davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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: CL Holdings LLC (FL)

this is violation of code 15 u.s. code 1681i removal of inaccurate/invalidated credit information please remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

I deposited $ XXXX USD in a new checking account with Citi on XX/XX/21 to take advantage of a new member signing bonus. On XX/XX/21 I initiated a wire transfer of $ XXXX USD to another account that I also own at XXXX. They refused to process the wire transfer and have had my funds locked ever since. They claim that there is an internal review that is blocking my funds from being transferred, but 3 weeks later nothing has changed. They keep saying that someone will call me, but no one ever does. They refuse to close my account or allow me to access my funds until this " review '' is complete. They are nebulous as to what group at Citi is in charge of this review, calling it " the internal department '' and " the special department for you and your account '', and they always say that they are unable to allow me to speak to them.
Consumer complaint received 2022-02-04
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. (OH)

I sent letters to all three credit bureaus stating that the inquires did not belong to me and I did not authorize them at all. These letters were sent out XX/XX/2021 and I have yet to receive a response and when I call customer support they say that they cant remove it without me filing through you all.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We are required by XXXX to use B of A for our credit card processing, the fees being charged to each hotel is mandated by XXXX and for that reason we see unfair increases, and pay higher fees to B of A at our XXXX property, we use B of A for other hotels and the fees are not as high. 

XXXX kickbacks from B of A are driving our processing fees up over 5 % per {$1.00}... when industry average is 3 % or less.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

Equifax has allowed unauthorized hard credit pulls. See proof from XXXX and XXXX that they did not authorize the pulls. Please remove XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15
Consumer complaint received 2016-03-10
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (IN)

I purchased a home in XXXX Colorado in XXXX of XXXX that I had financed through GMAC Mortgage. As a result of a divorce, I was forced to file bankruptcy XXXX XXXX, XXXX, and the bankruptcy was discharged on XXXX XXXX, XXXX, and was closed as a no asset matter. 
GMAC filed a motion for relief from stay in the bankruptcy, and obtain permission on XXXX/XXXX/XXXX to foreclose on the house. Rather than foreclose on the house, GMAC sold the loan to Ocwen Home Loans. Ocwen Home Loans has sat on the house for the past five years, and has not foreclosed or taken possession of the property. 
Because GMAC sold the loan instead of foreclosing, and the fact that Ocwen Home Loans has sat on the house for the past five years, I can not be approved for a loan to buy a home for my family to live in. I was discharged from the mortgage over five years ago, but because of something out of my control, I can not be approved for a home loan.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

I requested a refund on my XXXX credit card of the value credited to my account due to a product refund. 

This was on XXXX. I was informed it would be XXXX  days. That was fine. It has now been almost XXXX. 

I contacted the company again and am informed that there is no record of my request and that I have to wait the XXXX days again. 

This is unacceptable, because I know that just like they can take money out of the connected account, they can also return to the account as part of the eft agreement.
Consumer complaint received 2016-03-07
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Paramount GR Holdings, LLC (WA)

I refinanced my home with Paramount Equity and used the money to pay my credit cards. Part of the requirement by underwriting to receive the loan I was told I had to close all of my accounts. I was also told to not pay any bills during the process of the paperwork. They had a third party person I had to contact so Paramount could verify I had closed my accounts. Today I found out that this process had ruined my credit rating and that this process was illegal. I am XXXX years old and I feel I have been taken advantage of illegally. The people I talked to today told me that this was the reason my credit score plummeted. He told me my score was under XXXX on XXXX score and the low XXXX on the other XXXX scores. He told me my credit score was near XXXX until this was done. Can I get some help.
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (PA)

XXXX XXXX offers a Mileage Plus Explorer credit card along with Chase Bank. The advertisement on the XXXX website says that if I apply for the card, receive the card and use it, I will receive a {$50.00} credit. I applied on the computer, received the credit card and used it, however, both XXXX and Chase refuse to give me the {$50.00} credit. There is no other condition cited on the website that I must comply with to receive the credit. I called twice and received a letter from Chase, but it makes no sense as to why they refuse to pay the credit to my account.
Consumer complaint received 2022-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

On XX/XX/XXXX, I was in a XXXX XXXX  and XXXX XXXX XXXX 
On XX/XX/XXXX I lost my XXXX 
XX/XX/XXXX, I filed for Forbearance with my mortgage company and was informed that I could make partial or no payments each month and too I would be able to place the amount owed on the back end of the loan. Since I was getting XXXX, I was able to make partial payments from XX/XX/XXXX to XX/XX/XXXX by calling the Mitigation team. I applied for a Modification to continue the forbearance. I did not make a partial payment in XXXX only but made partial payments for XXXX and XXXX. 

