davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-13
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NY)

lease matured XX/XX/XXXX, had been contacted by dealer prior to and we advised we were in process of buying out. We did not know they do n't inform Hyundai Motor Finance ( HMF ). We got approved for loan through our bank, got insurance binder on XX/XX/XXXX and HMF finally sent payoff statement to bank on XX/XX/XXXX ( after much back and forth ). Included in statement was a security deposit authorization that needed to be signed by a dealer. Dealer refused to sign until they learned more about it as they had never seen it before. Constant back and forth with dealer produced no results or information- they are still waiting to learn about authorization. During this process, car was repossessed. Daily calls with HMF are debilitating as I receive no help. One person said that since security deposit was only {$1.00} and something so small should not be giving me so much trouble, they would send me new pay off letter without security deposit of {$1.00} and increase the pay off amount by {$1.00}. However, that paperwork was stopped by the reinstatement department. I am still trying to get in touch with people to get help. I have no car, our credit will take a huge hit, even though we have documented proof of a good faith effort in trying to obtain a loan to buy out the vehicle and the only reason why this was held up is because of the security deposit authorization and the dealer refusing to sign same.
Consumer complaint received 2017-03-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I had a mortgage loan with Ditech Financial. On XXXX Ditech reported paying the county tax collector {$13000.00} even though my yearly tax payment is {$6400.00}. This left my escrow account negative for over a year. I called the county to have the incorrect payment refunded to my escrow account at which time they informed me that Ditech never actually made the payment. I spoke to the Ditech tax department about this and requested a proof of payment. They informed me they will investigate the matter and have yet to provide any proof of payment or investigation results. It has been over 6 months. Ditech has essentially taken {$13000.00} from me in a fraudulent tax payment scheme. Please help.
Consumer complaint received 2022-02-15
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. (FL)

I would like to request for the removal of the erroneous information about my accounts that has been neglected by TransUnion Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports :
Consumer complaint received 2016-11-23
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

I used my American Express card the number is a gift card XXXX the CVV # is XXXX I called to file a dispute to have my funds disputed to I spoke to XXXX XXXX and XXXX XXXX they are located in XXXX I asked the politely to be transferred to my to states they dienied my requested i file a dispute on XXXX XXXX and still have not received all my funds that I requested and yet this origination continues use third parties such the names I mentioned above they continue use false advertisement regurding call center please is there any way to get all my funds back from this card?
Consumer complaint received 2023-03-31
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX OF XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX & XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC (LA)

I have requested debt validation proof more than 90 days ago. XXXX  was the only CRA who deleted the unverified and inaccurate account. XXXX and XXXX  continue to report the unverified debt.
Consumer complaint received 2021-01-27
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. (NY)

XXXX, Transunion and XXXX have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my  credit score, even  thouygh they claim to have no information about me.
Consumer complaint received 2016-03-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

