davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

***PENDING LITIGATION*** I have supplied Experian with all the evidence previously by disputes through the CFPB and disputes through the mail about why the bankruptcy against me is inaccurate and unverifiable. I sent all the evidence to Experian 's legal team more than thirty days ago and still haven't received a response back. Experian 's willful neligence is not a good look. My lawyer is ready to file in court if we can't get the issue resolved.
Consumer complaint received 2020-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CT)

I requested a mortgage payoff letter from Freedom Mortgage. After the payoff letter was issued, Freedom imposed a {$30.00} fee for that letter. I closed my mortgage with a different loan company and my HUD-1 statement does not include any such fee for a mortgage payoff letter. Freedom claims ( in a phone call on XXXX ) that since my mortgage was sold to them, that I need to comply with their fees. I had no say in my mortgage being sold to Freedom and should not have to pay any additional fees beyond those that I agreed to when I closed on my mortgage. I am seeking a refund for the {$30.00} fee including lost interest. Thank you for your assistance.
Consumer complaint received 2022-09-12
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: CITIBANK, N.A. (TX)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX I have the rights to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (NY)

Dates : XXXX Amounts : {$180.00}, {$2300.00}, and {$38000.00}. Fraud Affidavits for all accounts were sent to the company and credit bureaus. 
Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Fraud Affidavits were sent to the company and credit bureaus and or pplication on file.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NV)

I am having a serious problem with American Express every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent  Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. Amex is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with Amex debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by American Express to purposefully assassinate character through negative reporting to the credit bureaus.
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

I had inherited 100 % my parents house through XXXX. Ocwen mortgage allowed me to take over the mortgage. Ocwen mortgage locked me out of my own account and would not accept the payments. At the time the principal balance was {$2500.00}. Ocwen then foreclosed on the house for {$25000.00}. I have been ordered to vacate within 60days.
Consumer complaint received 2021-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

This company has violated my rights under the FCRA and the FDCPA. This company has violated my right of privacy under 15 USC 1681 a ( 4 ). This company has continued to report adverse information without my consent and this has violated my right of privacy for them to continue to report information that is private to me and this has caused me great XXXX. This company has also violated statue 15 USC 1692g and has failed to validate this debt in a timely manner. I also included in that letter that this company must cease all communication through any medium directly or indirectly with any other company until this debt was validated and they have failed to do that. I am tired of being XXXX  as a consumer and i know my rights. I will not stand for this any longer. I have attached an invoice for every violation that has occurred and i expect to receive compensation.
Consumer complaint received 2023-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (CO)

On XX/XX/23 I called and spoke with XXXX at XXXX I asked to facilitate the process to have the funds deposited into my account the same one making payments.XXXX  stated it would take up to 20-22 business days for them to verify the funds and issue the payment of my funds via direct deposit. Per the contract I signed with Seedfi the my funds would deposited into my account with 2 business days after the funds cleared the account. I did not consent to my account being transferred to XXXX and the customer service is awful. I was told I could not file a complaint with them that I would need to call Seedfi at XXXX to file a complaint. I called Seedfi at XXXX MST XX/XX/23 to file a complaint and was told there is nothing they can do as they do not service the loan anymore. She also informed me that they have received numerous complaints about the customer service received and all they can do about it is document it and feedback to the loan servicer to correct the issue. It should not take a whole to get the funds from my account. I called back XX/XX/23 XXXXMST and spoke with XXXX and he said there is nothing to do as they do not service the account anymore and can not hold XXXX  accountable to the loan processing timeframes they previously adhered as they do not service the account and it is up to XXXX to honor the agreement or whatever processing timeframes they have set forth. I signed the contract with Seedfi I was not given the option to pay my contract in full to avoid it being transferred to XXXX. I did provide consent to this transfer either. At this point with both companies neither wants to take responsibility for not upholding the terms of the agreement I signed. It is unacceptable to make a consumer wait 22 business days to receive the funds when the account was paid in full. Previously when I had the account with Seedfi the funds were released within 2-3 business days after I paid the account in full. XXXX  is not upholding the contractual obligation being the loan servicer. I did not sign any paperwork stating I would adhere to new contractual terms with the assignment of my to a different loan processor.I want my funds without waiting this ridiculous 22 business day which is no where in the contract I signed!!
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2006 with a balance of {$12000.00}, which I did not make. I have filed this to the police and they advised me to submit a dispute.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX. XXXX XXXX - XX/XX/2023
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX TransUnion and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX is listed TWICE on my credit report, for 2 different amounts. FCRA Violation. 

3. Both accounts are being RE-AGED FCRA Violation. 
3 different dates on each credit bureau. Date of Last Activity is being RE-AGED every month. 

4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX XXXX, and TransUnion correct and remove this inaccurate info from my credit report. 


5.
Consumer complaint received 2020-07-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

I have been approved to refinance my home with a different lender than my current lender. Current lender is PNC Bank, new refinance loan lender will be XXXX XXXX XXXX. I have been told by XXXX  that PNC will not send over the 30 day payoff as they have requested multiple times. I have also personally been requesting such payoff for almost 2 months now and PNC will not send a 30 day payoff. Instead they sent one payoff by mail ( it was requested via fax ) and it was a 10 day payoff not a 30 day payoff. Every time I call PNC to request yet, another 30 day payoff I am met with brutal questioning and attempts to lead me to a refinance officer within PNC even though I am very clear of my intentions to refinance with another lender.

