davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Birthdate : XX/XX/XXXX I am filing this complaint with the CFPB to request, under FCRA 605B ( 15 U.S.C 1681c-2 ), that XXXX, Experian and XXXX block the following fraudulent accounts and inquiries resulting from identity theft within 4 business days of receiving this complaint : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have led to numerous hard inquiries and fraudulent collections appearing on my FICO credit report. I have attached a list of these inquiries and a copy of my credit report from XXXX that highlights the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries listed, as they were not initiated by me and are a direct result of identity theft. 

I have also included a copy of FTC identity theft complaint number XXXX as evidence that all mentioned accounts are fraudulent.
Consumer complaint received 2016-01-15
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (KY)

Since XXXX XXXX twice a month my wife and I send support money to her family in the XXXX via Western Union using her sister as the receiver. In XXXX XXXX my wife went home for an extended stay so I started using her as the receiver. Recently my wife moved to XXXX so I sent money to her and her sister. Without notice Western Union cancelled the transaction for her sister saying she is not allowed to receive money. When I called Western Union they refused to give me a reason. My wife 's family depends on this money, and my sister-in-law is the only XXXX with a valid I.D . If I send a money order it will take 3 weeks to arrive and might be lost or stolen. Needless to say everyone is very upset.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, XXXX, I purchased approximately {$100.00} of goods from Macy 's on my Macy 's credit card. I did not receive a bill, nor did I get a reminder e-mail about my amount due, and accordingly time passed and I eventually forgot all about it. I pride myself in paying all my bills on time, and was dismayed when, XX/XX/XXXX, I received a Macy 's bill in the mail for {$240.00}. There had been no notice on my credit reports that this bill was overdue, nor did I receive any other notification before the XXXX bill. I called Macy 's and spoke with an argumentative woman who insisted I had signed up for e-bills when I first opened the credit card, over three years ago. I told her I had received no bills, no notification of any kind, not even an e-mail, and she said it was my responsibility to check my Macy 's account to see what was due and pay it accordingly. I have never looked at my Macy 's account online, nor do I believe I have an account there. Regardless, they should have sent me an e-mail notification, or I should have received notification with my bill paying service, as I have from Macy 's in the past ; but I received neither. I asked to speak to a manager, who was even more argumentative. She agreed to take the current late fee of {$38.00} off, but no more. I told her that my account has always been in good standing, and that I originally had a Macy 's account XX/XX/XXXX and she laughed, probably because she had n't even been born then. I became very angry and told her I wanted to pay whatever I owed and close the account. She began arguing about all the reasons I should keep my card, and I told her, " I 'm done arguing with you. Please let me pay and close my account. '' She would not let me pay with the XXXX XXXX credit card I use for most purchases, saying I needed to provide a checking account number, which I reluctantly did. I ended up paying {$190.00}, and she finally closed the account. A few days ago, I received notification from XXXX XXXX that my credit score had been impacted by some activity. I learned that on XXXX/XXXX/XXXX, Macy 's had reported my account overdue by 60 days. My account was actually overdue by more than 120 days. They had every opportunity to file with the credit agencies when I was late after 30 days, but did not because ( I believe ) they knew I would find out then that my bill was overdue. I also wonder whether the reason they filed it now is in retaliation for how angry I was when talking with them. I know Macy 's is a large company, but this practice of not notifying card-holders when bills are due so Macy 's can increase their profits is abhorrent and needs to stop now.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I've noticed mistakes on my credit report concerning 15 USC 16c-2. The inquiries shown were not authorized by me, and they are harming my credit. I request the removal of all unauthorized hard inquiries. Thank you.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2015-07-04
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servatus Corporation (CA)

Collector is attempting to re-age a XX/XX/XXXX debt by reporting to credit bureaus that it was opened in XXXX XXXX and to make matters worse reporting that the account went into default in XXXX XXXX, moreover they also claim that the first date of delinquency occurred XXXX XXXX. The the payday loan was originated in XX/XX/XXXX but XXXX solutions has re-aged the account and has confirmed the above dates to all XXXX credit bureaus. They have also claimed that they just found me in XX/XX/XXXX XXXX solutions is in clear violations of FDCPA. I have contacted all XXXX Credit bureaus regarding this matter and XXXX and XXXX and they have failed to abide by the policy in place to prohibit such reporting. I would like this erroneous item to be removed by both bureaus. I have went through the steps of contacting the bureaus but they have just taken the word of the collection agency.
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

When Ocwen first took over our mortgage in 2012 the balance that was owed was {$71000.00}. 
We were approved for a modification with a lower interest rate with Ocwen. 
Ocwen now states that we owed a total principal balance of {$96000.00}. 
Ocwen Account # XXXXI have asked one of the representative that has been on our case for a few months, she has no answer to this question & states that is the balance that was in the modification agreement. 
We have contacted your company in regards to different questions regarding our account & have been able to get them resolved. 
Hopefully, someone can explain to us where the equity credit we should have went. 
Thanks for your assistance regarding this situation, we look forward to hearing from someone soon. 
-The XXXXXXXXXXXX
Consumer complaint received 2015-07-04
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RMS-Recovery Management Services, Inc. (AZ)

