davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: OVM FINANCIAL, INC (VA)

OVM Financial denying my access to the statement of my mortgage payment. 

I started a mortgage loan with OVM FInancial in XX/XX/XXXX. After making my first payment to OVM in XX/XX/XXXX, they sold my loan to XXXX XXXX XXXX. During this transition, OVM Financial failed to provide a final status of the loan, verification of receiving my payment and how my first payment was distributed. After reaching out to XXXX XXXX XXXX, they stated that OVM Financial also did not provide them with a record of this payment and that I would need to contact OVM Financial for this information. OVM Financial representative and CEO have deliberately denied my access to the statement of payment and it's distribution since the end of XX/XX/XXXX. 

I requested the financial statement reflecting how my first payment amount was dispersed and the loan transitioned to the new provider from OVM Financial mortgage loan originator XXXX XXXX on the last week of XX/XX/XXXX over the phone, followed by a written communication via email on XX/XX/XXXX and XX/XX/XXXX. At first XXXX asked to wait, then he advised me to contact my title company and eventually stopped replying. On XX/XX/XXXX I included OVMs CEO XXXX XXXX into the e-mail conversation. I wrote a complaint, explained the situation in detail and requested to receive the financial statement of my payment or a receipt of my XX/XX/XXXX mortgage payment and its distribution. At first, XXXX wrote he does not quite understand what I am requesting and asked to call him. At the end of our long phone conversation he said OVM does not provide any financial statements of payments. As a follow up to our phone conversation XXXX e-mailed a " first payment '' letter which gives an example of how the payment will be distributed, but the verification documenting and accounting for how my XXXX payment was applied was still missing. I replied immediately explaining again in detail what documentation I would like to receive, but he did not answer. 

The following day, XX/XX/XXXX with no response to my email, XXXX and XXXX began responding in a previous communication thread stating that everything was resolved. When I disagreed and recopied my follow-up email to XXXX sent on the XX/XX/XXXX, XXXX XXXX, OVMs CEO added clearly there is nothing more OVM can provide to you. 

Considering that this is OVM Financials CEOs position to this request, after I have clearly pointed out that OVM Financials inability or unwillingness to provide the requested documentation of my mortgage payment is a RESPA violation, I am now reaching out to Consumer Financial Protection Bureau to seek assistance in dealing with this matter.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Hello, I have been trying to dispute 4 accounts that are paid in full and are very old accounts. I've also tried XXXX XXXX to dispute which was a slow process in which I understand it ; s based off timing and how long I will continue to pay for services. Both XXXX  and Equifax are still reporting old information, but amazingly Equifax has removed and XXXX  continues to report. 

XXXX : : XXXX XXXX XXXX XXXX was paid off through XXXX XXXX because the car was total through an accident. I understand there was a few lateness, but why should I still be punished on my credit profile for an account that was satisfied? 
XXXX XXXX XXXX is a paid account from XX/XX/XXXX XXXX XXXX XXXX   XXXX : is a paid account from several years. I believe XX/XX/XXXX-XX/XX/XXXX Equifax : still reporting an account " XXXX XXXX that's been paid for several years ; XX/XX/XXXX-XX/XX/XXXX. They also state on my credit profile it was a charge off when I paid in full through a court decision. 

I take full responsibility of my mistakes and downfalls during a time when I was unable to keep up on payments with certain accounts, but i'm in a better space now and I don ; t feel like this should be continue as this cat and mouse game. XXXX XXXX will send me information that an account has been removed but when I look at my XXXX  account the issue is still there. Those issues are the accounts i listed above : " XXXX XXXX XXXX  '', " XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX ''. 

As well as the one account Equifax is still reporting : " XXXX XXXX '' Thank you,
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DRS Financial LLC (NY)

OnXX/XX/2020 at XXXX XXXX  I received a robocall from Capital Collections. The robocall asked for me, said if it was not me I should hang up, then went on to say they were attempting to collect a debt. 

