davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

PHH Mortgage po box XXXX Mt. XXXX NJ XXXX ; XXXX ; Fax XXXX ; www.MortgageQuestions.com AN : XXXX took over from Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX ; XXXX & added more money to my balance this falsifying records. After filing several complaints with your office because XXXX credited the first ( XXXX ) waiver on XX/XX/XXXX but failed to credit my account correctly the {$58000.00} each twice ( 2x on XX/XX/XXXX & XXXX {$110000.00} ). According to the loan modification agreement ( See Ocwen letter dated XX/XX/XXXX, The amount of the Home Affordable Modification Program ( HAMP ) Tier 2 on XX/XX/XXXX, the new unpaid principal balance was {$240000.00} & {$170000.00} was the Deferred Principal balance which at the end I would have a balance of {$66000.00} in XXXX. I was never given the credit. After talking with several representatives namely XXXX, XXXX ID : XXXX & filing a complaint with XXXX XXXX on XX/XX/XXXX, the records was supposedly corrected. It took many hours on the phone & years to get the credit after providing proof of all on time payments from XXXX XXXX  ( See statements XXXX ) Now PHH Mortgage went back to the original Loan from XXXX to {$350000.00} without regards for the 1st Loan Modification from XXXX XXXX XXXX and the 2nd Lian Modification from Ocwen Loan Servicing LLC. Im demanding justice & restitution fir all the stress, anxiety & aggravations. In addition overcharging for late fees before the XXXX of the month
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (FL)

I have reviewed my credit report and I believe the following information Is not reporting accurately. Please investigate and verify the following information. I do not recognize the account names and account numbers in the credit report and I am very distressed that I have inaccurate accounts and inquiries.
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have a dispute with a collection account on my credit report with PORTFOLIO RECOVERY ASSOCIATES my original contract was with XXXX XXXX XXXX XXXX XXXX I didn't authorize them to allocate my personal information to a third-party also XXXX XXXX XXXX XXXX XXXX canceled my original account.
Consumer complaint received 2020-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I applied for a Home equity loan with Regions bank. I provided sufficient income, employment history and credit docs required 2 months ago. I also included a letter explaining my decrease in income for XXXX. I got no communication from the loan officer other than initiated by myself. After waiting for status update, I was informed verbally only that my application had been declined for excessive debt to income. My annual income for XXXX is over {$90000.00}, my debt is less than {$1300.00}. Per month, credit score requirements were met. My debt to income is well below the XXXX XXXX XXXX XXXX threshold. The underwriter, never conditioned for more income documentation or an. The explanation the underwriter calculated a 90 day year to date pay stub over a 12 month period, i had recently changed jobs and was stated in my application. The ban underwriter never completed a verification of employment from my prior employer for the remainder year to date income amount. My debt to income is less than 6 %, guideline max debt to income is 41 %, no reason for decline. Now thy want me to reapply, pull another credit report that will affect my credit scores and yet the original credit report is valid for 120 days from application date. This is wrong. I was denied credit based in their lack of due diligence and following income calculation protocol and not giving me the consumer the opportunity to have them realize their error. I meet all guidelines for an approval for the application. I am being denied erroneously. I have tried for the past month to speak with someone in management and yes, they admitted the error was on their part in writing but still failed to correct the problem with out affecting my credit and also being out of compliance for adverse action notification to the consumer.. Please advise.
Consumer complaint received 2021-06-22
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: Experian Information Solutions Inc. (UT)

For the past several months I have submitted several disputes letters to the credit bureaus, Experian, XXXX, and XXXX. As of today, I have to receive any responses, or notifications regarding the erroneous items disputed on credit file. Per the FCRA the credit bureaus under law have 30-45 days to respond, and I have not received one items from any of the bureaus. I am in the process of financing and this is affecting my financing. I need the credit bureaus to respond, as per the law states.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

KOHLS/CAPITAL ONE failed to give me proper validation of this debt. 