Since all this has been going on over the last 2 months, PNC has pulled double payment from my checking account 2 times, and they will not reverse or refund the funds they pulled from my account. My checking account credit union told me since the funds were pulled ( requested ) on  PNC side they couldn't undo the transaction. All of this leaves my account short XXXX $ and during these hard times of covid I could have used this XXXX $ for my other bills. I had zero intentions of paying an additional XXXX $ to my mortgage that I am in the mix of refinancing with another lender. I have written and called and emailed PNC but no one will solve the issues mentioned above. I am still without a payoff that is good for 30 days, even tho I requested a fax for one again yesterday. Any insight on how to get this resolved is appreciated and I just want the option to be able to refinance my home without being robbed via double mortgage payments each month. I feel as if I am being punished and robbed by PNC because they know I am refinancing my mortgage with another lender. Please help.
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc. (MS)

On or around XX/XX/2019, I received a debt collection letter from ARS NATIONAL SERVICES INC to collect a debt on behalf of XXXX XXXX XXXX XXXX. 

The account with XXXX XXXX XXXX XXXX was opened online, in my name, fraudulently. 

I never received any card in the mail from XXXX XXXX XXXX XXXX. 
I never received any billing statements, online or by mail. 
My email address and phone number is not associated with the account. 
I never received phone calls in regards to the application or the account. 

I never received any contact prior to the fraudulent account being approved and opened in my name, to verify my identity, in order to prevent this exact gigantic issue from happening! 

This is a debt I did not personally apply for or obtain. This account was reported as fraud immediately upon discovery of the fraudulent account in my name. 

I reported the account as fraud, placed fraud alerts and credit freeze, filed an identity theft report with the FTC, opened disputes with credit report bureaus, andfiled a police report with my local police department. 

This account is fraudulent and was opened in my name FRAUDULENTLY. I'm doing everything I can to clear my name and to clear this fraudulent activity from my credit reports!
Consumer complaint received 2021-04-23
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted proof of never being late including confirmation from the credit card companies confirming that payments were received but XXXX  still did not removed the late payment history on my credit report
Consumer complaint received 2016-02-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meyer & Njus, P.A. (IL)

I. Meyer & Njus P.A. sent me a letter stating 1 ) they had been retained by XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/2015. In that letter, I asked Meyer & Njus, P.A. to validate the debt. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Meyer & Njus, P.A. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/2015 by Meyer Njus, P.A. regarding this matter. 

This firm stated they were retained by XXXX. That claim is patently false, since the debt was charged off. If XXXX was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Meyer & Njus P.A. in the letter are fraudulent and misleading, and intended to intimidate. Further, Meyer & Njus P.A. has extended this fraud into court.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Our mortgage ws given to OCwen when GMAC went under. Ocwen has not asked for us to sign any loan documents or explain any of our fees. We were paying our loan and trying to modiffy with no sucess. in 2014 my husband got laid offf andthey modified us to a unemployment modnification and made it sound perfect. we were able to keep our home while my husband found anouther job. at 5 months thye cancelled our modification because we were 1 day late on the 1/2 of the payment we owed. once this happened hy explanined to me that now we owed them around {$15000.00} to keep our home. i asked why and how is that possible and they explained that what ever we do not pya on our mortgage we owe at the end of the modification. please tell me someone on unemployment is going to be able to save this kind of money when they are just making it by .... they felt no remourse and would not help us in any way. i had to either find the money or lose my home. what a shock this was. i had to go to a family member and ask for them to loan us money as we had no money and wanted to save our home. since then i have tried to modify my loan and htey refuse. i do have the lowest interest rate as when my loan was with GMAC they were able to adjust my rate with the first HAMP refinance i tried and for 2 yrs unable to make a mortgag payment and then when they gave us the 2 % rate they added what we owed on our mortgage to the back end of our loan so we became under in our mortgage and equity. Ocwen states that due to us not being XXXX or XXXX there is nothing they can do. then why this program to hlep. i am not asking for my payments to go lower i just want my principal to be back where it was. all of thi happened with GMAC and OCwen and is not communicated and when you ask to speak with managment for office of the presidents they tell you there is none and we have to deal with it. There is no concerns or willing to help with this company. i feel that there is something they can do for us. The main parts are the amount of money we had to compe up with to save our home after being on unemployment in the amount of {$15000.00} which no one that has no job has that kind of money, that is unfair and should not even be offered. that is a scam and they know exactly how to get you to think it is so great until the end. they want your home they want you out. 2nd issue is the no resolution to anything. they can not tell you why you are denied on something or what can be done. they just tell you no. there should be notes and detailed reasons for declines. instead it is just a no and you can either short sale or foreclose. i think that should not be a opition ....
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU (KY)

I called Creditors Bureau USA on XXXX 2021 to try and gather information on my credit accounts such as dates of the services. XXXX XXXX was the rep who was speaking to me. He asked for my personal information ( e.g. phone number, date of birth, etc ) I politely declined and he then refused to give me the information on my own account. Even though I had the account number. He tried stated that this is, " a company wide policy. '' I asked to speak with a manager and he put me through to XXXX after being rude and short with me on my refusal to give me my personal information. I told XXXX that per the XXXX it is not mandatory for me to give my information and it is not ok for XXXX to try and claim I need to give it in order to get my information. He tried to apologize and said it was not a policy and he would speak to him. I informed him I would be putting a complaint in and that this was unacceptable.
Consumer complaint received 2020-04-21
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. (FL)

XXXX XXXX XXXX XX/XX/2013 {$1100.00} sent : Deployment Paperwork, Police report and identity theft affidavit I contacted the company directly and was given the run a run, nobody wanted to assist in the matter I faxed and mailed requested docuements to the company directly along with each of the three credit bureau.
Consumer complaint received 2017-02-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bread Financial Holdings, Inc. (CA)

I am disputing a collection debt from XXXX ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with XXXX. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is Comenity Bank whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting XXXX to you so as to warn others about the illegal practices of debt collectors.