davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Information Sent to the Florida Attorney General XX/XX/XXXX - Note : we spent 45 minutes on the phone with assistant XXXX XXXX, from the AGs office giving us these instructions. 

In XXXX, we were the victims of predatory lending by XXXX XXXX, a former CA company. It was an adjustable loan that soared from a manageable {$700.00} a month to {$2500.00}. We hired the XXXX XXXX firm, in XXXX XXXX, FL and our case was dismissed. 

In XXXX, PHH-OWCEN acquired the mortgage and in XXXX, XXXX we met with a mediator and the mortgage company quoted us a price of {$310000.00} to buy our house. We had significant roof damage and black mold in the garage and confer offered {$290000.00}, We agreed to have an appraisal and although we provided our schedule, the appraiser came the day after we left for vacation. On the second agreed upon date, the appraiser didnt come. This is a violation of an agreed judgement. 

Prior to our hearing in XX/XX/XXXX, we offered to buy our house for {$310000.00} and gave them the required paperwork. The paperwork wasnt acceptable, and our offer was denied. At our hearing on XX/XX/XXXX, one witness was denied the opportunity to testify and the other now works for PCC-OWEN and he also was denied the opportunity to testify on our behalf. 

We feel that we have been the victims of a complicit judicial system XXXX XXXX, PHH-OWCEN and the law firm, XXXX, XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX counsel. 

We are asking the Attorney Generals office to stop the XX/XX/XXXX hearing and investigate the illegal action of PHH-OCWEN. 

https : XXXX? XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX we were 20 days away from a dismissal XXXX XXXX XXXX
Consumer complaint received 2019-03-29
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. (NJ)

This is my second written request to verified accounts that appear on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts.This time an FTC complaint could be filed and is attached to this complaint. Thank you
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (OR)

Selene Finance is the service my loan was transferred to, by XXXX XXXX. I spoke with XXXX at Selene today to indicate I was wanting to participate in the modification program that was offered to me in their letter dated XXXX/XXXX/2016, which I received on XXXX/XXXX/2016. He told me I was not allowed to participate in it because the house was already foreclosed on. The letter said I had until XXXX XXXX, 2016 to decide and have the paperwork to them by that date as specified in their letter. Why was this offered to me if they had no intention of allowing me to participate? Why did they inform me I had until XXXX XXXX, 2016 to get them the required documents?
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

Venmo has frozen my account, I have {$340.00} dollars in there, I filed several complaints with them and even chatted online, they say they are super busy and looking into it. This has all started on XXXXthey keep giving me the run around and dont even say why it is frozen. Please help!
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act accounts XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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 2017-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TN)

EQUIFAX is illegally reporting accounts appearing as XXXX XXXX and XXXX XXXX on my credit report and multiple inquiries that came from 1 offer from XXXX. DUPLICATE INCORRECT MEDICAL ACCOUNTS XXXX AND XXXX THAT INSURANCE FAILED TO PAY OR NOTIFY AND WAS SETTLED. This is also very inconsistent with my other reports that they can see as I was duped into buying the XXXX credit over the phone. XXXX/XXXX/17 I disputed these items for a 2nd time with EQUIFAX and they came back verified again but with no verification proof. I contacted both companies and seems everyone either refuses to talk to me or seems to leave me on hold for long periods of time. So, I wrote them a letter demanding them to send me any information on this debt that I was being held liable for and I got no response. This is CRITICLY damaging my credit score and has been for almost 1.5 years without me knowing. They have been appearing as negative items. I called XXXX and they refused to talk to me and stated the only way to fix it is through the credit bureaus. XXXX/XXXX/17 I contacted EQUIFAX and I was told it was verified. I asked what method of validation was used and did n't receive an answer. This is very illegal and goes against all of the federal laws. 

I disputed some items with EQUIFAX and they were not resolved so I decided to pay and get a more detailed report. I tried to setup online but after the signup I was taken to a number to call to verify my info. So I called in on XXXX/XXXX/17 for some assistance with activating my account. I called the number an a foreign gentleman asked me some basic questions and reset my password but nothing to really re-verify who I was. He then asked me why I wanted a login. I mentioned for verifying all my information was correct. He then said great I 'll get your payment now. So I was then sold the XXXX credit report when I said can I not do it online he said I may have problems because of resetting my password. Later, I feel duped and kinda mad the way the guy seemed to speak down to me. I 'm sure those calls are recorded. 

CONF # XXXX
Consumer complaint received 2022-07-31
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. (ME)

Continuation of Experian. They are not allowing me to dispute inquiries from companies. This is the sixth time I've gone through them, and they still refuse to put an employee on the phone with me, nor resolve this account. There is a XXXX point discrepancy from my XXXX and Experian. This is my last attempt resolving through you before I create a civil suit.
Consumer complaint received 2022-10-24
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. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-06
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: CITIBANK, N.A. (GA)

I have contacted XXXX Credit Agency for over 2 years with same problem I have provided documents to XXXX. They have my died father information on my credit report like his 4 credit cards and also his name listed on my credit report I have told them to remove his name off my credit report plus they have several address that are wrong on my credit report
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

I called the XXXX number because they were several {$36.00} fees on my account. I have n't called to have any of the fees waived on my account in years. I am disable and I asked the young lady XXXX employee # XXXX could she waive any of the fees. XXXX advised me that US Bank do n't waive any fees. When I asked her for a number to someone that I could speak to that 's over her. She gave me a p.o.box nnumber. I have been a customer at US Bank for over XXXX years and have even recommended family members to open up an account. I felt that the young lady was very rude and was n't even trying to work with me. To loose a customer that 's been a customer for years over {$72.00} fee is insane. Before I became XXXX I worked with many customers in order to make them happy. An employee like XXXX employee # XXXX could give US Bank a bad name with consumers.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (TX)

I have an open and current account with US Bank for the XXXX XXXX XXXX XXXX XXXX XXXX. 

