davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OR)

In XXXX I was approved for a modification from Ocwen Loan servicing on my mortgage. I filled out the documentation and faxed it off. They said they never received it and told me I had to start all over in the modification process. For the next 3 years I made appointments with relationship managers, submitted documentation over and over and over again. Each time I would be denied but never told why. In XXXX I applied to a program called Making Homes Affordable that the State of Oregon and OHSI ( Oregon Homeownership Stabilization Program ) offered and got approved. They would help me catch up my mortgage and Ocwen would not send them the total dollar amount needed to catch up the arrears. Ocwen literally played games with both myself and OHSI. By this time I was very close to going over the {$40000.00} limit this program allowed. This drug on into XXXX, I went over the XXXX and Ocwen wouldn't return OHSI 's phone calls, emails etc. Ocwen then sold out to PHH Mortgage/newrez and I have spent the last two years trying to get somewhere with them. I make appointments with relationship managers who have to call me at a time that works for them. Several times I would not get the call or I would get disconnected. The few times I did get to talk to one they offered no answers, no help, just fill out another application and resubmit. The last time I called I got passed around for 45 minutes to different departments and then hung up on. I have documentation going back all the way to XXXX Letters, applications, income documentation, notices stating they need more documentation or the documentation is expired and I have to resubmit, etc. I was told recently I was denied because its more then 90 days past due. It was more then 90 days past due when they purchased the mortgage from Ocwen. They are burring me in my home and for the last 7 years I have tried to get this fixed. XXXX XXXX from OHSI has been helping me since XXXX trying to get this fixed and he also has gotten the runaround. I am now at an accelerated amount of {$280000.00} with the principal balance interest bearing {$140000.00}. I can not get any help, they said they don't have any program to help me because i am 90 days past due. Please help me.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have made payments to my Bank of America Visa card online monthly on the following dates : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1000.00} Bank of America charged me a late fee of {$27.00} on XX/XX/XXXX and told me it was because I did n't make my payment during their designated " payment period '', even though I have made a payment each month for substantially more than the minimum due. I was told that there is a disclosure on my paper statement regarding this - however my activity history would indicate that I access my account online and only make payments online. This is confusing and unfair that I am penalized because I make my payment outside of their determined narrow window of payment date. I am XXXX years old and feel Bank of America is taking advantage of me. I contacted Bank of America 's customer service and was told that it is their policy to access this charge regardless of whether I have made a payment during the month. Bank of America is benefiting from this confusion by not only charging interest on the balance but also accruing late payment penalty charges - in spite of having received a payment that satisfies the minimum due during the month.
Consumer complaint received 2017-10-06
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. (NC)

XXXX XXXX is listing an incorrect account on my credit reports and refuse to send any validating information to prove the information they are reporting. I have requested details of the account summary, details of the interest rate and how they reach the balance on my credit report, and also validation that this is my debt. They have failed to send me validating information, but continues to report on my credit reports. I have also complained that the payment history is reporting inaccurate as well, but Transunion and XXXX XXXX continues to report inaccuracies on my credit reports.
Consumer complaint received 2017-11-17
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)

After numerous times of asking Experian to verify my XXXX 's account which has been opened since XXXX 2012, Experian failed to verify this information. Instead, on XXXX/XXXX/XXXX, per Report XXXX. XXXX, they DELETED the account completely. After speaking with XXXX XXXX 's, they told me on the telephone they NEVER INSTRUCTED EXPERIAN to delete this account because it 's in good standing. I have written Experian repeatedly telling them they are not investigation this properly, I have provided proof from XXXX XXXX 's and they refuse to make any change to my credit report.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

1 ) I disputed transaction for XXXX with Citibank Credit Card on XXXX XXXX, XXXX. 
2 ) Citbank sent back a letter requesting details 3 ) I sent all details to Citibank on XXXX XXXX, XXXX XXXX ) Citibank kept quiet for 2 months 5 ) On XXXX XXXX, Citibank sent back a letter that they have closed the investigation and and requested more details. 
6 ) I talked to Citibank dispute agent to understand what they needed. I informed them about the inaccuracies in their response. 
7 ) On XXXX XXXX, XXXX, Citibank sent a letter sending th 'We have reviewed the information concerning this dispute. Unfortunately, we are unable to resolve this dispute in your favor since we have not received a valid credit slip. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. 
We regret that we are unable to assist you in this matter. ' 8 ) I contacted customer service on XXXX/XXXX/XXXX. It did not yield any results. 

