davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (MD)

False claim or representations violation co-conspirators were and are a debt collector under the FDCPA. 
Ocwen loan servicer Attached by XXXX XXXX of the office of ombudsman team at ocwen loan servicers claims that my loan was originated by XXXX and attached lost note affidavit to support it claims which is false. MY loan was originated by XXXX XXXX XXXX. 

This a matter of Public concern which ocwen loan servicing LLC and its con conspiracy XXXX, XXXX XXXX under the control of XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX. 

Indecome global services, XXXX XXXX, XXXX, Ocwen loan servicing LLC . 

XXXX frivolous lawsuit is nothing more than an invalid effort to harass and intimidate me in Violation of Federal and State statutes and, in addition, common law torts, including fraud, in Connection with foreclosure actions prosecuted by debt collector XXXX XXXX XXXX .ON Tens of Thousands of XXXX Foreclosure Frauds Orchestrated by 'Foreclosure Mill ' Attorney & Banks '' ( co -conspiracy ocwen loan servicing XXXX XXXX, XXXX , XXXX law firm XXXX were acting as debt collectors " pursuant to federal law '' as a collection agent for XXXX is actually representing XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fka XXXX as successor to XXXX XXXX XXXX XXXX as trustee FOR ramp XXXX and ocwen loan servicing, XXXX same services same as XXXX ) XXXX president ( indictment ) XXXX XXXX as attached she admitted to the types of activities that XXXX, ocwen loan, XXXX XXXX, XXXX XXXX are involve in around the counties around XXXX .see attached A XXXX search produces numerous articles and blogs referencing XXXX, XXXX, ocwen loan servicing robo signing, back dated documents, fraud documentation participation in the foreclosure crisis in XXXX in Associated with ROBO signing. 

XXXX XXXX XXXX LAW FIRM are attorneys who knows better, yet their foreclosure filings for parties who have no standing to sue confuse the courts and homeowners while he and his banking clients con conspiracy bank profit tremendously by throwing people on the streets. 

- '' Courts have rules and laws are made to be followed. XXXX XXXX needs to follow the rules and be accountable just like the rest of us, else we 're all victims to one big XXXX XXXX scam. '' - '' This is the biggest fraud in history, and it 's being done by the attorneys. ( XXXX XXXX XXXX The banks would n't be able to do it without the attorneys, '' ( XXXX XXXX XXXX law firm XXXX, XXXX, XXXX XXXX, XXXX XXXX ) - " These attorneys are not acting like attorneys. '' - " Theyre making up their own rules, and thats what frauds do, '' ... '' They 're just making stuff up. '' XXXX XXXX XXXX assignment fraud XXXX XXXX fraud assignments alphabet soup non existence `empty trust Photo shop mortgage note ( counterfeits checks, money " The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. )
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I continue to have issues with Trans union, and at this time, I would like some answers to why my online access is restricted. I'm able to sign in but when I try to pull credit report, request score, and/or access the dispute center, I'm getting error message " We're unable to complete your request online ''. I had this issue before and I don't understand what seems to be the problem, but this is now the second time I've had issues with Trans union limiting my online access. This is unconstitutional and a form of retaliation in my opinion.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have never had a loan with XXXX, however XXXX is reporting negative loan information on my Experian credit report. I have repeatedly filed disputes with Experian and they keep telling me they have verified that this mortgage loan is mine. I 've even asked XXXX to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. I have tried to file another dispute with Experian, but I 'm told I can not fie another dispute, since I have previously filed a dispute in the past with them. I asked them why, and their response was : I could file another dispute, if I had additional documentation. Well, I do n't have additional documentation because there 's not any additional documentation to provide ... .It 's simply not my loan! Please contact Experian and advise them to delete this negative information off of my Experian credit report. The account in question is showing on my Experian credit report as : XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-08-27
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance Owed : {$100.00}, XXXX XXXX Balance Owed : {$1000.00}, XXXX XXXX XXXX  Balance Owed : {$990.00}, XXXX XXXX  Balance Owed : {$950.00}
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (ID)

I disputed the open collections that are still showing up on my credit report since my bankruptcy was discharged XXXX XXXX 2014. The Equifax is not reporting the collections correctly and after talking with the collection agencies themselves i was told they are reporting them as closed collections discharged in bankruptcy. This is causing XXXX collection accounts to show up on my credit report as open collections dramatically injuring my ability to rebuild my credit. I have had no collections since the bankruptcy and have been disputing with this agency since the beginning of this year XXXX / XXXX
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

After reviewing my credit report XX/XX/2016 I noticed an unfamiliar collection account in the amount of XXXX. 
I called the listed CO to inquire. It was a co pay from a hospital visit that I was told would be taken care of ( I work at this hospital and was at work at the time of being seen ) Reluctantly I paid it and asked them why I did n't receive notice of this account .... They insisted they sent bills and notice but when i spoke to the hospital they had an old address .... 