In the mean time I had applied for XXXX in XXXX XXXX. XX/XX/XXXX I was approved to receive XXXX ( XXXX XXXX XXXXXXXX XXXX ). I added the XXXX approval letter on the Mortgage company website and I called Mortgage Companies Lost Mitigation Department as well explaining that I was now receiving XXXX  and would like to discontinue with the forbearance. I also requested the loan be placed on the back end of my mortgage and to receive access online so that I can pay my mortgage. 

Since XX/XX/XXXX, I am still having issues when I contact my Mortgage Companies Lost Mitigation Department and their Relationship Manager to assist me with placing the loan on the back end of the mortgage and being able to pay my mortgage online. Every time I speak with someone they say, " We are XXXX  your documents for you sign and you will receive the by this date '' or " We are sending the documents '' and the documents never come. Citizens sent it to a Notary and I was not informed. The Notary called me to sign papers and she could not tell me what they were for so I thought it was a hoax and blocked her from calling. I called Citizens about this and ask that they send me the documents to look over and get them signed but they will not send me the documents. 

In the meantime, I have been making mortgage payments in full on XX/XX/XXXX up to XX/XX/XXXX by calling in to Lost Mitigation Department each month and making payments. They had placed me on Forbearance again for XXXX through XXXX of XXXX and told me not to pay for these months. I have held on to XXXX and XXXX payment. 

At this time, I still have not received any paperwork to sign. 

PLEASE HELP!!
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (MD)

AMSHER Collection services at XXXX XXXX XXXX XXXX XXXX, AL XXXX has been sending me collections notices in the amount of {$1700.00} the collection has been reported as a past due balance. I do not know this company.i have never done any business with this company, and this company does not have a contract with my signature.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

my complaint is in regards to an item posting on my credit reporting derogatory as XXXX XXXX Acct XXXX XXXX opened XXXX this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I previously sent letters to XXXX, XXXX, and Equifax in the months of XXXX, XXXX, and XXXX about incorrect information about a public record ( bankruptcy ) on my consumer report. However, the credit reporting agencies reported that all provided information was verified as 100 % correct.

I sent a letter to the bankruptcy court and their response is attached. It is clear they do not report and or verify any information to the credit reporting agencies, the information was not verified directly with the clerk of the court. The reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) and the information must be deleted immediately. I have also attached the information as it appears on my consumer report. Thank you for your attention to this matter. I am committed to ensuring the accuracy of my credit report, as provided for under the FCRA.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MD)

Chase transferred my account to XXXX XXXX XXXX during the loan modification process. In light of this transfer, I am requesting a " goodwill '' adjustment on the reporting of this account to the XXXX credit bureaus and removal of all late reporting.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX  on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

First issue I can not obtain a copy of my credit file anywhere, I never placed a lock on my credit file. Second I have disputed the following items many times and no response back. Your company is violating my rights I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX {$46000.00} XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX ORIGINAL DLA IS PAST THE STATUTE
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (ME)

