davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

There was a Deposit applied to our account in the amount of {$1000.00} for a reversed check made by our bank Huntington. My wife called and spoke with a customer representative who confirmed that the money was ours and it was OK to use. A week later they withdrew the money without us knowing causing our account to be negative. We again called Huntington and they could not provide us with any resolution and only escalated the call. We called in originally to prevent this from happening. How can we be held accountable for their mistake after receiving verbal confirmation as well as the call being documented in there call software as approved funds.
Consumer complaint received 2023-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (TX)

My issue is that I am being contacted by a company that is not bonded to work in my state. This is illegal and I will sue them. I've asked them to stop contacting me but they have not. Instead they filed on my credit report and they can not legally do that because they can not legally work in my state without being bonded. I need this removed from my credit. 
The company is National Credit Adjusters XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX
Consumer complaint received 2016-05-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing does not own and it not entitled to service the underlying loan. Moreover, Ocwen failed to comply with Dodd Frank regulations in connection with loss mitigation underwriting/modification application. They denied the application without proving any documents to the consumer which address the denial or the required information under Dodd Frank
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IL)

After checking my credit report i have found a total of XXXX hits on my credit report. I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately
Consumer complaint received 2016-04-17
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

I was 29 days late making loan payment. 
i paid XXXX XXXX 2016 before XXXX. They reported to credit agencies I was 30 days late. payment was due XXXX XXXX 2016 paid XXXX XXXX 2016. Springleaf financial
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

In XXXX 2021, I was refinancing with XXXX XXXX  XXXX XXXX ], & they were trying to rush things along in order to meet their monthly 'quota, ' so several weeks before the scheduled closing, I started asking questions to ensure I was receiving the best refi option for me, which is my right. However, XXXX/my mortgage officer [ MO ] didn't like this, so they followed up with various delay tactics. During the refi process, the MO had told me that there would be no payment due for the closing month, as the loan would close before the end of the month, but it didnt [ close ], even though I was approved and had all of my paperwork and requirements submitted. The XXXX to last day of the month, I received a call from the XXXX MO who told me that half of my payment was still due for that month and it had to be paid in order to close the loan on the refi [ also, throughout the refi process, I had lost all online access to my CURRENT mort, I only had access to the NEW refi loan #, & could not make/change payments to my account ; the MO knew this, as I had reported it to him NUMEROUS times, but he did nothing ]. After the call, I immediately made a telephone payment, because I couldnt access my account online, completely unaware that at the same time XXXX was trying to debit my checking account, and had done so MULTIPLE times, for the same payment ; it was the perfect storm. Needless to say, my bank declined each transaction because I didnt have $ XXXX funds available in my account [ heck, who does ]. Upon realizing this [ and remember, its the end of the month ] it was too late to do anything, XXXX  considered the payment late, reported it to the credit bureaus, & my credit standing has been completely DESTROYED ever since! I've tried to work with XXXX on a resolution, I've called and spoken to multiple employees, but its been no use, they claim its 'against the law ' to reverse a late payment, even though XXXX incompetency & shady practices perpetuated this debacle. And to make matters worse, because of the late, XXXX will not refi a loan with me for one year.. I even filed a dispute with XXXX, but they refused to accept responsibility & found no fault in themselves. I've tried to get another loan with other companies, but either the interest rate is 20 % + or they decline me because of the late report and my low credit score. Some of my credit cards have even closed my accounts because of this, which lowers my score even more. This has been financially devastating, and my hands are tied, I cant move forward in any direction because of this, I'm entirely unable to improve my financial situation, I'm stuck, and I just want this reversed so I can move on!
Consumer complaint received 2016-12-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (IN)

Monterey collections agency attempted to collect {$2400.00} from me, stating I owed XXXX this debt, dating back to 2011. I emailed them requesting proof and the contract came with the information of the person, with only our names being similar ; first name was n't spelled the same, DOB was 7 yrs apart. I called Monterey collections and the agent stated the problem will be corrected, but it might take 6 weeks. I had a similar incident with them about 3 years ago.
Consumer complaint received 2024-04-12
Product: Credit reporting 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. (NY)

My name is XXXX XXXX I have already disputed these fraudulent inquiries I have made a fraud claim already with FTC due to me claiming this is identity theft this account must be deleted and remove it has been over 90 days by law its supposed be with in 4 days of receipt of claim date Please remove inquiries listed below Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. XXXX XXXX Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

