davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (GA)

This complaint is about Ocwen Loan Servicing fraudulently reporting late payments on my credit report. After my loan was transferred from Ocwen Loan Serving to PHH mortgage late payments showed up on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been disputing these items for 9 months with Ocwen Loan Servicing and they have ignored all of my request and have failed to provide validation of these late payments.

Loan # XXXX
Consumer complaint received 2017-02-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NC)

Debt collector claims I owe them a debt that they ca n't verify is there 's. They ca n't provide proof of documentation or ownership towards the debts. Never have signed a contract with them saying I owe them an x amount of dollars.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have told them they are not reporting and keeping up with my information. they are hanging onto things that are so old and also while i was married and have been divorced for over 3 years. i have worked very hard to improve my credit rating but it doesnt go up it keeps going down which i do not understand. i have complained but its not working and i want them to delete things that are so old should be gone and to update my credit rating as i should have really better credit now
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My complaint with Select Portfolio Servicing is that they constantly keep asking for documents that were already submitted for a loan modification. When it gets close to the sale date for the house they denied the modification because they said it was close to the sales date. 
Property address XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2022-09-06
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2015-07-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America told my wife and I that we had to be 90 days late on our mortgage in order to short sale our home. Therefore we, got behind on our mortgage and when the short sale was finally approved and we had an offer on the house it had been a year because Bank of America held it up so they could keep charging late fees and penalties. Now on top of having a short sale on my credit I have a years worth of late payments on my credit. Now I have poor credit and cant get another home loan right now.
Consumer complaint received 2015-09-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MIDCOUNTRY FINANCIAL CORP (CO)

Civil action was taken against me with Heights Finance. Attempting to work with them directly, the company would not answer any questions regarding the account over the phone and were extremely rude each time a call was placed. I paid off the debt completely in XXXX of 2015 and the company is still reporting to the credit bureau 's that the account is open as of XXXX XXXX 2015. I contacted them in an attempt to clear this matter and they refused to speak to me. I believe they are doing this as a form of retaliation.
Consumer complaint received 2016-10-20
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (MD)

XX/XX/2016, I purchased a {$200.00} U.S. Bank MasterCard prepaid gift card at a retail store. I immediately brought the card home and kept it secured in my home. 

On XX/XX/2016, unbeknownst to me, my card was debited {$160.00} for an online payment to XXXX power company. I did not authorize this charge. I do not and have never lived in California and have never had an account with XXXX. In fact, as of XX/XX/XXXX, I still had not ever used my card and it was still secured in my home. No one else had ever seen my card or card number except for me. 

On XX/XX/2016, I was preparing to use my card for the first time and checked my balance online. I then discovered the XX/XX/XXXX unauthorized {$160.00} debit. I used the remaining {$37.00} on my card and then called U.S. Bank to dispute the {$160.00} charge. U.S. Bank asked me to submit my dispute in writing and I promptly did so ( Exhibit 1 ). 

On XX/XX/2016, U.S. Bank wrote back asking me to submit additional information to process my claim ( Exhibit 2 ). I promptly provided this information ( Exhibit 3 ). 

On XX/XX/2016, U.S. Bank wrote back stating that the funds were withdrawn in error and that the funds would be returned to me : " We found that an error did occur and are closing the claim in your favor. A credit of {$160.00} will be made to your account on XX/XX/2016. '' U.S. Bank further stated, " The claim is closed and the credit is considered final. '' ( Exhibit 4 ) Despite this final notice from U.S. Bank resolving this claim in my favor, the funds were not returned to me. On XX/XX/2016, I called U.S. Bank to ask why my funds still had not been credited to me as promised. XXXX, a U.S. Bank phone representative, stated that after sending the XX/XX/XXXX letter to me, U.S. Bank reversed its " final '' decision and now would not release the funds. U.S. Bank had never notified me that it was still holding my funds and that it in fact would not release them, and could not tell me why this final decision was reversed. 

In summary, I disputed an unauthorized charge on my prepaid gift card and U.S. Bank made a " final '' determination in my favor and promised to return the funds to me. Despite this final determination, U.S. Bank is still refusing to return the {$160.00} to me. I request that U.S. Bank return these funds to me, preferably in the form of a check since I do not want to risk these funds remaining on a U.S. Bank gift card.
Consumer complaint received 2015-09-03
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (VA)

The merchant told me that the AMEX prepaid gift card declined and that the purchase did n't go through so I paid with a XXXX. When I went to use the AMEX prepaid gift card again, I found that the funds were drained. I checked the AMEX gift card website and the transaction that was supposedly declined is still showing up on the gift card transaction statement. I called the merchant to double check if the card went through and they continue to claim that it was declined.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have called Capital One on separate occasions on to why they don't raise credit limits on people who pay on time and have had no issues or go over the credit limit. I know a lot of people who have had late payments with Capital One and been months late and still get credit limit increases. I ask for an increase and they generate some bogus reason as to why I can not get an increase. It seems like Capital One only likes to increase people who are bad at paying their bills to keep them in debt. Capital One won't increase my limit on the cards that I have but they always encourage me to apply for another card vs increasing the limit on the cards I already have. They are trying to do this to get more fees with more cards as to why I have a 2nd card with them. Capital One also likes to blame the credit bureau for reasons for cards not to get an increase. I call the bureaus and they said that what capital one is giving for a decline does not match up with them ( credit bureaus ).
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite several complaints, XXXX  XXXX XXXX continues to report my closed credit card account with them as previously delinquent and currently 90 days delinquent. This account has been closed and paid satisfactorily. XXXX  XXXX XXXX and the credit reporting agencies have refused to correct the account upon complaint. My credit score has dropped as a result.
Consumer complaint received 2017-10-13
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. (MA)

