davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CT)

1. Ocwen misrepresented my foreclosure date to me. An Ocwen representative named XXXX XXXX, ID # XXXX told me my house was going to be auctioned off on XX/XX/XXXX. This is incorrect. The court in the foreclosure action set my law day, the foreclosure date under Connecticut law, on XXXX XXXX, XXXX. Ocwen 's attorneys have not asked the court to reschedule it for XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I will have already lost my house. Ocwen is giving me inaccurate information about the foreclosure process, which is confusing to me and, if I had n't checked with someone else, would have resulted in me losing my house. 
2. Ocwen refused to consider my Social Security XXXX Income in its loan modification review, unlawfully discriminating against me on the basis of XXXX. We submitted a loan modification application to Ocwen, which it acknowledged was complete on XXXX XXXX, XXXX. I included proof of receipt of Social Security XXXX Income of {$1800.00} per month. In a denial letter dated XXXX XXXX, XXXX, Ocwen stated that my verified income was " {$0.00} ''. Ocwen refused to consider my XXXX income. An Ocwen representative later told me that XXXX income was not accepted. This is wrong and discriminatory. Ocwen must use my XXXX income in evaluating us for a loan modification. 
3. Ocwen told me in XXXX XXXX that it would re-review me for a loan modification because it had failed to include my husband 's employment income. Ocwen has not done so and is pushing forward with the foreclosure against me. I spoke to XXXX on XXXX XXXX, and she acknowledged that Ocwen had not used my husband 's employment income in reviewing us for a loan modification, even though I had submitted proof and it had agreed to do so. Ocwen had further failed to use my social security XXXX income. XXXX said that she would resubmit the documents to the underwriter because Ocwen had made a mistake and we would receive a decision soon. Ocwen has not gotten back to me. When I call, I am not able to get an answer about what 's going on with the loan modification review. We have sufficient income to support a loan modification, but we need Ocwen to accurately review our documents and count all of our eligible income.
Consumer complaint received 2016-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: The Eastbrooke Group LLC (CA)

Unknown caller ID # calling, an " investigator '' calling ; she said was from the Eastbrook Group and made it sound like it was a legal case and if I did n't call her back in 72 hours I would forfeit " the legal remedies '' ... The call back # XXXX.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AR)

I have been trying to get Wells Fargo for about 6 years to fix a credit bad report mark on my credit report from XXXX. They have continually used stall tactics and discounted the information that has been provided to them that proves that MY PAYMENT was made ON TIME actually EARY and in GOOD FAITH from XXXX/XXXX/XXXX. They have never given me a reason why they returned the payment to my bank account without MY Knowledge. However in Early XXXX an employee of theirs XXXX XXXX who no longer is employed there told me by phone that she had traced the payment to ESCROW but at that time could not tell me where it went from there. It was not until much later and on research of my statements that the returned payment was found in my bank account. Again without my knowledge. I would have immediately returned the " Payment directly back to Wells at that time but Wells would not remove all the penalties interest and fees that had accumulated and the payment would have been taken first to provide for the fee coverage 's NOT applied to my Mortgage. I did finally however repay the missing payment along with " some of the fees in XXXX XXXX in order to have my credit to show current on my mortgage at that specific time as I was instructed to do. They have continually refused to clear the bad remark on my credit and clear past late fees and penalties from my mortgage account. This has caused me great financial harm. 
I have continued trying in many ways to get this issue resolved so that 1. my credit can be completely 100 % restored 2. That I be made whole since none of this was of my doing including all penalties and fees cleared. 
3. my payment had been made on time ( actually days ahead of the due date ) and in good faith. 
4. my refinance can occur to a lower interest rate including some equity disbursement which has been my ultimate goal. 

I first filed a complaint with CFPB in XXXX all complaints listed on my account are concerning this Wells Fargo Issue. XXXX has provided everything they can from their end that shows this payment INFACT was made in a Electronic Batch Transaction straight from XXXX to Wells Fargo on XXXX/XXXX/XXXX. I have sent Wells Fargo everything from XXXX however I received a call two days ago stating that Wells Fargo will not accept the information provided BY XXXX. Please Help Me
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Charges not actually made by the consumer Charges in the wrong amount. 
Charges for goods or services not received by the consumer Charges for goods not delivered as agreed Failures to properly reflect payments or credits to an account Calculation errors Charges that the consumer wants clarified or requests proof of Statements mailed to the wrong address Significantly not as described product/goods
Consumer complaint received 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Consumer Collection Management. Inc (MO)

To Whom it may concern : Consumer Collection Management lists on my credit report me owing to XXXX XXXX. I own XXXX XXXX nothing. When I asked for proof of debt this winter they sent me nothing showing that I owed XXXX XXXX anything. Since the information they are reporting is false I would like it removed from my credit report asap. I have included my request for debt validation, what they submitted and my response pointing out that they did not submit anything showing that I owed XXXX XXXX XXXX,
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Fairway Independent Mortgage Corporation (LA)

Around XXXX XXXX I started sending in required documents to XXXX XXXX of Fairway Mortgage company after our offer was accepted on our new home. We usually sent him everything he requested within a few hours each time. Later in the process we started asking if they had a close date in mind since the house I was renting now had a contract on it and they would be closing XXXX XXXX, we had to close before them. From the very beginning we asked for XXXX XXXX and constantly reminded them XXXX XXXX was rapidly approaching. We were never told XXXX XXXX was impossible. XXXX XXXX I 'd put a comment on a social media about how they are not keeping us updated on the progress of our loan and keeping us in the dark. A friend had recently closed with them and it was a great and fast experience. She gave me a few names from corporate headquarters to call for help, which I did. They corporate people were shocked and the lack of information they could obtain on our loan, they were trying to help expedite it because XXXX XXXX was the following week. I was told that the particular branch of Fairway I 'd chosen was having personnel problems and some loan officers had left and one was on medical leave so all of the loans had to be routed to corporate for processing. We checked with these ladies almost every day and did n't end up closing until XXXX XXXX and even up to the day before at XXXX pm, XXXX Mortgage was asking for paperwork proving my boyfriend had paid a boat off with one credit union and the other credit union used the funds to pay off such boat! Bottom line we did n't close until XXXX XXXX, had to hire movers ( {$750.00} worth ) to move us because we did n't close until XXXX and the house we were moving out of closed the next day, so we had only hours to get our belongings out of the house. The XXXX and hard spots this company put us through was a nightmare. We were kept in the dark through the whole long process and Fairway was made aware from the beginning that the house we were occupying had a contract on it and we had to close and vacate prior to their closing date of XXXX XXXX. Worse house buying experience I 've EVER had.
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Central Portfolio Control Inc. (PA)

A representative from Central Portfolio Control contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (GA)

pay pal prepaid works with net spend and they put a block on my card but my money is on my card but i cant use it i need help getting it unblocked pay pal prepaid works with net spend and they put a block on my card but my money is on my card but i cant use it i need help getting it unblocked they did n't even tell me i had a block on my card i had to call and see what was my balance and that 's when they told me.i filed XXXX already dont seems like that is helping so i want to take further steps to get my card unblocked so basically the money is sitting on my card but i cant use it because they blocked my card.plus i filed a dispute on XXXX XXXX regarding a transaction that was not made by me {$940.00} they keeping that and only gave me {$170.00} so basically they giving me what they want to give me i dont want half of my money I want it all.
Consumer complaint received 2015-09-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I had a foreclosure in 2011 and this loan was a second on the the original mortgage that is still reporting as if it has a balance of XXXX and should have been part of the foreclosure or at least show a XXXX balance.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX ' trees down in yard. tore down electrical, cut up about 60 % of trees that were XXXX % left to be cutup. wind damage and blew down fence on North side of property. trees knocked and blew down XXXX ' XXXX and gate and destroyed. damaged XXXX tarps covering boats on property with electricity off water pipes froze and broke in apartment - ruined carpet. tried to heat inside of apartment with kerosene heater. painting in process. holding check for itemized items from insurance adjuster to fit their needs
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I wrote an incorrect check to an assisted care facility XX/XX/XXXX to cover charges for my mother 's care. The figure written was {$2000.00}, however, I mistakenly wrote XXXX Dollars and XXXX cents. The check was presented to Bank of America, who without questions accepted it for the written face value.
Consumer complaint received 2024-08-31
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. (PA)