I received the call a So, bad practices and a TCPA violation from XXXX. 
violation.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wanted to view my credit score for an upcoming potential apartment lease, so I paid for a subscription to trans union to be able to view my credit report back in XX/XX/XXXX. I was supposed to be able to see my report and see how to better my XXXX XXXX. I used it once and then forgot about my subscription till about 2 months ago. At which point I remembered what the charge was for this website trans union. When I went to go cancel it, the website kept giving me the run around and trying to get access to my account itself was extraordinarily difficult. No matter how I tried to view my account it would never let me past the login info page. I knew what the answers to my security questions were and it continued to tell me that my answers were incorrect and that i would have to call to get help with access to it. I tried calling multiple times over the course of a few weeks along with attempting to still access my account via the login page to no avail. Finally this morning on XXXX the XXXX of XXXX, after a couple tries, I was able to talk to a representative and cancel the subscription for good. They were charging me since XX/XX/XXXX, without me being able to access the account or view my credit score, and I was unable to get anything from it past the first time I used it. In my view these charges are fraudulent / " services not rendered '' as they haven't been providing the service I was paying 20 dollars a month for. I want to be able to recoup those losses if possible, and I want to make sure the service is actually canceled.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

In XXXX 2021, I made my regular mortgage payment plus {$50000.00} to be applied to principal. I have continued to make regular payments on time since that payment. New Rez/Shellpoint misapplied the payment and believes that I missed a payment. The monthly payment is {$440.00} and there is over {$1000.00} in a suspense account not applied to my mortgage. I made phone calls, spoke to a representative and hung up the phone thinking the issue was resolved on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I received a forclosure notice dated XXXX/XXXX/2021. I received a phone call today ( XXXX/XXXX/2021 ) asking for payment to prevent foreclosure and when I explained the situation the female representative said that I was just on a list for her to call and then hung up the phone on me. I called back and spoke to a gentleman who put me on a lengthy hold and then came back saying that there was an issue with their phone system and could not help me but suggested that I call back tomorrow.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (LA)

Two checks were forged and cashed out of my account. Both of them were typed. They were dated for XX/XX/XXXX. I caught the error on XX/XX/XXXX, and make a claim. I was told that my claim would take 3-5 business days to process, and then I would receive my money back. It was been 6 business days, so i called customer service to get an update. I was informed that it may take 30 business days to receive my money back. It could take until XX/XX/XXXX to get my money back. Thats 42 days My account will be shot {$1800.00} bc chase fraud department allowed two typed check to be paid. Also, my account states that I do not wish to cover anything if I do not have the money in my account. Against my wishes, I was charged a {$34.00} insignificant funds fee, so the second fraudulent check could be paid.
Consumer complaint received 2021-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago and you rejected and said it was done by someone else and that was discouraging. 

I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else.
Consumer complaint received 2020-11-18
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. (NY)

Hello. I am in the process of purchasing my first house and I am a victim of Identity theft. I have fraudulent accounts on my credit report that I request be removed. I have filed a complaint with the FTC and have the identity theft report which I will attach.
Consumer complaint received 2021-01-28
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. (GA)

XXXX, XXXX, and TransUnion are reporting erroneous accounts. I have attempted to dispute these with the bureaus through the past year but no validation has been sent to me. 

Certified mail slips for the attached letters below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TU
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

I received a letter on XX/XX/2021 from American Coradius International LLC stating they are collecting a debt on behalf of XXXX for {$210.00}. I went ahead and contacted XXXX XX/XX/2021 and inquired about this collection and they were able to clarify that this was incorrect and there was indeed no debt collection requested for my account. I have done research online and apparently this company is notorious for illegitimate collection from people on behalf of XXXX.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Trans-union had a glitch in their system and they did not notify me any form of contact. The credit inquires needs to be removed from my report. Also, i see several inquires on my report for a car loan. I already had a car and never applied for any car loan last year. It shows I have XXXX inquires from a car application. Please advise.
Thanks
Consumer complaint received 2020-12-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

On XX/XX/20 I did a balance transfer of {$9800.00} with Citi Diamond Preferred Card for 18 months 0 apr with a balance fee of {$290.00} I got a bill in the mail. There is a minimum payment due for $ XXXX/month. If minimum payment is not paid, a late fee of {$40.00} is charges. Multiple late payments may cause my 0 apr to increase to 29.99 % In the past balance transfers, I dont remember if there was a minimum payment at all.

I think Citibank is taking advantange of the current situation of people having financial difficulties due to pandemic. I think this minimum payment is way too high and the penalties are even worse. I dont believe this practice is fair.

