davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

For the last 4 days I have had issues getting information off my credit from Equifax. I have verified my full name, social, address, date of birth and issues related to me. I have had to be on the phone over 30 minutes. I have faxed information including my driver lic and social to equifax. to remove error off my credit. to no prevail I am repreatedly told I have to fax the same documents over and over.
Consumer complaint received 2020-07-21
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: CORELOGIC INC (PA)

XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Credco XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.
Consumer complaint received 2017-08-01
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: EQUIFAX, INC. (CA)

According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by XXXX, Equifax and XXXX : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted XXXX, Equifax, and XXXX on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

This morning I deposited my commission check as usual, at the beginning of the month and paid my monthly bills ( as i do EVERY month ). Then I went to get gas and my card was declined. My son was at college and tried to pay for a class and his card was declined. I have several ACH withdrawls that are supposed to come out today/Monday as well. So I call in to USAA and was told there is a 3 hour hold time. I decided to login to my online acct and everything is showing as unavailable so I chat in. The lady tells me that my accounts were sent in to investigations because of all the transactions today, that they wanted to make sure someone hadn't stolen my card. I told them " no, they are my transactions '' and to unlock my account. She proceeds to tell me that it may take up to 3 business days. In the mean time all my checks and payments are going to bounce???? This is unacceptable. A simple phone call from them could have prevented this. I asked for a supervisor and she told me she was sorry but none was available. HELP PLEASE! they have all 4 of my accounts tied up and locked and I can't get gas or groceries or anything.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NY)

I have a nearly perfect credit record on all 3 credit bureau reports. The only blemish is one late payment on my Ocwen mortgage listed in my XXXX and XXXX accounts. First, I never had a late payment. Second, When I closed my account with Ocwen during XX/XX/XXXX, I had no late payments reflected. Third, three years after my account was closed, paid in full with no late payments, Ocwen reported my last payment on my account as 30 days late? They entered this update during XX/XX/XXXX, like it was a recent missed payment on my XXXX   and XXXX account. I mailed Ocwen with documentation twice, and twice they never answered my correspondence, even though they are required to send me a reply within 30 days of receipt. I have proof of receipt with a signature for both letters and background documents that I sent. I have also tried to correct with XXXX and XXXX, but their response has been that Ocwen verified that the information is correct. In both cases, XXXX  and XXXX  did not explain how they completed the reservation or who they talked with at Ocwen. 
All I want is an answer back from Ocwen : if this complaint doesn't work, I will hire a lawyer and sue them under the FCRA. 
Thank you.
Consumer complaint received 2021-07-16
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: General Motors Financial Company, Inc. (TX)

I am currently a victim of identity theft which is why I filed a police report with the XXXX XXXX police department as well as a FTC report. I did not authorize these inquiries to be placed on my credit. I never wanted to apply for auto loan with these companies please remove them immediately off my credit report.
Consumer complaint received 2020-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2020, my account was closed. On XX/XX/XXXX and XXXX i received a deposit for {$540.00} then for {$190.00} totaling {$730.00}. I was told a cashiers check would be sent out in 10 days when i called on the XXXX of XXXX. On XX/XX/2020, the funds were supposed to be getting mailed out. On XX/XX/2020, i called in to find out my funds are flagged for review. Since then ive progressively went from calling daily ( by their request ), to weekly. It is now XX/XX/2020, and ive put in multiple request, spoken to multiple agents at bank of america, and yet the biggest update i received was about 2 weeks ago when a supervisor stated she's emailimg the back office and the review team and her boss as well to get this resolved. Unfortunately when i called back earlier this week there was only a note on the account that stated i will be getting my check, but theres no update from the review team, no estimated or confirmed date to send it, nor any information on why it can possibly be taking this long. During this whole process i received 3 letters. One saying my account was closed, one saying my account is under review, and the 3rd being a monthly statement.
Consumer complaint received 2018-02-25
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: Colony Brands, Inc. (KY)

Unauthorized credit Inquiries listed on XXXX. 
XXXX refuses to remove the unauthorized Inquiries. 
Told me I have to contact them to remove them. 
I'm a victim of identity theft due to XXXX data hack My information was compromised Someone is using my identity.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX I cosigned a private XXXX XXXX Loan for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point
Consumer complaint received 2017-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ASTA FUNDING INC. (NY)