I have been a victim of identity theft. I was contacted by XXXX XXXX for credit card only for online store ( XX/XX/XXXX ). When I started to receive phone calls ( XX/XX/XXXX/XX/XX/XXXX ) I submitted a fraud form to XXXX XXXX and requested dates of purchase and proof of delivery when the debt occurred. I never heard back but recently Portfolio Recovery purchased the debt and began contacting me. I have emailed to Consumer Ombudsman Office of General Counsel Portfolio Recovery Associates , LLC ( " PRA '' ) and sent then information of my identify theft and requested date and proof of delivery of when these debts were incurred. They can not or will not supply me with the dates and delivery proof. I can not fully complete their forms with out proof of residency but I do not know when the dates of theft occurred. Portfolio Recovery will not investigate without the forms being completed. If they can not provide proof of delivery, address of shipment and the date purchase was made for debt how can they expect me to complete their forms to investigate and remove from my credit report.
Consumer complaint received 2016-06-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I have a 30 year mortgage for a home XXXX with Wells Fargo after we refinanced in XXXX to get out of an adjustable arm loan. My husband and are both XXXX we were XXXX and came down on orders as a Permanent Change of duty station XXXX and had to relocate upon return in XXXX. We had several renters till XXXX and the last renters abondoned the house and left it unliveable and infested with roaches .... we could not afford to pay for our family to live here and also pay a mortgage without the extra income from a renter becuse we had our XXXX child in XXXX XXXX. We decided the best way to go was a short sale so we had the house cleaned thouroughly and had an exterminator come and prepare the house for sale and got a Realator. We have had many offers come in for what wellsfargo was asking but they kept coming back with denials through the mail with no reason on why and when i would ask for why in writing was told whats on the letter is all i was entitled to knowing .... This was just the first year ... .. then the 2nd year they would actually give some explanation to the realator. It would get fixed and we would still get denied with a new different reason that was not mentioned before .... all the time this is going on I kept having a squatter breaking in the home and trashing the house ... a storm passed through ripping siding off ... and so you can guess what the 3rd reason was it was being upkept ... .. so we went and corrected the issues again .... we wouldnt be having this issue if the house would have been approved by now ... So this last request we submitted we felt like everything was finally going smooth communication was getting better and we were waiting on approval my realator gets an email from the negotiator stating she was no longer going to be working in that section anymore and that someone new would contact her in 48 hours ... No one replied to my realator she had to email several people and call people to get a new one who is making us restart the whole process over again with no denial just start because now its a new negotiator ... There is soon I will be the only source of income in to our household due to te Armys new XXXX or downsizing with the exception of unemployment and XXXX dollars my husband will recieve a month. We will be struggling with just this gousehold let alone the house XXXX. We have been trying to do whats right and sell the house versus do a forclosure or do a bankrupcty. This has a been a nightmare it has already caused me alot of stress to be in this situation but for this to drag out for 2 years and we are at block XXXX again. I REALLY NEED ASSISTANCE ... This is really unfair I feel like because we are going through a Hardship and have to use this option Wells Fargo is punishing us my family by dragging this out and not working with us and are acting with prejudice or they are just waiting for a sale date so they dont have to assist and sell this house the buyers want the house!!!!
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (SC)

I TRIED TO FILE DISPUTE ONLINE, AND UNABLE TO DO S SO WITH EXPERIAN AND EQUIFAX ; HOWEVER, I SUCCESSFULLY SUBMITTED A DISPUTE FORM/ WITH XXXX . AT THIS TIME, XXXX IS THE ONLY COMPANY THAT HAS MY REPORT CLOSE TO ACCURACY.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

Ocwen removed remarks from the optional remarks section of my credit reports and my scores went up. Today I received a notice from XXXX XXXX that Ocwen was once again adding the score lowering remark. 
This is blatant credit score manipulation. Ocwen is engaging in tactics far more damaging than XXXX XXXX ever imagined possible. Please investigate this ongoing credit score manipulation which allows Ocwen to trap homeowners, force them to remain with Ocwen rather than refinance at better rates via credit score manipulation. 
My credit score drops every time Ocwen does this and they do it every month.
Consumer complaint received 2023-04-16
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: WELLS FARGO & COMPANY (IL)

Wells Fargo continues to hold me responsible for fraudulent charges on my credit card ending in XXXX. The charges totaled {$720.00} and I am a XXXX XXXX XXXX who can not afford to pay for purchases I did not make. I nor anyone else in known to me made these charges. 

Federal law limits my responsibility for unauthorized charges to {$50.00} and I have already reported identity theft. Wells Fargo is using unethical practices by trying to hold me responsible for the total amount of the charges. In fact, I have already had to make the minimum payment due on the account balance which is equal to the fraudulent charges of XXXX.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (TX)

I changed my address. They told me to upload documents so they can unlock my account. I did that 5 times and they are still asking for the same thing. This is my only source of income and my phone and my lights are about to be off. I mean they ask 100 questions when you call which should be enough to verify who I am. This is rediculous
Consumer complaint received 2017-05-29
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. (CA)

The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.
Consumer complaint received 2016-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

