davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

My loan servicer is in " breach-of-contract '' of a modification I completed back in XXXX of 2013. At that time my monthly loan payment was XXXX. However, the very next month after the modification took effect, Ocwen began increasing the payment to an unmanageable amount. It stands now at {$810.00}, too much for someone on a fixed income to pay. Ocwen has been denying it did anything wrong for years. Now, something must be done! Under the most recent settlement agreement, breaking a modification agreement is punishable by fines and other remedies. In addition, recently Ocwen has attempted to get me hooked up into another high-payment modification, which is only {$27.00} less than the current payment it has set for my mortgage. This is an outrage!! People 's homes, that they 've invested their life-savings in, are in jeopardy. Please do something now! To make matters worse, Ocwen has transferred my loan to not XXXX, but XXXX different loan servicers, XXXX right after the other. This has occurred within the last two weeks. The State of TN had been paying my mortgage payment, but that ended last XXXX. In order for me to pay, the original modification must be enforced. 

The recent Federal lawsuit and ruling against Ocwen states that it can not breach modifications on loans where at least XXXX payments have been made. Nor can it transfer the loan, multiple times, and/or abandoned modification agreements. As such, I am requesting that the CFPB enforce the Federal ruling against Ocwen, on my behalf, per the law!.
Consumer complaint received 2024-10-17
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)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I, XXXX XXXX XXXX, XXXX XXXX XXXX, have been a victim of identity due to several data breaches, including XXXX, XXXX, and the Louisiana DMV. I try to keep up with my credit report, but due to my eyes, I can barely see at times, and I have a XXXX. I noticed there were several injuries on my credit report, including an address I never lived at and an account that is a result of identity theft and is not mine. 



These addresses are not mine, and for accuracy, my credit report shows only my living address, including where I pay utilities. My only address is XXXX XXXX XXXX, XXXX XXXX, XXXX, LA, XXXX is my old address. I have attached my lease for accuracy and will update the credit bureau with my utility bill. 

These are not my address below. 

XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single-family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Resident type Single-family XXXX XXXX XXXX XXXX, LA XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single-family -- - These are not my account and it's a result of identity theft due to the data breach. 

LA XXXX XXXX XXXX XXXX Account number XXXX Balance : {$5100.00} Date opened XX/XX/year> XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$10000.00} these are not mine and i have no knowledge of them.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$11000.00}.
Consumer complaint received 2024-10-17
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. (OR)

I am writing to address a matter concerning my credit report and the reporting of my account information.

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ), the term " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the person making the report. Therefore, I request that you update all late payments and any related transaction information on my credit report to reflect " paid as agreed. '' It is important for my credit history to accurately represent my financial responsibility and the status of my accounts. I believe that reflecting these payments as " paid as agreed '' will better align with the factual nature of my payment history.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX 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, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processing Delay : For the months of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, there was an error in the processing of my payments. Even though I submitted payments on time, they were not reflected on my account due to a delay on XXXX XXXX XXXX side in processing. I have provided bank statements and payment confirmations showing the payment dates, which were before the due dates.

Incorrect Late Payment Status : Despite timely payments, my account was marked as 30, 60, 90, and 120 days late. These entries are incorrect, as payments were made and cleared during those months. XXXX XXXXXXXX confirmed this delay in processing and acknowledged the error in a written communication, which has been attached as supporting evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2016-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (LA)

For the last several years my mortgage company has continued to call and harass me about my payments. Here it is in a nutshell, I asked XX/XX/XXXX if i could make my payments at the end of the month since i get paid at the end of the month, the company said yes. Well, when that happened i was charged late fees, i called and asked why would you tell me something like that, they said that when you signed your mortgage it as signed for the beginning of the month. In order for me to do that, as far as making payments toward the end of the month, it will cost XXXX extra a month for each mortgage, I have XXXX mortgages XXXX and XXXX. I ask them to explain and according to wells fargo aka america servicing company that it cost monthly to reprocess your payments, and the XXXX a month addition would be for the life of the loan which is 30 years ( Monthly for 30 years, even though it is not written in their clause ). So at this point, I pay my mortgage on the XXXX of each month, and late fees has piled up but when i look on my credit report it says current, which means that they are trying to take advantage of a high interest rate homeowner, 9. 25 %, and 12.25 % ... ... .since XXXX I have been trying find companies that would refinance me but to no avail every company wanted money upfront even HUD , so Im stuck, and on a XXXX salary no one wants to help a XXXX and his family.. I have them on call blacklist, and they call every day three or four times a day. Can someone in your organization help me????? or do you need money upfront. the only time they dont call is when they get paid, but that only last from the the day it hits their system as a payment until the XXXX of each month, however these last few weeks they have been harassing me daily and it needs to stop. In XX/XX/XXXX, I applied for a loan modification, and they rendered a decision according to them - Our investors ruled that a you dont qualify for a modification- when I called and ask for an explanation, Wells Fargo told me that there was not explanation and that an explanation was not warranted, in other words, the XXXX with giving a reason, just take what the decision that is being dealt to you.. I would love to have an attorney who could help my family, I wish we could have a company that is about the homeowner, and not the mortgage company, A good friend once said, " Good luck with that " So here we are!!!!!!!!!!!!!!!!!!!!!!!! Whats next??????????????? From an underpaid educator, with high end interest, with a crooked mortgage company.
Consumer complaint received 2016-01-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I was given Ocwen as a mortgage company and have had nothing but grief every since. For years I never missed a payment then I modified my due to losing a part-time of 15 years. I was told I was being charged for flood insurance, when in fact it was not needed. Later we were rezoned, I then purchased insurance through XXXX XXXX and sent Ocwen the declaration page for 3 months, and they said they did not get it. Finally XXXX took on the battle and I received some credit. However, in XXXX they hit me with a {$800.00} + mortgage payment due to escrow. The mortgage went from XXXX to XXXX + and my repeated request went unanswered. I was able to get this caught up in XXXX XXXX. I have spoken to XXXX managers on recorded calls who say the past due balance has been waived and I currently only owe XXXX a month. However, when I listen to the recorded billing information it gives one amount, my monthly statement says another, and I am continuing to receive, as recent as this morning harassing phone calls for a yet different amount. 
This company has XXXX complaints against, and it should be illegal to harass someone for XXXX different amounts on one mortgage. My credit is being ruined and nobody talks to anyone there. I have operator numbers and names of these supposed recorded calls. I only the monthly payment and can not get a response from the corporate office as to why I am being treated this way. I have never been late according to their representatives recorded line until XXXX when the escrow and flood insurance got confused. I just want them to stop harassing me and tell me the truth.
Consumer complaint received 2024-10-28
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: Exeter Finance, LLC. (FL)