I currently have an account with XXXX XXXX XXXX for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently mailed in a copy of my identity theft report to Transunion and XXXX, in order to get information from an identity theft issue blocked. I received a letter issued XXXX/XXXX/2015 from TransUnion telling me that the information would not be blocked without giving me any specific reasons. I have filed a police report as well as an affidavit with the FTC in order to have this information corrected. I have sent affidavits to XXXX in order to have the company investigate the issue at hand as well. 

Transunion has given XXXX general reasons, which are shown in the letter that they lifted straight from the FCRA, even using ( and/or ) for the reasons. This shows that they do not have not made a specific reason to provide me as to why they will not block the information. The majority of the information was inquiries, which can not be corrected simply using a dispute. I have already tried that, and they say they can not remove " factual inquries '' without the identity theft report, which I provided.
Consumer complaint received 2022-09-06
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-30
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. (TN)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Southwest Business Corporation (CO)

The defrost mechanism in our refrigerator broke and water was leaking under it without our knowledge. This caused substantial damage to our bamboo flooring. A flooring contractor informed me that we had water damage, but stated he could refinish the floor. After initiating a claim, the mitigation company contracted by our insurance company determined the floors could not, in fact, be refinished. As a result, we had our kitchen floor and a large portion of the adjacent wall ripped out. We have now lived like that for 2 months while we waited for our insurance company to determine an " appropriate '' value for floor replacement. Finally, they informed us that they would be issuing us a check that would allow us to move forward with our renovations. I have since learned that it is fairly standard for insurance companies to require checks larger than {$10000.00} be managed by the property lien holder ( mortgage company ). What is NOT standard is the ridiculous amount of hoops that our mortgage company, SWBC, is asking from us. We must not only send them a XXXX with a signed contract from any contractor working on projects, but continuous itemized receipts to receive any money. Are they planning on paying the interest on the credit card I will be forced to use to buy flooring? I am so confused and wondering why they are micromanaging our project? I do realize that they have a vested interest in the integrity of our home, but I would like to manage the finances of this project on my own? So, if I am able to find flooring and a contractor to do the work for less then the amount of money placed in escrow, where does the remainder of the money go?? Do they keep it, send it back to XXXX? This has been such a disaster. I have spoken to many persons with similar claim amounts wherein their lender simply required them to sign a waiver showing intention to complete repair work. 
I have since been on the XXXX site where I discovered multiple complaints on the same issue of prompt insurance check payments from SWBC. They complained of waits upwards of 2 months! I simply can not have holes in our kitchen for another 2 months while I wait to be repaid for repairs? Is the escrow check interest earning? Is SWBC really paying to employ persons to manage this? This seems like an unbelievable waste of resources. I am so regretting using this lender, and we will immediately refinance after this debacle ends, but for now ... our insurance claim money is being held hostage?? I never knew this was legal. : (
Consumer complaint received 2017-05-23
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. (TX)

This is regarding the complain that was filed in  XXXX . Complaint #  XXXX . All concerns was addressed  EXCEPT the Dept of Education com plaint. Account #  XXXX  which are  XXXX  accounts. Both showing delinquent with a balance. This account has been paid and never delinquent. The information was sent to Equifax in  XXXX . They never responded to this particular issue. A letter was sent to Equifax b y US Dept of Education a nd I sent the same letter. Also, a updated letter was sent to Equifax, stating this account was paid in full and never late in  XXXX .
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

the credit agency XXXX and Transunion are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our Chapter! XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Multiple wrong address information..on my XXXX, Trans Union and XXXX credit files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX../..XXXX XXXX XXXX XXXX, XXXX XXXX../. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX../.. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-12-09
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

XXXX XXXX XXXX is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.
Consumer complaint received 2015-08-09
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (TX)

Citibank sent balance transfer checks to be used to transfer balances up to my available credit at time of transfer. I submitted a check to 1 of my creditors on XXXX/XXXX/15. I had more than XXXX in available credit. On receipt of the {$1400.00} bal transfer check XXXX/XXXX/15, Citibank decreased my credit limit by {$5300.00} on XXXX/XXXX/15 & refused to honor the check. They sent out a letter after the fact stating bogus & vague generalized reasons. This is an unfair practice that caused a returned item with the other creditor. I have asked them to stop sending me checks because they are misrepresenting. They said they could not stop them from being sent. I am very displeased. I 've been with Citibank for 20 years. I make my payments on time and I pay more than the minimum due most times. I 'd like the matter investigated & that check honorees, as well as them to stop sending me checks unless I request them.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I am disputing the only adverse account on my report, which is XXXX # XXXX XXXX XXXX XXXX XXXX for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XXXX XXXX, 2013 when my bill was paid in full thru XXXX XXXX, 2013. 
On Friday, XXXX XXXX, 2013, at approximately XXXX when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XXXX XXXX, 2013. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XXXX XXXX, 2013 when my account was paid in full thru XXXX XXXX, 2013. 
I owe XXXX nothing!