In XXXX I entered into a mortgage modifaction with ocwen mortgage thank took several months to get after hundreds of phone calls and sending information that they required for the mod several times. I entered into the mod that was to begin in XXXX of XXXX. I was told to have an amount of money in the bank by fed of XXXX that they were going to withdraw on or before XXXX XXXX XXXX in witch they did. then the agreement was to begin making my need discounted payments in XXXX of XXXX. I made all my payments on line and on XXXX of XXXX it would n't allow me to so I called them and I was told by them that my mod was cancelled for not making the down payment I was to make in XXXX. So I told them at that time that I did make the payment and you took it out of my account on XXXX XXXX XXXX. They told me that I was not in the modifaction till XXXX XXXX so that is did n't count for that and they used that for back payments. At that point I could no longer trust or make any other deals with ocwen. I have made hundreds of calls to them that goes direct to XXXX and you can not understand any of them. In XXXX they pad locked me out of my home and still have not forclosed on his home and are every month reporting to my credit for not paying. I have all documents showing that I did everything I was told to do door this modifations including all bank withdraws contracts showing all the dated and a letter from them stating why the mod was cancelled. They have no right to stop this mod and are now holding my credit hostage and are still calling me to enter into another mod
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

This is a follow up of the following CFPB claim. My membership rewards account had been unfrozen. However, the 35 % bonus points did not shon in my MR account. I contacted Amex many many times via phone or chat, the agents always give me difference response. No one help me to solve the issue. 


CFPB Ref No : XXXX and XXXX Ref : XXXX and XXXX Account Ending in XXXX Dear XXXX XXXX, Were writing in response to your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). We processed your booking with pay with points. We can not restore your ability to redeem your Membership Rewards ( MR ) points at this time. 
We processed your booking with Pay With Points On XX/XX/2021 you booked your travel through American Express Travel. On XX/XX/2021, we processed the redemption of XXXX points towards your booking and issued a credit towards your account of {$11000.00} which is reflected in your enclosed XX/XX/2021 billing statement. 
We have temporarily suspended your ability to redeem MR points We have temporarily suspended your ability to redeem MR points while we review your MR account to ensure you complied with our offer terms, this includes the 35 % airline bonus when you use Pay with points to book your eligible travel or flight through American Express travel. We took this action within the terms of the MR program. If at the end of the promotion period we determine that you have complied with our offer terms, we will unfreeze your account unless there are remaining concerns.
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (CO)

Please help assist us, an apartment complex is collecting a debt client does not feel he owes. After further research client had electric in his name and was turned off. We have attached the supporting documents. The apartment complex states they do not own the debt as Hunter Warfield now owns.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (CA)

I started refinance on 5 investment properties with Intercontinental Capital Group in XX/XX/2021. By the time I received closing disclosures, the fee exceeds the loan estimate by 2 % of the loan amount. Then they told me that they can not honor the original term for 3 of loans, but can still restart the other 3 loans. After a couple months, the new closing disclosures still have the extra fees. Then we reached a deal to cancel the refinance, but they promised to refund me all refinance costs that I already paid out of pocket. It's been over half year since then, and they still haven't refund the total refinance cost. In the past week, they even stopped responding to my email and text messages. 

I also did my main home refinance with them at the same time, and at closing disclosure they also tagged on 2 % extra fee, and I have to take an extra .25 % interest rate to remove these fees. Since the rate was still below my previous loan, I took the deal though in this instance, though it's not what they promised in the original loan estimate. 

Overall, I feel this company is very dishonest in their business practice, and is running a classic bait-and-switch business practice. I had a nightmare experience dealing with this company in the past year, as they keep breaking their promises and abuse customer trust. 

I worked in mortgage industry myself and can't believe with all the customer protection laws passed in the past 20 years, there is still such company doing business this way and dodging regulation.
Consumer complaint received 2017-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had accounts opened in my name fraudulently. It has bee n over six m onths, and this company and collection agency have done nothing to help or communicate. The collection agency on my report says    XXXX   XXXX   XXXX   XXXX   but th e address is wrong because mail gets returned. When I   XXXX   them, there is an entirely diffent name listed on the their website. Says   XXXX   XXXX   XXXX   XXXX   . T here is no way  XXXX  has verified accuracy with a company listed a  s  XXXX   name and then  XXXX  reported as another amount, but I know they keep items on consumers  credit reports because the collection agency pays them too. Why else would n't this clearly not just fraudulent but inaccurate credit item not have been deleted yet?? Look at my evidence uploaded and your see same amount, but differnt account numbers and its double reported. I 'm hoping to get this resolved so I can move on with my life.     Thank you,
Consumer complaint received 2019-06-01
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

11 XXXX XXXX XXXX ; 11 XXXX XXXX XXXX