Do to medical situations Myself and my Wife can no longer make our mortgage payments. Our home has been for sale since XX/XX/XXXX with not even XXXX offer until two weeks ago. The offer is less than the total balance but agreed to the lesser amount. Myself and real agent submitted the paperwork that was requested by Ocwen XX/XX/XXXX I received a letter from Ocwen XX/XX/XXXX stating " kindly provide a copy of XXXX benefit statement income in financial form of RMA ( XXXX XXXX XXXX '' The next line stated " Kindly provide a valid copy of bank statement reflecting XXXX latest transactions for the XXXX income. ( XXXX ) My wife faxed Ocwen the requested information again on XX/XX/XXXX. Another letter was received from Ocwen XXXX XXXX stating " Kindly provide a copy XXXX benefit statement income mentioned in financial form of RMA. " I called and spoke with a representative and asked them to be more specific on what exactly they are requesting. After I explained my wife does not receive a monthly statement from social security and the XXXX confirms her yearly earnings and the bank statement confirmed her monthly earnings the representative agreed and said that was all they needed. So today I have received another l asking me to provide the same information. Another call to Ocwen was terrible and they could not provide me with the what they need for additional paper work. I was transfered to a manager that basically would not listen to my questions and could not provide the correct answer as to what documentation they want. My real estate broker told me its a horror show dealing with Ocwen and now I agree. I had to spend alot of my time in a hospital. I feel so bad to sell my home and its turning into something no one should have to go thru tryning to deal with Ocwen.
Consumer complaint received 2021-04-29
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: Santander Consumer USA Holdings Inc. (AR)

I reviewed a copy of my credit report and I see that there is collection item listed that I am not aware of. I attempted to contact the collection company and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have account deleted.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

Can you help me or tell me who I can contact for help? My husband andI are 3 months behind in our mortgage payments to OCWEN. Wecontacted them for a loan modification. Yesterday we received a trialperiod modification that expires in 8 days. We were told what our newpayments would be, which are only {$40.00} less than our current paymentsare but they did not give us any other information about the terms of themodification. We were supposed to approve these new terms blindly in8 days ( by XXXX XXXX ) without any idea of what the new terms would be. 
Are they supposed to give us the written terms with the trial paymentletter? Because they did n't. 
My husband called OCWEN yesterday evening and asked about theterms of the modification. OCWEN said that we would have the sameinterest rate but they were going to add another 13 years to our loan tomake it a 40 year loan. The new payment would be {$1300.00}. For a {$40.00} reduction in monthly payment, we would have to pay an extra 13years of mortgage payments at {$1300.00} per month, or {$15000.00} peryear, totaling {$200000.00} in extra payments to reduce our mortgagepayment {$40.00} per month! Our outstanding loan is only {$140000.00}. 
Is this legal? Can they really consider that to be assistance? They'renot helping us, they are helping themselves. I think they want toforeclose on our house because we have equity. They are telling usthis is our only option. When we asked about the XXXX insettlement funds, we got the run around. We were told that we weren'tflagged for that money and that money was used for people who hadalready been foreclosed upon. I told her that was untrue, that only aportion of that went to people who were foreclosed already and that therest was earmarked for current customers underwater and/or havingdifficulties. She continued to give me the run around and was n't beinghelpful at all. When I finally asked for a supervisor, she put me on holdfor so long that I finally hung up. She never called back. I 'm sure sheleft me on hold to intentionally avoid discussing the settlement fundswith me. 
Is there anybody who can help us? 
Thank you
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been going back and forth with this Company Transunion about removing a Bankruptcy on my credit report that is not accurate or belongs to me. They keep stating that it is verified by XXXX and the court system and I have already submitted documentation from both sources that state they did not verify that information with them. I just recently sent them a letter stating that per the fair credit reporting act they have to submit me proof and documentation with my signature or any contracts that indicated this account is mine. They then indicated that the letter was not acceptable but then I called and spoke with a Supervisor that stated he was going to submit the dispute for me over the phone indicating that I need written documentation showing proof that this account belongs to me. By law they are suppose to submit that information to me within 30 days of my dispute and if they do not then they have to remove it.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is reporting an address in which I have never used? 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX is Reporting a inaccurate name : XXXX I XXXX XXXX is Reporting a inaccurate name : XXXX I XXXX
Consumer complaint received 2015-10-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

To increase the information available to me and the CFPB in investigating these matters, I kindly request that Scottrade provide me with all of the Exhibits referenced in Scottrade 's XXXX XXXX, 2013 letter. The Exhibits within the letter significantly advance my allegations mentioned above and the fact that Scottrade failed to provide them shows that Scottrade is actively hiding this information from regulators.
Consumer complaint received 2015-12-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from XXXX a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.