davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My mom 's home is trying to be foreclosed on. And Ocwen Loan Serving is ignoring me. I have the direct number to the Acct Mgr and XXXX XXXX in the Office of the Consumer Ombudsman and Still ignoring. I have called multiple days and left many messages. My mom died XX/XX/2018 and the home was in probate from my dad 's death. My mom 's death was very unexpected and I want to pay off the home and Ocwen will Not work with me. They won't even return any calls. I have received email messages only and that was right at the time my mom was sick and trying to get property in her name from my dad 's estate. Ocwen only lies and says they didn't receive my dad 's death certificate. While I was trying to help mom ( I myself, sent it certified And faxed it ), so I know for a fact they received the paper work but just do not Wish to help consumers. Ocwen 's main goal is to take homes. I will be talking to a lawyer now but I want to go on record with this issue so that when this goes before a judge, it is documented that I have made multiple attempts over many months and to show that they were not willing to work with my mom as well. We are willing to pay it off but Ocwen is only trying to make it go up. I've received a pay off of XXXX if they keep waiting, the pay off goes up. This is ridiculous!!! With so many people complaining about this crooked company ... why the XXXX does the government allow them to keep robbing people?? I will be posting this to every place I know of.
Consumer complaint received 2018-03-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXXXXXX. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
Consumer complaint received 2022-09-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-13
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: BARCLAYS BANK DELAWARE (PA)

I am disputing a charge with my credit card company in the amount of {$120.00}. I made the dispute onXX/XX/XXXX and to date, they have still not made a temporary credit on the account while they investigate. I have called numerous times trying to get an update and no one can provide me information. I have asked for a manager to call me back and they do not. I have followed up with supporting documentation via fax and still no responses by Barclays Bank. They are not handling as they should.
Consumer complaint received 2023-06-13
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. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX reported this hard inquiry on my credit report that is FRAUD : US SM BUS ADMIN XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I DID NOT apply for any Government loan. They will not remove it. 

XXXX still shows this fraudulent address after I have called 15+ times with a police report that states this is fraud : I have lived in Indiana at my current location 3 years since XXXX and in Indiana since XXXX. I have never been to NEW YORK or EVER lived there. They refuse to delete it. 
XXXX XXXX XXXX FL XXXX XXXX, NY XXXX XXXX XX/XX/XXXX Also they still Show CAPTIAL ONE/XXXX XXXX in XX/XX/XXXX as a hard inquiry that I went through you guys for them to remove. It is still there showing a hard copy on my credit report bringing my score down.
Consumer complaint received 2018-03-12
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: EQUIFAX, INC. (FL)

XX/XX/XXXX Hard Inquiry from XXXX XXXX XXXX ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls. 
XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized. 
XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry. 

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

On XX/XX/19 I was contacted by a friend I had not spoken to in years, ( the friends identity was spoofed ) who said I heard about the death in your family and Im sorry about your loss but have you heard about the XXXX Grant Program, Through that communication I was defrauded in withdrawing {$14000.00} from BOA credit card payable to XXXX , XXXX, I checked it out on line it looked harmless I also mentioned to the clerk why I was making the withdrawal the teller also checked it online and said it looked fine. I was instructed to deposit it into acct # XXXX. Upon notifying the fraudster about the deposit he requested additional money which finally made me realize that I was defrauded. I reported it immediately to my local bank who issued a uniform identification agreement to BOA on my behalf.. I reported it to the Attorney General Office, spoke to a local detective as well as filed a fraud claim with BOA, whose final letter claimed that they determine that no fraud occurred. I know that banks are insured against these type of incidents but a widow and retired elderly person have no way to recoup Im sad this happened to me and I hope it doesnt happen to anyone else. Thank you
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Good afternoon! I made a money transfer on XX/XX/2022 in the amount of {$47000.00}. The transfer was sent to XXXX to my sister 's account. The transfer was canceled on the side of the correspondent bank of the recipient XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX. And they should have already been processed by CITIBANK N.A., but the money has not yet been returned to the account. My attempts to contact the bank by e-mail were unsuccessful, and the bank was in no hurry to help me resolve the situation, he only said that he was not responding to individuals, and asked the sending bank to contact him. But the sending bank, XXXX XXXX, tells me that this is not within its authority. I am inclined to believe that CITIBANK N.A. is deliberately withholding my personal funds for its own benefit. Too much time has passed since the payment was canceled.
Consumer complaint received 2018-06-21
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAY LATE - XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-10-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (TX)

I closed my 401k  account with Goldman Sachs as I was XXXX XXXX XXXX XXXX. I decided to take a lump sum distribution in the amount of $ XXXX and GS processed this on XX/XX/XXXX. I have been working with them for over one month to try and obtain the funds. Initially, they told me it would take about 3-4 business days for the ACH to be processed and received by my financial institution ( XXXX ). However, by mid XXXX I still had not received any funds. After calling Goldman Sachs back to check on the status of the transfer, I was told it had rejected and they had automatically issued a check, however this went to an incorrect address. I had them update the address on XX/XX/XXXX, and stop and reissue a new check. As of XXXX, I still have not received any check. I requested another ACH or wire transfer and was told that wasnt standard procedure, but they would look into it. I am at a loss, I needed this money for a financial emergency and Ive been waiting for over a month to get my money.
Consumer complaint received 2021-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I talk to some one today at XXXX XXXX  from the fraud department the lady name was ( XXXX ) I was trying to dispute some fraudulent Inquiries I was let on hold so times I let ( XXXX ) know my Inquiries I did not authorize and I let her know I did a FTC But XXXX did not help me at all or try to remove or investigate the Inquiries. she was not helpful at all and have bad Customer Service My problem was not resolved. 

Here are all the Inquiries need to be remove Inquiry details XXXX XXXX XXXX  XXXX XXXX from XX/XX/2021 All Banks XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX from XX/XX/2021 All Banks XXXX XXXX XXXX XXXX from XX/XX/2021 2021
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (CA)

Knight Adjustment Bureau is ruining my credit by fraudulently saying that I owe a school money when I spoke to the owner of said school and have in writing from the owner that I owe their school nothing. The owner of the school also told me in writing that I was not sent to collections by their school. I submitted proof to the agency and told them that what they were doing was fraudulent and I finally got them to remove the collection on XX/XX/21 but then on XX/XX/21 they put it back on my account and destroyed my credit all over again. I am suffering from XXXX XXXX XXXXhat causes physical XXXX XXXX  and all of this stress has made me extremely ill. I dont know what else to do, Ive been trying to fight it for a long time and Ive received no help. This is a last resort.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

BSI has been a nightmare to work with. They never return phone calls, the customer care department can't even send out e-mails. When I inquire about what they need from me to fix a problem, I have asked for the needed documents to be sent via e-mail. They tell me they can not email me.

Every person I have spoken to has given me the same response ; " I will be escalating this to a higher degree to have this resolved for you. I am fully committed to taking care of this problem! '' Guess what, I NEVER HEAR BACK. Nothing get 's taken care of and my problems still exist.

It is going on 3 months of dealing with this company to fix my issues, that do not stem from me. It's lack of communication on their end. Each person I talk to shoves my problem ( s ) off to someone else. Then I have to wait for them to call me, which never happens. I place
a call in again and have to start all over explaining what the issue is. And that's a repetitive cycle. OVER AND OVER AGAIN. I have spoken to over 5 different people explaining my issue. Over 5 different people have given me the same resolution ... NONE! NO RESOLUTION! Currently, my online account says I am delinquent in my monthly payment. However, I have sent in e-mail proof of a written check ( dated ) and confirmation of withdrawal from my bank account, paying the mortgage. BSI has not credited my account! I have received calls
from debt collection asking if I " PLAN ON MAKING MY PAYMENT ''. I HAVE ALREADY PAID, AND I HAVE EMAILED BSI PROOF OF PAYMENT!!

When I try to speak with a supervisor, oh, apparently they can not be contacted. A request has to be submitted for them to call you back. GOOD LUCK HEARING BACK!

If i could, I would withdraw from BSI Financial Services. I want nothing to do with this horrendous company. And there is nobody who will help me. 

On XX/XX/20, I called BSI once again to resolve the issue. The " CUSTOMER CARE '' individual told me, once again, " I will escalate this to the next level and you will receive a phone call before XXXX ( XX/XX/20 Eastern time ) to speak with someone about this issue. '' I bet you can guess what happened next. NO PHONE CALL!!!!!!!!!!! DISGUSTING!!

There is not enough time for me to explain all the issues with this company. My recommendation to you, if being transferred to BSI, BACK OUT!
Consumer complaint received 2018-06-21
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. (MA)

Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXX XXXX XXXX   XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC. (IL)

I have a fraud alert on my credit report. The below companies ran inquires without my permission. I disputed the below items with the credit bureau but nothing has changed. Anytime anything is done with my credit I am supposed to be contacted first. Please remove below inquires. Thanks XXXX XXXX Automotive XX/XX/XXXXXXXX XXXX BankXX/XX/XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Real Estate/Public Accommodations XX/XX/XXXX ALLY FINAN I National Credit Cards/Airlines XX/XX/XXXX
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I have a cc with Capital One with a credit limit of {$3000.00}. On XX/XX/XXXX a minimum Capital One cc payment was due. I made a payment of {$1900.00} which they withdrew from my checking account on XX/XX/XXXX. On XX/XX/XXXX my cc was declined for a {$21.00} purchase. I looked up my account on the Capital One website and saw I was being charged a late fee and my cc wasn't credited the {$1900.00}. My cc balance was still {$280000.00} with only {$11.00} of credit remaining. 
I called Capital One customer service and got to speak with a manager, XXXX XXXX. He couldn't find any money that was sent to them, no record of any payments at all. He assured me that all account payments are electronically handled, there is no error. There is a problem. This has happened to me before in the past with Capital One. 
Isn't this called floating? 
XXXX XXXX assured me that all payments are posted and credited the next day, including Saturday. After stating this I asked XXXX XXXX, so where's my credit? Capital One took the money from my account on XX/XX/XXXX, why wasn't it posted on XX/XX/XXXX? He assured me it would post on XX/XX/XXXX. 
Isn't this floating? It's cheating. How many other peoples payments are being floated along with mine? Please stop Capital One from doing this again.
Consumer complaint received 2016-09-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Continuous calling throughout the day. Continuous calls after XXXX. Caller requests contact with me and will not leave message for call back. Caller will not provide the debt subject to determine if valid and when questioned - the caller disconnects the call! Extremely rude and short and then hangs up after calling repetively!
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation (SC)

I was sent a collections notice in reference to a medical debt from Receivable XXXX. Ive never received a bill. The bill has been resolved, but receivable XXXX is staying they will not remove it from my credit report. It is a hippa violation to sell my medical information to anyone. They are reporting the medical office it is from and that is my personal business where I receive medical care.
Consumer complaint received 2020-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I am a long time customer of paypal. i use their service alot. on the XX/XX/2020 i sent money {$200.00} to a pool company for payment to XXXX however the actual email for payment is XXXX. i contacted pay pal immediately to tell them to stop the payment. online it says the receiver will not have the money till XX/XX/2020 so there is time. however paypal refuses to stop the payment this has happened twice with paypal. the receiver does not have my money yet so they still have time to stop the transfer but will not do it. that is wrong thank you XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

Submitting this complaint again to follow up on my previous request for the removal of unauthorized inquiries that appeared in my credit reports in the complaint dated XX/XX/XXXX. I requested the complete removal of the said inquiries. As a reference, I am attaching my FTC report # XXXX. Again, here are the inquiries I want you to expunge per bureau : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX **********EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX