davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

Ocwen better know these days as, '' PHH '' is involved in fraud ; deep and far reaching. I have filed complaints with the XXXX, I have called upon Government Agency to no avail, and still the fraud continues. 

In XXXX, once it became clear no real effort on behalf of this Mortgage Servicer was made or ever going to be made to bring this issue to a resolution, I made it clear they would NOT receive further payment. As a direct result of ALL my rights being violated without question, provable and factual ; my ability to earn a living and any semblance of peace and been usurped and in its place conflict and strife, in order to defend my land against these criminals. 

I have provided all required documents to prove a. my home is paid off, and b. PHH is involved in a fraudulent foreclosure, using deceitful practices akin to those of 2008. As they have not learned their lesson then or now, I will be suing this company. In an attempt to expose this fraud, protect myself, and ALL those who may be affected by such harmful practices with zero protections or help. I am doing this for all those reasons. I've lost so much in fighting this battle ; sleep, money, peace, resources. I intend to get it all back and do my part to expose this. Here I am again reaching out, this is how the working poor are treated.

I may not have a formal education, but I'm smart enough to know I have a case, and I'm bringing the fight directly to this mortgage servicers that lies, and lies some more. They'll have to prove all my accounts and recordings are false ; which won't happen.

As a result of this servicer dragging this on issues with respect to escrow have come about, issues brought on as a result of this servicer purposeful actions to keep account open, understanding that I would not pay them direct, I'll pay my property taxes on my own for me to send them payment is my acknowledgment that a debt is owed to them which it isn't. This is in protest, that it may reach the right eyes and ears and receive genuine help. 

XXXX XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company (NC)

I recently found out that my mortgage company reported that I was delinquent on my mortgage payments. This is not true and an unfair reporting as a new customer. I never asked for Freedom Mortgage to buy out my loan and they have had zero communications with me about any changes in due dates and such. They only sent me a letter stating they had purchased my loan. After setting up my initial account, I continued on, assuming that the due date ( XXXX of each month ) would stay the same as it was with my previous company. I have never had any issues with late payments in the past ( ever ) and my report proves this. I have only had issues with Freedom Mortgage. After months of issues and late fees, I was curious as to what was going on. I contacted them, speaking with someone about the issues. I was told the due date was the XXXX of each month. My ( previous ) normal due date the ( XXXX ) was now the ( XXXX ), which made it show I was late. Auto pay will not pick up on this change, Thus showing I was late far later than I would have been with my last company ( XXXXXXXX XXXX  ). I spoke to someone about the due date, I was denied a request to have it changed. I contacted Freedom about this and requested an official review from the website. Spoke with someone about expediting the process to have it removed from my credit report and my response was it will take about a month for a response. This has already affected my personal credit report which WAS outstanding. My score has dropped XXXX points, all because of communication issues with Freedom. Keep in mind this is from a single payment, not a delinquent account months behind. Very unfair...
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A Charge Off from Capital for the amount of {$2600.00} and {$2100.00} is negatively affecting my credit report. I have filed several disputes and no resolution has been made. 

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I am exercising this right to dispute the charge off on my credit report. 

Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 USC 6801, credit bureaus are required to maintain the accuracy and integrity of the information they report. The charge off on my credit report does not meet this requirement. 

In addition, I would like to bring to your attention that charge offs are considered gross and ordinary income under the Internal Revenue Code, and as such, should be reported as such on Form 1099-C by the creditor. Failure to issue a 1099-C for the charge off may result in penalties for the creditor.
Consumer complaint received 2020-09-03
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. (NY)

When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from XXXX, Equifax and XXXX I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with Equifax XXXX Confirmation # XXXX XXXX. As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX   XXXX ). This is the only amount that still shows up on each statement until XXXX   XXXX XXXX attached statement ). The statement for XXXX XXXXXXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.
Consumer complaint received 2023-03-09
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: AMERICAN HONDA FINANCE CORP (MS)

On XX/XX/2022 I sent a letter to each of the negative accounts on my credit report informing them that the account was the result of credit fraud from idenity thief and that l wouldn't accept responsibility for those accounts. I never heard back from them. 
The accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXXXXXX XXXXs and a collection company. 
On XXXX XXXX I contacted the three Credit Reporting agencies and told them I was a victim of identity thief and disputed each of these accounts. 
On XXXX XXXX I received an E-mail stating that each creditor had verified that the information was true and correct and wouldn't remove the accounts from my account. 
I have been in prison since XXXX XXXX and I am still in prison today, my MDOC # is XXXX And I also informed the creditors of the same information. 
All of the accounts were opened during the time after I was XXXXI couldn't sign for any of these from XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is reporting a charged off account on my reports that I have been disputing with each consumer reporting agency for a while now. 
This account is reporting multiple inaccurate and inconsistent information between each bureau such as different account numbers, open dates, last active dates and last payment dates. If all credit bureaus receive their information from the same place, how is it that each bureau is reporting something completely different than the next? 
The consumer reporting agencies are legally upheld to report 100 % accurate information on a consumers reports. They are supposed to conduct a thorough investigation into all disputes received and they have failed me. 
I am demanding that this account is deleted from my reports now as they are in violation of reporting this account per the FCRA. And please don't respond back with no generic response, a REAL INVESTIGATION SHOULD HAVE BEEN CONDUCTED NOT NO EOSCAR.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

XXXX & Convergent Outsourcing. I returned all the equipment and paid all my bills but they can't tell me what I'm being charged for nor why this is still on my credit report as a collection. Furthermore I'm sure this is at least if not more than 7 years old. I have not had XXXX in some years but they keep placing it on my credit report and it's costing me thousands of dollars as a consumer. It is the only derogatory comment on my credit account and is affecting me more than anything. There is no money owed to XXXX at all and I'm not sure where they are getting this information from. I spoke with convergent outsourcing and they have no idea other than they just want me to pay. I don't know what I'm paying for and it almost seems scamish.
Consumer complaint received 2020-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Hello, I have made a total of ( 4 ) attempts to reach out to a Collection Agency name Midland Credit Management about a claim / debt they say I owe. All of my requests for Validation letters to show proof of debt owed along with my legalized signature has not been met. I received ( 1 ) response letter dated XX/XX/20 informing me that the debt owed was confirmed by original creditor and they sent a bootleg looking statement ( will be attached down below for reference ). No other information was provided me as per my request. I received a 2nd letter notifying me that during their investigation with the original creditor ; which could take up to 90 days they would notify all ( 3 ) reporting agencies to delete the collection ( this has not been done ) - letter was dated XXXX. These were the only two responses received back from Midland Credit Management. I requested for them to send me proof of signature or anything binding me to the debt they say I owe ( only received half of a statement with no pertinent details ). According to their notes this account was charged off on XXXX. 

Thank you!!
Consumer complaint received 2020-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed negative and erroneous items on my credit report, and i haven't heard a response back yet, and its been pass the 30 day deadline. I sent off letters via certified mail on XX/XX/2020 they received said mail XX/XX/2020. XXXX and TRANSUION
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is Experian did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on Experian Which is a violation. This is impacting me from moving forward to buying a house for my family and a vehicle I attach my previous credit report and my new credit report to show how Experian violated my rights.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (FL)

this is my 2nd attempt I am interested in disputing all inaccurate information on my credit report with Equifax. checking all information alot of data is invalid an hindering my file. please remove all data that is listed to help my credit report asap.
Consumer complaint received 2023-03-09
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: ID Analytics, Inc. (CA)

This complaint is addressed to SAGESTREAM LLC. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 
My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2023-03-09
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. (NY)

To Whom It May Concern : I am writing this letter to dispute the results of a previous investigation made by your bureau regarding my credit report. I do not agree that a full investigation was made into the account reported by XXXX XXXX XXXX ACCOUNT # XXXX and ACCOUNT # XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how the account was validated, the representative from whom the validation was obtained, the name and contact information of the company, the phone number, the last day of delinquency, the last date of activity, and whether they are properly reporting under my FCRA rights. 