XX/XX/2016 CO account updates to paid and score goes up a few points. 
XX/XX/2016 I re check my credit report and for unknown reason centeral finance reported again this month as XXXX balance thus re-aging the account. 

Several FCRA violation!! 
I have uploaded a picture showing the new reporting date
Consumer complaint received 2024-09-30
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. (TN)

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 a word document. I am a victim of identity theft. I have multiple accounts and inquiries 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 identity 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.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance Owed : {$100.00}, XXXX XXXX  Balance Owed : {$1000.00}, XXXX XXXX XXXX  Balance Owed : {$990.00}, XXXX XXXX Balance Owed : {$950.00}
Consumer complaint received 2015-05-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

We purchase a XXXX Fleetwood motor home from XXXX 's RV last XX/XX/XXXX. 
XXXX RV issued us a loan through Ally Bank. A couple of days after we took possesion of the RV XXXX went out of business. Our rv was a trade in and XXXX never paid it off to XXXX XXXX XXXX. XXXX put a lien on it and for over a year now we have n't been able to register it. Ally bank has done absolutely nothing to help solve the problem. We have been paying Ally Bank every month for something that we ca n't use. They have no title for this Rv. We have vacations coming up in which we put deposits down last year and unless this gets resolved very soon we will not only be out the deposit money but also wo n't be able to use the rv we are paying for.
Consumer complaint received 2018-04-13
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. (FL)

I have contacted both XXXX  and Transunion regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months of XX/XX/XXXX and XX/XX/XXXX.

I was not late on those months.
Consumer complaint received 2018-04-15
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my XXXX XXXX XXXX checking account. I filed a police report which has been attached. XXXX XXXX XXXX risk department froze my checking account and closed it. I was told by numerous XXXX XXXX XXXX employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that XXXX  XXXX XXXX has reported the hacked accounts to ChexSystems and XXXX XXXX XXXX. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.
Consumer complaint received 2018-04-15
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: Clarity Services (NY)

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX  report and found the inquiry below which was not authorized by me : Clarity Services on behalf of XXXX XXXX XXXX Date : XX/XX/2018
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts are in Direct Violation of the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX / Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Under 15 U.S.C 1681 Section 602 ( A ) has violated several of my rights. It also states a consumer reporting agency can not furnish my account without my written instructions.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts as per 15 U.S.C 1681. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation. Remove these accounts immediately as they are in violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

On XXXX XXXX XXXX I went foreclosure due my financial hardship of income loss and my sons condition he was having with his XXXX and XXXX.. I recently did a uniform borrower assistance form for Bank of America and in XX/XX/XXXX I was denied a loan modification on XXXX XXXX XXXX .. I appealed and was denied on XXXX XXXX because they said I did not have a Financial hardship and my Income was the same and my bills are not higher than my income. I Fax all my housing expense documents to Bank of America pertaining my job loss, bills and home insurance premiums property taxes and they still did not look this through and waited to the last minute to call me. I also told Bank America my mom does not help me anymore and that was a loss of income I dont get anymore. I also was not gived a written notice to prevent a foreclosure for my home.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX, XXXX, & Equifax continue to report late payments on the account listed as XXXX Account # XXXX XXXX report late payments for XX/XX/year> and XX/XX/year> XXXX XX/XX/year> and XX/XX/year> Equifax XXXX XXXX and XX/XX/year> these late payments do not match up so that means this information has not been verified as accurate. Furthermore this account can not be reported late. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

