davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have been working with Ocwen for what feels like years in regards to options for foreclosure. I have been forced to file bankruptcy on several occasions and yet Ocwen is continuing to give me the run around and asking for more and more documents every time I get closer to resolution. It 's as if this is all just a game and my homeowner bill of rights are being violated left and right. I have no assigned point of contact and I have a sale coming up with no options.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  Balance : {$870.00} XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX : Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX  XXXX XXXX XXXX : {$160.00} XXXX  XXXX XXXX Balance : {$140.00}
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: General Motors Financial Company, Inc. (MI)

I XXXX XXXX, natural person, original creditor, cardholder, and federally protected consumer, initiated a consumer credit transaction as the creditor, with GM Financial using my open end consumer credit plan. My social security card is the credit card that initiated the transaction. The transaction included a finance charge and pursuant to 15 USC 1605, " the finance charge SHALL be determined as the SUM of ALL charges ''. GM Financial has violated my federally protected consumer rights by furnishing a deceptive form, creating the belief in I the consumer that an alleged debt was owed to them by me, when in fact I was not willing, and I was harassed by mail to pay to avoid an illegal repossession of my personal property granted from my credit, for the second time. GM Financial has violated me, and countless other laws under the Truth In Lending Act, and i have filed multiple reports with proof with the CFPB, FTC, and i have sent them multiple Affidavits of Truth sworn before the most high of creation, under the penalty of perjury, and notarized by federal witnesses to protect my rights and receive appropriate remedy as prescribed by law.
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I called the Bank and asked them to close my account, cancel and shut down any of my files with them, send me an email confirm the full cancellation, and then to send me a check for my credit card balance ( i'd overpaid the balance just to be certain I had fully gotten it to XXXX   dollars ). They didn't send any confirmation and no check has since been arranged. 

I continued to receive mail from them. When I called to question them, they told me the account was closed and then they directed me to collections team. I asked them to cancel the card and send me a cheque, but continued to send me to collections. The Bank said they couldn't cancel anything, only direct me to collections.
Consumer complaint received 2024-02-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX I called Navient and made a verbal forebearance request on my student loan account due to financial hardship. At that time I received verbal confirmation that my request was approved for forebearance on student loan Accounts by Navient Department Education Loan Servicing for the period XX/XX/XXXX - XX/XX/XXXX. However, Navient reported 38 delinquencies on my account to the 3 major credit reporting agencies : XXXX, XXXX, and XXXX, for the Months of XX/XX/XXXX and XX/XX/XXXX. I 've contacted both Navient and Credit Reporting Agencies several times verbally and in writing requestion that the erroneous entries be removed but to date they have not complied. Navient has been resorting to the tactic of stalling by requesting documentation of general correspondence which they already have in their possession since all requests and notification are stored for access on their website.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I bought a car in XXXX XXXX. I got a loan through XXXX and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX ) I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a XXXX.
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. (WA)

Pursuant to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), it is articulated that there is a fundamental necessity for consumer reporting agencies to undertake their significant duties with fairness, impartiality, and a regard for the consumer 's right to privacy. As a consumer, I am entitled to ensure my private information remains confidential, a principle supported by 15 USC 6801, which mandates that financial institutions maintain an affirmative and ongoing duty to respect their customers ' privacy and safeguard their nonpublic personal information.

Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report exclusively under circumstances permitted by the written consent of the consumer concerned. It is clear that TransUnion, as a consumer reporting agency, does not possess my consent, written or otherwise, to disseminate my information. I hereby revoke any form of consent previously extended to TransUnion, whether verbal, non-verbal, written, implied, or otherwise, regarding the furnishing of my information.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer the opportunity to opt out of such disclosure, an option I was never informed of. Moreover, according to 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is restricted from reporting any adverse information older than seven years, highlighting an unauthorized practice if such information is being reported.

In adherence to 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ), it is unlawful for any entity to provide information about a consumer to a reporting agency if there is knowledge or reasonable cause to believe the information is inaccurate. Additionally, 15 U.S. Code 1681e obligates consumer reporting agencies to implement reasonable procedures to prevent violations of section 1681c and restrict report furnishing to authorized purposes, a standard that requires strict compliance.

Lastly, as per 12 CFR 1016.7, consumers have the perpetual right to opt out of reporting services. I am exercising this right and opting out of TransUnion 's reporting services, expecting that my privacy and rights are fully respected and upheld in accordance with the aforementioned legal provisions.
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (AZ)

Hello, I purchased a XXXX XXXX card on XX/XX/XXXX with an initial load amount of {$110.00}. When I called in to activate the prepaid card so I could pay the bill I bought the card for, XXXX told me that they couldnt activate the card because of some account with Netspend. I do not have an account with Netspend and didnt understand why they would be telling me to call them to get a refund of my funds. They told me that XXXX prepaid is owned by Netspend. So I called Netspend and they said yes that they could not activate my card and that I would have to call XXXX to get my refund. So I call XXXX back and after getting a Manager and on the phone for at least two hours, the manager says that they cant activate it. Well I wanted to just get to the refund already, as this was ridiculous. I purchased a prepaid card with my money to pay my utility bill and they would not let me access the funds that I had purchased the card with! The manager told me that they would mail me a check in the mail and it would take 7 to 10 business days. Im very upset about this to say the least! 
Today the check still has not arrived and I just got off the phone with XXXX. The representative advised me that the check had not been released yet and, not to worry he would get it released today. He then tells me again that it would take 7 to 10 business days. I cant wait that long! I have been without utilities and I have children! I ask him if he can exepedite the check to me and he says no. I ask for a manager and when he transfers me, I just am on hold forever and then it disconnects. I never got to a manger and Im not even sure if my check got released. THIS IS AN OUTRAGE! VIOLATION OF AN ACCOUNT HOLDERS RIGHTS! I DONT HAVE ACCESS TO MY MONEY AND THEY JUST DONT DO THEIR JOB WHICH IS A TERRIBLE SOLUTION ANYWAY!
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion deleted all of my inquiries off of my credit report and then replaced them a few days later without written notification as required by FRCA Section 611. I have diligently been trying to have this matter rectified but to no avail. This is drastically affecting my financial status.
Consumer complaint received 2023-04-16
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. (MD)

I have a XXXX XXXX XXXXXXXX. XXXX sent me forms to complete. During this time, my account was in administrative forbearance. However, XXXX XXXX XXXX XXXX payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When XXXX was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX XXXXXXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need help.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IL)

I sent a request for debt validation to Enhanced Recover Company by return-receipt mail on XXXX XXXX, 2017. The letter was returned unopened and marked by USPS as " Return to Sender, Refused, Unable to Forward ''. This company is reporting a debt {$3300.00} to all three credit reporting agencies. I have no knowledge of this debt.
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2022-02-16
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-09-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

My mortgage is currently serviced by Ocwen. Ocwen modified my mortgage loan in 2012 and reported a principal reduction of XXXX to the IRS. However, Ocwen never reduced the principal on my loan by {$220000.00} ... .they simply report that amount as a " XXXX waived balance '' ( see attached ). I was advised by Ocwen that even though they did not reduce the principal of my loan, the IRS advised them it was " OK '' to report the loss. Since I received a XXXX income statement for XXXX, it has caused major issues with my tax filings, due to the extreme income adjustment. Ocwen has refused to reduce the principal balance of the loan by {$220000.00}, even though they have reaped the benefits of the IRS tax write off. Clearly, Ocwen has violated Federal IRS Tax Code and is guilty of financial fraud. Ocwen has also issued forced placed hazard insurance ( HOI ) at {$3500.00} per year, which is very extreme based on the current value of the property. Ocwen has failed to prove up the force placed insurance policy, even though i have requested it on numerous occasions. This serious increase in HOI has bumped my pushed my escrow up to {$430.00} per month ( see attached ). Furthermore, the current HOI has refused to pay for the serious plumbing repairs that are covered in normal insurance policies. Overall, I feel cheated and deceived by Ocwen, so I am seeing your assistance on this matter.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to XXXX years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AUTOMOTIVE CREDIT CORPORATION (IN)

I bought a car from the XXXX XXXX in XXXX Indiana on XX/XX/XXXX. I was financed through the Automotive credit Corporation. the total amout financed was {$6100.00}. I paid {$800.00} cash down to the XXXX XXXX. the owner of the company is XXXX XXXX. THe finance company paid the car lot in full so i then made my payments to them through their web site. I had a family emergency that required my finaces but i i had made arrangements with the finance company. I paid them {$200.00} of the {$260.00} payment and i agreed to catch the the remaing up. 