During the last school term of 2014, I was tasked with the care of a XXXX relative. I was already enrolled in classes and was utilizing a tuition deferrment program with my University. I withdrew from courses to care for my relative and this debt has since been sold to a debt collector.
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I had to put a call blocker on my cell phone because they call XXXX times in XXXX minutes. They will not disclose who I owe or how much I owe and say they will send someone to arrest me. So I put a block on the phone so it will no longer ring into me. On a typical day I get around XXXX phone calls from them. I can see the number on the call block list. If they are not going to disclose information why should I? I have only read bad things about this company and do not want to give them any personal information.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX indicates on my consumer report that was written off in XXXX XXXX but was recently updated to reflect the status of the account as being open. This is inaccurate. If theres an open account, it does not belong to me. I do not have an open auto loan with XXXX XXXX. Is this a result of the breach of data? As a result, this needs to be removed from my consumer credit report.
Consumer complaint received 2015-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maury Cobb, Attorney at Law, LLC (NY)

I bought a XXXX phone for my girlfriend 's son in XXXX XXXX while I was on vacation. After XXXX months the phone was stolen from him. He never informed me that the phone was stolen, I found out late XXXX 2014. I asked him if he contacted XXXX about turning off the phone? He said he could not turn off the phone because XXXX needed my social security number. I did not give him my ss #. 

I got a phone call from XXXX in XXXX 2014, that the cell phone bill was {$430.00}. I explained to them that the phone was stolen in XXXX XXXX. and asked that they shut off the phone. XXXX said, " I WAS NOT THE OWNER OF THE PHONE AND COULD NOT REQUEST TO HAVE IT TURNED OFF. '' Then I asked, " So why are you telling me that I owe XXXX {$430.00}, if the phone is not mine? '' I said to the representative that something does n't sound right about this. '' XXXX months later, I received a bill in XXXX from XXXX saying that I owe {$840.00} and It 's going to collections. 

I immediately called XXXX and demanded an explanation. I was told that since I bought the phone, I am responsible for the bill. I challenged that statement because of what they told me 2 months before, that I was not the owner of the phone! 

I received a collections letter from an agency demanding {$430.00}. Then I received a second collections letter from Maury Cobb & Assoc. LLC form XXXX, Al for {$820.00}. 

The first XXXX calls from XXXX were threats to collect the debt via voice mail, calling my phone at least XXXX times per day. They use XXXX, XXXX and XXXX numbers to call, and rotate the calls daily. 
I have tried calling XXXX on numerous occasions, at least XXXX times per day. Whenever I call the numbers back, I receive a recorded message to leave a message and someone will get in touch with me. 
I contacted XXXX again but they insist that I have to pay although - : ( 1 ) The phone was stolen and was not in my possession ; ( 2 ) I pointed out that they told me I could not turn off the phone ( while the bill was at {$430.00} ) ; ( 3 ) They said that the phone was not mine, and I had no authority to turn off the phone ; ( 4 ) Then 2 months later, they insisted that I am now the legal owner of the phone and have to pay {$820.00}. 

Can someone please tell me what 's going on with XXXX and Maury Cobb & Associates LLC? Am I responsible for the {$820.00} bill?
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-16
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. (NY)

These late payments : XXXX XX/XX/year> XXXX XXXX XXXX, XXXX 15 U.S Code 1681 ( 4 ) states I have the right to privacy I consider a late payment to be private information this must be removed immediately thank you
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$520.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

I am filing a complaint against DiTech Mortgage Company/Greentree. XX/XX/2015, I returned home from a visit with family and my locks were changed to my home and a written notice stated that XXXX XXXX had performed this action, due the property being abandoned. I was paying my payments just one mo. behind and I had contacted the company and stated when I would make the payment, no one mentioned the action by the XXXX XXXX before they came out. When the company was contacted by me, I was told I needed to pay over {$2000.00}. to get current and no more action by the XXXX XXXX. After I made the payment, the XXXX XXXX. came back again in XXXX 2015, with notices stating winterizing my home. I contacted an Atty. who contacted DiTech by certified letter but Ditech failed to respond. DitTech charged me fees for the XXXX XXXX coming to my home, claiming that they did repairs. My mortgage payments increased. I do not receive payment statements. I call and pay the mortgage by phone. Ditech sends me advertisement for a modification loan and/or reverse mortgage. I am still paying but I am struggling to stay current. 
2.Desired Resolution : 1 ). Respond to my Atty., answering the questions addressed in the letter. 2 ) Do not send the XXXX XXXX to my home, again. 3 ) Send me monthly statements 4 ) Do not raise my payments for at least another year. 5 ) Take off the fees that I was falsely charged by the XXXX XXXX.
Consumer complaint received 2016-02-05
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (WI)

Hello, my name is XXXX XXXX. This is part of complaint # XXXX. 
My complaint is actually regarding Ocwen and XXXX XXXX, Ocwen for slandering my credit since XXXX and preventing me from aquiring an auto loan, high insurance rates and lowered Fico score. Ocwen has offered no information regarding the source of the {$99000.00} debt that was reported as LATE on XXXX report and UNKNOWN payment status on another. XXXX account number ( XXXX I have never seen nor has any relation to a loan or credit card ) and XXXX reports ... XXXX for a credit card and XXXX for a real estate loan. I asked for the proof and received nothing except that this was acquired by another debt collector in XXXX. I want to know who the original creditor was and an explanation for this balance. I have damages from this, I did not scroll far enough down on my reports last year to view this unfortunately. 
I have no idea where they came up with a XXXX balance. I assume it has something to do with a deficiency balance, however, all was discharged in bankruptcy in XXXX. Also, I was never at any time aware of any {$99000.00} debt nor contacted at all. My property was in Arizona, it was a non judicial foreclosure and deficiencies are not allowed with the type of property I had. Ocwen had no business in this continuation of harm. Enough is enough and if they are doing this to me I think many people need to be warned so they can check their reports. Please stop these barnacles. 
I will file another complaint regarding XXXX XXXX, I think it is more efficient to separate them although they are related. Thank you.