I understand that the account reported by XXXX XXXX XXXX is a past-due amount, but I do not have an open account with this collection company, and I was not provided an original validation with my signature. Additionally, XXXX XXXX XXXX is actively charging off the account, manipulating payment history, and is in violation of the FCRA. 

Therefore, I demand that these accounts be removed for these violations, and if your bureau can not confirm that every piece of information is 100 % correct, then I demand that it be removed from my credit reporting. 

I am requesting that you investigate this matter promptly and provide me with a written response within 30 days of receiving this letter. Please also send me a copy of my updated credit report reflecting any changes made as a result of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I had problems with Citizens Bank before in XXXX due to erroneous fees. 
I decided to close my account in XXXX. I tried various times to close the account. But the bank does not stop payments, and twice I emptied my account, but an existing out-pay charged against the account. Since it was my fault, I paid the fees and asked again to close the account. 
I send a letter to customer service. No response. 
I sent secure emails in the Bank App. To my surprise, that email was DELETED. 
I went to the branch, and the manager told me that he could NOT close my account. Finally, after a very unpleasant exchange, the branch manager explained to me the best way was to keep {$250.00} in the account and verify the balances once in a while. He told me, in confidence, that the bank would not allow me to close the account without a lawsuit or intervention from the regulator. 

For four years, this strategy worked. Yesterday, the bank charged me {$10.00} Fee for DORMANT ACCOUNT SERVICES. NO notification of such a bizarre fee was done in writing or electronic way. 

The timing of the fee is also alarming, the Connecticut " Stay Safe, Stay Home '' Governor 's order issued in XXXX of XXXX is expiring. 

However, this is not my case. This action is malicious because it imposes a LACK of Activity fee for customers that could not get to the branch during a QUARANTINE. 

I try to call the customer service on XX/XX/XXXX, but after a 1-hour wait, I gave up. 
I sent a secure email through the bank email phone app, which said that they would respond in 2 days, but I have no faith. 

I removed the balance of my account, and I hope that this should be sufficient to close this account. 

However, I would like to receive my {$10.00} fee back via check on the mail. If there are costs to issue the check, Citizens can subtract such losses from the $ XXXX, up to {$10.00}. If to be a bit honest is too much, please keep the money. 

I also request that the Citizens Bank delete all my information, as allowed by law. Please remove my name from any marketing efforts. 

XXXX XXXX XXXX Find file attached with the email alert about the fee. NO notice or communication was provided before the fee was charged.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I contacted the company and told them I dont owe {$1500.00}. Since XXXX  they increased my owed amount over {$500.00}. I refuse to pay any of it because theyre making false claims and they dont even have proof that the debt is mine, theyre not the original creditor. I get mail saying Im commuting a crime and theyre taking me to court. I want this to stop. They dont have my wet signature. They never provided me with proof of anything and on top of that I have been a victim of a nationally declared disaster. I have been homeless for the past 3 years. Jobless for longer than that.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

trust account XXXX issued by XXXX was closed on or around XX/XX/2023 and paid in full.Item has been disputed by consumer with attached documents from said bank stating such and Equifax has parroted the E-oscr system without a thorough investigation, in clear violations ; ation of the FCRA
Consumer complaint received 2023-03-09
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. (NJ)

In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the rights to privacy. 15 USC 1681 Section 604a Section 2 It also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open customer credit plan as late for any purpose.
Consumer complaint received 2020-05-29
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. (NY)

XXXX, Experian, XXXX and has publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties in which are damaging my reputation and credit worthiness. 



XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} {$13000.00} No. of Months ( terms ) : 72 72 72 High Credit : {$17000.00} {$17000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX