davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I have a home mortgage with ocwen loan services llc. I make my payments with no problems they are always on time and even early. they keep sending my payments back and not any reason with it. now i have received notice telling me i am 351 days past due and threatening to take my home away. i have all my checks that have been sent out. my husband is a XXXX XXXX veteran who has passed away. i maintain all payments for the estate of my husband. i have had help from other friends and been told this company is XXXX that is into stealing seniors homes by not taking their payments to force a foreclosure on the home. as a XXXX veterans wife i feel that i should be able to get help quickly before they force me out on to the street. i am XXXX yrs old and have several XXXX issues and can not keep going through this stress i am also contacting the governor of Florida for his support in this matter. please can you help me to save my home.
Consumer complaint received 2022-02-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (TX)

Needed to order some merchandise from XXXX. Placed the order, but the product never got delivered. I even called XXXX and they determined that the product was stolen. I advised XXXX that the deliver driver left my back gate open and someone walked in and took the package. I have been back and forth between XXXX and Citi CC and again for the 10th million time i am submitting a complaint. And also my card got comprised, I got a text stating that someone was trying to use my CC at a foot locked for the amount of {$470.00}. on XX/XX/2017. Which that was not even me. The only thing this card has valid is a XXXX dollars charge from XXXX. Which I will be moving to my other CC soon. This card has been the worst to deal with. CITI CC also stated that they sent a replacement, WHICH I NEVER GOT!!! I just want my Money back.
Consumer complaint received 2023-04-03
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (PA)

I was granted funds from PA XXXX intended to pay my mortgage through XX/XX/XXXX as stated in the email I received from XXXX. My mortgage company is stating that the loan was only paid through XX/XX/XXXX in their response to my last complaint. Where are the rest of the funds? They need to fix this issue.
Consumer complaint received 2017-01-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Centron Services (OR)

I was told I was on a payment plan, theres about XXXX or XXXX of thiese medical charges., but I have been XXXX all my life, currently pending SSI, alot of these debts are over XXXX years old and I have no income to pay it back starting back passed 2011 which is under law have to be removed from my credit history
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

On XXXX XXXX 2016 I sent in my monthly payment for XXXX 2016 in the amount of {$3400.00}. Ocwen received that payment on XXXX XXXX 2016 at XXXX. In the form of check # XXXX which breaks down as follows : ( 1 ) {$1100.00} for the regular monthly mortgage payment, and ( 2 ) A extra {$2300.00} to be applied to the principal. I had clearly stated this as you can see on my monthly mortgage coupon and at the bottom of my check. Ocwen failed again to apply my funds correctly. Ocwen applied ALL of my check to only the principal and nothing to the monthly mortgage payment. Since they did this my account still shows that I owe a payment for XXXX 2016. This is not correct. I am a month ahead on my mortgage payments.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

On XX/XX/2024, 141 XXXX XXXX transactions in the total amount of {$800.00} were made, unauthorized on my Chime checking account. I called a filed a claim disputing the charges on XX/XX/2024. The very next day XX/XX/2024, I received an email from Chime stating that after investigating the charges they found no errors made and denied my claim. I called that same day to inquire as to why the claim was denied and Chime told me that I would have to wait to receive the results of the investigation within 10 days to find out why the Claim was denied and that I had to request those documents. No one else could tell me even though I was talking to the disputes department. On XX/XX/2024, I called again to speak to a supervisor about the claim. The supervisor filed a rebuttal claim to reopen the claim they denied including my recent XXXX XXXX  transactions, at which the supervisor requested I send them. The supervisor also filed another request for the investigation results documentation. Since that time I have not received any information about the rebuttal claim I filed. On XX/XX/2024 I received an email from Chime that listed the transactions from my claim dispute, the intake questions and the documents I upload to them. There was no information in the email of an actual investigation. On XX/XX/2024 I called again to check the status of my rebuttal claim results and I was told that the claim was denied again that in order for them reopen the claim again is if I sent in more documents pertaining to the unauthorized charges. I ask what kind of documents did they need because I had already given all the documents I had. The Chime representative could not tell me what else they needed and that there was nothing else he could do for me.
Consumer complaint received 2021-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneyLion Inc. (RI)

