davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

I have a mortgage with Ocwen Loan Servicing on a house in XXXX Louisiana. XX/XX/XXXX, XXXX Louisiana experienced massive flooding. My house in XXXX was flooded. It took me several months to secure a disaster relief loan, but I finally recieved XXXX and began to renovate the house. Today ( XX/XX/XXXX ) my contractor called me to state that he could not get into the house because a company called XXXX put lock boxes on the doors to the house!! I called XXXX and found out that they are a restoration company and a subsidary of Ocwen Loan Co. They claimed that they have been going by the house and it is " unoccupied ''. The house is unoccupied because it is being renovated by my contractor after being flooded! I am currently 2 months behind on my rent due to extenuating circumstances, but I will fully catch up this month. Ocwen has violated the laws in several ways 1 ) They NEVER contacted via email OR mail to ask me the status of my property. 2 ) They house is NOT in foreclosure. It is still my legal property and they had no right to put any thing on my property without my consent 3 ) The house is not abandoned, it is actively being renovated after flooding. 4 ) I am simply two months behind, they have NO RIGHT to do anything to property that is not legally theirs.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Creditor is reporting late payments affecting my credit score, I've reached out multiple times and they refuse to verify/remove the late payments that's being reported. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

Please remove all my hard inquire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
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. (MA)

My wallet was stolen back in 2019 and ever since strange account been popping up on my report. I tried to freeze my report but it didnt work.15 usc 1681 states that these negative collections and inquiries are fraudulent and abuse to my financial independence and the 3 credit bureau are reporting wrong information on my report
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXXAccount number XXXX. XX/XX/2022. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( 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.
Consumer complaint received 2017-09-07
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. (TX)

My ID was stolen inXX/XX/XXXX. Thought the years this person who lives in Georgia has used my name, social security number, and date of birth to change data on my three credit reporting companies and open fraudulent bank accounts to get credit cards. In XX/XX/XXXX I placed freeze codes with XXXX, XXXX, and Equifax.
In XX/XX/XXXX received a notice from Equifax that someone had changes my address to XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX  and changes the phone number to XXXX. Also he had opened an account with XXXX XXXX XXXX phone XXXX. I reported this to Equifax, XXXX XXXX, the XXXX XXXX  Police Department report # XXXX. On XX/XX/XXXX found that he had changed my address with XXXX to the Georgia address. It took me until XX/XX/XXXX to get all of data corrected. onXX/XX/XXXX he changes my address with XXXX to XXXX XXXX XXXX XXXX, XXXX, GA, XXXX phone XXXX. new police report XXXX. ON XX/XX/XXXX he changed address on Equifax to XXXX XXXX XXXX, XXXX, GA, XXXX. FTC FILE XXXX. Still trying to get Equifax to fix my credit reports to no avail.
Consumer complaint received 2017-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (PA)

This is a medical debt where I had secondary insurance through my mother 's insurance. XXXX XXXX never submitted the remaining amount due to my secondary insurance even though the insurance card was offered to them on two different occasions. When they sent it to collections, I immediately disputed the debt. For over a year representatives from Receivables Management Systems have ignored my dispute letter and now am being informed that I did not meet the 30-day criteria ( I am assuming that the Account Dispute Manager is using my last fax of XXXX XXXX, 2017, as the dispute date ). The initial dispute was sent well within the 30-day period ; however, three different representatives from this company over the past year have done nothing to remedy this. I am attaching all of the information I have in this matter.
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

My bank account by Wells Fargo bank is being rubbed over and over again, my complaints have been without a result this is been going on since XX/XX/2007. I have many letters of confirmation but no action. It has been costing me money as well as lots of other XXXX. I am almost certain that the XXXX employees of the bank are sabotaging my account. This is not a single case. The force behind it is " American XXXX congress " please take action
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 

I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate every piece of information and remove these items below from my credit report. 

Accounts 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

We signed a loan application to refinance our mortgage with Lakeview Loan Servicing on XX/XX/XXXX. They assigned the servicing to XXXX. We have paid for an appraisal on XX/XX/XXXX, which was completed on XX/XX/XXXX. As of today, XX/XX/XXXX, XXXX has not been able to close on the loan even though we had provided everything requested at by the time the appraisal was ordered. Additionally, as the process had continued, I had repeatedly asked for a Loan Estimate, which I had never received until today ( XX/XX/XXXX ). We have a home equity line of credit with a local branch of XXXX, and the branch manager for that bank said they needed a copy to complete a subordination request. At this time, our loan officer at XXXX finally provided us with a Loan Estimate. The loan estimate shows a issue date of XX/XX/XXXX. Our rate lock has expired and been renewed four times. We have lost all confidence that XXXX will be able to close our refinance and are very concerned to have them service a refinance of our mortgage. We have also learned that they are out of compliance since the requested verification of personal information without providing a loan estimate.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I opened a business checking account with Chase and deposited a XXXX checks at ATM in early XXXX. Chase emailed me a few days later saying there will close my account since there were one check not able to be verified. The check amount deposited was {$13000.00}. So I contacted the person who wrote me the check. They told me the check was cleared from their bank and they never received any calls from chase to verify the check.

So I called chase and provided the telephone of the person who paid me. Chase told me they are not able to verified the telephone number I provided. They said this number does not show in chase 's system even after I brought the telephone bill and show them to CHASE Branch. 
They said unless the person who make the check visit CHASE BANK with me at the same to show his ID to verify his identity to CHASE otherwise they will not release the fund to me. And also they will not cancel the check and return the fund to the person who paid me either. BASICALLY, THEY WILL JUST HOLD THE FUND FOREVER and take the amount from me at the end. 
I contacted the person who paid me. They can not understand this and refused to go to chase bank with me together. From their side, the check was cleared one month ago which means they already paid me. Why would they have the business owner to visit chase bank with me? 
I visited chase bank 3 times and called them many times. They insists that they will hold and take my {$13000.00} forever unless the business owner of the check maker go to chase bank with me together.

Since They payer refused to do so, chase will take my {$13000.00} at the end.

They are stealing from me. This is definitely not right.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MN)

I paid of my student loan account in the amount of XXXX on XX/XX/XXXX as part of my home refinance. A check was cut from our title company for this amount on XX/XX/2016. On XX/XX/XXXX, I checked in with the title company and they reported to me that the check had cleared their account and had been paid to Fed Loan Servicing. My online account with Fedloan Servicing still reflected a full XXXX balance remaining. I called FedLoan servicing to see if they could see a pending payment to my account to pay it in full. They checked my account and all pending payments as well as an additional accounts for payments received that are not associated with an account number and they were unable to locate the nearly {$50000.00} I paid to them. Because of this, I was left with no choice but to believe that Fedloan had mis-directed this money and a stop payment was issued and a new " urgent '' payment issued that same day, to prevent me from losing this money. The next day the money posted to my account. But then was removed due to the stop payment. It then took Fed Loan servicing 10 days to post the second payment to my account. In the meantime due to this mishandling of this account on the part of fedloan servicing interest in the amount of {$320.00} was allowed to accrue on the account. I attempted to resolve this issue and asked for a refund of this amount through the BBB but they responded that despite their error, I am responsible for all interest that accrues on my account until the balance is paid in full, which it would have been in XXXX of XXXX if they had appropriately handled the money and not withdrawn it from my title company 's bank without posting it to my account. In addition, the people that I have had the misfortune of dealing with at Fedloan servicing have been universally condescending, unhelpful and trite in their response to any inquiry I have made and most certainly in response to this complaint. This company is criminal and unprofessional and should not be allowed to service student loans. Or students should be given the option to move their debt to a more reliable and honest lender and not forced to deal with this unethical criminal company. If you have any ability to help me I would request that the interest allowed to accrue on my account between XX/XX/XXXX and XX/XX/XXXX be refunded. If not, I would request that my complaint be made public as a cautionary tale to other borrowers.
Consumer complaint received 2023-05-08
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. (VA)

After receiving collection phone calls and mail, I reviewed my credit report and noticed accounts and inquiries that were listed that did not belong to me. I contacted the credit reporting agencies and the companies listed but nothing has been deleted from my credit report. Included below, and attached is the letter that I sent to XXXX, Equifax, and XXXX. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Thank you for your timely response to this matter.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, 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. (GA)

XXXX  INITIATED  XXXX  FRAUDULENT INQUIRES ON MY CREDIT. THESE FRAUDULENT INQUIRES WERE INITIATED ON  XXXX   XXXX ,  2017  &  XXXX   XXXX ,  XXXX , &  XXXX ,  2017 . REMOVE FRAUDULENT INQUIRES.
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MO)

Credit Report Inaccuracy : XXXX XXXX XXXX Dispute Letter XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Consumer Assistance XXXX XXXX XXXX, XXXX XXXX XXXX Re : Notice of Dispute to Pursuant to Section 611 of the Federal Fair Credit Reporting Act To Whom it May Concern : I recently obtained a copy of my consumer 's credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This is injurious to my consumer report and I request that you correct this information immediately. 
Please remove this account from my records it is inaccurate billing/contract information. Please remove from my files and your records and/ or show me proof of such debt accurately billed and belonging to me : Original Account : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX Collection Agency : Convergent XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Account Number : XXXX BBB Complaint ID # : XXXX My consumer report is extremely valuable to me, please be advised that willful non- compliance is a violation of the Federal Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation unless I am notified otherwise. Please provide me with an updated credit report. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2017-02-08
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MA)

During my loan modification thru Making Homes Affordable GMAC tacted on {$30000.00} to the end of my loan. They sold to XXXX and XXXX stated there was nothing they would do about it. XXXX also did nothing.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate. ( IVE SENT OUT LETTERS TO ALL XXXX CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : 1.XXXX XXXX  XXXX Account number XXXX 2. XXXX XXXX  XXXX Account number XXXX 3. DIVERSIFIED ADJUSTME Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.