davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Everyone is saying that you will not tolerated XXXX XXXX XXXX/ Ocwen Loan Servicing LLC . To continual harassing the consumers but Im not be treated with the respect, dignity, and fairness that I deserve. I would like to send you proof that OCWEN is still up to their old tricks. AHMSI mortgage payment was not behind, but the mortgage company force place insurance. The new insurance company sends the information to the mortgage company. I change insurance company. I fine an insurance that would insurance my home for half the amount of my old insurance. 
I do not have an escrow account with my AHMSI mortgage company. I pay my own Taxs and Insurance and I do it on time. But my AHMSI has opened an escrow without notified me until after paying a cancel insurance policy. The old company did not cancel I wrote a letter telling them to cancel and phone call ; I end up getting the insurance commission involved. This has been going on for over nine ( 9 ) years at this time. 
Through bankruptcy chapter XXXX I received this mortgage contact, and I am not pleased with what Ocwen Loan Servicing LLC presented to me. The payments began onXX/XX/XXXX how I can make a payment on XX/XX/XXXX when I just received the contact from you to review XX/XX/XXXX Ocwen Loan has changed the contact and I decided to consult an Attorney for a second opinion, and I found out that : Interest rate is the only thing that looks appropriate in this document 19 years payment vs. 30 years is not good for me and this also changes my contact. 
I did not want it but they gave me a BALLOON PAYMENT, now its a balloon Interest Bearing Principal Balance that group interest this also change my contact. 
Interest, Escrow, and Monthly payments all adjust when everything I had before was fixed. 
I need someone to look into this matter as I do not accept this mortgage modification that was presented to me. I have been advised not to sign anything and if needed, to take further action to expose this fraudulent mortgage business practice. I look forward to your prompt reply. 
The mortgage insurance has pay off the mortgage you can check MERS website and it look like it was done before the foreclosure procedure was done. 
MERS MIN : XXXX Note Date : XX/XX/XXXX MIN Status : Inactive Servicer : Ocwen Loan Servicing, LLC Phone : ( XXXX ) XXXX, XXXX XXXX XXXX, FL.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number listed on my report : XXXX - XXXX
Consumer complaint received 2022-08-10
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. (MA)

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

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-08-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

From XXXX 2011 to present, all 3 major credit bureaus reported an extended late payment history on my account ( s ) by the creditor/student loan provider, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

EQUIFAX fails to act in accordance with FCRA Section 609. EQUIFAX fails to provide " the source of this information. '' Equifax fails to provide copies of the documentation used to verify this tax lien. EQUIFAX continues to report this inaccurate information on my credit files which lowers my credit scores. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

I purchased what was supposed to be specific models of keyboards, I was sent cheap imitations that were not only wrong, did not work. I provided Citibank proof including a letter from a technician stating that the equipment was in fact damaged, but Citibank chose to allow me to be defrauded. I still have the merchandise, I was given an address in XXXX which would cost me more than the order to return! Citibank is complicit in assisting this merchant to defraud me.
Consumer complaint received 2018-03-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP (IL)

I had 2 checking accounts open with US Bank XXXX, IL branch in the XXXX store. After time, the accounts were charged fees for being open ( without knowledge ) but they did notify me through mail unnoticed by me. The real issue is they opened lines of credit without my permission and transferred the monthly fees to the lines of credit. As soon as I noticed ( months later ), I talked to the branch manager and told him I wanted to close my accounts. He told me he was removing the monthly fees off my account. I agreed to pay fifty something dollars to clear the lines of credit because he said he couldn't take it all off. Months later the lines of credit had balances again. I went in to see the branch manager about 8 times to resolve the issue, called numerous times to numberous departments in us bank. Most of the customer service departments were sympathetic but said they couldn't help, but that the branch manager could help. The branch manager said that was not accurate and he had no knowledge of any way he could remove it. At one point he said I could pay a hundred something dollars to clear off and provide me with a written document stating payment in full but could not verify if it was for both accounts. The amount currently being reported each month as charged off is XXXX and XXXX. I have requested records to show I signed up for the line of credit or for some sort of overdraft I personally did and twice they have only showed me records showing the fees. I have paid all my other debts, including more than {$10000.00} in credit card debt to us bank. The negative credit is impacting me more than {$370.00} worth, but I find it too offensive to pay when it's all a fraud and poor customer service on their part.
Consumer complaint received 2022-09-08
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: State Collection Service, Inc. (GA)