If you have collection accounts from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX accounts should not be reporting as " OPEN '' This is a clear FTC violation and must be disputed Use code 15 USC CODE 1681S-2 and state the inaccurate reporting - 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT # 3 - 15 USC 1681B - PERMISSIBLE PURPOSE YOU CAN USE THIS LAW TO CHALLENGE CREDIT REPORTING AGENCIES TO SHOW WHERE YOU PROVIDED WRITTEN PERMISSION FOR A NEGATIVE ITEM TO BE ON YOUR CREDIT REPORT. IF THEY CAN'T PROVIDE IT, YOU CAN LEVERAGE THIS LAW TO HAVE IT DELETED CONSUMER XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2021-12-20
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. (IL)

The nature of this corresondence is to inform you an error and greivance that has caused me severe hardship on my consumer report, i'm speaking of the Closed XXXX  accounts on my Transunion and XXXX consumer file. We have asked the furnisher XXXX to investigate the first date of delinquency and they confimed that 480 days prior to XX/XX/XXXX was the first date of delinquency which was around XX/XX/XXXX. Transunion and XXXX have violated several consumer laws on my consumer file which I will disclose what statute has been violated in the attachment. 

The attachement will be a notorized document and this will be the final notice to request These Closed XXXX  accounts ( 5 with Transunion and 2 with XXXX ) to be DELETED from the consumer file. If these accounts are not DELETED a lawsuite will be filed against you.
Consumer complaint received 2016-08-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

Debt has NOT been paid in full however this debt was originally placed with another debt collection agency who then transferred it over the Medical Revenue Service and they never notified ME of the change and all this time I have been paying the other debt collection agency for the same debt that they marked against my credit. Now the other debt collection agency ca n't seem to tell me where all my payments went to and Medical Revenue Services do n't have any records showing that I have been paying on said debt for the past year!!!!!
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Upon my divorce back in XX/XX/XXXX, my ex-husband relinquished all rights to the home/mortage we acquired together in XX/XX/XXXX. Since then I am the sole owner and responsible party for payments and related financial obligations. I have kept my mortgage current and have requested my lender to remove my ex-husband 's name from the loan on several occasions. The last time I was asked to submit the request in writing which I did in XXXX XXXX. The lender send me an acknowledgment on XXXX XXXX but will not take action. I have kept calling to inquire on the status of my request and no one can give me any guidance. Please help.
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CHARLES SCHWAB CORPORATION, THE (IL)

I filled a claim with Charles Schawb bank regarding fraud on my bank account in XXXX. There are over XXXX worth of charges to XXXX on my account with I did not make or authorize. The claim has been denied and upon notification from the bank I was provided with a document from XXXX which shows all of the charges on my card. That document shows, that my card was manually entered on all transactions except one ( which the card was swiped ) There is a name on the room that is not mine and the signature is not mine. These are fraud charges and need your help in getting my money back.
Consumer complaint received 2016-06-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (DC)

I was scammed out of {$200.00} by a person who claimed that he sell me a part for my dirt bike. 
I sent him the money via Western Union Transfer and now he is not answering his phone or returning any of my texts.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Federal Adjustment Bureau, Inc. (OH)

I have spoken with Fabco in the past and asked for verification of the account almost a year ago. I told them I did not believe I owed the amount they stated I did. The collectors tried to argue with me. I asked if something could be mailed. After having tried several times to have something mailed and receiving nothing, I gave up. I received a call today ; almost a year later ; and the women whom I spoke to was quite snippy. She did not give her FDCPA disclosures or even tell me the call would be monitored and recorded before telling me the account was too new to dispute. I again asked would she send verification of the charges. She said they had already been sent. I then told her I did n't receive them. She gets very quiet and does n't say anything. I ask if she can hear me and then she says she was just listening to me go off on her. I 'm confused at this point and I tell her if they ca n't dispute the charges as I asked and send me itemized statement of the charges ; I did n't care. She then said she would n't waste her time either.
Consumer complaint received 2015-09-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (NC)

I borrowed XXXX was told my payoff fee total was XXXX which i have paid off and they are still charging me another XXXX dollars. It changes everytime I call them. The woman keeps going back and forth on the phone call. I paid on time and early and they say I owe late fees and charges for another loan I did not commit to as well as finance fees. It is a big scam and sincerely unclear on the rules. Documents keep changing fee amounts.
Consumer complaint received 2022-02-09
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. (TX)

Experian has failed to do their due diligence in they investigation and facilitated fraudulent activities by removing inaccurate information and then putting it back on my consumer report, which has resulted in significant damages such as defamation of character and humiliation, as shown in the attachments below. Experian is also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent. And I know banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( 1 ). As a result of their carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow them to furnish a report on my behalf. Furthermore, by providing credit transactions that are to be excluded from my report, they violated 15 USC 1682a ( 2 ) ( A ) ( i ). As well as in accordance with 15 USC 1681a ( 4 ), I did not initiate the credit transaction, which constitutes aggravated identity theft. Experian were not giving any written instructions about furnishing things on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following conditions : in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2020-04-09
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. (FL)

RE : XXXX  XX/XX/XXXX, began making requests to update mortgage payment information. Contacted XXXX XXXX  and verified XXXX submitted mortgage payments update XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Between XXXX, XXXX and XX/XX/XXXX, I spoke repeatedly with the Special U.S. Handling Team and they indicated repeatedly they were updating my report. 

XX/XX/XXXX, I spoke with XXXX XXXX, Supervisor in the U.S. Special Handling Team Department, XXXX. She specifically stated " No one would be making the updates/corrections to this account. '' RE : Experian XX/XX/XXXX, we began requesting the same mortgage payment update. After paying their monthly fee and filing repeated complaints, no update has be made to my credit report. 

RE : XXXX  Updated my credit record XX/XX/XXXX.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have continuously contacted the credit bureau and the creditors, whom refuse my dispute of the validation of these inquiries. The representative could not provide me with validation as requested, other than stating that the inquiries were a " statement of fact ''. I have continuously advised the credit bureau that these inquiries do not belong to me, and request that the following inquiries be removed.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

XXXX did not send me a bill for my purchase in XXXX. When I called today they said they emailed it to me. I explained I do not get bills electronically and only get paper. They did this to my spouse too. Please someone look into this. So many people are going to get lat fees and interest charges for something they did not sign up for. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-11-26
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MO)

We are behind in our mortgage due to hardship but do not qualify for modification. I have requested a payment history, we have not received I have sent in paperwork for repayment plan, they claim not received. We do not have a single point of contact to work with for repayment plan, I can not access any information regarding our loan on line, We are requesting a single point of contact to go over options of repayment plan.
Consumer complaint received 2022-02-09
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. (FL)

I have disputed an account XXXX  with XXXX XXXX XXXX that has paid in full but is still reflecting the full balance. The account was paid with proceeds from the sale of my house at closing. The title company has supplied me with a copy of the check that cleared the bank and proves they have received the money. I have submitted this and the account only got updated that the balance is still due and increased. Dropped my score XXXX points while in the middle of buying a house.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

My mortgage lender, XXXX XXXX XXXX  transferred my loan to PHH Mortgage as of XX/XX/2021. There is a loan modification that is supposed to be taking place in order for me to become current on my payments ; however, I have not received any official information from PHH as of today. I have called them numerous times over the past two months, and had several scheduled phone appointments with their representatives to discuss the plan for my repayment- only to be told that they need additional time to process and review my loan. I was told initially that I needed to sign a packet with information regarding my modification and return it to them to process the modification. I was also told that I didn't need to complete this packet and they had all the information they needed from me. Either way, I have received no such packet. I have received letters about my delinquent loan ; however. I've also received calls to collect the money owed. On my end, getting in-touch with them is extremely difficult. A couple of weeks ago I tried to speak to a manager, and after holding for XXXX minutes I was hung up on. I have never received such horrible customer service. I am so afraid that my mortgage will default to the point of foreclosure, and I don't want that to happen. All I want is to get the loan modification underway, and become current on my payments.
Consumer complaint received 2016-06-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

Springleaf Lending decided discriminately to raise our monthly payment to an amount that we ca n't afford. When contacted the only justification given by their customer service manager was that we would not be able to pay off the balance in full in a reasonable time. I say they did this discriminately because their customer service manager acknowledged that Springleaf offers a reduction in interest rate assistance to other customers, and that even though this raise in payment had nothing to do with our credit rating ( which has improved over the last two years ) and it fell outside the original terms of the loan, they were doing it anyway because it was in our best interest. How can it be done in our best interest if we are struggling to make the lower payment as it is? We incurred this debt and are trying our best to pay it off but we are encountering predatory lending by Springleaf who knows that we ca n't meet the new payment while racking up finance charges and penalties, as well as discriminating against us by not offering us the same terms in a reduced interest rate they are admittedly giving to other customers.