davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Self Financial Inc. (CO)

This situation has caused me so much stress, especially during these hard time during covid-19 finding out my family member has covid and having trouble with the medical bills has impacted my life and when I signed up for the self secure credit card and put down a secure deposit to be able to help with my consumer credit score. I really believed that self lender had the consumer best interest in mind instead of there own selfish interest in this transaction. they closed the account with out allowing me to set up any type of payment arrangement and on top of that they are attempting to charge interest and fees during this time of hardship and this situation has caused even more distress on my mental and financial Self is suppose to mail back my deposit since they closed the account but didn't have any procedures to help me out with this situation at all. according to the FDCPA 15 usc 1692h : If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

According to the FDCPA a debt collector is whom regularly collects, or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due to another.

Since I wasn't loaned any money Self is a debt collector and you are violating the FDCPA by not directing my payments in accordance to my direction.

Self stated that they will not follow the law.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PAID IN FULL, INC. (AZ)

I was an XXXX, ( XXXX ). Under the corporation, we leased an office. We closed the doors on the corporation a few years later due to the economy crash. We held on as long as we could but ultimately had to close up shop. The corporation had a balance left on the building lease and leasing company decided to send it to collections under my personal credit file. We opened the lease under the umbrella of the corporation and my personal credit should not have been damaged. " Paid in Full collection agency '' is the name of the collection agency coming after me for the corporate debt.
Consumer complaint received 2017-02-21
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing used its cozy relationship w/ XXXX as a weapon to threaten me, that if I did n't sign the pretender lender loan servicers {$750000.00} loan modification they would proceed w/ fraudulent trustee sale and kiss my home goodbye. I signed the fraudulent {$750000.00} loan modification under duress w/ fear of Ocwen throwing my children in the streets. Ocwen is using fraudulent foreclosures. I own my home free and clear. Ocwen scums threatened me that if I do n't pay them over {$200000.00} more then the {$550000.00} Option One Mortgage loan that was paid off over 10 years ago they would instruct is cozy buddy XXXX to proceed with the fraudulent trustee sale. I signed the fraudulent loan modification with fear, XXXX continued to have a active trustee sale months after I signed the modification under duress, the harassment, threats and people banging on my door continued for months. Emails attached.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CT)

This complaint is against Ocwen Loan Servicing. 

I have been overcharging by escrow, my annual XXXX City tax assessment {$3400.00}, and Ocwen was charging {$400.00} together with my Mortgage, it totals {$4800.00}, there were {$1300.00} overpaid every year. 

I made a complaint with Connecticut Attorney General already and they advised me report to your agency also. 

On XXXX XXXX Ocwen was already ready to increase my escrow charging {$450.00} every month, that makes {$5400.00}, so I cancelled, my escrow and decided to pay my taxes myself starting XXXX XXXX. 

But on XXXX I received a letter from City of XXXX, stating on an unpaid tax assessment date XXXX/XXXX/XXXX and the due date XXXX/XXXX/XXXX. 

When I reported to the CT General Attorney, they replied that, I had to pay, since I had no escrow anymore, but this letter is from XXXX and not XXXX, the due date is XXXX, but was from XXXX. 

What did they do wit the money they collected from me? 

This is an unfair practice, and Ocwen is raising every excused to cover their mistake, and XXXX Home Owners in the United States, are about to lose their homes because of these scams.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (FL)

