davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

It has come to my attention that the company servicing my mortgage loan, Ocwen, has made a serious error and cancelled/liquidated my outstanding debt, incorrectly citing the loan status as delinquent. I have had this mortgage for over 10 years, and have made each and every monthly payment. When I called their customer care line, I was informed that the loan had been " charged off ''. When I inquired as to why, I was told they would have to " research it ''. I received a reply a few days later indicating it was charged off due to the " delinquent status of the loan ''. This reply, sent to me by XXXXXXXXXXXX, indicates to me that they never did any research, as the loan was not even close to being delinquent. The matter originally came to my attention on XXXX XXXX, 2016, when I logged on to make the only payment that was due, which was the monthly payment due XXXX XXXX, 2016. Furthermore, if there were additional terms buried in my contract that required I do more than just make the monthly payment on time each month to ensure my loan was not considered delinquent, Ocwen never contacted me to inform me of them. Prior to Ocwen charging off this loan, they made no attempt to even contact me to let me know they considered the loan to be delinquent. I made each monthly payment in accordance with the terms of my loan, and verified both the amount and due date on Ocwen 's website each time I made a payment. But again, for reasons unknown to me Ocwen suddenly considered it delinquent and cancelled/liquidated the outstanding debt without ever contacting me. Upon receiving the reply from Ocwen 's research department, I then contacted customer care to ensure they would not falsely report to the credit bureau 's that my loan was charged off " due to delinquent status '', and reaffirmed that the loan was not delinquent. I was told that they will report " whatever their records indicate ''. When I informed them that reporting false information is a violation of the FCRA, I was told there was nothing they could do. I should also note that the last payment they applied was on XXXX XXXX, 2016. This was the monthly payment that was due on XXXX XXXX, 2016. So as of XXXX XXXX 2016, my loan was fully up to date. The loan was subsequently declared delinquent and charged off before XXXX XXXX, 2016 ... less than 2 months later. I have attempted to follow up with XXXX ( email address referenced above ), but she has not responded. I fear that if this error is not corrected ASAP, they will report false information to the credit bureau 's that will severely impact my credit score in a negative way.
Consumer complaint received 2017-11-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

**Explicit Language** XX/X/2017 - A repossession agent violated FDCPA working on behalf of USAA. On Wednesday XXXX XXXX, 2017 a repossession agent made contact with me in person at my place of residence. Repossession agent identified himself, his employer, and who he is working on behalf of ( USAA ) and the collateral after asking if I was the responsible party. He advised he was at my place of residence to recover the collateral. I said, " well its in my garage and I am not going to open it ''. He asked what do I think will happen if he goes back to his truck and tells USAA that I said, " XXXX XXXX '' ( implying that I was n't going to pay USAA ever again ( for the record the only thing I said to him was " well its in my garage and I am not going to open it '' at no time did I use explicit language ) ) to which I replied, " It does n't matter because am not dealing with this through you and you are not the one I am to pay ''. He then said he is just trying to help me. He said I can hide from repossession but " this will not go away and USAA will keep repossession efforts no matter how much I pay. '' He went on to tell me that he has multiple vehicles he uses to repossess with and not just the truck that is in my driveway ( attempt to invoke fear ). 

After hearing his last few sentences I started closing the door as I knew that his statement was in violation of the FDCPA by threatening endless repossession efforts unless intending to do so. With the door nearly closed he began direct profane language escalating in speed and volume primarily the " XXXX XXXX XXXX in attempts to humiliate and abuse.
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank (NJ)

I got this card a few years ago to rebuild my credit after a Bankruptcy clearing, this XXXX XXXX is an absolute scam, they advertise Bill Pay, i signed up for it twice and was confirmed thru my Bank, the payment was never withdrawn leading to a late charge. There is no way to dispute these charges except writing a Letter to a XXXX like its early XXXX, i wrote a letter after gaining the address from a sales associate, no response and after Months of waiting for a reply a Check of my Credit found the late charge had not been removed, contacted customer service they stated no such letter was received and to rewrite the letter AGAIN and nobody was available to talk to in the Corrospondence Dept. that was XXXX late charge in XXXX XXXX, in XXXX XXXX a associate purposely decieved me by telling me a false amount was due, i set up Bill Pay again and this time a Manager from my Bank set it up for me, it worked once on XXXX XXXX and then the Bank purposely cancelled the Bill Pay which was supposed to be a monthly withdrawl to incur additional late fees and charges and again leading to a XXXX XXXX late payment report to my credit report even tho i made a payment on XXXX XXXX which is within the 30 day federal fair credit act, This company is purposely decieving and defrauding cardholders for their own financial benefit and ruining credit cardholders credit taking advantage of vulnerable people seeking to repair their credit, i demand these XXXX late payment reports to credit bureaus be retracted immediately, ive read thru XXXX of similar complaints, i have no idea how this company has an satisfactory approval credit rating, A complaint will also be filed with the Georgia Dept. Of Consumer Affairs and the Attorney Generals Office to investigate this Company for Fraud!!! on XXXX I had my final dispute paying off my remaining balance and canceling my account. An associate falsely represented herself as an manager after I requested one and being on hold for 5 minutes and attempted to resolve the dispute on her own I was then on hold for another 10 mins before being forced to hangup.she also said my security deposit would be returned.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear XXXX I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
XXXX XXXX XXXX This account is reporting inaccurate. 
XXXX XXXX XXXXXXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.
Consumer complaint received 2016-10-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I recently acquired a Loan History Transaction breakdown from INDYMAC FEDERAL BANK HOMELAND SERVICING Pg XXXX ( XXXX ) and Noticed a Discrepancy on XXXX XXXX ( Pg XXXX ) were it changed to IndyMac Mtg Svcs /a division of Onewest Bank I noticed the principal did not change for the Year and escrow was not the same. 
Also Ck # XXXX was a Full Settlement Check I never received copies of. 
Violating TILA and RESPA
Consumer complaint received 2017-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

Loan was initiated on XX/XX/XXXX for {$7400.00} with XXXX XXXX in XXXX XXXX, MO which became One Main Financial. In XX/XX/XXXX, experienced financial difficulties and contacted XXXX XXXX XXXX. They were responsible for negotiating the interest rate and payment amount with creditors including One Main. After one year with XXXX, we got back on our feet and began making payments to One Main our selves. It was later on that I noticed that all of our payments were going to interest. I have contacted the company twice and they seem unresponsive with all my payments going to interest. As of XX/XX/XXXX, the balance on this loan is {$5400.00}. I have made over {$17000.00} in payments. The total amount of payments on the original contract is {$15000.00}. I have been late on some of my payments but this amount seems ridiculous. I have had XXXX XXXX, I have XXXX, and I can not work. I submitted a letter to One Main asking for some compassion with this issue. But they refused to do anything. So I decided to contact you.
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

I reached a settlement with XXXX XXXX XXXX, XXXX on XX/XX/XXXX on an XXXX ( AMERICAN EXPRESS ) ending XXXX, XXXX XXXX XXXX, XXXX account reference # XXXX. 

The settlement was being paid on timely manner and Collections agent, XXXX XXXX XXXX, XXXX, did not honor and worse kept additional funds not properly adjusted form balances and agreement. 

According to settlement agreement payments where to be received in a timely manner which they were sent and post marked correctly. Nowhere in the settlement letter it states that funds had to clear by the date provided but sent in timely manner which they did revive as such and deposited. 

This collector is in violation of FDCPA by collecting and already provided and being paid for agreement and also not accounting for all funds. 

I have provided settlement documentation and payments effected which clearly reflect that I had until XX/XX/XXXX to complete settlement and the collector simply voided settlement without regards for my compliance and payments effected in timely manner
Consumer complaint received 2016-10-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ASTA FUNDING INC. (NY)

This company Palisades collection is suing me for {$4700.00} this Debt is from XXXX/XXXX/2008 the statute of limitation for nys is 6 years This Debt is over 8 years old they never contacted me on this matter until i got a summons telling me they are going to take income execution on my wages. I have read that under the FTC and NYXXXX statute of limitation is 6 years in NYXXXX. I was never contacted about going to court on this matter or would have and fought this.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I am making another complaint in regards to the bankruptcy that is reporting on my credit. I would like to reiterate that this bankruptcy does NOT belong to me and if they had taken the time to look at the major factors that they had in their hands they would have not bothered to send the documents to me and would have in fact removed it. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

Where is their professional handwriting analysis? Where 's the affidavit that I requested? Because they have failed to remove this from my report and still " verify '' that it belongs to me, that means that they are XXXX certain it belongs to me. That also means that they should have absolutely no problem signing an affidavit, swearing under penalty of perjury, that it belongs to me. It will go great with the proof I have that this is in no way associated with me. 

I pulled the bankruptcy petition from the pacer system ( apparently the same place they obtained it from ) and am including it with this letter, notating exactly where they are incorrect. 