9 ) I have other suspicious transactions too. My understanding is CitiBank just delays and discourages customers from complaining by putting disproportionate burden.
Consumer complaint received 2021-07-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

i sent y initial dispute XX/XX/2021, i sent an additional dispute once i received a response from the credit bureau stating the debts have all been verified. I then proceeded to sending a 609 letter XX/XX/XXXX, in which i never gotten a response back from the Equifax buearu at all. It has been well over XXXX days. ( i have receipts ) All mail was delivered and recieved because i sent them all certified mail. This is in violation of us title 15 1692g and 1692e. I also just sent them my police report for identity theft. Please esculate this manner
Consumer complaint received 2018-02-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (PA)

I received a notice of a loan available to me from Mariner Finance in XX/XX/XXXX. I went to the bank branch in person ( about 1 hour away from my home ) to take out a personal loan in the amount of {$1500.00}. I received less than this because about {$400.00} of that was the cost of taking out the loan. I made my first payment online in XX/XX/XXXX and signed up for automatic payments through my bank. I never received a statement from these people. In XX/XX/XXXX I get a phone call from Mariner Finance telling me I missed my payments. I explained to them that I was signed up for automatic payments but they said there must have been a problem because even though she could see that I had signed up for the automatic payments, it didn't go through. At that moment I paid two months over the phone with the representative and signed up again for automatic payments with the representative verifying the bank information. Again this company never sent ANY statements and I assumed everything was fine since I could see from my bank statements that they were taking the money from my account. On XX/XX/XXXX, I get another call from Mariner Finance. The representative again claims I am late. I ask her how that is possible if I am with automatic payments. She says she does not know how I got kicked out of automatic payments but now I could only make cash payments ( at the branch 1 hour away )! I tried to make an online payment but the system said no online payments allowed. I told the representative to send me a statement and all I get is a printed out list of payments. The list reveals that the first payment I made was reversed by them and again in XX/XX/XXXX. This company refuses to allow me to pay. They seem to want to make it impossible to pay their debt. It all seems VERY shady to me. I can not drive 1 hour every month to pay this bill. I honestly think this company has serious irregularities that should be looked into.
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC (AZ)

inXX/XX/XXXX2017 i paid in full a credit card debt that was in collection. i was sent a paid in full document dated XX/XX/2017. on XX/XX/XXXX2017 the company XXXX funding placed my paid in full account into a derogatory status as though i had never paid it. this dropped my credit rating by XXXX points and is against federal law related to paying collections in full. i was told my credit report would be updated within 10 days to a positive because i paid in full. instead they updated it negatively
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (RI)

I opened a secured credit card with TD Bank on summer of 2017. I had to make a XXXX dollar deposit to receive the XXXX dollar credit line. With the secured credit card they advertised to me that after making 6 months of on time payments I would be graduated to the regular credit card. After having the card for 4 years I have not been upgraded and received my XXXX dollars back. When contacting the company and visiting a branch no one can give information about why my account has not been graduated. My credit score has skyrocketed since opening the card ( XXXX XXXX, I have not been late. This type of advertising and misleading to people trying to improve their credit. Customers like myself did not have much money to spare when trying to get this card.
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (FL)

The original collection agency Pinnacle Credit Services , LLC has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( XXXX ) has yet to send me competent evidence to prove I owe this debt to them. 

I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report. 

On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, Pinnacle. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to XXXX. After over 35 days and no response from either Pinnacle or XXXX, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to Pinnacle ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt. 
I, in turn, sent a second debt validation letter to XXXX on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them. 
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause. 
I am at my wits end and do n't know what else to do at this point.
Consumer complaint received 2017-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