Today, I received an income execution from the XXXX County Sheriffs Department datedXX/XX/XXXX,  indicating that my wages are going to be garnished for an original debt amount of : XXXX due to XXXX XXXX XXXX with an original judgement date of : XX/XX/XXXX. <P/>It also added an additional {$5600.00} for interest, {$620.00} for XXXX, {$40.00} 1rst stage and $ {$30.00} for 2nd stage, for a total due of : {$13000.00} payable to XXXX XXXX XXXX XXXX. Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago! In addition, the interest on this debt seems exorbitant and unjustified. This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.
Consumer complaint received 2018-06-29
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. (AL)

After disputing a debt from a collection agency company named XXXX XXXX over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from XXXX XXXX. I have directly disputed the credit bureaus Transunion, and XXXX about XXXX XXXX claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus Transunion, and XXXX with no knowm resolve as well. I have sent certified mail to XXXX XXXX   on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either XXXX XXXX nor the credit bureaus Transunion, and XXXX.
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

We received our monthly statement from our mortgage company dated XX/XX/20. On the statement, there were 2 charges for $ XXXXea described as FAX FEE. I called their customer service number on XX/XX/2020, and due to high call volume, they let me choose a call back for XX/XX/2020. They called me back on XX/XX/2020, and I explained to them that I wasn't sure what the charges were for. The agent told me they were fees for payoffs and that I or my wife authorized them. I asked for proof that we authorized the charges and the agent said we must have called in. I told her that me nor my wife have ever called in, and never authorized those charges. I asked for them to provide me with a signed document stating that I authorized those charges and the agent told me they don't have to provide me with one. she said they would NOT waive the charges and they will remain on my account until paid. I told her I refuse to pay those charges unless they provide me with proof that I authorized them, and she said they don't have to. I then asked for contact information for their billing dispute department so I could write them a letter and the agent said " one moment '' then hung up on me. I have no other way to contact this company. I now have to wait until Monday to try calling again, only to receive a callback days later. I never signed anything with this company, they took over my mortgage from my former company. I most certainly didn't agree to any {$15.00} FAX FEE, I don't even own a fax machine. The company is Citizens One XXXX XXXX XXXX.
Consumer complaint received 2020-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

I signed on to the PSLF program and started paying in XX/XX/2009. I have completed all 120 payments, worked for the correct organizations, and was in the right repayment program. I have met all criteria. Yet when I applied I was told I have only made 35 payments of the 120 required. I was told the previous loan managers, XXXX etc did not provide documentation to Fed loan. Yet when I try to recoup the data by requesting documents and asked for an audit I was told no that I can not get my forms and correspondence etc. I was told an audit would take years. I talked with a person unaffiliated with fed loan that had access to my financial aid files and he could see all the documents and stated I mer all the criteria. I have no recourse and this places me in situation where I will have to pay an addition 7 more years or loans despite fulfilling my side of the contract.
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

A false accusation against XXXX has been made by OCWEN in response to Case number : XXXX XXXX XXXX, Ombudsman at OCWEN verbally told me over the phone that the problem I reported in Case number : XXXX was caused by XXXX. I am filing a separate complaint because this is a separate, serious allegation. I called XXXX XXXX, Executive Disputes Dept of XXXX at XXXX and point blank asked her if XXXX did the things OCWEN claimed they did. XXXX XXXX said that the incorrect information that appeared on my credit reports generated from OCWEN, not XXXX. She stated that XXXX did not cause all the other credit bureaus to report the false information which harmed by credit score. XXXX XXXX said that the only time XXXX reports to other credit bureaus is in matters of reporting FRAUD. 
OCWEN has repeatedly ruined my credit score in 2016 and has never taken responsibility, thus I believe they will continue to damage me financially since they are still not taking responsibility for this latest incident. 
I have received a letter from OCWEN that insinuates I am stupid for reporting this matter to the CFPB again. OCWEN maintains they have already responded to the CFPB about this issue. The fact that they are still committing the offense does not seem to trouble OCWEN. It is like someone received a traffic ticket for running a red light and is upset and calling the police officer XXXX for giving them a XXXX, XXXX and XXXX ticket for running the red light again and again. .It 's as if to say : " Officer, you already gave me a ticket '', as if XXXX ticket gives them the right to continue to commit the offense with impunity. 
Ocwen seems to be telling me that they have immunity and can repeat the offense as many times as they want now since the subject has already been addressed. 
OCWEN has also told me on many occasions that my loan will be pulled from all the credit bureaus any time I report them to the Attorney General and the CFPB for removing my loans from the credit bureaus. This is cyclic thinking and it is not logical. 
XXXX XXXX at XXXX XXXX XXXX can also verify that TransUntion did not alter my credit report because of a transmission from XXXX. Ocwen is trying to convince me that XXXX caused the financial harm my family is suffering now and all of 2016 since Ocwen began attacking my home loan which was in excellent standing. 
OCWEN also told the CFPB and the Attorney General that I had failed to get the Keep Your Home California recast document notarized and neglected to mention that after OCWEN took the KYHC {$76000.00} money and posted it to the loan in XX/XX/XXXX, they did n't send me the document that needed to be notarized because they REMOVED MY NAME FROM THE LOAN. Many months late, they sent me the form after putting my name back on the loan but neglected to include an address and a return envelope. OCWEN has exhibited a pattern of blaming others for damaging events that they caused.
Consumer complaint received 2020-07-21
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. (MI)