To my shock and dismay, I found inaccurate accounts on my credit report this evening, and Im baffled as to why theyre there. I regularly check my credit report, but this time, there were discrepancies that seemed to come out of nowhere. I even refreshed my browser, thinking it might be a technical issue, but the inaccuracies remained. Because of this, Im asking for a careful review of the documents Ive provided so that I can have peace of mind moving forward.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion allowed an individual ( criminal ) using my SSN to setup an online account and purchase my credit report using a stolen credit card number. Only when the account holder for the stolen credit card complained about a fraudulent transaction did TransUnion permanently block online access to my credit file. At no time did TransUnion notify me of the credit breach nor has TransUnion offered any protective services. The individual ( criminal ) has a complete copy of my entire credit history.
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PA)

My name is and I find that Amazon.com Rewards card billing practices are deceitful and confusing. I contacted the company in the middle of XXXX to notified CHASE that I lost my wallet and as a courtesy would they please cancel the late charge and I would make both payments in XX/XX/XXXX. I was told by the customer service representative in XXXX that this information would be included in my account and I would not be charged the late fee. I recently made a {$60.00} payment in XXXX and was given and overcharged {$25.00} for not including {$4.00} in the in the {$60.00} payment. I 'm now paying a {$35.00} late fee for {$4.00}. This is usury and I can not afford this payment. I called Amazon Chase XXXX/XXXX/2016 and explained this to XXXX who only brushed me off and continued to insist that I pay the {$35.00} late fee. I was cancelled out of XXXX late fee only to be billed with another XXXX. I think this is not fair and of un sound business practices. Please help me because Amazon Chase is tryin to rip me off. My account number ends in XXXX. Thank you very much for your help! XXXX XXXX
Consumer complaint received 2015-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (MA)

This is a complaint against : Credit Management , LP Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX https : //www.creditmanagementonline.com/contact On XXXX XXXX, I received the attached statement ( alleged debt letter XXXX and XXXX ), dated XXXX/XXXX/15. It is the first and only contact from them. It was for a XXXX debt owed by a person with a similar but different name, and I have never had a XXXX account. This is not my debt. I have already contacted them about this but do not yet have a reply. 

Further, prior to them contacting me about her debt, they made derogatory reports about me to all XXXX credit bureaus ( attached ). That is malicious, libelous, and a defamation of my character. I demand that they contact the agencies at once and have all negative remarks and accusations removed. 

Further, according to the Fair Debt Collection Practices Act, XXXX XXXX, Validation of debts [ XXXX XXXX XXXX ] : ( a ) Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ... 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


They failed to perform the quoted sections ( failed to make these statements ) and are thus in violation of the Fair Debt Collection Practices Act. A full copy of the first and only contact is attached ( alleged debt letter XXXX and XXXX ) and shows that these were omitted. 

Due to the fact that they are in XXXX and I am in XXXX, I wonder how many other people in the country with a name similar to XXXX XXXX received similar letters. They went rather wide by mailing XXXX to a person XXXX. 

They need to correct this at once.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

In 2013 I received a tax form XXXX from XXXX Bank XXXX XXXX which is a cancellation of debt for this credit card for XXXX. I was required to pay taxes on this amount in 2013 which I did. Currently my credit report still states that my balance is XXXX. This is not correct. This balance was charged off and the debt was cancelled. If the balance was cancelled and I already paid taxes on this amount, how can I still have an outstanding balance on my credit report. The " Balance Amount '' on my credit report should be XXXX. I have been wrongfully denied credit for a Home Loan, which has been devastating for my family. XXXX bank should be investigated for this illegal practice of trying to collect debt, after it has been cancelled.
Consumer complaint received 2015-12-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Delbert Services (NE)

I have a loan with Delbert Services/ XXXX which I pay every month on time my complaint is that they are aware of my pay dates yet they call my cell phone XXXX times a day starting the XXXX of the month. I have asked them to not call me until after the XXXX which is my payday. They say the only way they will do that is if I set up automatic withdraws which I do not wish to do. All I asked was for them to not call XXXX times per day, they also do not leave any messages when they call.