In the XXXX 2017 statement for my card, I observed a discrepancy with the calculation for earned XXXX rewards points for the charitable donation transactions. 

According to the program rules for the XXXX rewards program, the XXXX XXXX XXXX card earns points " at a rate of XXXX XXXX per every {$1.00} in Net Purchases during each billing cycle for any merchant location that classifies itself as a XXXX. '' All the transactions on that statement were from merchants that classified themselves as a XXXX, according to the report on the statement generated by the ScoreBoard tool available in my US Bank online account. With a closing balance of {$1200.00} on the statement, I expected to receive XXXX XXXX XXXX = XXXX XXXX points for those transactions. Instead, my statement only reported XXXX XXXX points earned for that activity. 

I believe that XXXX transactions for XXXX XXXX XXXX totaling {$690.00} were not counted as charitable donations, which would account for the discrepancy I observed. 

On XXXX XXXX or XXXX XXXX, 2017, I used the " Email Us '' contact form in my US Bank online account to request an adjustment in the number of XXXX points earned to be consistent with the XXXX program rules, in light of the observations I made. This contact was acknowledged in an e-mail reply I received on XXXX XXXX, and on XXXX XXXX, I received a letter in the mail from " Cardmember Service '' in response to the request I made stating that " XXXX XXXX XXXX is not an eligible service organization '' and therefore, I would not receive bonus points due for charitable donations. 

I did not receive any explanation for why this determination was made, given the program rules and the observations I made, so I am wholly unsatisfied with this response from US Bank and I feel that my complaint did not get due consideration.
Consumer complaint received 2022-08-23
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. (NC)

XX/XX/2019 {$3800.00} XXXX this account doesnt belong to me, ask several times to verify information with no response.
Consumer complaint received 2022-10-24
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: Sequium Asset Solutions, LLC (TX)

I have made several attempts to resolve things with XXXX but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is my last attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent XXXX XXXX or XXXX XXXX. All XXXX credit bureaus are not on the same page about a late payment that's on my consumer report and now i'm paying higher interest rates on my mortgage.
Consumer complaint received 2022-04-25
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2017-03-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

This bank is actively charging people for overdrafts when the account balance was never negative. The branch manager hides in her office and refuses to speak with customers. The branch manager also routinely refuses to provide contact information to others in the company to register a complaint. US Bank is proving to be a dishonest and corrupt organization. The personal banker went so far as to make the statement that it is not a crime for the bank to clear items in an order that would generate overdraft fees.
Consumer complaint received 2022-04-25
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2021-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

In XXXX I wanted a better career and saw a XXXX XXXX ( XXXX  XXXX institution ) advertisement for Diagnostic imaging. I decided to call the XXXX, PA location to obtain more information about the program. I was told to come in speak with an advisor. they would call me multiple times to get my to come in. finally I went, spoke with a recruiter about their XXXX  XXXX  program as It showed I could make over {$40000.00} a year. At the time I was a mother of 3 and needed change. XXXX XXXX immediately pressured me into enrolling stating they have a XXXX XXXX class starting soon. I was confused because thats not the program I wanted. they told me I had to have XXXX XXXX  experience to attend the XXXX XXXX program if not I need to do the medical assistant first then I will be ale to attend the Cardiovascular sonography program, which wasn't even accredited. I was excited for my future as they induce me to enroll. XXXX made numerous false representations regarding the schools ability to place graduates in jobs, the salary I would earn in such jobs, the support it would provide me in securing post-graduate employment, and the transferability of its credits to other programs. It was all false! after graduating in XX/XX/XXXXI was stuck with a heavy XXXX XXXX, could find employement and couldn't use my credits for nothing. this program was a waste of my time and money. As of today I continue to have this burden of a loan in the amount of XXXX attached to me for a diploma that was useless by deception. Now this school has closed and has misrepresented a lot of student and we are left with debt.
Consumer complaint received 2020-02-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

I have been hospitalized several times and have had several XXXX. 
I need mortgage assistance with my home because I don't want to lose my home. 
I have recently request mortgage assistance several times and Chase is unwilling to to assist me. I don't want to lose my home. 
Please Help
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (LA)

I wired money from my Chase account to my XXXX XXXX  in XXXX XXXX XX/XX/2022. 
XXXXXXXX XXXX  apparently wired the money back to Chase via XXXX XXXX in XXXX XXXX as they explained that they " can not accept international payments from another South-African bank. '' It sounds to me that the money is at XXXX XXXX and Chase has to get it back from them. 
I did communicate with Chase on multiple platforms, via email, on the banking app with secured messages and I communicated with my banker at Chase, but I still did not get any answer on where and how I can get my money back.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-24
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights te privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-31
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. (MN)

I have sent a Federal Trade Commission Identity Theft Report to Trans Union, XXXX and XXXX. The following accounts and credit inquiries currently listed on my Trans Union, XXXX and XXXX credit report are fraudulent, unauthorized, and not mine : Accounts : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, Credit inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX. XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX.