davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

I just received a response from Fay servicing on complaint XXXX This loan was transferred from XXXX XXXX In XXXX, We were on Covid forbearance ( current prior to covid ) XXXX XXXX started our modification streamline review before the forbearance was supposed to end in XXXX. A streamline was to put the past due at the end we were eligible because our loan was current prior to covid. We didnt have to be reviewed for a month per XXXX XXXX . 
The review started XX/XX/XXXX with XXXX XXXX we shouldve had a decision prior to transfer in XXXX. I called XXXX XXXX and they said Fay servicing shouldve pickup were they left off, that didnt happen. 
Fay servicing starting us a new review as if we were not already in modification review with XXXX XXXX, it was streamline they were reviewing us for flex modification no documents requested because our loan was current the loan was transferred and the investor changed. Fay asked us to complete the modification package for reviewTHEY DID NOT PICKUP WHERE XXXX XXXX LEFT OFF they said no such thing as streamline review but that is what XXXX XXXX was reviewing us for, they can clearly see no documents were requested from us from XXXX XXXX so how could they be reviewing us for modification, we submitted a complaint to XXXX XXXX as XXXX XXXX because they dropped the ball and now were having to go through all these hoops to start making regular payments. Trying to get our home current. 
The income provided to Fay for modification shows more than enough income than the underwriter calculated. Its self employment income and wage earnings from spouse. On the application it said XXXX for non borrower spouse, The paystubs clearly shows over XXXX and no one called to verify if more could be used, they just declined and said not enough income. We need the modification processed. A new review has been submitted. The loan is not in foreclosure now but received a demand letter and spoke to several people at Fay saying this will go to foreclosure any day. We need this resolved please. Need our payments back to were they were and the arrears put at the end please. We have a family and need our home. 
Its not our fault the communication with the XXXX servicers was misconstrued. Fay didnt pickup were XXXX XXXX left off, they started their own review and several people say its a different investor with Fay than XXXX XXXX was with XXXX again this is not our fault. 
I already have a attorney and willing to go to the news. Im trying to handle with these XXXX mortgage companies first. If the loan needs to be sent back to XXXX XXXX, I request that be done. They went over 30 days we shouldve had a decision XX/XX/XXXX XXXX weeks before the transfer and No one sent us anything saying we needed to send anything until Fay got the loan, The new package that was sent XX/XX/XXXX from my request..the underwriter calculated income incorrect.
Consumer complaint received 2018-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (OH)

XXXX filed a foreclosure complaint against me on XX/XX/XXXX and that foreclosure complaint was DISMISSED on XX/XX/XXXX, attached. We have made several complaints against XXXX & Ocwen with the CFPB in-regards to their ownership. There is no default to XXXX or Ocwen as they do not own the mortgage and/or note for our property. In XXXX of XXXX, XXXX/Ocwen prepared a settlement offer for {$260000.00}. We were approved and then later denied a home equity loan from XXXX because of title issues. We and our attorney made XXXX/Ocwen aware of XXXX issue via email. We also attempted to remediate this issue by filing a case # XXXX and a prior case # XXXX with CFPB. This matter has caused us serious hardships, please review and reopen my former complaints, along with this complaint against these agencies. 

XX/XX/XXXX XXXX reached a {$600.00} XXXX dollar settlement over charges of abusive mortgage practice and in XXXX of XXXX, around the same time we filed a complaint # XXXX with CFPB, CFPB sued Ocwen for failing borrowers throughout Mortgage Servicing Process. These agencies should be held accountable for filing a foreclosure action that was DISMISSED. If we would not of won our appeal we could of lost our home and been homeless. Please provided relief and assistance to ensure we keep our home and have them pay our attorney cost. They dont have standing and they dont have the right to foreclose. I have not been able to refinance or do anything for three years because they dont have any standing.
Consumer complaint received 2022-02-10
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: CL Holdings LLC (CO)

I did not open this account. I can only assume my ex husband opened this under my name when we were legally separated, or perhaps one of his friends did, but I DID NOT. i have told this to every agency or collector that calls me about it. This is NOT MY ACCOUNT! I never had that phone number, I had no knowledge of it being opened in the first place, and can not be responsible for something I didn't do, give permission for even have awareness of!
Consumer complaint received 2021-09-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

This letter serves as my complaint against Citibank NA as it relates to client/consumer access to Citi.com. As of the date of XX/XX/21 Citi customers have not been able to successfully log onto the website located at www.citi.com at all. I contacted a Citi representative on XX/XX/21 @ approximately XXXX PST about the matter. Her name was ( XXXX ) with reference number XXXX and she indicated that she was a Tech 2 website support person. I contacted XXXX at phone number XXXX. XXXX indicated that the website sign-in issue was an on-going issue that Citi was well aware of since XX/XX/21 and that they were diligently working to correct the problem. She then indicated that she would call me back within 24-48 hours about the matter. As of XX/XX/21 @ XXXX PST, I still do not have access to log into my online banking account. Attached is a screenshot of what happens when a customer attempts to log into the website. I also never received a return call about the matter from ( XXXX ) as she indicated she would do. This is horrible customer service and this type of practice is putting customers is jeopardy.
Consumer complaint received 2018-11-02
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: Continental Finance Company, LLC (CA)

There was several attempts made to open accounts with different lenders. All of those attempts were fraudulent as i did not apply for them however now all of those are showing up as hard inquiries on my credit report. I have already filed a Fraud Alert with XXXX and they mentioned that they also send the alert to the other credit companies like XXXX. I also called XXXX  to file a dispute with them and the file # is XXXX. 
My goal is to get all of the inquiries removed from my credit score as i did not apply for any of these accounts. These inquiries have already hurt my credit score and i would like to make sure they are removed since it was not me who applied. 

XXXX  : 1. XXXX  - XX/XX/18 2. XXXX XXXX. - XX/XX/18 3. XXXX XXXX - XX/XX/18 4. XXXX XXXX - XX/XX/18 XXXX : 1. XXXX XXXX XXXX - XX/XX/18 2. XXXX XXXX XXXX. - XX/XX/18 3. XXXX XXXX XXXX XXXX - XX/XX/18 4. XXXX XXXX - XX/XX/18
Consumer complaint received 2022-02-10
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. (AL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent correspondence letters to XXXX, XXXX, and Equifax. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( XXXX ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. They are commiting fraud in my name.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (NY)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to formally request that all the accounts listed below be blocked and permanently deleted from my credit report as a result of a recent data breach, pursuant to the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). These accounts were fraudulently opened or reported without my authorization, and I am a victim of identity theft. 
Please find the details of the fraudulent accounts below : XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$23000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$5700.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$410.00}
Consumer complaint received 2022-02-10
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-10-06
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. (TX)

I am filing a complaint against XXXX and Experian due to their inaccurate and misleading data reporting on my credit reports and failing to remove this information despite me showing proof that this data is misleading and inaccurate when XXXX XXXX XXXX XXXX ( XXXX ) failed to provide proof that this alleged debt is even mine or that XXXX legally owns this debt. XXXX and Experian did not conduct a true investigation and simply said this item is verified with no proof that is is verified. 

On XX/XX/year>, I received an email from XXXX stating that a collection would soon be reported to the credit bureaus due to failure to make arrangements with the debt. I was never notified of this alleged debt and was simply told this would soon report on my credit reports. XXXX did not notify me of this alleged debt prior to this notification. 
On XX/XX/year>, I sent a letter to XXXX in XXXX, GA requesting validation of this alleged debt in the form of the Original Purchase Agreement which and shows that XXXX legally owns this alleged debt. 
XXXX failed to respond or provide proof of my request to validate this alleged debt and after this 30 days, I then contacted Experian, XXXX and XXXX by mail on or around XX/XX/year> to initiate a dispute due to the debt collector failing to provide proof that this alleged debt is even mine. I mailed the letter I sent to XXXX to all three bureaus to provide proof that I followed the process of validating the debt. 

Due to XXXX failing to provide proof that this alleged debt is mine, the data on my credit reports is now misleading and inaccurate. XXXX deleted the collection from my reports. However, XXXX and Experian did not delete this information off my credit reports despite me showing proof that it is clearly misleading and inaccurate. They simply said it was verified and accurate. 
How is it verified when the debt collector failed to provide me legal proof of this alleged debt and that its even mine? 

I have contacted XXXX and Experian multiple times to get this information removed and they refuse to comply, failing to show me any evidence of a true investigation.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OH)

In the first week of XX/XX/XXXX, I met with XXXX XXXX, the assistant manager of the XXXX XXXX, Ohio branch of U. S. Bank. I, at the time informed XXXX that my wife XXXX had died on XXXX day and I would need his help to change the accounts to my name. I furnished him with a copy of our wills and gave him a copy of the death certificate so that he could start the procedure of making the necessary changes. Everything was progressing smoothly until XXXX realized that one of the accounts which had been opened by my wife and never used was in her name only. He said that that account would have to be probated to access the funds. I checked with the XXXX County Ohio clerk of the Probate Court and was told that the fees for this would probably be {$800.00}. When I gave this information to the bank, XXXX made some calls and said not to worry and then informed me that he was told that the money would eventually go to the state as unclaimed funds and that I would be able to claim it. 

Since that time, I have on several occasions contacted U. S. Bank customer service to check on this matter and could not get a satisfactory answer on when this money would be given to the state and the account closed. In XXXX I had again called and the individual I then spoke with said that the transfer should have already been made and that he would check on it and call me back. He never called back. In the fall of XXXX, when looking at my latest statement, I noticed that the account in question had been charged a service fee. I stopped at the XXXX XXXX ( XXXX XXXX XXXX had been closed ) and spoke with one of the cashier 's who said she would take this up with the branch manager. She called me and said that she was not able to give me a satisfactory answer but would continue to try and find one and call me back in a week or two. Upon visiting the branch she had then informed me that she had not been able to resolve the issue and that they would continue to charge the service fees. 

This institution has been holding on to funds that do not belong to them and are now charging the account [ that should have been closed 5 years ago ] a dormant account fee. This will eventually empty the account and they will then close it. This should be stopped and they should be made to refund the fees that they have unjustly charged, and pay interest on the money that they have unjustly held on too for five years. I cant help but wonder how many other people that they rip-off every day who are in the same or similar situation as I found myself in. It would be interesting to know how big a chunk of money that this thievery amounts to every year.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of unauthorized accounts and inquiries on my credit report following a recent data breach in which my personal information was compromised.

Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts and inquiries blocked and deleted from my credit file. Below are the details of the accounts and inquiries that require immediate action. 
Unauthorized Accounts and Bankruptcies 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 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 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
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information on my credit report.
Consumer complaint received 2024-11-03
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. (NY)

incorrect accounts and inquires on my report that I would like to be remove ACCOUNT 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  ) XX/XX/XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.