davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen Loan Servicing has been charging me for Insurance of my home when I am paying the home insurance outside of my loan. 2nd ; Ocwen Loan Servicing charged me more than I owe on my Bankruptcy Chapter XXXX case. Also charged me over {$3000.00} for Asset Preservation during my bankruptcy. 3rd. Ocwen Loan Servicing took a copy of my signature to produce a Legal documentation ( Modification of my loan ) filed in the Deed Records ; supposedly in front of a notary which is false. 4th. Ocwen Loan Servicing did not give me credit for money orders paid by me which I can show that they were cashed by them. They have tried to foreclosure on my home several time.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

When reviewing my credit report I was enraged to find a number of inaccurate reportings. One being a late payment that I was not efficiently warned of and is entirely inaccurate and then on top of this there are a few inquiries that I never authorized the release of my information for.
Consumer complaint received 2022-08-15
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1100.00}, XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX..., account # XXXX..., account # XXXX ..., XXXX # XXXX..., account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EMCC Holdings, LLC (NY)

There is a time share reporting on my credit report. When i call to get information on it they are unable to locate by name social email or phone. Not being able to identify or resolve this account either way is hindering me from home purchase.
Consumer complaint received 2022-08-15
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX..., account # XXXX..., account # XXXX ..., XXXX # XXXX..., account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2016-03-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (DE)

I made a payment on the online bill pay through Pnc bank. The payment was made weeks prior, but the payment was converted into a check for the business. On XXXX, I had a deposit come through the account. The deposit was processed after the check. This caused the checking account to fall negative. I was told the account fell XXXX dollar above the overdraft forgiveness. I was scolded, spoken down to and disrespected by the retail managers XXXX XXXX and XXXX. The refused to correct the problem that was a bank error. If the deposit was processed in timely manner the account would have never went negative.
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit, debit card, and through an intermediary named XXXX in the total amount of XXXX USD utilizing Wells Fargo services.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

The credit card company ( XXXX ) states they decreased my balance because XXXX, stated " The primary reason provide by XXXX   which impacted our decision were : Serious delinquency '' I immediately, checked my XXXX  report, and there is NO DELINQUENCIIES. 

I called XXXX Credit Card company XXXX and XXXX and they stated that XXXX  did report the above statement. But XXXX  states they did Not report that statement. 

I received a decrease because XXXX fraudulently stated the above.
Consumer complaint received 2020-07-07
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: EQUIFAX, INC. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC. (UT)

XXXX XXXX purchased My Student Loans from ECMC Just before these loans were purchased by XXXX, ECMC charged me {$3200.00} in what they were referring to as " Collection Costs '' ECMC stated previously that if I brought these loans out of Default these collection costs would be dropped or lowered down to 6.7 % but this never happened These collection costs were then passed on to XXXX in what was just referred as " Unpaid Principal Balance ''
Consumer complaint received 2022-08-15
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. (MO)

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be updated. 
XXXX  XXXX : {$7300.00}
Consumer complaint received 2020-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

To whom it XXXX concern ; I filed for unemployment benefits in XXXX/XXXX/2020. My identity was stolen and so Bank of America had two accounts under my social security number. So when I realized in XXXX of 2020 I filed a fraud claim. I still have not received any response or reimbursement. I also can not received any of my recent claims because I froze my social security number with the FTC. Therefore I can not verify my identity. Please help me in this matter ASAP.
Consumer complaint received 2020-07-07
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. (VA)

I had a mortgage with XXXX XXXX XXXX that was paid off and closed in XX/XX/XXXX. Experian was still showing this account as open with a balance. On XX/XX/XXXX, I opened a dispute with Experian saying that the mortgage had been paid in full. I provided a letter from my mortgage company saying the same. I asked that the report be updated to closed and paid in full. 

After a month, I received a notice that my dispute had been resolved on XX/XX/XXXX. Instead of updating my account status, Experian deleted the mortgage off my credit report completely and my score dropped a significant amount. I tried to reopen the dispute that day, but Experian has not returned any contact. 

Ive since contacted the mortgage company and they said that they would update through eOSCAR, but I have yet to see anything corrected on my credit report. Experian has been non-responsive and its been extremely frustrating to get in contact with anyone to get this corrected.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I sent a wire transfer of {$3600.00} to a vendor to pay for medication through Chase XXXX Transfer on XXXX, XXXX. The funds were supposed to be available to the account I sent the funds to on XXXX XXXX. Today is XXXX XXXX and the funds are still not available. I have tried to call Chase multiple times to investigate and they have not responded. I have also emailed. I am getting no assistance in locating the funds or the issue.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to get rid of fraudulent accounts since XX/XX/2020 XXXX and Transunion seem to not be able to report accurate information Transunion XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX  XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX XXXX Credit Card still showing - needs to be removed ( Showing as Open and Current but has been in default since XXXX ) ill enclose my Driver license social security card and original identity theft report from XXXX
Consumer complaint received 2020-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CA)

XX/XX/2020 - I paid my daughter 's five ( 5 ) loans that I am co-signer. Sallie Mae correctly applied four ( 4 ) of the loans ; however, they applied the payment for the account ending in XXXX in the amount of {$74.00} incorrectly. Instead of applying it to loan XXXX, they applied a portion of the {$74.00} in small amounts to the other four ( 4 ) loans. 