On the XX/XX/XXXX the XXXX XXXX sent a tow truck and took my car. I do not make i payments to them i have a letter from the finance company telling me to deal directly with XXXX about my account. The next day i called to see how i get my car car back and what i need to pay. XXXX then informs me that they do not have my car, nor did they authorize the reposessioin. they advise me to contact the police to see if a repo was reported to them. 

The dispatch officers informs me that no repo report was made so i then procced to file a stolen vehicle report. I also called the XXXX XXXX and XXXX XXXX said they didnt have the car. when the police filed the report XXXX XXXX then informed the officer that he repossed it. 

I have the call recorded with the finance company at that point saying that they do not know why he has the car or or what he wants to accomplish by taking it. 

The finance company sold my car back to XXXX XXXX who is now going to sell it at an auction. So my contract was cancled with XXXX and wont tell me why. i recived a letter on the XX/XX/XXXX stating any questions need to be directed to the XXXX XXXX 

I dont belive either company has a license to finance so i was decived and robbed of my money. also they voided my signed contract. over XXXX bucks.
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IN)

I fell behind on my mortgage and was offered a trial modification in XX/XX/2018. I made all three payments and then discovered a foreclosure had been filed in XX/XX/2018. I had to ask several times for the permanent modification papers to be sent to me and when they were I did not receive them until after the date they were to be returned. I found out from relatives my home was up for sale and was never notified by anyone else of sale until a few days before. I am not even sure who my real lender is as in the past year I have had XXXX, XXXX XXXX and Loancare.
Consumer complaint received 2016-04-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

They contact me on my home phone but phished for my cell phone number and have been calling home and cell. I specifically asked the first agent to no longer contact me on my cell phone but to call me on my home number. I want to know how I could send a cease and desist from contact letter. They also contacted numbers on my contact list for the creditor XXXX.
Consumer complaint received 2017-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ASSOCIATED BANC-CORP (IL)

I applied for an Associated Bank checking account via a bonus promotion on XXXX/XXXX/XXXX. The promotion terms were as follows : -Open your account with a minimum deposit of {$100.00} from XXXX XXXX, XXXX until XXXX XXXX, XXXX XXXXMake three payments using Associated Bank Online Bill Pay OR have at least one direct deposit of {$300.00} or more within 45 days of account opening - {$150.00} will be deposited into your account within 75 days of account opening after meeting the qualifications I opened my account with a {$200.00} deposit to meet the first requirement. I then proceeded to make 4 payments using the Associated Bank Online Bill Pay to meet the 2nd requirement. The first 3 bill payments were completed on XXXX/XXXX/XXXX and the fourth bill payment was completed on XXXX/XXXX/XXXX. 

After meeting the requirements on XXXX/XXXX/XXXX, {$150.00} was suppose to be deposited into my account within 75 days of account opening. Since my account was opened on XXXX/XXXX/XXXX, 75 days from that date is XXXX/XXXX/XXXX. During this waiting period, I contacted Associated Bank Customer Service several times to confirm when the bonus would be deposited. All of their representatives told me the same thing each time : that although I met the requirements of the promotion, I should expect the bonus within 75 days. 

As the 75th day was approaching, multiple reps confirmed it is highly unusual for the bonus to not have been paid out by then. When the 75th day came and went, I had not received the bonus. I contacted Associated 's customer service again several times. One representative told me I would receive a call back the next business day regarding it, but that call back did not happen. I then contacted a supervisor, XXXX, on XXXX/XXXX/XXXX who told me that the bonus was scheduled " in the system '' to be deposited either on XXXX or XXXX. As of the evening of XXXX, the bonus was not deposited. 

I contacted another supervisor, XXXX, the evening of XXXX who told me there was nothing he can do and to wait until Monday XXXX for what he hopes would be an update. It is now frustrating that I have been given the runaround multiple times. The bank acknowledges and confirms multiple times that I met the terms and requirements of the promotion a long time ago, but they refuse to follow their own terms of the bonus deposit.