I am writing to request validation of the debt you claim I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). The account in question is XXXX, which you reported as a charge-off. 

Account name : EXETER FINANCE LLC Please provide the following information : The original creditor 's name and address.

The amount of the debt, including any interest or fees.

Documentation that verifies I owe this debt, including any agreements or contracts.

Any other relevant information that proves this debt is valid.

Until I receive this information, I request that you cease all collection activities related to this account.

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was charged interest on purchases for a credit card that had been paid in full the prior month. When I called to find out why I was charged interest, I was told that the interest was residual interest and unless I paid my account in full 2 months in a row, there would be residual interest. I asked them to explain to me what purchases had residual interest and they could not explain it.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2016-03-31
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY (CA)

I was 6 months late with XXXX Wells Fargo credit cards. I was contacted once from Wells Fargo in regards to payment due. I was taking care of my XXXX father and neglected those cards.He passed and now I 'm being threatened to be sued by a law firm. I have made 2 payments, 2 months in a row on both of my credit accounts online. These accounts are still open, but I 'm being sued? Law firm says they will put a lean on my home too, but that I can pay them directly and they pay Wells Fargo? I 'm trying to catch up on my accounts to avoid suit. Can they sue me while Wells Fargo still accepts my payments online with what seems to be an open account?
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

well this is XXXX XXXX complaining about ocwen so I am very sure you know whats happening. and I want to let you know that ocwen just informed me this evening of an in house offer and this is what they said. we will take your interest rate to 2.0018 from 5 %. a house payment of XXXX a month. ( mind you our payments were XXXX a month when we started asking for help in 2011 ) and a net present value of our home at XXXX, and a market value of XXXX, with a principle balance of XXXX so our home is at present worth XXXX or XXXX and they are collecting XXXX with a very nice balloon payment of approx.XXXX at end of term. another helping homeowners is what we do, good deal from ocwen, right? ok, let me also say they have not even tried to ask our investor, XXXX XXXX for a principle reduction. you would think after all the XXXX they have put my family through they would at least ask .... they have our income at XXXX a month and want us to pay XXXX a month. then we have XXXX a month in child support, a XXXX yr old to support, groceries, electric, and so on ... .. there is something wrong here ....
Consumer complaint received 2024-10-03
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: EQUIFAX, INC. (SC)

I am filing a complaint against Equifax regarding their failure to respond to my dispute letter. On XX/XX/scrub>, 2024, I mailed a dispute letter to Equifax via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Equifax in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Equifax. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Equifax has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute. 

I am including a copy of the dispute letter I sent to Equifax, along with proof of delivery, to support my claim. I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have reached out to XXXX and the credit bureaus to correct the stated balance which is reported double than what I originally owed but they keep reporting the incorrect amount event though according to the original contract was for XXXX not the reported XXXX that is showing on my credit reports.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

I tried to have my mortgage re-financed through Wells Fargo. I paid {$430.00} for an appraisal of my home. They ultimately did not give me the re-finance, but told me my appraisal was good for 6 months. I went to another mortgage company and they want an appraisal as well. I told them to use the XXXX I just had done for Wells Fargo. They said it would be fine, but Wells Fargo has to transfer it into the name of XXXX XXXX. Wells Fargo is ignoring my requests and The man from XXXX XXXX 's request as well. I feel that because I paid for the appraisal it should belong to me, not Wells Fargo. I want them to transfer the name on the appraisal to XXXX XXXX so I can continue with the refinance of my mortgage. Wells Fargo is also who I have my mortgage with now.