The XXXX XXXX  company has taken longer than 30 to resolve or respond to a dispute on my credit report causing me to look as if I am not responsible. This debt is from 2015 which is past the statute of limitation to report. I have been fixing my credit for 8 months and this company come and puts this information on my report as an open account. That is a false statement and a violation of the FCRA. XXXX XXXX  and experin are playing the blame game with saying that they reported it to the bureaus to take it off and the informaation would be sent back to the original creditor. Well that never happened. I had plans to get a vehicle for the summer and got denied credit due to this erroneous informaation being reported and now I have lost points and credibility. My integrity and my character has been blemished due to the negligence of this company. I spoke to XXXX on Friday XXXX XXXX and he stated that there will be a letter sent to expetian to update the information and the account should be removed. It has not been done til this XXXX day of XXXX. There were 2 accounts that were charged off and were reported as open accounts. 
This has caused me grief during the pandemic crisis. I have worked so hard to get my credit in good standings and for this company decides to put erroneous information on my report and now my rates are shooting out the roof with high interest rates. I am paying more my mortgage than I have to due to my credit score being lower than it suppose to be. I lost total of XXXX points for the negligence of this company, I want this company and experian to pay for the damages for my pain and suffering. I spoke to Experian and they stated that they never recieved notification to remove this account. At this point I have lost time that I can not get back.
Consumer complaint received 2016-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen purchased the mortgage on my XXXX condominium a number of years ago. They have been repeatedly sending me letters insisting that my homeowners insurance has lapsed and that I must obtain coverage or they will obtain it for me at my expense. Our homeowners association maintains this insurance, it has not lapsed for the 18 years I have had this mortgage, and I have faxed a copy of the policy to Ocwen three times. They continue to request the proof of insurance, even though I have called to tell them that I have faxed it to them, and now have sent me a letter on XX/XX/XXXX telling me that they have purchased insurance for me from a company named XXXX XXXX XXXX for {$390.00} annually and have added this cost to my mortgage without my consent. I also have individual homeowners insurance which also has not lapsed in 18 years. This is a scam which I have read all about them doing to other homeowners on the internet. I have always paid my mortgage on time and am also buying another home in XXXX with XXXX with no problems with that mortgage. This company is corrupt and needs to be put out of business.
Consumer complaint received 2018-07-02
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: PENTAGON FEDERAL CREDIT UNION (CA)

I applied and was approved for the PenFed Pathfinder Credit Card. The benefit includes a {$100.00} per year credit when using the card for baggage fees or in flight expenses ( food, drinks etc ). 

On XX/XX/XXXX, i used the card for a {$3.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX  XXXX TX On XX/XX/XXXX, i used the card for a {$26.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX On XX/XX/XXXX, I used the card for a {$14.00} transaction # XXXX, {$35.00} transaction # XXXX & {$16.00} transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX The total above comes out to {$94.00}. I was told i would receive the credit as soon as an eligible transaction is made. I have not received ANY of the 5 credits mention above. In fact, I WAS TOLD that i had to pay the {$15.00} minimum payment due on XX/XX/XXXX. I even was charged interest on the balance because the bank DID not credit my account as it should had been. This bank is not issuing credit on-time and taking advantage of customers by leaving the balance and earning interest when the statement closes. I made the {$15.00} dollar payment and was charge {$1.00} in interest on a balance that should had never been there. 

The only credit issued so far was the XXXX XXXX of {$100.00}, and that was credited about 4 days after use.