I mailed KOHLS/CAPITAL ONE a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I disputed information with Experian for inaccurate information reporting on my credit file and haven't gotten any updates. It's over 30 days and still no response from the company regarding the disputed accounts.
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

Applied for a XXXX XXXX XXXX XXXX card which was running a XXXX pts reward offer during XXXX XXXX. This card is through JPMorgan Chase Bank. I applied for the offer on XX/XX/25 and did not receive an immediate answer. My understanding is that I would receive an answer by mail within XXXX to XXXX  days. I did not receive any correspondence with determination from Chase. I decided to reach out to them in order to get some answers. It was determined that my application was denied because they could not verify my addressing information and said it expired. I was very upset and explained that they failed to reach out to me for the opportunity to verify that information. They said I could reapply but the offer was gone and I could only apply for the new lower offer of XXXX rewards pts. I felt slighted but said I have no problem taking the lower offer. However, reapplying would hit my credit report again which already has their hard inquiry listed. I was told that they would not be able to remove the first inquire. I was then sent through a phone call transfer rollercoaster by several agents who could not resolve my issue or present a fair solution. As of today I have still not received any letter of denial from JPMorgan Chase Bank.
Consumer complaint received 2022-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (HI)

On XXXX XXXX, 2022 my XXXX XXXX account with XXXX XXXX with virtual currency assets held on the Gemini Exchange was hacked and 5 Ethereum with a value of {$15000.00} at the time was illegally transferred from my account through a hack. Gemini had custody of the coins on their exchange platform. I am another victim of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.GEMINI COMMITTED THE FOLLOWING VIOLATIONS IN THE OPERATION OF ITS CRYPTOCURRENCY BUSINESS ACTIVITY, RESULTING IN THE LOSS OF CLIENT CASH AND CRYPTOASSETS MAINTAINED ON GEMINI 'S EXCHANGE AND UNDER ITS PROTECTION : 1. GEMINI ACCEPTED SELF-DIRECTED IRA ACCTS FROM XXXX  XXXX XXXX XXXX ), A 3RD PARTY SERVICE PROVIDER ( SECT. 500.11 ). GEMINI FAILED TO PERFORM A RISK ASSESSMENT OF XXXX 'S ONLINE PLATFORM THAT IS DIRECTLY CONNECTED TO GEMINI 'S PLATFORM, NOR DID GEMINI EVALUATE THE ADEQUACY OF XXXX 'S CYBERSECURITY PRACTICES AND PROTECTIONS, IN VIOLATION OF XXXX ( 1 ) & ( 3 ). AS A RESULT OF THESE VIOLATIONS, A HACKER ACCESSED HUNDREDS OF SELF-DIRECTED XXXX  XXXX XXXX ON THE GEMINI EXCHANGE AND STOLE APPROX $ XXXX IN XXXX AND CASH FROM GEMINI 'S IRA CLIENT ACCTS. 
2. GEMINI FAILED TO PROVIDE XXXX WITH A PHONE NUMBER TO CALL TO STOP THE THEFT IMMEDIATELY UPON ITS DISCOVERY, INVIOLATION OF XXXX XXXX XXXX ( B ) ( XXXX ). IT TOOK XXXX XXXX XXXX HOURS TO FINALLY CONNECT WITH GEMINI PERSONNEL TO STOP THE THEFT. AS A RESULT OF THIS EXTREME DELAY, ALMOST ALL OF THE ASSETS WERE REMOVED. THE THEFT COULD HAVE BEEN AVOIDED HAD XXXX BEEN ABLE TO IMMEDIATELY REPORT THE HACK AND HAVE THE ACCTS FROZEN. 
3. GEMINI RETAINED 100 % CONTROL OVER FREEZING THE SUBJECT IRA ACCTS. XXXX HAD NO MEANS OF DOING SO FROM ITS END AND THEREFORE COULD NOT STOP THE THEFT AS IT WAS OCCURRING. NOR COULD XXXX MAKE CONTACT WITH ANYONE AT GEMINI IN TIME TO STOP THE THEFT. 
4. THE API THAT GEMINI REQUIRED XXXX TO USE HAD SERIOUS FLAWS THAT ALLOWED THE THEFT TO OCCUR : XXXX FAILED TO LIMIT ACCESS TO CLIENT ACCOUNTS BY ADMINISTRATORSALLOWED ADMIN TO WITHDRAW FUNDS W/OUT CLIENT NOTICE/AUTHORIZATION B.IT FAILED TO PROHIBIT TRANSFERS BETWEEN UNRELATED IRA ACCOUNTS ALL OF THE AFFECTED IRA ACCTS ( TOTALING A FEW HUNDRED ) WERE DRAINED AND TRANSFERRED TO A SINGLE, SEPARATE, UNRELATED ACCT, FROM WHICH THE THIEF ( S ) THEN TRANSFERRED THEASSETS FROM GEMINI 'S EXCHANGE.

C. IT FAILED TO REQUIRE 2FA BY CLIENT TO COMPLETE THE UNLAWFUL WITHDRAWAL GEMINIS WEBSITE SAYS 2FA REQUIRED FOR ALL WITHDRAWALS D.IT FAILED TO REQUIRE DUAL SIGNATURE BY ADMIN USERS FOR WITHDRAWALS A SINGLE ADMIN USER WAS ALLOWED TO DO THE WITHDRAWALS W/OUT NEEDING APPROVAL/INPUT BY A SECOND ADMIN
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX XXXX on XXXX via USPS certified mail. Unfortunately, as of today I have not received any response from XXXX  or TransUnion. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did XXXX  and TransUnion receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?
Consumer complaint received 2021-10-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have notified this reporting agencies to remove difficult information in which has been a burden to me. They have refused to comply and have violated numerous US Codes. I will copy the supporting letter I have sent to certified mail to both reporting agencies.

Re : You have violated my consumer rights numerous times.

This is not a dispute. Youre in violation of 15 USC 1681b ( a ) ( 2 ) there was no permissible purpose or written instructions from myself ever to have this consumer reporting agency furnish any of my information. Not only were you all ever given any written instructions, you retrieved that information for this consumer reporting agency and other, infringing on my right to privacy 15 USC 1681 ( a ) ( 4 ). Previously I have notified you all to have this information be removed, this consumer reporting agency have ignored my requests and violated my consumer rights. Upon your last response you have said this information is accurate, however yet again you all have violated 15 USC 1681a- ( e ). Who was interviewed? Neighbors, friends, or associates, anyone that may have knowledge concerning this situation? In the event, such information shall not include specific factual information on a consumers credit report. I am enforcing my consumer right and I demand all information associated with this matter be removed in the next fifth teen days of dated letter. I will be submitting a CFPB complaint for failure to abide by multiple subchapter laws. In the event this matter is not handled in the timeframe requested, I will seek litigation. 

1. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once.

2. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once.

3. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once.

The file attached to this document will be from the bankruptcy court, stating they do not report any information to any consumer reporting agency. 
XXXX XXXX
Consumer complaint received 2021-04-10
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. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Select Resource Group (NY)

I received a voice mail at XXXX on XXXX/XXXX/XXXX. asking I call back XXXX This was the third or fourth phone call I received in the last 6 months. I explained the last two times that this is my number and that the person that they are trying to contact is my ex husband, divorced over 5 years. The message stated that there is a petition filed against me and that it would be in my best interest to have myself or my attorney call them. The petition will cause assets to be frozen including tax returns, bank accounts and employment. 
I called back at XXXX pm and I was very frustrated. The arrogant woman whom answered cut me off as she must have caller ID and said this is for my ex husband ( she stated the name before I even continued ). I said I have been divorced for 5 years and I explained this already - she snaps back stating " I did not ask you all that '' and proceeded to tell me that " no wonder why you are divorced ''. Then she hung up on me. I have worked in the XXXX XXXX XXXX XXXX for 20+ years. The message left was threatening, they did not leave their name and they did not even state whom they were calling for, naturally I called back as I was nervous as I had no idea what occurred, should have known better. These folks are bullies, are far from professionals and expect a human not to call back irate after leaving such messages. They need serious help and should not exist as any sort of scheming collection service.
Consumer complaint received 2017-12-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

XX/XX/2017 a debt for medical services I did not get or owe, because I am a retired XXXX XXXX veteran with full medical benefits. And only go to the VA hospital. I got a collection notice by my credit agency after being turned down for a credit card application. I did not know a collections agency can State they are entitled to collect a debt on.behalf of the federal govt. Withhout Verfication of one 's financial.status. Currently I had and do have a fraud alert on my credit and this information still got through. They.wanted me to pay the debt off from the collection agency first before they could remove any negative items. I refuse to pay anything because I do n't any ' medical bills period.
Consumer complaint received 2022-04-26
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. (KY)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

I have sent payment receipt copies of all payments, still being inaccurately reported and not corrected? Inaccurate Property Description refusal to correct? 
Inaccurately Principal Balance reported? 
XXXX United States Bankruptcy Court paid {$46000.00} only applied to the loan {$4600.00}? 
Recharging the customer for Payments the Bankruptcy Court has already paid? 

Sent unknown persons to my home Sunday, XX/XX/21 to verify if someone lived in the home or any damages? Mortgage Company sent our payment back to us, I remailed Priority Mail Tracking Number. I have sent 7-8 Priority Mail with tracking numbers none have been answered? I will not Refinance or have another Mortgage company buy out when there is inaccurate Principal balances due to Mortgage Neglance?

Can submit all Payments Receipts, Tracking Information Recorded conversation under separate cover.
Consumer complaint received 2017-12-14
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: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.