RoundPoint Mortgage ( RPM ) : Loan nr. XXXX - PMI removal Dear Sir : I got That mortgage about 3 years ago, the purchase price of my house at : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX was back then {$450000.00} Since the market lows back then, Florida Real Estate market has been on fire, adding average of 5 % annually in property values. 
Due to that my intention was to contact you and request the removal of PMI since my LTV went down to 78 % : Balance {$350000.00} : purchase price {$450000.00} & gt ; 78 % I was advised that RoundPoint Mortgage was not able to use a purchase price and new appraisal was needed. Cost {$400.00}. 
Since the cost of that would be recouped in only 2 months of PMI payment, I decided to go forward. 
I was sure my house would appraise easily at $ XXXX or more since listings for identical homes on my street show {$590000.00} range. 
You can imagine my disbelieve when I received from RPM an attached letter stating that my request to remove PMI was denied. 
Reason : LTV shows 86.56 % WHAT?! 
It did not make any sense. I called and after long hold I was advised that appraisal came in with the value of {$410000.00} ... .which Is $ XXXX less comparing to what I paid for this house 3 years ago ... Insane. Market was going thru the roof over the last 3 years! 
I looked up this particular Appraiser XXXX on the internet, and all the reviews where so negative, I have no idea how RPM can use such incompetent company. Example : " Avoid this appraisal company, if possible. I read a bad review about them before they did my appraisal. I gave them the benefit of the doubt, but they did the same thing to me. {$30000.00} below the actual value of my home. Immediately request another appraisal company before it 's too late. '' I had a funny feeling when the gentleman showed up in the car displaying " BUYING HOMES FOR CASH '' So this was his main business, he runs appraisals to show low prices and then buy homes for cash ... nice. 
They apparently combine for averages foreclosed homes values, use old data to come up with the lowest possible price totally disconnected from reality. Their business is to buy homes for CASH! Here are few insane points of that appraisal : House that sold for $ XXXX had a pool, still smaller by XXXX sq. feet than our house, pool is worth maybe $ XXXX. $ XXXX higher than mine? 

This is just to show you their incompetence. I have no intention to pay {$400.00} for such bunch of baloney. 
I decided to give RPM the chance to correct that problem and remove my PMI and/or arrange another appraiser that is competent and fair. I called and emailed them, nobody every cared to call me back. Instead, I got today another letter showing they decided to transfer my mortgage to another servicer ( to put an and to my PMI removal affair I am sure ) I hope we can come to some resolution as I know for sure my LTV warrants removal of PMI at this point. 

Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

2 Reason : The hotel ( XXXXXXXX XXXX XXXXXXXX ) incorrectly charged my USAA credit card ending in XXXX. Unfortunately, my apartment unit was destroyed causing me to be displaced to this hotel temporarily from XX/XX/XXXX to XX/XX/XXXX. 
This stay was approved by USAA XXXXlaims service department. 
However, the hotel continued to charge my USAA credit card after my departure date of XX/XX/XXXX. The dates charged were from XX/XX/XXXX to XX/XX/XXXX amounting to {$2500.00}. 
I spoke with many staff members about the dispute of these charges, while each promising they will reverse the charges, look into it, or reach back out to me. 
Finally, on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX responded via email stating, I did contact our offices and given the time span of the reservation in question, the suggestion would be to go through the dispute process to try and find a resolve. 
I responded to XXXX XXXX requesting for assistance to dispute and received no response.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (IN)

Hello, Im XXXX XXXX. I have a PNC SmartAccess Prepaid Card Account. I have serval charges to my account dating back to XX/XX/2021. In XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021 I have serval transactions adding up to around XXXX & XXXX ( XXXX )!! 
I disputed almost all of these transaction and I canceled my card because these transaction were not authorized by me. I believe someone had all my card info, it wouldnt be hard for someone to make unauthorized transactions with PNC Smart Access Account because everything needed to make a purchase is right on the card. The only info you need to make a purchase with my prepaid card that is not actually on the prepaid card is my billing Zip Code or address and if it was someone I know that stole my card info then they know my address & could make any transactions/purchases! I know I didnt make these fraudulent transactions and I dont understand why my disputes were denied, with whats going on in the world today I definitely need my money back!!! And whats the point in having FDIC insurance if I cant get money back that was technically stolen from me?!? 
Thanks in advance I really hope something can/will be done about my money!
Consumer complaint received 2020-07-14
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 recived a response from you on XX/XX/2020 and on the XX/XX/XXXX. 
Theres only one way for you to see if its me doing this. 
Id like to serve you how ever you sent me a po box
Consumer complaint received 2016-05-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (SC)

XXXX XXXX, I contacted the Ocwen Consumer Ombudsman Department regarding the date of last payment for XXXX accounts XXXX and XXXX and requested full statements for these accounts. Ocwen sent me the requested information which reflected a last payment in XXXX, XXXX. I immediately forwarded these documents to the XXXX major CRA 's for deletion due to the 7 year statue of limitations ( XXXX, XXXX and XXXX ). The credit reporting agencies could not accept these due to these documents passed through a 3rd party ( me ) and the possibility of omission or alteration, which I can understand. I contacted Ocwen and made a request that they send the paper statements directly to XXXX, XXXX and XXXX ( under the advice of the CRA 's ). Ocwen stated that they communicate with the CRA 's only electronically. I stated to Ocwen that what they report electronically and the paper statements are different. Ocwen responded that they refuse to send paper statements to the CRA 's.
Consumer complaint received 2021-06-04
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: AES/PHEAA (LA)

