davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

Ocwen foreclosed on my home. Ruining both my credit and my life. Since then I 've only been able to rent hole-in-the-wall places. Recently I received a letter that ocwen had misdated letters. I went through the entire process and received {$2000.00} " settlement ''. However, this does n't even come CLOSE to making up for what Ocwen did. My credit is now ruined by foreclosure. I think they should remove the negative information since THEIR misdated letters caused it. I 've been thousands to move into a new residence that I would not have had to pay had Ocwen not improperly foreclosed. And to top it off, Ocwen has people coming into the house BEFORE THE SALE DATE stealing our things. I lost a tool bench that was my fathers and had extreme sentimental value to me. Ocwen was to look into it but they never did. I think Ocwen owes me a lot more than {$2000.00}!
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MD)

I acquired my family home when my mother XXXX XXXX in XX/XX/XXXX 2016. She left the house to me through a deed of trust that she established many years earlier. I have an existing mortgage. When I informed the mortgage company, Seterus Inc. that my mother passed away, and I informed them of the deed of trust, I was told that I could not become " owner '' of the property unless I moved into it as a primary residence. I was also forced into an assumption mortgage although the property was mine legally through inheritance. I moved into the property, making it my primary residence although I had a home with a mortgage, made payments through a " trial '' period for a property that was already legally mine, and suffered through all of the unnecessary processes that Seterus presented.

Recently I got a new job. It is a better paying job that will more easily allow me to pay two ( 2 ) mortgages- my own and the acquired mortgage. While waiting for my first paycheck, I fell behind on both payments. My own mortgage company understood and is working with me. Seterus is quite another matter.

I need intervention so that I can keep the property to do with it as I please. There is a considerable amount of equity at stake that I feel Seterus is aware of. I also believe this awareness motivates how they are handling the entire situation. I will not lose this house.

Resolution : Seterus should provide a real modification, not the in-house non-sense offered. The current principle and interest are only {$30000.00}. My payments are over {$900.00} per month. Outrageous.

Signed, Frustrated
Consumer complaint received 2022-03-31
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: CITIBANK, N.A. (NY)

XXXX WAYFAIR IS REPORTING SOMEONE ELSE 'S ACCOUNT ON MY CREDIT> I DIDNT OPEN AN ACCOUNT WITH XXXX WAYFAIR< NOR DID I AUTHORIZE ANYONE TO DO SO ON MY BEHALF. I LEARNED OF THE ACCOUNT 'S existence when my mortgage company informed me that I have a derogatory reporting. I am very vigilant about paying my bills on time, and I know for a fact this account doesn't belong to me. Please see the attached FTC report and my driver license and remove it from my credit
Consumer complaint received 2020-04-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services (CA)

XX/XX/2020 XXXX XXXX XXXX paid off loan {$28000.00} XX/XX/2020 XXXX XXXX auto pay {$630.00} from my checking account XX/XX/2020 XXXX XXXX assessed me {$28.00} non sufficient fund XX/XX/2020, I reached out to MB customer service. They will refund the {$630.00} but not the {$28.00} assessed fee. It does not make sense to me why auto pay was activated when loan is {$0.00}. This has caused an inconvenience to me during this pandemic crisis. Per customer service I need to call my bank regarding the NSF fee. There is no justification why they won't pay the {$28.00} it was their mistake. It's not a lot of money but it's the principle. 

Thank you for your time and kind consideration in this matter.
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CO)

I have been a victim of identity theft for several years. Around XX/XX/XXXX, Department of Revenue sent me a bill of {$700.00}, which is supposedly a loan debt, which I did not recognize. In contacted IRS, filled out dispute form, and they fixed issue and told me I no longer owed that amount. I received a loan debt of {$700.00} from XXXX XXXX, XXXX on XX/XX/XXXX, under an account opened in my name. This creditor states that this account was opened XX/XX/XXXX and the original creditor is XXXX XXXX XXXX XXXX. I filed a police report and sent a letter of dispute. Then the debt collector notified me by mail, XX/XX/XXXX, stating that they have ceased collection activities and have closed my account back to the current creditor ( XXXX XXXX ). Then on XX/XX/XXXX, this debt collector sends me another letter stating that I owe {$700.00}, because there is insufficient information to support my claim that this is a fraudulent account. I went through the steps with Federal Trade Commission, set up an account, and filed another police report. On XX/XX/XXXX, I receive another letter from this debt collector saying that I can resolve this account for significantly less than the balance of {$700.00}. They gave me the options of making one payment of 40 % of the balance, making 6 payments of 50 % of the balance, or 18 payments of 60 % of the balance. I refuse to make any payments on an account I didn't even open.
Consumer complaint received 2015-12-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (WA)

On XXXX/XXXX/15 I received a call from us bank they had stated that some authorized transactions were proceeded on my debit card. They asked me to verify myself by giving them my birth date, last XXXX of my social security number, address, full name. So I did and they said they would stop the transactions and send me a new card. Then later that day i received a call from us bank number and they were saying that there were more transactions and they needed my mothers maiden name by then i was thinking how do you need that when they supposedly already turned my card off from last conversation. so i told them no and hung up. I then dialed the bank number back and wanted to talk to someone and so when they picked up and i verified my info i had explained to them everything and they looked and said no one had called me from us bank today. So i then processed to tell them i needed to report fraud my wife and i pulled up online banking and they had charged {$500.00} 3 times to XXXX, {$520.00} 2 times, and 1 time {$560.00} which totaled {$3100.00}. I reported it to my bank and they were shutting my card down and going to send out fraud papers. So later that night we got on the onlline bank again to make sure nothing else happened and they had transferred XXXX to my checking account out of my savings account. I then callled us bank back and told them and they said ya someone called and we thought it sounded fishy so they put a freeze on my account. 4 days later I still did n't receive fraud papers so i called the bank back and they said oh we will get those out today. So we finally recieve them and they had the wrong date of fraud they have XX/XX/2015 and it was XX/XX/2015. so we filled it out and faxed it back right away. days went by and we called and they said our money will be deposited by the XX/XX/2015 at midnight. So we looked XX/XX/XXXX and there wasnt anything deposited. they said our claim was denied and would have a claims adj call us within XXXX to 5 days. So she did and she said it was denied because I gave them my pin number which i didnt. She then replied well our people do n't lie and said there nothing we can do. I asked if i could appeal it and she said no. so i went into a local branch and she called the fraud dept because she did n't understand and the fraud dept rep we talked to there said he would have a supervisor look at our case because he did n't understand it and they would call us within XXXX hrs so we called back after not receiving a call and they said its because of the tapes and they still did n't give our case to a supervisor. so they said they would and get back to us within 48hrs. Its now XXXX/XXXX/15 and it happened on XXXX/XXXX/15. we have gone through the holidays with our account frozen and no debit card. plus our money that is gone.
Consumer complaint received 2022-09-09
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. (NC)

After gaining access my consumer report for review, I noticed some unauthorized information on my consumer report that I needed to be removed under 15 USC 1681-3.Transunion assumed this role w/out my express permission or consent. XXXX did not respect my right to privacy under 15 USC 1681 -4 and they neglected to exercise their grave responsibility. They had no permissible purpose to tamper w/ my consumer reports. They have added fraudulent information that have absolutely nothing to do with me... EVER! I disputed multiple addresses that I never associated with and inquiries that I did not recognize. At this point, they have neglected the duties ( 15 USC 1681 -4 ) that they assumed in publishing inaccurate and unverifiable information after they were notified of the disputes. 

The following was all removed from XXXX and I expect the same resolve. 

The ONLY current & identifying information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All other variances need to be removed The following accounts XXXX  XXXX - Acct # XXXX Bal {$950.00} - Has been removed by XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Bal {$1900.00} - Removed by XXXX XXXX XXXX - Acct # XXXX -Bal $ XXXX Removed by XXXX XXXX XXXX - Acct # XXXX Bal- {$4800.00} - Removed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} - Removed by XXXX
Consumer complaint received 2018-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. 

I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. 

I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. 

No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As I reviewed my recent report, I have found some erroneous information 's reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to TransUnion to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items :
Consumer complaint received 2018-09-17
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)

Hard Inquiry This account shows on my Equifax. This account is not a legitimate inquiry. Nor do I have an account with them. I have contacted both the company and the Bureau. The creditor never responded and neither did Equifax. Equifax is not reporting accurate information and is stopping me from getting a Business loan. 


XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-31
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. (MI)

As I reviewed my recent report, I have found some erroneous information 's reporting on my Experian Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Experian to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$4700.00}
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened an account on line, a HSBC Premier Checking and Savings Account. I received the welcome letter, I received all the forms and documents in them mail, I've created and registered online security, etc. I have done EVERYTHING asked to prove who I am, etc. I was provided account and routing numbers. I have set up direct deposit. I even completed a mobile deposit via the banks app, now all of a sudden the bank has locked my account and will not allow me to access my funds. The bank is holding my {$5500.00} and will not let me access the funds via ATM or branch nor will they allow me to close my account to get my funds to go to another bank. This has been the MOST ridiculous side show experience opening up an account. HSBC representatives do not give two cares about you as a consumer. They are not being transparent. I keep getting the run around and barely understand their representatives. If you are not able to make mobile deposits or bank deposits what's the poinXXXX of having a checking account if you can't put money into it other than direct deposit
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Service Bureau Inc (KS)

RECEIVED NOTICE OF SUMMONS & APPEAL TO APPEAR AT XXXX XXXX COURT ON XX/XX/18 AT A RESIDENCE WE HAVE NOT LIVED AT FOR NEARLY 3 YEARS, CALLED DEBT COLLECTOR ASKED TO VERIFY DEBT, WAS TOLD THAT THEY HAD SENT VERIFICATION OF DEBT IN XXXX, RESPONDED THAT I HAD NEVER RECEIVED VERIFICATION OF DEBT, ASKED IF THEY HAD LEFT CONTACT INFO REGARDING DEBT FOR MY WIFE WHOSE DEBT THEY ALLEGE IT IS WAS TOLD THEY HAD NOT ( PHONE CALLS, VOICEMAIL, LETTERS ETC. )
Consumer complaint received 2021-10-04
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. (WA)

On XX/XX/2021 I checked my credit report and found a collection account reported from XXXX & XXXX XXXX for a pay day loan in {$250.00} placed under my information. This does not belong to me and I haven't had any pay day loans and therefore needs to be removed off my credit report. 
I've called them and they refuse to provide any information.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXX XX/XX/XXXX, XXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with XXXX with 2 bureaus but they've reported it as 48 months with XXXX and XXXX. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( XXXX XXXX XXXX ) and reports as {$11000.00} to experian. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late
Consumer complaint received 2018-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (WA)

Citi attempted to bill my full balance ( not the amount due XXXX to my bank account, resulting in 3 overdraft fees of {$30.00} each, so {$90.00} in fees. Citi additionally charged interest and additional fees to my account, which have already been refunded. I am seeking reimbursement for the fees resulting from their multiple, incorrect, and unauthorized charges. I have already spent several hours on multiple phone calls attempting to resolve this issue. Citi sent me a letter on XX/XX/2018 requesting documentation, but no address to send it to. I am providing that documentation.
Consumer complaint received 2018-01-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

I am out of work and was unable to pay my equity loan payments for more than 6 months in XXXX. My loans went into default and my first lien holder, XXXX, put my home into foreclosure. In XX/XX/XXXX I was able to get a one-time lump sum payment of my pension, one year early and take the necessary funds to pay the arrears and continue to pay, and to reinstate my mortgage. Citibank, is the second lien holder and the Equity line mortgage in question is with them. They chose to put my loan into recovery and I was told that no further interest, late charges or XXXX 's would be issued and that I should pay every month directly to the Recovery department, which I did on XX/XX/XXXX. I paid them {$1000.00}. ( My regular payments were {$520.00} ). I paid it through my checking account bank bill pay ( not with Citi ) and they issued a check and sent it on XX/XX/XXXX. The payee and address indicated on the check is the address and payee that a Citibank employee gave me on XX/XX/XXXX in order to make the payment. On XX/XX/XXXX, I received an email from XXXX that my credit card balance was a credit balance of {$990.00}. the {$1000.00} I had sent to pay my Recovery loan was credited to my Credit Card with Citi. In addition, I am now getting letters from CitiMortgage that my loan is in arrears, that I can now have mortgage assistance. When I called them to tell them that the loan is in recovery, their response is to ignore the letters. Yesterday, XX/XX/XXXX, I received yet another letter stating that my request for mortgage assistance has been received and that I need to supply the necessary income documentation to receive assistance. On XX/XX/XXXX, I sent a fax to the Recovery Dept with all the information including a letter of explanation, a copy of my Credit Card statement showing the {$1000.00} posting and the proof of payment details from my checking account ( not with Citi ) showing the details of the check sent to Citi. As of the date of this complaint, nothing has been done to correct the error. My next payment is due in XX/XX/XXXX and I will have to make the payment by calling Recovery directed and having them debit my checking with another bank by electronic check. The Mortgage Dept continues to send me letters and one Dept apparently is not communicating with the other. I have told Citi Mortgage that if they continue to send me letters stating that will assist me with my mortgage, I will contract a lawyer and force them to comply with that offer. I also notified them that this complaint was forthcoming. I spoke to no less than 4 people at CitiXXXX ID # XXXX, XXXX ID # XXXX XXXX ID # XXXX and XXXX XXXX ID # XXXX. It takes numerous attempts to call them since my loan can not be looked up by loan number and I only had an extension number for XXXX as she is my Mortgage specialist in charge of offering me mortgage assistance. I have had to make no less than 10 calls to try and resolve these matters.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with XXXX with 2 bureaus but they've reported it as 48 months with Transunion and XXXX. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( XXXX XXXX Transunion ) and reports as {$11000.00} to XXXX. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late
Consumer complaint received 2021-07-02
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. (NY)

I spoke with XXXX  today and they told me that they dont need proof or my signature or any documents to report negative or any inaccuracies. Pursuant to 15 USC 1681 and Title 15 chapter 94 XXXX, Transunion and XXXX are in violation of my rights and my privacy. I did not give any of these reporting agencies any permissions at all. I feel violated and stripped of my rights.