State collection agency work for  XXXX    XXXX   XXXX  . I am in process to get financial help from the hospital to pay the balance although majority portion of the bills paid my health insurance. Patient is my  XXXX   years old  son. I notify collection agency on  XXXX / XXXX /   17  by fax that I am paying regular basis to  XXXX   XXXX  and my financial aid application is on process. I do not owe this debt and they need to stop contacting with us. This account should not be on collection. But they are ignoring my request and they are in process to effete my credit.
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-09
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. (NJ)

Experian is reporting a bankruptcy that is not mines. XXXX XXXX has removed the bankruptcy from my record therefore Experian needs to remove the bankruptcy from my credit report.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: Monterey Financial Services LLC (FL)

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (PA)

I'm filling a complaint against chime and XXXX. On XX/XX/2024 at XXXXXXXX XXXX I made an transfer for {$450.00} via XXXX to chime. It accidently went to a year old closed account. Both entities claims it should have bounced back to XXXX  with 3 to 5 business days. It's been 20+days, countless calls to both and I still hasn't receive it. Both entities refuse to give me my funds.XXXX employee claims it was successful and chime claims they haven't received any transactions. So I'm reporting Both for theft and ill continue to file.
Consumer complaint received 2017-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Preferred Collection and Management, Inc. (FL)

I called preferred collection and management company to inquire why are they reporting a collection that they never validated. The first rep was rude did not verify my identity proceeded to say the debt is mines and continued to talk over me I ask to speak to the manager who he left me on hold for over 9 mins when she get on the phone she did not verify me and she also stated that they do not have to validate debt and one letter was fine which I told her I never received any letter I ask the manager do you understand that your rep did not verify me before he gave the mini memoranda she told me not to speak to her that way I have the call recorded and they kept being combative would not let me speak to resolve this issue
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (FL)

Good Afternoon I get credit card with barclaycardus bank in  XXXX   2017 with  0 % introductory APR for the first fifteen billing cycles after the account is opened. and they started charging me fee in  XXXX     2017 I   tried to solve this issue with the bank and they are not able to help me link below :   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2016-11-24
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MT)

I 've been going through divorce proceeding for over 1 and 1/2 yrs now and as of XX/XX/XXXX, waiting for the judges decision-until then I am powerless as my estranged husband quit paying on our Syncrony Home credit card for XXXX furniture since XXXX. The bill is in my husbands name and I was only an authorized user. I did not take my name off as my husband did on accounts that he was an authorized user for so that I could still have access since I was the one who made sure all of our bills were paid on time for 25 years. I found out my husband quit paying on the account since XX/XX/XXXX after a registered letter came to the house in both our names when everything was just in his name. He is the XXXX of our county and seems to be able to do what ever he wants where as I have been rendered powerless to protect my credit. I have called Syncrony to make 'emergency ' payments so the account does n't go to a collection agency or the furniture I was given to keep does n't get repossessed. Syncrony is unwilling to work with me on stopping late fees and lowering payments so I can catch up for my husband not paying on the account unknowing to me. Syncrony certainly takes my payments, but reported my credit as bad to the credit agencies when I 've had good credit for years. I am powerless to do anything as we have a financial restraining order and I am unable to open any new accounts- I am trying to keep our home and am barely making ends meet while my husband has kept his salary to himself yet quit paying on agreed upon bills with out my knowledge. I ca n't do anything until the judge gives us our final decision. Meanwhile, many other credit cards are helping me with hardship programs ( low interest rates, lower payments, waiving late fees so I can catch up ... ) I called Syncrony several times from the number that was on a registered letter that promised to help me if I called. I got robotic, non-English speaking, uncaring representatives on the line that said my 'divorce ' was not a good enough reason, yet one of the other reps asked me if my household income has decreased ... .well yes, it has-by XX/XX/XXXX! This is criminal & I am only making his payments so the furniture he gave to me does n't get repo-ed! Help me please! The representative that said the divorce was not a good enough reason was unwilling to expand any further on my situation ( as he was the XXXX person I was transferred to ) and did n't even ask if my household income had decreased-I had told my long story 3 times already and was tired of telling it & was n't able to inform this rep of this in hopes that it was 'a good enough reason ' to help me. There has to a better way as this bill will eventually be paid off as soon as a decision is made by the judge. It is criminal what they are doing to me now when I am only giving them money I do n't have.
Consumer complaint received 2017-08-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Centric Asset Management Inc (NC)

Centric Asset Management Inc has continued to contact me at my place of employment as well as my cell and my wife cell. We have writte letters requesting they stop as well as asking for debt validation letters. They have refused to stop calling and told my wife today they 'd just show up at my place of employment. XXXX XXXX is who called both myself and my wife today, my wife requested they send us a debt validation letter via USPS, XXXX XXXX stated that she 'd just show up at my place of employment to serve me with court docs. I do not believe this a valid debt and if it is it was not taken out by myself nor my wife.
Consumer complaint received 2017-06-07
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. (LA)

XXXX  is collecting an account for  XXXX . I have never had an   XXXX   in my life. I can find nothing old on my credit report th at may have b een purchased by  XXXX  ..or ch anged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}
Consumer complaint received 2024-05-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

My mother-in-law is older and loves to buy gift cards for us for holidays. I have another complaint opened against XXXX XXXX XXXX XXXX from XXXX but this complaint is for my birthday gift card, from American Express. The same XXXX  person purchased both and she did this after she was advised NOT to purchase the Vanilla Visa Gift card since we have been trying to use it without success for almost 5 months. This time, she purchased an American Express gift card. I took the gift card ( {$100.00} ) and tried to use it at XXXX XXXX XXXX for the XXXX XXXX XXXXXXXX pass, which cost {$80.00}. Transaction was denied. Attempted to use it at the XXXX airport for a t-shirt but the transaction was denied. Attempted to use it at the XXXX XXXX XXXX but it was also declined. Attempted to load it into my XXXX account today, it was denied. Attempted to use both XXXX XXXX and XXXX XXXX as recommended by online forums, also denied. Attempted to use the card for an XXXX transaction totaling {$70.00}. Also, declined. THIS IS AN INTENTIONAL NIGHTMARE. THESE PREPAID CARDS NOT WORK ANYWHERE ; DESPITE SHOWING A BALANCE.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I sent off letters to dispute accounts with Experian, XXXX and XXXX in XXXX of 2022. I still havent received a response from any of the them in almost two months later. The dispute was in regards to these consumer reporting agencies reporting information without my permission. According to 15 USC 1681b, a consumer reporting agency may only furnish information with written instructions of the consumer. And I am the consumer and I didnt provide them written instructions to do so. Furthermore, 15 USC 1681a ( 2 ) says that reports containing information solely as to transactions or experiences should be excluded from a consumers credit report.
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc (GA)

A company named XXXX XXXX XXXX claims I owe them money. A credit collection agency, Joseph, Mann, & Creed, ( JMC Account # XXXX, Client Account # XXXX ) keeps calling and sending me bills and threatening other actions. 

At some point, my XXXX-year-old daughter contracted with XXXX XXXX to receive services and I neither co-signed nor agreed to be responsible for the account. I never used or benefited from XXXX XXXX in my home. The services XXXX XXXX may or may not have provided my daughter were for her apartment located some twenty-five miles from my home. And as a point of fact my daughter tells me XXXX failed to provide the services she had contracted with them to receive. 

I have asked for proof of my alleged debt and all they send is account statements.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. I called sent emails and contacted the company and I 'm not getting any positive responses, after they said they would remove after payment. I have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (VA)

XXXX  shipped a partial order. They STOLE MY MONEY.  Wells Fargo  refused to protect my purchase and told me due to their  XXXX  agreement this was fully allowed.     I WAS FORCED TO COME TO THE BANK  XXXX   XXXX  ON  XXXX / XXXX / 2017 . Help refused and they kept telling me it was n't their problem it was the fraud departments fault.     I called the fraud department for THIRTY MINUTES AND WAS REFUSED TO BE ALLOWED TO SPEAK WITHA SUPERVISOR.     JUST WAIT. We 'll send you a letter.
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

XX/XX/XXXXI notified XXXX utility company that my husband and I were surrendering our home to our mortgage company XXXX XXXX. We filed Chapter XXXX. We advised them our move out date was XX/XX/XXXX to shut off the electric as we would no longer be living there. We moved 2 hours away to XXXX XXXX XXXX XXXX, PA XXXX with my husband 's parents. We are still here. At no time did we ever receive another XXXX bill- we changed our address with the postal service and no mail came from XXXX . XX/XX/XXXX I received a collection letter from Transworld for XXXX bill for XXXX XXXX XXXX for almost {$900.00}. I called them. I called XXXX. I called the PA utility commission. I advised Transworld statute of limitations per PA utility is 4 years and XXXX  advised account no longer exists. They are refusing to remove the collection from my credit reports