I signed up to receive a {$250.00} cash advance from MoneyLion aka XXXX aka XXXXrequired access to banking account information and signing into account via their portal. Granted third party access. Discrepancies for accounts owe and received. Requested {$250.00}, required transfer to XXXX account, transferred to bank, agreeing to pay {$4.00} each time to have it within minutes. Only received {$50.00} and I am unable to cancel my subscription and refusal to rectify. Possibly a data breach and has my social security number, bank login access, worried about credit report and fraud.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Since XX/XX/2013 I have had constantly fight with XXXX, Equifax , & XXXXn to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices
Consumer complaint received 2022-02-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-08-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was scammed by an individual who was offering me employment, and sent me what later turned out to be a fraudulent check for equipment purchasing. Equipment that I would be using for the job he offered me. I deposited the check in my Bank of America Checking Account at the counter. There was a hold placed on the check for 4 days. So I notified my " employer '' that I would n't be able to purchase the equipment until the check cleared. One day before the end of the hold, I attempted to login to my online banking through my phone. It said that online banking was n't available to me. So I called the help line provided, only to discover that my online banking had been closed by order of the risk department. I asked to be transferred over. After being transferred to the risk department I was asked to give my social, name, phone number, and passport number or my account number. Finally, they told me that all my accounts were in the process of being closed. They told me that the reason for this is that I had deposited a fraudulent check. I asked if there was aything I could do, and the only thing they said was that I could write a letter to some PO Box in Florida. So with no prior notification or communication of any of the issues plaguing my account, they decided to close it. I did not even merit an email saying that they would be closing my account. My issue is that I was n't even notified of any fraudulent activity nor was I notified that they were closing my account.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX* Balance : {$0.00}
Consumer complaint received 2021-10-03
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. (PA)

Please help me with these accounts that are destroying my life. I am a victim of identity theft and when I was XXXX my identity was destroyed and when I came back I been fighting for my identity still to this day with the country I fought to protect for the last 20 years. I was asked to get a police report and a ftc report I obtain both and just seek some help on trying to build my new life back as a retired vet. thanks again
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (OH)

Mohela is my current loan servicer. They are reporting on my credit report that I was 90-120 days delinquent in XX/XX/XXXX-XX/XX/XXXX. I contacted Mohela and they indicated that it was transferred over delinquent from XXXX loan servicing. I know that I have never been late. They said to call XXXX. I called XXXX they have no record of servicing my loan since XX/XX/XXXX. XXXX said to call XXXX XXXX, XXXX XXXX has n't serviced since XX/XX/XXXX. I called XXXX and XXXX and nobody has serviced this loan since I consolidated XX/XX/XXXX. I have called the student loan servicing help line, the nslds.org, website and assistance number, and the student loan support center XXXX. Nobody is able to provide this information, nor do they show any delinquencies. I am unable to verify the information provided, and XXXX is unwilling to verify the information that they received when transferred over. If they are reporting on my credit report based on information received from a previous provider than that appears to be faulty. I am asking that Mohela verify the information that they received when the account was transferred and/or correct my credit report as required by the FCRA ; and therefore it is a violation of the Fair Credit Reporting Act.. Per Mohela my account was transferred over delinquent in XX/XX/XXXX ; and continue to base their reporting off of inadequate and unconfirmed information and due to this violation I am requesting my credit report be updated as required by law.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2019-02-25
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)

Since XX/XX/2013 I have had constantly fight with XXXX, XXXX  , & TransUnion to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One, XXXX. Box XXXX, XXXX XXXX XXXX UT XXXX I pulled my credit report and it showed a hard inquiry from Capital One. I contacted Capital One back in XXXX and they advised it was definitely fraud and they would forward a letter to the credit bureau to advise of the error and it would take approx. 90 days to resolve. I called after the 90 days and the issue still and the issue has still not been resolved. I phoned Capital One again and they advised I would need to provide a copy of the credit report! I asked why as they admit it was fraud and it was on their end. 

I need assistance getting this hard inquiry removed.
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have been employed with a government entity since XX/XX/XXXX. In XX/XX/XXXX, I received notification from XXXX XXXX that 74 qualifying payments, 46 remaining payments, and that my estimated eligibility for loan forgiveness was XX/XX/XXXX. This information was consistent with information I had received up until this point. 

Then, out of the blue, My XXXX sent me a letter dated XX/XX/XXXX, changing my qualifying payments for my XXXX XXXX XXXX XXXX and my XXXX XXXX   XXXX XXXX. Now these XXXX loans had different number of qualifying payments. My XXXX XXXX XXXX XXXX had only 54 qualifying payments, and my XXXX   XXXX XXXX XXXX had 74 qualifying payments. I immediately contact XXXX XXXX for an explanation of the differing qualifying payments. They indicated they would do a recount. Its been over 1 year and the issue is still not resolved. 

The loans are consolidated. There is no reason that the subsidized loan and the unsubsidized loan should have a different number of qualifying payments. 

It is now XX/XX/XXXX. My subsidized loan has 67 qualifying payments. My unsubsidized loan has 87 qualifying payments. My XXXX needs to get this fixed so that it is resolved by XX/XX/XXXX, my date of PSLF forgiveness eligibility.
Consumer complaint received 2015-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MD)

I disputed XXXX XXXX XXXX XXXX XXXX accounts back in XXXX 2015 and those accounts were removed from my Experian credit XXXX 2015. As of today they are appearing on my report after a long investigation.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (DE)

I used my Citi XXXX to order XXXX XXXX XXXX tickets from XXXX to XXXX XXXX ( {$190.00} each ) and XXXX tickets from XXXX to XXXX ( {$290.00} each ) on XXXX 2016. A few days later, after logging to my Citi online account management and seeing transactions with descriptions of " XXXX '' and " XXXX '', I mistakenly thought that they were fraud charges. I called Citi 's customer service XXXX XXXX XXXX, and asked to dispute these charges. 

During the same phone conversation, I realized that those were the transactions for my XXXX XXXX purchase, so I told the Citi representative to stop the dispute. The Citi representative said " Ok, although I had requested the disputes, I will reverse the disputes ''. Over the phone, the Citi representative said that he has completed the procedures to reverse the disputes and told me that everything has been taken care of. 

After a few days, I logged in to my Citi online account again to confirm the reversal of the disputes, and saw the XXXX original transactions for the airline ticket purchases, the XXXX disputes to dispute those charges, and the XXXX reversals for those disputes. All of these transactions ( XXXX line items ) were dated XXXX XXXX, 2016. 

On XXXX XXXX, we flew to XXXX from XXXX without any issues. However, on XXXX XXXX, when we arrived at XXXX airport, we were told by the airport staff that we did n't have any tickets to fly back to XXXX. So we called XXXX XXXX and they told us that Citi had canceled and refunded those XXXX airline tickets from XXXX to XXXX. Therefore, we had no choice but to purchase XXXX new tickets for total of {$1200.00}. 

When we came back home, we called Citi 's customer service ( XXXX ) numerous times, and every time, they tried to deny any wrongdoing. They claimed that it was XXXX XXXX who made the mistake. We called XXXX XXXX several times, and they told us that Citi requested cancellation of the XXXX tickets and the refund. They showed us the online record of the ticket refund ( however, the refund has never shown on my credit account ). 

In my last call to Citi 's customer service, they firmly told me that they have done nothing wrong and they will not honor my request to refund my original ticket purchasing cost ( {$580.00} ) and will not pay the extra cost occurred for our flights from XXXX to XXXX, which is {$670.00}. 

During my calls to Citi and XXXX XXXX, it is clear to me that Citi did request disputes on all XXXX tickets but only successfully reversed XXXX of the XXXX disputes. Therefore, it is 100 % of their mistake, and they should be responsible for all the consequences. However, Citi continues to deny any wrong doing and would not refund my original ticket purchasing cost ( {$580.00} ) nor pay the extra cost ( {$670.00} ) incurred with our new flights from XXXX to XXXX.
Consumer complaint received 2015-10-15
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: VW Credit, Inc (FL)

I pay by phone on the 1st of each month {$260.00} in XXXX pay by phone I must have push XXXX not XXXX I did n't find out until the next month when I was told to pay {$360.00}. I contacted VW credit they informed me I paid {$160.00} last month and now I am 32 days late for {$100.00} and reported to credit union. They reported {$260.00} late not {$100.00}. This is a mistake anyone could make. I knew about this 2 days to late to rectify.
Consumer complaint received 2021-09-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

RE : XXXX XXXX XXXX Over thirty days ago, I wrote to Credit Bureau company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that that negative information from my account has been removed.