My client submitted a request for short sale to Penny Mac in XXXX and we were told the file had been submitted to the investor for a decision in early XXXX. We had a ratified contract on the property in XXXX and were told to hold it until we received the Approval to Participate ( ATP ) which is the FHA letter allowing the seller to participate in the pre-foreclosure sale. Approximately 10 days later we were informed that the property has a foreclosure sale date of XX/XX/2017. When I confronted the contact at Penny Mac he said he is just informing us of the sale date and that the review was still pending. After several days I emailed him to get the status of the ATP and was told they will not issue the ATP since there is a sale date scheduled. I explained we had an offer on the property and asked him why he told us not to submit the contract. His response was the investor initiated the foreclosure faster that they thought it would be. I immediately sent in the offer and closing disclosure and requested he send it in for review. I asked for an update and he is no longer returning calls or emails. I have called his manager 3 times and not received any return calls. My client was depending on Penny Mac to handle his request in a timely manner and give him consideration on his offer and they have completely dropped the ball. This company has drug the process on and allowed the home to go into foreclosure when they had the ability to move the file in a timely manner and keep the foreclosure process from being initiated
Consumer complaint received 2018-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I am filing this complaint because I was mislead by XXXX XXXX at XXXX XXXX during my refinance process. 

Although I was going to get a slightly lower interest rate, I was hesitant to refinance because I was already 1 year into my PMI payments with the current loan at Wells Fargo. He insisted that the lower interest rate would out weigh the ONE year of extra PMI payments. 

-- My father is my witness as I placed ALL phone conversations on speaker phone so that he could listen and ask questions on my behalf ... 


XXXX told " us '' that I would not have ANY issues getting rid of the PMI after the 5 years. He said to make sure that I was never late with any of my payments. He explained that I would want to reach out to the bank at least 6 months prior to the 5 year contract term to " get the ball rolling ''. He said I would probably need to obtain and pay for another appraisal but in the end ..would n't it be better to pay {$500.00} dollars for that than to pay the PMI monthly. He said that as long as the appraisal showed there was 20 % equity in the home, the bank would have to cease the PMI payments. He went on and on about the current house market ( at that time ) and how the house was probably close to it already. He said there would be no issues. 

A month after my refinance went through, I received a letter from XXXX XXXX XXXX telling me that my mortgage was sold to Wells Fargo. 

So when the 4 1/2 years had gone by and I had paid all of my payments on time, I reached out to Wells Fargo to discuss removing the PMI at the 5 year mark. I was told then that it could not be taken off until their was 20 % equity of the " original '' purchase price. This would have me paying these PMI payments until XX/XX/2021. This was NEVER mentioned by XXXX. 

I feel I was completely mislead just so that he could possibly have met his " quota '' for refinances. And I am now paying the price.
Consumer complaint received 2024-09-06
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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>
Consumer complaint received 2015-10-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had Applied for a Loan with Countrywide Mortgage now Bank of America XXXX/XXXX/2005 ( Exhibit ( B ) which I later Withdrew ( Exhibit ( F ) Countrywide/Bank of America Still moved forward with An alleged Loan ( # XXXX : ( Exhibit G ) using unsigned and False Documents ( Exhibit C, D, E ) : provided to Me upon showing my Government issued Drivers License to prove my Identity to XXXX XXXX Bank of America Representative XXXX office ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX, Phone # XXXX. 
I asked for an Investigation from Bank of America but they Refused until I Sign an Affidavit Relinquishing my Rights, which I see as extortion and giving up my Legal rights to Damages caused by Bank of America and its subsidiaries. Why would They need me to Sign anything when the information was provided to me From their own computers and Files? 
I just proved the Theft to them and they admitted to the Theft of my Personal information in A Letter provided to me By Countrywide ( Exhibit ( A ). 
Because of This Loan I have now been wrongfully Foreclosed on, and Forcefully Evicted from my Home.I did not Know the extent of the Damages caused by this Breach until recently upon my own Investigations and Research using FOIA and public records request via Government Agencies, The courts and Legal system have Failed to Give Me a Remedy in order to cover up the Corruption I have uncovered by Banks and Lending institutions using Government Sponsored Entities ( XXXX ) to Shield and obstruct the PUBLIC from getting Remedies and information.
Consumer complaint received 2018-04-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Law Office of Michael J. Scott, PC (TX)

XXXX XXXX XXXX XXXX keep harassing me and my daughter about a old debt from XX/XX/2004that was charged off by XXXX XXXX prior to that. This law firm keeps sending letters and calling stating " i will be arrested for not paying. '' Their address is XXXX XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX. XXXX. I looked at my credit reports from all 3 CRA 's and none list this outstanding debt.