davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

In XX/XX/XXXX, I received a letter in the mail from LoanCare indicating there was an escrow disbursement check which was issued to me in XX/XX/XXXX for {$1400.00}. ( The excess funds in the account is money I've paid to escrow ). The letter stated that for the check to be reissued, I would need to fill out the attached form and either mail or fax it in. If the form was not received by LoanCare by XX/XX/XXXX, the funds would be sent to unclaimed property with the state treasurer 's office. Furthermore, the letter also indicated that processing/reissuing the new check would take XXXX weeks from XX/XX/XXXX ( not from the date they receive the response from me ). 
After going back through the previous mortgage statements I have received in the mail, I was able to locate the aforementioned check as well as another escrow disbursement check dated for XX/XX/XXXX for the amount of {$1500.00}. I called LoanCare to ask if I would be able to cash the checks. I was told that the checks were not valid after 90 days ( although no such timeframe was noted on the checks ). I was further informed that there was another check which was issued in XX/XX/XXXX for {$2200.00} that was not cashed. I asked the LoanCare agent if upon reissuing the XXXX check, that the checks for XXXX, XXXX, and XXXX could be combined or if I could fill out a similar form I filled out and returned for the XXXX check could be done for the XXXX and the XXXX checks. He told me this was not possible. He stated to me that the checks could not be combined, and that I would have to wait for their unclaimed property division to send me a similar letter in the following years for the XXXX and XXXX checks. The agent also read from the letter I received that any calls or further communication with them to receive or expedite the checks would result in a delay/longer wait time to process the check [ XXXX ]. In other words, LoanCare has $ XXXX in escrow money that is owed to me, however, they are going to pay this money back to me over the course of the next XXXX or XXXX years. 

The most concerning issue is that the letter stated, they have a high volume of these checks to reissue. If that is the case, LoanCare is holding on to potentially millions of dollars in consumer escrow overpayments.
Consumer complaint received 2019-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (FL)

Medicredit INC has reported debt on my credit report without prior notification. 
I have sent two request by United States Postal Service to request proof this debt belongs to me and also prove Medicredit is authorized to collect on this supposed debt. 
I have received no response. I am not aware of the amount of {$1900.00} being owed by me until my credit report notification of collections account nor have anyone sent me a bill to formally prove this is my debt.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (PA)

Hello, I am reaching out as a somewhat last resort. I have a PA Way2Go ( prior PA Eppicard ) that is expiring in 2 weeks XX/XX/2023. I simply need my new card. 

I have attempted to contact the Way2Go customer service line ( I don't know if anyone at your organization has attempted to navigate that otherwise worthless phone system ) but it's circular and provides NO option to speak with anyone -- and if you try to re-route in the phone system itself it will constantly hang up on you. 

Additionally, I have reviewed the program documentation in detail ( since the Bank that the accounts sit in is provided through Conduent ), neither PA Way to Go or Conduent provide any email or general service mailboxes to send inquires and requests. There are 2 service center phone numbers that operate identically ( see my comment above ) -- this has got to be the worst oversight/customer service for a program that spans the entire state. 

Can someone there help to put me in touch with someone for my new/updated card? There is actually NO OPTION in the phone system for a card except to cancel or report one stolen.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-04-16
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. (NJ)

15 USC 1666B States that a ceditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose account # XXXX Auto loan with XXXX XXXX
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed for Bankruptcy on XX/XX/XXXX and Transunion is reporting an account late and charged off, since the bankruptcy and subsequent discharge on XX/XX/XXXX. I have disputed this information over and over with Transunion and they have failed to update the information accordingly. This account was NOT charged off prior to filing of bankruptcy and their should not be late payments reported once I have filed the bankruptcy. Furthermore, the status should reflect included in bankruptcy with a XXXX balance and no payment due. 

XXXX # XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast Payment Made : XX/XX/XXXXXXXXh Balance : $ XXXXOriginal Charge-off : $ XXXXCredit Limit : $ XXXXPast Due : XXXX ; {$320.00} XXXX ; Pay Status : XXXX ; Charged Off XXXX ; Terms : Paid MonthlyDate Closed : XX/XX/XXXX XXXX ; Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX XXXX ;
Consumer complaint received 2017-10-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Onity Group Inc. (NE)

On XX/XX/XXXX I had a conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX wanted to verify my loan with OCWEN and asked why they are no longer reporting to the credit bureaus. OCWEN said they were and it just had not updated. 

On XX/XX/XXXX I had another conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX again wanted to verify my loan and wanted to know why OCWEN had not updated it on my credit report. 

On XX/XX/XXXX I called OCWEN again and spoke with Escalation Manager, XXXX XXXXagent ID # XXXX. I explained to XXXX that I had telephoned XXXX, XXXX and XXXX and none of them have an account from OCWEN. XXXX said she would have her Research Department look into it and follow up with me the following day. 

On XX/XX/XXXX I called OCWEN Ombudsman office and spoke with XXXX XXXX who told me to give XXXX the opportunity to call me back by XX/XX/XXXX. 

