davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

In a nut shell, Ocwen has failed to apply payments and maintain accurate account balances ( which is what the Feds sued them for ... .its still continues to happen ). They charged an exorbitant amount of unauthorized fees for appraisals. They also refuse to give us a copy of our appraisal. Per ECOA by Dodd Frank Wall Street Reform and Consumer Protection Act of 2010 the lender is REQUIRED to send us a copy of our full appraisal. After more than a half dozen requests and having our attorney write a letter they still refuse to send us a copy of our appraisal. They also applied our first XXXX mortgage payments to our account and then reversed one of them out thus NOT GIVING US CREDIT. Our mortgage payment has gone up {$700.00} a month over the last XXXX years. They claim due to escrow impounds, although we were assured that all of our past taxes would be incorporated into our loan. We were very cleat why we needed the modification and now we find our monthly payment is {$1000.00} more a month than when we needed the modification to begin with. We are n't sure how much longer we can hold on. I 'm sure that was XXXX plan all along. I asked that my attorney be added as Power of Attorney and it took XXXX year for them to add him yet they still will not speak with him. How is any of this legal? Esp. after they were sued by the Feds and lost for these same business practices? We were absorbed from Litton loan when Ocwen took over their loans. We also had no idea that they were being sued as we made our first loan payment to them. Upon the research I 've done recently it appears that XXXX years after they lost they still continue to conduct business in a way that landed them in court to begin with. Now we risk losing our home again since the payment is nearly {$4500.00} a month. We need help from someone that will read this and see that they are still breaking the law and do something about it.
Consumer complaint received 2016-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: URS Holding, LLC (MI)

Enterprise Recovery Systems out of IL contacted a coworker at my place of business. 

This is from an IM of that conversation : " XXXX XXXX [ XXXX ] : Hello, I have XXXX from Enterprise Recovery Systems Incorporated calling asking for you, are you available? 
XXXX XXXX [ XXXX ] : She is no longer on the line, I sent her to your voicemail. I also got contact infotmation for her. 
She can be contacted at XXXX Option 1. Ext # XXXX '' I contacted XXXX and she said the only way I could verify my identity was to provide her my SSN. I refused and she mentioned that the calls to my employer may not stop till I provide my SSN. I spoke with her supervisor and she said that I need to give them my SSN. Ultimately, I said no and she hung up on me. 

Companies should not call and ask for SSN and other companies should not give that information away. They would not tell me anything about the debt till they got my SSN. They should not have my SSN. Companies should not give SSN 's to mom and pop debt collectors that could not tell me they are keeping that information safe!
Consumer complaint received 2024-03-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

The Dillard 's WF credit was opened on XX/XX/XXXXI lost the card and didn't have possession of it and noticed there was unauthorized transitions that I did not authorize totaling my balance to {$2000.00}. I have reached out to the company to advise them that the transactions made on the account were not authorized by me. Dillard 's penalized me reporting the following to credit companies ; the account to collections on XX/XX/XXXX, reporting 30 days on XX/XX/XXXX and closed XX/XX/XXXX. Every month I am being penalized with the balance and the credit wrong reporting 's that are inaccurate in all measures.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2016-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (FL)

Due to financial difficulties as a single mother, I had asked for a forbearance on my student loans years ago and was told ok. This was many years ago, I ca n't remember what year - XXXX, maybe. I had not heard anything from any agency. No one called my work or home. Now it 's XXXX, two weeks ago, XXXX XXXX started calling my employer about a wage garnishment. They were harassing me at work. I had no idea XXXX XXXX had my student loan. I thought it was a scam. Last week, I called the US Dept of Education and they could only tell me my student loan had been transferred to XXXX. They could n't tell me anything else about my loan. I never received any paperwork to that effect. I called the XXXX and was told my student loan was in default and had been taken for collection by XXXX XXXX. I never received any paperwork notifying me or giving me the chance to make payments on my loan. Now XXXX XXXX is garnishing my wages with an amount that I can not afford to pay. XXXX XXXX was rude and threatening and called continuously at my employer. I also felt that they gave out private information to my employer that they should not have done.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (MN)

I have disputed with all XXXX credit reporting agencies, I have over 7 year old accts they will not remove. I have a collection that all but XXXX agency ( XXXX ) will not remove. 
None will provide me with full account numbers proving they belong to me.
Consumer complaint received 2024-03-09
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: BLINCLOANS, INC. (OH)

I BEEN WANTING TO SPEAK TO THE CEO OR SUPERVISOR.My account is paid in full and closed, for Blinc loan XXXX however its showing Im still 30 days past due for XXXX  2023. I am not understanding why Im showing 30 days past due when I paid the loan off. I feel very violated and wrongful of this on my XXXX report. I am not understanding why this company keep reporting negative information. Im going to the police to make a report and will be getting my lawyer involved There is no way I should still be showing late on my credit report of the account is closed and there is no balance! How Im 30 days late if there is no balance? WHY IS IT STILL SHOWING LATE FOR 2023 XXXX I paid the balance! I am getting the police involved!
Consumer complaint received 2022-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX  # 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 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$40000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$40000.00} -This is not my account.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (WA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