If this bankruptcy is not removed immediately, not only will I make a press release, but I will make another complaint with the XXXX, CA Attorney General as well as take them to court where they will need to explain why this is still on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy does not belong to me, nor was it filed by me or have anything to do with me.
Consumer complaint received 2024-10-12
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. (GA)

An account/credit card was opened under my name with the company name of XXXX. The balance is {$130.00}. The date that it shows it was opened on my credit report XX/XX/XXXX. I started receiving statements in the mail for this credit card that I did not open. I previously used this company when I financed my security camera equipment for my home. I paid off what was owed for the equipment, further more that monthly installment was paid in full and closed out. ( That account was NOT a credit card ). Later on down the line I found out that a credit card was sent to my old address from the same company called XXXX and an account was opened in which I did not do. This company decided to draft money out of my checking account without permission with a total of {$27.00} on XX/XX/XXXX. I have asked that this account be removed from my credit reports because it was fraudulently opened.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Media Collections, Inc (MD)

To Whom It May Concern : I received a call from an individual from Joseph Mann Creed who was attempting to collect a debt on behalf of XXXX XXXX XXXX. There are several problems. First, Joseph Mann Creed contacted me on my mobile phone using an autodialer. When I answered my phone, I was told to hold by an automated voice. I was then placed on hold for about a minute ( perhaps less ), and was then directed to a lady seeking to collect on a debt. I have never provided any written consent to be called on my mobile phone. Second, I do not owe any debt to XXXX XXXX Rental. This is purported to be for damages on a car rental in XXXX. I asked XXXX to provide me with ( a ) time-stamped photos that were taken from the rental prior to mine, and the rental thereafter, ( b ) at least XXXX estimates for the supposed damage, which I suspect is a scratch, and ( c ) documentation that the car had been repaired since I allegedly damaged it. XXXX refused to provide me with this information, and instead told me that my only option was to dispute the charges with my credit card issuer ( which I did XXXX. XXXX subsequently sent the account to a collection agency.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TENET HEALTHCARE CORPORATION (SC)

I 've spoken with Central Financial Control on several different occasions in regards to the inaccurate item being reported towards my credit. They are causing great stress and an emotional strain on me financially and physically. Not only is this information inaccurate, but it 's in violation of HIPAA. I 've reached out to the original creditor to see why they forwarded this item over to collections when my insurance paid on my behalf, they had no answer. I 've spoken with several reps from CFC ( Central Financial Control ) and to no avail they were no help and very rude. I am giving this company 30-days to remove this inaccurate item and update all three credit bureaus, if not I will be forced to proceed with legal action against this complaint.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC. (GA)

Suntrust has made 4 hard credit inquiries on me and they show up on my credit report, resulting in a significant negative impact on my score. The hard inquiries occurred in XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I did not authorize any credit inquiries either in writing or verbally except for the HELOC reapplication in XXXX XXXX. Suntrust is refusing to provide proof of my authorization and is refusing the remove these 3 unauthorized hard inquiries from my credit report. In fact, they refusing to even document that will not remove and not provide proof. This has been going on for several months now, and I am getting stonewalled from branch, region and central customer service contacts.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

central financial control/syndicated office systems is appearing on my credit report wrongfully duplicated under two different account numbers.acct no XXXX and acct no XXXX are medical collection accts.Additionally, I had government insurance at the time of service.Thirdly, at the time of service, I was in police custody forced to take a blood alcohol test.These collection accounts are wrongfully appearing on my experian and equifax credit reports.
Consumer complaint received 2024-10-12
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. (FL)

Dispute the inaccurate and wrongful reporting of two specific charge-offs related to my accounts with XXXX XXXX XXXX . I am requesting the immediate removal and deletion of these accounts from my credit report, as they contain erroneous information and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 5 ) ( A ). 
Upon investigation, XXXX XXXX XXXX  admitted to billing my accounts incorrectly with additional fees and erroneously charged off the accounts, which were then sent to collections in error. These actions occurred while I was awaiting the results of a prior investigation that I initiated with the XXXX XXXX XXXX  fraud department regarding unrecognizable charges on my accounts. 
Attached to this letter are two written confirmations from XXXX XXXX XXXX, which acknowledge the errors they made : Letter dated XX/XX/XXXX2024, for the account ending in XXXX Letter dated XX/XX/XXXX2024, for the account ending in XXXX
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

I recently closed my XXXX XXXX XXXX account, after which XXXX XXXX XXXX requested a credit report without my authorization ( for reasons unknown to me ).
Consumer complaint received 2017-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery is a XXXX company! They have had two accounts on my report, one was removed and another will be and now they are digging up another supposed account that they havent contacted me about in forever. Again not an account I owe ... these people are trying REALLY hard to get money out of me! Crooked crooked and even more crooked!!!!! Funny enough I see one of the accounts was deleted and yet in their last response they still have THREE accounts listed!!!!!!!!!!!!
Consumer complaint received 2024-10-12
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.