On XX/XX/XXXX I called XXXX again several times with no return phone call. I spoke with another Escalation Manager who said the research department investigated and they are reporting to the credit bureaus. I again called the credit bureaus who still did not have an account from OCWEN. 

On XX/XX/XXXX I called OCWEN 's Ombudsman 's office back and spoke with XXXX. XXXX asked me to email him a copy of credit reports to XXXX. I emailed this information immediately at XXXX hours. 

On XX/XX/XXXX I called XXXX back and he said he had just received the information and uploaded the information into their system. I asked XXXX for a timeframe when someone would review and get back to me and he said it could take up to a week. He would call when he knew something. 

It is nearly two months since my initial phone call to OCWEN about why they are no longer reporting my mortgage loan on my credit report. There has been no resolution and no sense of urgency on OCWEN 's behalf to correct the issue.
Consumer complaint received 2022-08-10
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX CXXXX 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX 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 AZ XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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. (OH)

I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! I have listed all details below 1 ) XXXX  Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me 1 ) XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (GA)

This account was open as a result of identity theft. i have never had an account with XXXX or Pinnacle Credit Service. I have also sent XXXX Affidavits to both Pinnacle Credit Service and to all XXXX credit agencies who stated that Pinnacle stated that they verified that this debt belong to me. How did they verify debt with the credit agencies but have not verify the debt with me?
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

received a call from one of XXXX XXXX employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that XXXX XXXX will notify each credit bureau to removed the account from my credit report I have been dealing with XXXX XXXX since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Trans Union, Please provide me the Consumer of America with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974. 
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).
Consumer complaint received 2015-12-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TN)

Received a notice in a name similar to mine that I owed {$290.00} to XXXX XXXX XXXX XXXX. I have no outstanding or late debts and am not familiar with this debtor. Company that issued the letter has many XXXX complaints and according to internet posts harasses people. I tried to call them and report the error, but they only accepted calls from XXXX other states. I think this is a scam to extort money from XXXX.
Consumer complaint received 2019-02-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (AZ)

I initially contacted XXXX XXXX ( XXXX ) on XX/XX/XXXX about securing lending for a new home purchase. This was on recommendation from my real estate agent XXXX XXXX ( Sears ). XXXX had contacted XXXX and explained what the builder 's lender XXXX XXXX  was offering and asked XXXX if they could meet or beat the deal. XXXX assured both XXXX and I that the interest rate and credits would be matched and that I had no worries going forward. XXXX then contacted me by phone and said that in order to make the deal work for her upper management that she needed a " good faith '' deposit to lock in the deal. She assured me that the money would be applied to the loan at closing and that if Caliber could not fulfill their promises with regards to the credit and rates then the money would be refunded. I asked her several times about this through the loan process both in person and over the phone. She was even bold enough to state " don't worry about what any of the disclosures state, what I tell you is what matters ''. Therefore, I did everything she said and signed everything she told me to. I paid my " good faith '' deposit of {$1900.00} on XX/XX/XXXX. On XX/XX/XXXX I was contacted by XXXX because we were within 30 days of closing. This was the first time she told me that she was not going to be able to match the rate she promised. After a week and a half of emails going back in forth XXXX finally admitted that she was not going to follow through with her promises and could not match the rates or credits from XXXX. She even made me re qualify through XXXX hoping that I would not meet their requirements ( but I did ). After realizing she wasn't going to be able to scam her way through the end of the loan, she told me that she was too " emotional to help me ''. She then referred me to her boss XXXX XXXX ( XXXX ). XXXX did his best to try and repair the broken deal but still could not meet the rates offered by XXXX. XXXX also refused to document our phone conversations and only would discuss rates, or deposits over the phone. I realized why he did this when I asked to end my relationship with XXXX and have my " good faith '' deposit returned. It was at this point that XXXX told me the deposit was nonrefundable and they would not return the money. When I asked XXXX why he told me that the money was a " lock rate fee '' and therefore nonrefundable. When I explained that this was not the agreement I had with XXXX when the money was paid, he told me I should have gotten everything in writing. XXXX misrepresented herself and Caliber in order to benefit both financially and with her career. That in itself is the true definition of fraud. I am not seeking any financial gain from XXXX or Caliber. I just simply want the {$1900.00} I paid in good faith to be returned to me as it should be.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

all credit bureaus have hoarded my info, with out consent. 

Please provide me the XXXX XXXX XXXX with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974.
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). 
Dear XXXX XXXX, Please provide me the XXXX XXXX XXXX with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974.
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of XXXX due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). 

.
Consumer complaint received 2020-06-20
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. (ME)

Car crash on XX/XX/20 My insurance totaled vehicle and paid XXXX what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. 

I have been negatively affected by XXXX and this is not ethical to make me and my credit suffer. 


My comany Insurance has gap. Ally has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed. 

They have not reported to any Credit reporting agency the vue of payments made. 

They have made false reports on their own recongnisense.