I entered a consumer credit transaction with FED LOAN SERV and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that FED LOAN SERV claim I owe. FED LOAN SERV has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (AL)

I keep getting calls from Convergent a debt collector about a past due bill with XXXX. I do have services with XXXX, but my account with them is valid and not late. Now my oldest son opened an account with XXXX in my name without my consent and I 'm assuming this is what the delinquent account is for. The amount is for XXXX. My current account number with XXXX cable is XXXX for XXXX where I have reside for the past 14 years and this account has been opened for the past 4 or five years. The XXXX addresses that my son lived at was XXXX, AL XXXX and XXXX, AL XXXX. Again I 'm urging this company through this site that I never lived there nor did I give my son permission to open these accounts in my name.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Fidelity National Financial, Inc (CA)

Several years ago we refinance our home using Fidelity Title Company in XXXX CA, we paid a courier fee of {$75.00} but we did not use them, we picked up our documents directly from them, they said they would refund the money but never did. 
recently there was a lawsuit against them on this very same issue however we have heard no further communication from the law firm or the court on this matter. 
We did communicate to Fidelity but we are not even sure which department to talk to or our reference number or other ID number and this is what they asked for. 
So we like at least our {$75.00} back or the law suite settlement money which ever is greater.
Consumer complaint received 2021-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I HAVE NOW DONE THIS 4 TIMES AND THIS IS NOT ACCEPTABLE BY ANY MEANS!! 

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF and this is the FOURTH complaint I have filed since XX/XX/XXXX due to your delays and claiming you need authorization which I have already clearly given in the past complaints filed! There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was submitted to you on XX/XX/XXXX and I never received any reply. I then sent a 2nd dispute on XX/XX/XXXX ; which still resulted in NO responses from the bureaus! So I sent a 3rd dispute on XX/XX/XXXX. I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is now the 4th complaint I have filed since XX/XX/XXXX because you keep claiming you need authorization which if you see the FIRST line of my complaint, I am clearly giving!
Consumer complaint received 2016-05-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SACOR FINANCIAL, INC (CA)

A judgement was placed against me in 2008 by XXXX XXXX Bank and the debt got sold to Sacor Financial Inc in XXXX, CA. I was never properly served any court documents. Sacor XXXX Inc has levied my bank accounts and collected over {$8000.00} from me. The judgement was for about {$15000.00}. It has been over 8 years since this judgement and they are still harassing and calling me even though I have requested numerous times for them to provide me with the accounting breakdown of what is owed and all documentation retaining to this judgement. I hope that you will be able to guide me and help me resolve this issue.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-02-25
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

PHH in 2013 did not communicate they had not received from their mortgage originator XXXX the automated payment I had set up through online banking. 
As soon as I discovered the missed payment, I paid and set up automated payment so PHH draws directly from my checking account the monthly dues. 
Ever since PHH has represented me in credit reports as late payer and every time I contact them they claim I had a late payment in the last 6 months, while they can not substantiate the claim.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 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 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Incorrect information on my ccredit report. XXXX XXXX is reported as open with a {$33000.00} balance. This information is incorrect. It should be reported as Closed with a balance of zero. It is correctly reported on my XXXX XXXX credit report correctly as closed and XXXX balance. As discharged on my Chapter # XXXX Bankruptcy dated XXXX XXXX, 2015
Consumer complaint received 2019-02-17
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. (GA)

I received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Failed to provide a free credit report in a timely manner, asked for verification of my address that was already in their records and I lived at longer than 6 months and had already been reported by other creditors, once I finally received the report I filled disputes on collections accounts as they are already paid in full. Customer service does n't speak XXXX very well and there seems to be a lack of communication. I also concerned about about my low Fico score I see only XXXX collections everything else is in good standing so how is it that out of XXXX points I 'm only getting the low XXXX as a score a XXXX point difference over XXXX negative accounts..I 've work very hard in the last few months paying outstanding debts and reducing credit utilization on my credit card account at less than 30 % and a furniture account about 50 % none of which are late or ever received a last payment so where 's this score coming from?
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have advised TransUnion on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me, the XXXX ( XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX XXXX ( XXXX  in XXXX XXXX ) account does not belong to me. TransUnion has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.