davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

Resulting from an ID theft in XX/XX/XXXX while in XXXX, we were compelled to file a Chapter XXXX Bankruptcy which was discharged in XX/XX/XXXX. The Bankruptcy Court defers to State jurisdiction on homestead exemptions. In XXXX that exemption is {$170000.00}. Ocwen refuses to acknowledge this provision in bankruptcy and will NOT report my payment history to the credit bureaus even though they have that obligation. As a result of this egregious conduct, out credit report would suggest we are homeless as there is nothing to show our payment history. We can not apply for a refinance based on the lack of credit reporting by Ocwen. I have documentation from the Ocwen Web Site that shows that I am current, but is recorded as having no payment history. Our loan originated through XXXX Mortgage and placed with XXXX Mortgage. The loan was then acquired by the XXXX XXXX XXXX and ultimately transferred to Ocwen. Ocwen 's refusal to report payments to the credit bureau has immeasurably compromise our ability to reestablish our credit worthiness and denies our ability to acquire a new loan on a replacement home as we are bound but the irresponsible conduct of Ocwen. We have never missed a payment nor assessed a penalty of any kind or description. Yet, we are being victimized for paying as agreed by a misinterpretation of the rules of Bankruptcy Court. I was told by Ocwen, that this is their policy nationwide. Stating that we did not reaffirm the mortgage and there for they can not and will not report our payment history to the credit bureaus or even verify payment history when asked by a lender. Please help as we have lost the right/ability to enjoy all of the entitlements of home ownership by the inappropriate conduct of Ocwen.
Consumer complaint received 2017-01-16
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENCORE CAPITAL GROUP INC. (PA)

Back in and around XX/XX/XXXX, My spouse and I went to XXXX for new carpet. The installers came and while our sitter was there installed the wrong carpet. We notified XXXX and they said they would correct. The installers came back a few days later and removed the carpet. so now we had plywood floors with XXXX children. XXXX went buy and XXXX was unable to get the job done. They had issues with the installer and they would not complete unless XXXX paid them again. so they pointed fingers at each other. The carpet was purchased on a new XXXX 's credit card same as cash for 6 months. We cancelled the order after of months of frustration and went to XXXX XXXX for carpet which was installed in a week and just in time for the Holidays. XXXX was to refund the entire order and then cancel our card at our request. About a month later I received and Invoice from XXXX XXXX Now Midland Funding XXXX They said it was not paid. I called the local XXXX and the manager said he took to his corporate office and would be resolved. Fast forward to about XX/XX/XXXX, Never heard anything until I received a letter that I was being sued by XXXX for about XXXX. the order at XXXX was {$2100.00}. I went to the hearing and the magistrate told the creditor they had an issue with XXXX and Not XXXX XXXX and case was dismissed. Later that year, I had a XXXX was in XXXX Hospital with XXXX. I believe during that time, they filed for a judgment. I had no letters or notification until the judgement was filed. This was not fair practices and I was so upset. I contacted an attorney and he said they could not collect since everything we had was joint and it would cost me thousands to get removed. How fair is that when and we have been cheated so badly. So nothing happened again until now. The case number at XXXX county court house in PA is XX/XX/XXXX Money Judgement, going to sheriff asking to Levy my property. 
This needs to be corrected as I am a victim of unfair business practices. According to XXXX back then the balance was all credited.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Ive called XXXX wednesday letting them know that the address was incorrect and gave them the correct address the fraud department force me to give them a tax return and identification, i stated that driver license address is not current address and gave them current address i have disputed it as well, next day account frozen transunion and XXXX lock my account stating information is not matching XXXX still has not change address have wrong social security number on file still has not change it its been 3 days and its hindering my progress to build my lively hood. Below is the law they are in breach of. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/, XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2023-05-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$7400.00}.
Consumer complaint received 2016-07-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

For the last several years my loan service provider ( Bayview Home Loans ) for the XXXX has been lying about the fact that the XXXX on our mortgage 'agreed to a $ XXXX buyout ' on the loan if sold or short sale or DIL. All the while denying us an assistance whatsoever over the years saying 'we ca n't do anything but foreclose because your XXXX has not responded to the buyout request ' This is unacceptable, not even mentioning all the other tactics, but this one was the last straw. I found out when she let it slip out on one our our rare phone calls that " all we 've been waiting for is a {$200.00} bill you need to clear up because the XXXX signed off long ago ''. 
When I called her on it, she admitted it but did not stop the many foreclosure attempls on our home, which we fight off with skeleton Chapt. XXXX filings, in hope they will come clean before next sales date, but no, they continue to nothing other than try to sell the house at auctions. What can I do? Where'sre more than 3 years behind on our mortgage because of these and other tactics they have played on us over the years, but to know they lie to just to try to sell our home! No! Over the years they claim to have lost our essential paperwork at least 8 times, continued to put us on a merry-go-round of 'loan reviews ', which only serve to push us deeper into depth over the months of processing and no trial payment periods ... then use the fact that we are now 'too far behind, you now owe more than the guidelines require for help, .. we do n't have to help you ' But, this bold face lying about the XXXX not responding is beyond the normally terrible, anti-home owner service you normally see. 
On top of all this, the home was built 'Defective ' by XXXX XXXX ... and they do n't want to pay for repairs, so a class action lawsuit has been going on for four years.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (MD)

Amazon Chase Visa. Missed XX/XX/XXXX bill cycle $ XXXX payment by 1 day. Note I did pay over $ XXXX - total bill was $ XXXX. ~ {$130.00} finance charge. I accept. 

XX/XX/XXXX billing cycle, paid in full. {$180.00} finance charge. 

Contact Chase who explain when card not paid in full interest accrues on every purchase until two billing cycles paid on time. Refused to refund the finance charge. 

This means missing a $ XXXX payment by one day will likely cost me {$500.00} in finance charges. 

The notion that burying something like this in a T & Cs is unethical behavior. Consumers do n't have another credit or debit line typically to shift expense when this happens. And the credit card company does not provide notice they are taking this action when it occurs. 

Request is seeking penalties against the credit card industry for such practices, demanding a disclosure similar to a mortgage that makes clear their intended bad behavior if they want to continue such practices, and a refund for consumers impacted by this type of usury. 

For me, this is not a significant loss. But clearly this is an industry practice rooted solely in greed. As a customer for years of this particular credit card I am deeply angered by the treatment I received and that this is done in such a nonchalant fashion. The impact to lower earners must be profound where this type of agreement is really structured like some sort of bear trap waiting to be triggered. 

Given the bad behavior of the finance industry, and the mandate of the CFPB to protect consumers from such behavior, I hope the CFPB will take upon themselves to make this a wide ranging look at the practice. And do something to make it transparent or end it altogether.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (MD)

On XXXX of 2022 I requested a block of information on my credit report for account XXXX. According to federal law 15 u.s.c. 1681c-2 once I provide all appropriate proofs of identity, identity report and all documentation required, the credit bureau had 4 days to block the information and they have not. I submitted all proof to the cfpb and still no results. This is a direct violation of willful noncompliance. 
Please block this inaccurate information and send all parties requesting my credit report and updated report.
Consumer complaint received 2023-05-27
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I SENT IN AN IDENTITY THEFT REPORT AND THEY SENT ME BACK A RESPONSE AS VERIFIED AN UPDATED THE ACCOUNT I NEVER RECIEVED ANY GOODS NOR APPLIED FOR ANYTHING WITH THIS COMPANY.SOME OF THE ACCOUNTS LIKE XXXX  XXXX XXXX, XXXX XXXX, AND XXXX  HAS BEEN REPORTING CLOSED FOR OVER 7 YEARS AND STILL THERE, AND THOSE ACCOUNTS WERE FRAUD.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously held a revolving account with XXXX. In XXXX of 2013 the account was settled for a lesser amount, paid off, and then closed. This company is still reporting late payments although the account was paid and closed. It is not possible to be late on an account that does not even exist. I have filed four disputes to date. Every dispute finds that the reporting is inaccurate and the issue is fixed, until the following month. The company then reports that I am late as if the dispute and resolution never occurred. When I call the company directly I get continuously transferred and am forced to leave a message. I have never received a return call or any attempt to fix the situation directly from the company. This is harming my credit and effecting my chance to purchase a home.
Consumer complaint received 2015-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc (CA)

I have repeatidly disputed account number XXXX with the credit reporting bureaus about Ad Astra Recovery Services and their aggressive and frightening collection tactics. I have asked doth bureaus to investigate and validate this debt that I have paid in full with XXXX XXXX and delete it from my account. I do NOT owe Ad astra anything and they have recently been calling my cellphone at late hours and leaving voice messages with a machine regarding this supposed debt that I know i do not owe them. Please investigate their aggressive and illegal attempts at taking money i do not owe them. they have not even provided any valid evidence nor have they communicated properly with me regarding my disputes and request for them to stop contacting me, especially with automated systems. They are so embarrassing and annoying. They need to delete their account from my credit reports immediately or I will contact an attorney. This is my last warning to them. Please help me.
Consumer complaint received 2023-05-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2023 - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2023-05-27
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: Grain Technology, Inc. (PA)

I contacted Grain to fix an issue with the account I have with them so that my remaining balance can be paid off and no one has fix the problem I still cant access the account and they are still reporting negatively on my credit report. So its bringing down my report when it can be paid off and the issue can be fixed I contacted them XX/XX/XXXX of this year to try and resolve the issue they still didnt fix it I just reached back out this month as well and Im not getting no help with the issue.
Consumer complaint received 2015-08-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

A tenant of mine went to a Wells Fargo Branch Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, Phone # XXXX XXXX, Branch Manager : XXXX XXXX on XX/XX/XXXXHe presented a payroll check # XXXX, Drawn on XXXX XXXX XXXX in the amount of {$2000.00} dollars. The tenant XXXX XXXX was given cash by this branch. The check bounced. We had a joint account ending in # ... XXXX with me at that time for him to direct deposit his rent. We keep no money in the account it comes in we transfer to our rental account. The bank XXXX loss prevention on XXXX deposited XXXX into this joint account, the account was charged XXXX item return fee, then deducted XXXX, then on XXXX charged XXXX overdraft fee for the XXXX return and credited XXXX to the joint account. We closed this joint account. On XXXX the bank unlawfully took {$2000.00} from my personal account ending # ... XXXX. I was told by my local XXXX XXXX XXXX branch that I must to XXXX XXXX branch to get this corrected face to face. 
I did so, a XXXX mile round trip for me. I met with XXXX XXXX the branch manager. Who issued me a deposit ticket for XXXX back into my # ... XXXX account. I thought the issue had been resolved. No such luck. The {$2000.00} was never credited to my account. 
Again this appears to be unlawful. I have been referred to claims dept, research dept. then to loss prevention etc. round and round still no refund of the funds in this unlawful transactions. Please help me to get the funds the Bank Stole from me. I am not the payor or payee of the payroll check. An innocent party. Help. Do I need to go the the federal reserve or my Senator, or can you help?
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Please forward this complaint to your legal advisor. 

On XX/XX/2023 a CFPB complaint was filed against XXXX XXXX XXXX XXXX. ( Ref. XXXX ) This is a dispute regarding a response that was received dated XX/XX/2023. Please convey an original instrument of indebtedness between XXXX XXXX and XXXX XXXX XXXX XXXX or prove that one exists. 

Under the lawful definition of novation, I was never informed in writing nor did I mutually agree to do any business with XXXX XXXX XXXX XXXX. Please inform me why I should submit any payment to this company. A company that is belligerently extorting my character and in violation of 15 USC 1692d ( 4 ) by reporting false information to my consumer reports. 

To date, XXXX XXXX XXXX XXXX has not produced proof of a validated alleged debt nor acknowledged my cease and desist notice sent. XXXX XXXX XXXX XXXX has failed to produce the original instrument of indebtedness to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has no permissible purpose to communicate with me in any capacity. 

The instrument sent via CFPB titled " XXXX XXXX XXXX '' does not state that I am the obligated party for payment to XXXX XXXX XXXX XXXX. 

Does this instrument confirm and affirm that I am the obligated party for payment to XXXX XXXX XXXX LLC? If so, please provide where. 

Since the original instrument has failed to be sent, provide proof that I am the obligated party for repayment. 


There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX XXXX and TransUnion are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with XXXX XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX nor did XXXX XXXX XXXX XXXX make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtedness ). 
I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.