I made a deposit of XXXX funds on XXXX/XXXX/16. When the initial hold was placed it was until XXXX/XXXX/16. Then it changed to XXXX/XXXX/16, making it 31 business days instead of 30 but I considered the holiday and did not complain. It has now been extended to XXXX/XXXX/16. This is ridiculous! The funds were withdrawn from my XXXX account weeks ago and the supporting documentation was faxed to their XXXX office and instead of releasing the funds they extended the hold.
Consumer complaint received 2015-03-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

My husband and i financed a XXXX Honda accord we were able to payoff the loan early this loan has been paid in full since 2013 we paid a fee for the title of XXXX when we received the letter of release and the title we noticed the title still has a lien holder listed on it. after speaking to Honda financial several times we were told we had to pay the XXXX again to have the lien holder name removed. we feel if we already paid XXXX for a title why should we pay a second time especially considering they made the mistake with a lien holder still being on the title
Consumer complaint received 2022-09-06
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I 'm recently divorced I 've been requesting a mortgage modification with the mortgage company Select Port Folio. they are in the process of reviewing the mortgage for the modification. I received a property foreclosure notice for XX/XX/2016 while my loan is under review..
Consumer complaint received 2015-12-17
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Simple Loans (CA)

My insurance company have issued check for car repairs Two party check. Repair shop did not repair the car. 
But have take the check to check cashing forged my signiture and cashed the check. I have been not present at time of the transaction either I have authorized to cashe the check. The check cashing have not obtained any ID verification or contacted me as one of the parties named on the check. Check cashing have cashed the check using my name under my name/customer account. Check cashing have committed conspiracy to fraud and forgery. Check cashing have been refusing to provide the documents related to the frauduntly transaction. According to statment from witness the check. The individuals who cashed the check frauduntly have connection to the check cashing employes. So they have done a fabet and cashed the check.
Consumer complaint received 2022-02-28
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. (MO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed information on the following accounts to Trans-Union Account Resolution- XXXX XXXX XXXX XXXX XXXX XXXX stated that they verified the information as verified and on the company response received by Consumer Financial Protection Bureau that they did not have any validation on the following accounts.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I had sent a certified letter, dated XXXX/XXXX/16, to Transunion requesting information about a lien that was showing under public filings. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX has found information on previously stated Tax Lien 's through third party research. 

I had asked that Transunion please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

I also had received a letter from a government agency, based on my inquiry, stating that they do not report this information directly to the credit bureaus.
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WASHINGTON FEDERAL BANK (NV)

My debit card was stolen along with my ID and information related to a former vehicle I had. A charge was made for nearly {$1200.00} by merchant " ewing bros ''. I went to the bank and submitted a dispute through them as fraud charge. The bank sends me a letter refusing to honor my claim since the merchant was able to respond. The bank did not provide me with a way to dispute The documentation submitted by the merchant unlike most banks. The bank also refused to activate a new debit card in the mail which they sent me. I feel as if the bank is ignoring me and disregarding me as a customer for some merchant who is local.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I monitor my credit report through XXXX XXXX and I receive an alert if there is a change indicated on my credit report. On XXXX/XXXX/XXXX a company named XXXX XXXX XXXX. XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX placd a collection onto my report XXXX XXXX XXXX in which has been sold to several different companies and also previously removed from my report on the following dates, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My XXXX XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XXXX, TransUnion will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with zero balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion is no longer reporting a XXXX credit card that was once reporting on my credit report. As per TransUnion, I filed a dispute asking to update my new credit card balance because the amount being reporting was incorrect. TransUnion stated that XXXX had approximately 30 days to reply back to them to verify this information. According to TransUnion they did not receive this information and deleted the XXXX credit card account which was reporting positively prior to deletion. I contacted XXXX and filled out a XXXX form to have the creditor submit verification to TransUnion. TransUnion received the documentation from XXXX and stated that it could not accept a hard-copy confirming the accounts information and specified that a XXXX representative would have to contact their marketing department via phone or the company must re-transmit the information electronically. As per XXXX, the credit card account is still being reported electronically to date but the account is not reporting on TransUnion report. Despite my efforts to contact TransUnion directly, in addition to providing documentation they still are not reporting this information which is severely impacting my credit
Consumer complaint received 2015-09-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (TN)

I received this letter from National Credit Adjusters informing that I owe them a debt. To my knowledge I have never entered into a contract agreement with them or the company they claim they represent. This company is violating XXXX statues of the FDCPA. statue 807 ( 9 ), ( 10 ) misrepresenting affiliation and deception and 812 ( 1962j ) furnishing deceptive forms. Within National Credit 's claim they state, '' NCA is not collecting for XXXX XXXX. '' and them also within the letter this debt collector states that they have been contracted by XXXX XXXX to collect the about referenced account. This statement is a violation of the FDCPA and the above statues mentioned as it was intended to confuse me but upon further research I have determined that both XXXX XXXX and NCA both occupy the same office. I do not owe either of these companies anything. I have never signed a contract with either of them