Had I known this minimum payment was going to be implemented at this level, I would not have done a balance transfer. I feel I may be worst off for this balance transfer than if I didnt do it in the first place.

Thanks
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

SANTANDER CONSUMER USA


Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX
XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-10-13
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. (KY)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

I purchased U.S Banks ' three MasterCard {$50.00} Gift Cards ( with a {$4.00} activation fee each ) on XXXX, XXXX. The front of the packaging states {$50.00} Gift Card and " Valid Thru XX/XX/XXXX '' It also states the Gift Card has " no value until paid for and activated at register ''. 

In XXXX, I did not give the gift cards to the designated individuals, and put the gift cards in a folder, and promptly forgot about the folder. In XXXX, XXXX, I found the folder with the 3 MasterCard {$50.00} Gift Cards ( with packaging still intact ). 

From my perspective, the card was active upon purchase " i.e. activated at register ''. 
Secondly, if inactivity fees were to be applied, then the information should be disclosed on the front of the packaging ( with additional details on back of the packaging. 

I did not check the back of the packaging because the front of the packaging noted the {$50.00} Gift Card was Valid Thru XX/XX/XXXX. 

In summary, the front of the packaging does not disclose the required additional step to register the card at the website to be active nor does it disclose inactivity fees will be assessed ; eliminating the value of the {$50.00} in 3 years. 

On XX/XX/XXXX ; I called U.S. Bank at XXXX to resolve my complaint on how the MasterCard {$50.00} Gift Cards inactivity fees were assessed. The first call was an offer of {$8.00} ( for the {$150.00} value ). I requested escalation, which turned out to be the supervisor. The supervisor informed me they were adhering to the process. I requested address information to register my complaint with the federal agency overseeing U.S. Bank compliance. The supervisor put me on hold and the call was dropped after 15 minutes. I initiate a 2nd call to resolve the issue, and XXXX had me go through all the issues again, and I requested the escalation ( supervisor ). The supervisor offer no relief on the issue, refused to consider additional compensation, and would not provide any additional insight to which federal agency had oversight authority.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

Settled an account with discover credit company, and the account still said charged off instead of settled or paid off. They agreed during negotiations that it would be changed. But whenever I call and ask to speak to a supervisor, I have been put on hold forever, and I end up dropping the call. It's not right.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

( 1 ) I have a XXXX XXXX CC from American Express ( annual fee {$450.00} ). Usually, I receive an annual statement credit of {$300.00} for eligible hotel stays at XXXX hotels. Due to Covid travel restrictions, American Express offered a {$300.00} statement credit for restaurant purchases ( dine-in and take-out ) in the U.S. between XX/XX/XXXX XXXX ( refer to my attachments for details ). The details were confirmed by Amex in a website chat on XX/XX/XXXX. I was automatically enrolled in this program ( see attachment 3 ), and I spent {$300.00} for restaurants during that time period ( see attachment 7 ).

( 2 ) However, Amex did not provide yet the statement {$300.00} credit as promised.

( 3 ) To clarify the missing credit, I've contacted customer service on the Amex website ( chat service on XX/XX/XXXX ), and I've called customer service twice ( in XXXX and XX/XX/XXXX ). They noted the details and promised the request would be clarified by customer service and I would hear back from them. But no luck so far. 
( 4 ) Thus, I would like to file a complaint about the missing statement credit of {$300.00}.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

Since the begining of 2020 i been try to resolve this matter but the company XXXX XXXX is not willing to help me and since about 6 month they start to impose a fee increasing the amount that they said i owe wich star as XXXX and now because of all the fees that they are adding in violation of the contract is more than XXXX
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (VA)

US Bank put a hold on my account ending in XXXX, I called 3 times and wasted a lot of time waiting on hold and verifying a ton of information with front line customer service only for them to tell me they cant do anything about it and to wait for a call from the bank, I waited and nothing happened. What kind of bank puts a hold on a customer 's account and not take care of it instantly when the customer calls. US Bank is literally preventing people from using their available credit to make purchases that could potentially save their life ( like medicine and food ).
Consumer complaint received 2021-05-02
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. (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Equifax is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Equifax is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - Card Services XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Equifax is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.