XX/XX/2020 - I called customer service and was given the website upload.salliemae.com to upload proof of payment. The website doesn't exist. You must go into your account, log-in, and go to other forms and then you can upload the document. I sent them the proof from my bank, XXXX 's, web bill pay company showing proof of payment. 

I continued to receive daily phone calls and emails that the account was delinquent. 

XX/XX/2020 - I called customer service again and was told that the document that I sent wasn't sufficient proof and needed to send a bank statement with my name, account number, and payment to prove that I paid. I don't receive my bank statements until the end of the month so I had to wait. In the meantime, I also submitted a request with my web bill pay servicer to investigate and work to resolve the problem. 

XX/XX/2020 - Redacted my bank statement and faxed and uploaded it to Sallie Mae. 

XX/XX/2020 - Web Bill Pay emailed that Sallie Mae wouldn't speak with them and that I need to do a conference call with them and Sallie Mae. We called Sallie Mae and I was told that my account was now with the delinquency division. We were transferred. We were on the phone with Sallie Mae for 45 minutes. They confirmed that they'd received my bank statements and were sending them to the resolution unit and it would take at least three ( 3 ) days to update the account. My web bill pay company also faxed proof of the ACH payment from XX/XX/XXXX to Sallie Mae. 

During all of this, my daughter was working to refinance her Sallie Mae student loans with XXXX XXXX XXXX. 

XX/XX/2020 - I XXXX  and found the number for the Office of the Customer Advocate for Sallie Mae and spoke with XXXX ( ext. XXXX ). She said that they'd received the proof ; however, she couldn't email or mail me a letter indicating that account XXXX was timely paid and an error on Sallie Mae 's side caused the account to be delinquent for a few days. I told her that my daughter 's loan refinance was being held up because of Sallie Mae 's error. Her loan approval expires on XX/XX/2020. XXXX offered to do a conference call with XXXX. 

I am filing this complaint because I am sure that I am not the only one experiencing issues with Sallie Mae. Their error has cost me hours trying to prove that payment was made and may cost my daughter the refinancing of her loan. We also have to pay Sallie Mae the XXXX payments which are {$500.00} more than our payment would be with XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

Mortgage account with Ditech for non-owner occupied dwelling. Property management firm pays mortgage on my behalf. 
XXXX payment received XXXX. Ditech mis-applied payment to another account mortgage company also pays on behalf of another client. Ditech attempted to call me starting XXXX, unfortunately I was on business travel and unavailable. Connected with Ditech on XXXX. After several phone calls Ditech agreed to their error, reversed late charges and corrected account. On XXXX Ditech contacts me again with another claim account past due. XXXX check cleared bank XXXX, hence could not have been past due. On XXXX again after several calls with Ditech they agree to waive late charges. However, on XXXX Ditech informs credit reporting agencies my account is not paid in timely basis, credit score drops XXXX points. Ditech commits to inform credit agencies, but given recent event I have no confidence Ditech will do as commited
Consumer complaint received 2017-01-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (WI)

My Bank, Wells Fargo Bank in XXXX, WI suddenly changed a practice from the one I was accustom to doing my banking based on, to one that I was completely unaware and unfamiliar with. This change resulted in me incurring over XXXX in overdraft fees over about a two week period of time, before I was able to learn what was going wrong. The changed practice was to start assigning the prior days date to transactions that arrived at the bank after either XXXX or XXXX. In addition they took overdraft protection off my account after persuading me to switch to a different type of account without informing me that this new type account would not include overdraft protection. The combination of this two events at the same time resulted in me paying all those OD fees on my checking account while having money in my savings account that could have covered the purchases had I been aware. But by assigning the prior days date by the time I became aware the overdraft fee was already applied. Additionally, I was in communication with Wells Fargo bank daily trying to get a handle on the situation. However, it was not until toward the end of the situation that bank staff informed me about the removal of my overdraft protection and the new practice of assigning the prior days date to charges coming through after a certain time.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of ID Theft about 3 yrs ago. I went a tax service to have my taxes prepared, later I was informed that I may have been a victim of ID Theft. I ordered a copy of my report and noticed several items that I did not personally opened. I am requesting the following items be removed from my credit report. 

XXXX XXXX opened XX/XX/XXXX balance : {$38000.00} XXXX opened XX/XX/XXXX balance : {$35000.00} XXXX opened XX/XX/XXXX balance : {$18000.00} XXXX opened XX/XX/XXXX balance XXXX {$8700.00} XXXX opened XX/XX/XXXX balance : {$10000.00} XXXX opened : XX/XX/XXXX balance : {$2900.00} -XXXX  opened : XX/XX/XXXX balance : {$15000.00} -XXXX  opened : XX/XX/XXXX balance : {$14000.00} XXXX XXXX XXXX  opened : XX/XX/XXXX balance : {$18000.00} XXXX opened : XX/XX/XXXX balance : {$7200.00} -XXXX  opened XXXX XX/XX/XXXX balance : {$2800.00}
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that this is being reported efficiently as per the Fair credit Reporting Act regulations. I have done many attempts to reach out the XXXX XXXX XXXX but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/2XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 .