davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

After XXXX years we finally received an escrow statement from our mortgage company. There were several items that we incorrect. 
1 ) We had overages that we were never notified of, and have no idea where the money was applied. 
2 ) They do n't show a XX/XX/XXXX, or XX/XX/XXXX and XX/XX/XXXX. They do have XXXX payments posted without a month attached. 
3 ) We have made extra payments From XX/XX/XXXX-XX/XX/XXXX and have no way of knowing where the money was posted. 
4 ) The beginning balance they show as XXXX, it should have been the amount they received from XXXX XXXX XXXX which was {$2100.00}.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

XXXX XXXX received permanent modification documents after completing a 3 month trial in XXXX. On XXXX/XXXX/2015 the authorized XXXX part representative spoke with Ocwen about the status of the modification being finalized in there system. They advised they received it and it should take 7 to 10 business days. Another call was made today, XXXX/XXXX/2015 since XXXX XXXX is still receiving delinquency documents and negative credit reporting. Another representative at Ocwen named XXXX XXXX stated that they did receive the modification documents but what the hold up was that with the modification that XXXX XXXX received Ocwen would have to purchase the loan and they have n't done that. He stated that they do not have a time line for this and their was nothing that could be done to speed it up. XXXX XXXX has completed the trial successfully and done everything required of her and she is still at risk and receiving foreclosure documentation. This is a completely unreasonable amount of time to finalize documents returned back.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENC
E
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there were a couple of collection debts reported by a Company called  XXXX XXXX XXXX XXXX the amount of both accounts is {$0.00}. However, the company is reporting that the account was paid in full for less than the full balance. I sent Portfolio Recovery a validation of debt certified letter on XX/XX/18. While I did receive response letters within the required 30 days, I didnt receive evidence bearing my signature, showing that I ever had a contractual obligation to them or the original creditors. At this time, I am seeking assistance in having Portfolio Recovery remove both debts from all three credit bureaus since they were not able to provide acceptable proof of validation of this debt bearing my signature, and not just a printout of an alleged debt.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OH)

On XX/XX/2020, I went to a few stores after receiving a deposit and having over {$2000.00} in my account. I was successful wit h those transactions but later that afternoon I was declined and locked out of my account. I called and received very bare and dry answers regarding why and when will my check be issued because I have to pay for child care and rent. The agent showed no empathy and the security team I was told would normally speak to customers but is refusing to be transferred to me. It caused me extreme XXXX and XXXX because we are in the middle of a pandemic and I will not be able to send my daughter to XXXX which will cause me to lose my spot and my job ultimately. My credit will now be effected because of me credit card being closed as well and they refuse to give me a time frame of when I should expect a check! I am completely broken and ready to give up on everything because my family livelihood is now in jeopardy and I have been a customer for years! I dont even know why it was closed but I am again broke, not sure how to may for daycare, bills, groceries and gas but they do not care about their customers. I need help figuring out a real time frame because I have to try to pray and beg not to be evicted or lose my spot in childcare. Citibank is the sole reason I will never trust 3rd parties with my hard earned income. Do not leave your money with this company at alllllllllllllll.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credence Resource Management, LLC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-07-15
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. (CA)

I requested for Experian to provide me with signed documents verifying that the accounts that I am disputing are mine. Experian has not provided those documents. They only send information saying that the account is verified.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Transfer money to nephew using XXXX through bank accountTruist on XX/XX/2022 Discovered recipient had closed account. 
1. Tried to cancel money transfer. 
Closed recipient, removed name from my account.

2. Called bank.

Told transfer had gone through.

3. Demanded to speak with supervisor. XXXX said need to wait 4-7 business days for automatic correction. She stated nothing could be done until transaction cleared. ( Best of my recollection. I insisted that a record be created of my issue. 
XXXX said ok. Requested a copy was told they do not do that. 
Did not hear from my bank. 
XXXX. Meanwhile, the recipient of my transfer checked with his bank, and confirmed checking account closed inn XX/XX/2022. His bank promised to investigate. On or around week of XX/XX/XXXX my recipient 's told me his bank recommended I contact my bank ( Trust ). 
XXXX. On XX/XX/XXXX contact Truist. Bank representative asked me if I wanted to dispute the transfer. I said yes. She said it would take a week or so and I should call back. 
XXXX. XX/XX/XXXX, I called the bank. Bank representative said no record of dispute being filed. 
She contacted another office to investigate my issue. She said they reported that their files shows that my transaction was completed, the recipient received the funds. I disputed this since the account had been closed. 
The representative then proposed that I contact the person I transferred the money to. At first I agreed, later I decided this would unlikely solve my issue and told her I would file this complaint. 
I have a copy of the transaction receipt with XXXX if it's needed.
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

TransUnion is reporting in incorrect credit card and loan balance information and used the inaccurate information to lower my credit score. The total amount of my credit card account balances is {$22000.00} and TransUnion is reporting {$1000.00} more at {$23000.00}. They also lowered my credit score by 5 points because I have new account which was opened 7 months ago. They are reporting a balance of {$240.00}, the balance is {$170.00}.
Consumer complaint received 2021-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I disputed 8 charges from XXXX and their servicer XXXX. I had repeatedly tried to resolve with XXXX and XXXX prior to being forced to file disputes. This was for dental appliances that were never received, they cancelled the processing but still billed in error thinking they had manufactured them. Capital One has reinstated erroneous charge to my card. This is despite providing overwhelming evidence that the charges were erroneous. XXXX has since admitted the charges were erroneous. They clearly state in writing it is an error and they have directed their servicer XXXX to refund all charges. It has been very difficult with Capital One. I was supposedly working with executive relations but yesterday " XXXX '' informed me she was making a credit permanent but in fact did the opposite and reinstated 2 of the charges on my bill. I disputed these charges and Capital One closed my card and issued a new one saying it would block future charges from the merchant but they immediately allowed 2 more charges from the merchant on the new card and then that card had to be cancelled. I uploaded proof that these charges were erroneous including correspondence from XXXX saying their charges were in error and that they had asked XXXX to give a complete refund. Capital One has this documentation and clearly it is undeniable these charges are not legitimate. Despite this they have reinstated the charges to my account. 2 charges as of yesterday. I spend hours getting the runaround from Capital One. They give completely conflicting information. You are dealing with people working from home with people in the background. The TV on and dogs barking. It is so not secure anyone apparently can be in the room while they are accessing your info. Where are the security measures! As my card issuer I am supposed to be protected from erroneous charges. Capital One despite the evidence and despite being told to block additional charges are refusing to help and saying there is nothing more they can do.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (OK)

XXXX XXXX {$1700.00} 2014 I bought a Laptop and took it back within 2 days and the have a 14 day return policy I dont so instead of helping me they made it as as I repo the laptop and they want me to pay the whole {$1700.00} They wont help and I feel like its messed up and not right they threaten me that they hurt my credit and and try to sue me.,.
Consumer complaint received 2018-02-19
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. (PA)

On 08/2013 XXXX XXXX XXXX XXXXXXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account Per section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

On XX/XX/17 my bill payment with XXXX XXXX XXXX did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Hi my name is XXXX XXXX and i paid of my balance for wells fargo already cause i had a checking account with them before. I paid {$30.00} yestraday and the rest today. I was trying to open a new account but it was not letting me..
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

These items reported by XXXX Account Number XXXX and XXXX Credit Card was Discharge in Bankruptcy Case No. XXXX XXXX, XXXX, NM XXXX is Inaccurate or incomplete. Because it is reporting to Experian Credit Agency as open and Charge off which are inaccurate or incomplete and because it was discharged on XXXX XXXX, XXXX. I am requesting that the item be updated and show close and not open to correct the information. 

I received a response from XXXX dated XXXX XXXX, XXXX there Case numbers XXXX anf XXXX stating they are refusing to report these accounts as close, thereby making my credit report after bankruptcy appear that I have a bad payment history. These action on XXXX is lowering my credit Score.
Consumer complaint received 2022-09-12
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (MS)

XXXX  and SUNTRUST have repeatedly removed the SUNTRUST BANK CARD MEMBER S account from " Included in Chapter XXXX Bankruptcy '' status to negatives statuses and now they are reporting it as an " OPEN ACCOUNT '' and both agencies continue to re-age the " Date Reported : XX/XX/2017 ''.
Consumer complaint received 2018-06-14
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX the following accounts were taking off my credit report XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX all the items were put back on credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is very serious violation of the FCRA. These items need to be removed off of my credit reports immediately.
Consumer complaint received 2020-07-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

Lakeview Loan Servicing LLC has repeatedly violated the terms of my FHA loan. Issues I've been having with this loan servicing company are : ( 1 ) FAILURE TO REMOVE PMI AS SPECIFIED IN LOAN DOCUMENTATION. Lakeview did not remove the PMI in XX/XX/2020 as expressly stated in my loan paperwork. Even after multiple time-consuming discussions ( 3-4 hours total ) with Lakeview, they have refused to adjust my loan account to reflect removal of the PMI beginning in XX/XX/2020, and instead have put my payments in " suspension '' as if I had not been paying the full amount due ( which I have done ). ( See attached copy of mortgage payment summary page ).

( 2 ) UNABLE TO MAKE PAYMENTS BY PHONE. As of XX/XX/2020, Lakeview 's phone system will not allow me to pay my loan by phone as I have done for many years. It appears that Lakeview 's phone system is rigged to only accept the higher improper payments and no other type of payment at any other amount is possible.

( 3 ) FAILURE TO POST ELECTRONIC PAYMENTS. Lakeview did not credit 3 months worth of payments ( XXXX, XXXX & XX/XX/2020 ) made thru XXXX  XXXX XXXX Bill Pay online system. These payment were FINALLY credited to my account 3 months after the fact when XXXX  XXXX XXXX personally intervened on my behalf. However, XXXX is STILL trying to assess late fees & the PMI for months in which PMI was not due. I was forced to make payments thru XXXX XXXX XXXXXXXX XXXX on-line bill pay service because Lakeview 's phone payment system would not allow me to pay the correct amount ( without the PMI ).

( 4 ) IMPROPER ASSESSMENT OF ADDITIONAL FEES UNRELATED TO COLLECTION. Lakeview attempted to pass on their legal fees to me without my consent which were associated with a property line dispute which I informed them of with a neighbor. It is my understanding that this is NOT ALLOWABLE under an FHA loan. These legal fees are completely unrelated to any collection.

( 5 ) LATE PAYMENT OF PROPERTY TAXES COLLECTED. Lakeview repeatedly pays my local property taxes late, and at least once has paid them so late that it was posted in the wrong tax year and affected my ability to properly file my personal taxes.

( 6 ) IMPROPER ASSESSMENT OF LATE FEES. Lakeview is assessing hefty late fees for several months even though I have made every attempt to pay them on time.