Today XX/XX/XXXX I received 3 phone calls from XXXX at One Main Financial who stated that the matter was urgent and that she needed to speak to me right away. I had called previously and called once more and finally got her on the phone. She then told me that my XX/XX/XXXX payment did not post and that it was coded that my bank account was frozen. I told her no way. I told her that I just left the bank and my account is fine. We spoke of other methods of making a payment and she agreed that my wife could call with a debit card to make the payment. She smugly told me she was just worried about my account. This suppose concern seem odd to me immediately. 
I later spoke with my wife about the matter and she told me she was in our bank account and that payment did go through with no problems. I also recalled being online earlier and seeing that the payment showed posted for XX/XX/XXXX. On that subject, I had went into the local office, on XX/XX/XXXX and changed my banking information and XXXX processed the payment electronically. Nevertheless, I called XXXX back and told her the payment with through just fine and that it showed online and that I even spoke with One Main customer service department who confirmed the payment. She ask me to screenshot her the XXXX XXXX XXXX payment. I told her I was n't sure I should do anything like that. She said she would have to contact her Manager because she shows a code 16 and the payment is not showing that she sees. I then called customer service back and spoke with XXXX XXXX and he told me we actually made two payments of {$100.00} for XX/XX/XXXX that went through fine from he sees. I then requested to speak with a supervisor. I also explained to XXXX XXXX problems my wife and I have had in the past with this office. He apologized for our troubles. Somehow I got disconnected when XXXX XXXX transferred. I called back and spoke to XXXX who would not give me XXXX XXXX but said she could transfer me and transferred to a voicemail box with no greeting and I left a message assuming I had the supervisor. She said, as did XXXX XXXX the supervisor 's name is XXXX XXXX. My wife called and as asked by XXXX ( at local office ) but was given her voicemail box and found that telling. Neither my wife or I have received a call back from the local office. It appears very obvious to us that I/we were being harassed deliberately by this office, as my loan is close to being paid off. As of this writing I have no heard back from the supervisor I requested a call back from. Having worked in as a customer service rep, I can say that I believe the above employees deadpanned my complaint to the company.
Consumer complaint received 2021-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Credit Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from. I been sending dispute to Credit Bureau but they won't reply, they sent me response once by saying it has been verified. After that I mailed dispute two times, no response. Please proof of mail. 

1. The status is incorrect for the following account : account is open. Wrong balance is being report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


Please remove correct this with all haste. Thank you for your attention. I apologize for being so angry.
Consumer complaint received 2017-02-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PREFERRED CREDIT INC (MI)

In XXXX of 2015 I was contacted by XXXX of Minnesota. I was understanding that they wanted to talk to me about some health issue. When they came to my home, they turned out to be vaccume selling people. They sold me a vaccume and an air purifier and I had it financed thru Preferred Credit , Inc. of XXXX XXXX, MN. in the amount of {$4000.00}. My wife worked at XXXX at the time of purchase. In early 2015 XXXX closed and she lost her job. I contacted P.C.I. and told them I would have to reduce the payments for awhile until she found a new job. Apparently they did n't like that I had to do that and they started reporting negatively on my credit report from then thru now. I have contacted them several times regarding this matter and they refuse to remove negative reporting, even tho I am now making regular payments to them. They said, I signed a contract and there 's nothing they can do about it. It has really damaged my credit and I am trying to get a mortgage and with this on my credit, I ca n't get a loan. My lease is up in XXXX and I have to move so I need help. Thank you
Consumer complaint received 2017-10-06
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. (VA)

Two fraudulent Hard Inquiries on my account.
The first one is from XXXX XXXX. It is showing up only on my XXXX credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XX/XX/XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX XXXX agai, spoke with XXXX in their fraud department today, XX/XX/XXXX XXXX EST and they are again promising that they will remove the inquiry with 30-60 days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XX/XX/XXXX. It is only showing up on my Equifax report and it registered as XXXX. I called the number that was associated with this also on XX/XX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my Equifax report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TN)

I am a long term customer of Western Union and have used it for sending funds to relatives overseas for years. Never a problem. 

On XX/XX/2022 I efforted to send {$200.00} to our niece in XXXX and had to provide a copy of my bank account statement as well as my drivers license. I checked status on their website a few times and it was always pending. Then 15 minutes later it says " cancelled ''. 

I called another XXXX customer service rep to try to learn why this was. The only answer was to email XXXX and ask for answers. I did that the same day but the robot response says I have to wait 30 days. 

I am DEEPLY disappointed with all this hassle! In all the years before I've never had a transfer through Western Union denied or cancelled. EVERY time they have gone through with ease. So what was the reason for cancelling my current transfer? I need to know so I can fix it and remain a customer.
Consumer complaint received 2022-01-06
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. (PA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

THE XXXX XXXX ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM EXPERIAN AND XXXX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU