davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following account is not mine XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items, thereby removing them from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor is unable to verify should be promptly eliminated. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. Additionally, I request that you notify any party who has received a copy of my credit report within the past XXXX months about the corrections made. 

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

3 years ago ... we received a Shared Modification from Ocwen ... They are the epitome of a THIEF. Thy request invoices and documents of what was updated in our home. We submitted them and they have the nerve too say we can not confirm. ARE THEY A BUNCH OF XXXX OR WHAT. We fixed and updated our bathroom utilizing XXXX XXXX to complete the job. W also used a glass company to replace the Shower door. sent in those invoices. They are fools and idiots and I am tired of going back and forth. WHY ARE YOU PEOPLE NOT DOING SOMETHING ABOUT THIS COMPANY. 
I have had it with them trying to rip us off. 
Now the invoice for the shower is {$4200.00} and the invoice for the shower door is {$1300.00}. Where they got the invoice where they saw {$780.00} is beyond me. They are bunch of XXXX people. Also submitted invoice where new roof was done, gutters replaced and siding and new windows. 
NOW YOU HAD BETTER TAKE CARE OF THIS AS WE ARE FED UP.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

I strongly feel that my mortgage is consider to be " underwater ''. I have been min iiinn my in my home for 22yrs now. When I first purchased my home it listed for {$78000.00}. I just got approved for a balloon loan modification through the HAMP program. This loan was modified with a new principal balance of {$120000.00} with a 2 % interest rate for 20yrs and at the end of the 20yr loan period I will owe a remaining balance of {$55000.00} that will be due in XX/XX/XXXX. I am complainting because I do not know why I still owe this large this large amount of money on my home after 22 years of payments. I want to know where has all my money gone in the last 22 years because I feel like I am starting all over with this new balloon loan modification and no one seems to have the answers to my questions. In fact, I should just about be finish paying for this single family home in 8 more years. I first brought this home XX/XX/XXXX. Please help me understand my total situation.
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc. (SC)

I received a ticket and now a notice from a collection agency for a toll violation in the state of Delaware which I do not believe is mine. I was not the driver of the vehicle at that time and therefore I do not believe a collection agency has the right to penalize some one for owning a vehicle that may have violated a few dollar toll, and then attempt to collect {$66.00} from that person by threatening derogatory credit reporting without proof of who actually committed the alleged violation.
Consumer complaint received 2024-08-23
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

OCWEN Loan Servicing , LLC conducted a loan modification without my knowledge nor authorization. My signature was forged on a loan modification document which was not notarized. I am the co-borrower on loan # XXXX. I have attempted to be removed from the mortgage which has negatively impacted my credit. I am held financially responsible for such loan although decisions on the loan as well as a modification have been made without my knowledge or consent. I should not be held financially responsible for a loan which I was not informed of the new terms and conditions that I did not agree to. The co-borrower ; as well as her family members have gone back and forth on deed / ownership of the property and also have been involved in fraudulent mortgages in the past ; including co-borrowers ex-husband and father both of whom have filed bankruptcy over foreclosures. I am deeply concerned with my credit since I have not lived in the property for over 8+ years, do not have any financial investment in property nor do I make any payments towards said mortgage yet I am negatively effected as a co-borrower. OCWEN does not correspond nor consult me in decisions made on the loan my name is attached to. **NOTE : I do not know which mortgage process my issue is related to below
Consumer complaint received 2024-10-07
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: SYNCHRONY FINANCIAL (TN)

I looked at my credit report early last month and noticed names, addresses, phone numbers, and accounts that were not mine. I started the dispute process with each creditor and all but one agreed that it was not mine. One agency allegedly verified that it was in fact my debt. I called them to determine how they decided it was my debt, and they confirmed with me that my name and social is not in their system having any debt with them. 

During my research I noticed that all of these accounts that were not mine were added to my XXXX credit report on a single day. When I asked XXXX representatives how this could have happened and why someone from California with a long history of good credit and no association to any of the locations where the bad accounts were from could suddenly have this amount of bad information added at one moment and this not cause any sort of alarm bells or investigation on their behalf, they refused to give me an answer.
Consumer complaint received 2024-10-07
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. (TX)

I am reaching out to dispute the ongoing verification of an account on my credit report. Attached are letters that clearly prove the information being reported is inaccurate. Despite this, your agency has failed to make the necessary corrections and continues to report the information as accurate. 

This failure to correct the inaccurate information violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which mandates that you investigate and correct any inaccuracies. I kindly request that you conduct a thorough reinvestigation and either correct or remove the inaccurate information from my credit report to ensure its accuracy.
Consumer complaint received 2016-11-22
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Onity Group Inc. (NC)

The OCWEN LOAN SERVICING account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as of XXXX. This account has been delinquent since XX/XX/XXXX. The account has never been brought current and in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), Ocwen loan servicing knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account. On several XXXX credit reporting disputes Ocwen loan servicing maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. 
I have enclosed a letter from the last creditor acknowledging FDO as XX/XX/XXXX, as well as a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XX/XX/XXXX, and a copy of my Chapter XXXX bankruptcy from XX/XX/XXXX, making it currently XXXX old. This account has continuously been sold and resold. XXXX loan & gt ; XXXX & gt ; Ocwen & gt ; XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.
Consumer complaint received 2015-06-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. 
1 ) XXXX XXXX : XXXX accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. 
2 ) Portfolio Recovery Associates : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than XXXX days ago, I have not get an answer.
Consumer complaint received 2024-11-01
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. (IL)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 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.
Consumer complaint received 2016-01-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery is attempting to repeatedly collect on a time barred account I had years ago with XXXX My caller ID indicates they called me today at XXXX. from phone number : XXXX after multiple times previously informing them to " stop calling '' my personal residence and to contact me by mail if necessary. I informed them that they are " harassing '' me and invading my privacy at my home and to stop immediately. They refuse to comply.
Consumer complaint received 2017-01-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Financial Services reported incorrectly information to the Credit Bureaus for a late payment done on XX/XX/XXXX. This late payment was not reported until I protested another late payment done in XX/XX/XXXX. I feel that TOYOTA FS was dishonest in reporting to the Credit Bureaus correct information and I never received any notice or call regarding making a late payment either. When I protested on the BBB in XXXX, XXXX admitted that they had done a mistake/error and should have reported this late payment. I was never informed that they had made this report or late marker. Therefore I feel that TFS is acting in a dishonest illegal way due to not informing the bureaus and then backtracking themselves and not informing me. I believed that payments could be done until the XX/XX/XXXX without penalties. 
On another note, I payed my monthly payment on XX/XX/XXXX due to the fact that previously I had payed up the XX/XX/XXXX th before getting a XXXX day late payment marker. I also called TOYOTA on the XXXX letting them know that I was sending a check for the complete payment on the XX/XX/XXXX since I had refinanced my mortgage to pay off my account with TFS. I was never told that a late payment marker was being applied that day due to lack of payment.
Consumer complaint received 2016-03-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Associates filed a lawsuit in the XXXX County Court of Common Pleas XX/XX/XXXX. The attorney representing Portfolio was XXXX XXXX whose offices are in XXXX South Carolina. They filed a complaint and summons on XXXX/XXXX/XXXX. I filed a timely answer on XXXX/XXXX/XXXX in which I disputed the validation of the debt. On XXXX/XXXX/XXXX Portfolio filed a motion for summary judgment without providing any proof of the Debt, the age of the Debt, the amount of the Debt, the interest rate, and other material information about the Debt. On XXXX/XXXX/XXXX Portfolio Recovery Associates filed another motion for Default judgment and the motion was granted. 

I contacted Portfolio 's attorney who filed the original motion back XX/XX/XXXX. XXXX XXXX offices informed me my file had been transferred back to Portfolio Recovery and I would need to contact them directly. 

I 've attempted on multiple occasions to contact Portfolio about the status of this judgment without success. Each time I am transferred from what they call the litigation department to collections. 

Based on the XXXX XXXX findings of the CFPB this judgment was obtained under fraudulent means. Based on the consent order, this judgment should be vacated and all collection efforts should be ceased, however Portfolio continues refuses to speak with me directly about this matter. 

Judgment # XXXX
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I graduated in XX/XX/XXXX and consolidated my loans with XXXX XXXX. In XX/XX/XXXX I started working for The City of XXXX as a XXXX. In XX/XX/XXXX XXXX XXXX passed a loan forgiveness program for public servants such as Firefighters and Police officers. The program worked if you made 120 consecutive payments without missing one payment, in exchange for the increased risk I face daily at my job serving the public. Once this was passed I spoke with XXXX XXXX to make sure I was on the right track, which they assured me I was. Several years ago XXXX XXXX became Navient and sent me a letter that nothing would change on my end. It is now XX/XX/XXXX and I have not missed a single payment. My bank recently changed and I wanted to follow up with Navient to make sure my payments would not be interrupted, disqualifying my loan forgiveness. They notified me that I have the wrong " type '' of loan and that I would not be eligible. This is wrong and unacceptable. I am writing this to ask for your assistance.
Consumer complaint received 2016-11-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have requested information /validation on this dedt bearing my signature and have not received anything stating that owe this company and money, they have repeatedly respond stating that they investigate and verify the validity of my dedt and do n't even allow me to dispute there claim I have never signed a contract, nor do I owe thme any money
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-03-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

I work XXXX in XXXX New York XXXX. With the new credit card readers, customers of XXXX Bank and First Niagara often find it confusing to use their bank/ATM card. XXXXFirst Niagara charges a fee to use a bank card as a debit card, but when a customer swipes their card, XXXX options appear, XXXX XXXX and XXXX XXXX. Customers naturally choose the XXXX XXXX option but find that at that point in the transaction, they can not use their cards a credit, and have to use them as a debit card and pay a fee. While many customers reverse course and hit the international XXXX option so the cay pay for their groceries without having to pay the bank a fee, many customers presumably in a hurry or just frustrated and confused, decide not to bother with swiping their card again and just choose to use the card as a debit and pay the bank a fee. Customers who do cancel their transactions and start over complain about this set up and often ask me " Why do I have hit international XXXX just to use credit, I am from the XXXX, that makes no sense ''. They say they have complained to their banks, to no avail, with the banks citing the stores card readers at fault, but they are the only bank 's whose card works like that, and customer have complained about similar experiences happening at other stores. I believe that First Niagara and XXXX intentionally set up their debit cards to work like this, so that they could confuse customers who otherwise would have not entered their pin and avoided the fee. If so they are defrauding consumers and engaging in a manipulative tactic in order to squeeze money out of people.
Consumer complaint received 2016-03-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ashton & Weinberg, Inc. (VA)

Ashton and Weinberg Inc. ( XXXX ) XXXX called my cell phone and left XXXX messages last Friday XXXX XXXX stating that since they were unable to get in touch with me they would be " going on XXXX '' to try to find me and my family and friends so that they contact them to see if I was " Okay :. I was at work when the messages were left for me and once I got off I listened to them and almost immediately afterwards I received a phone call from my dad stating and " attorney 's office ( which I do not believe that they are ) called and was searching for me and they left a " claim number '' with him. Then my brother called and stated that hey had also called him and he let me listen to the message which again stated they would be going on XXXX to find my family and friends and they would be contacting them and they also left that " claim '' number on my brother 's voicemail. Then my mother called and said they had called her work. Yes her work and left a message with a receptionist giving them my name and " claim number '' and asked the receptionist to have my mom call them. This may not technically be considered harassment in the eyes of the law. But it is definitely bordering the definition of harassment. And at the least, they very least it is unethical. I worked for a collection agency and I understand Skip tracing and other methods to find family members. But never did we leave any information other then a message, definitely never a " claim number '' or any other information of that sort And when told to cease the phone calls to the family members, we did. I left them tow messages Friday night after I got off of work to let them know that they are never again to call my family and I gave them my cell phone number ( which they already had ) as well as my address for correspondences. Once again, this may not be legally harassment, but it is definitely at the very least crossing the line.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have XXXX credit cards with Bank of America. I experienced financial hardship over the course of 2 years. I called multiple times to request help and they would not assist me and said nothing could be done. I finally spoke with someone ( in XX/XX/XXXX ) who said XXXX ( XXXX ) could help and provide the phone number to get things started. I set up an account with XXXX and they sent the proposal to BOA. BOA denied the proposal but did not tell me why for weeks. I finally found out it was because I had XXXX credit cards small balances and BOA demanded I included those in the proposal. I paid then off. XXXX was told XXXX tried to contact them and BOA did not get in contact with them. XXXX again tried to get in contact with BOA who stated I had additional things on my credit report and that is why they were denying me. XXXX and I pulled my credit report and there was nothing additional on there. Since XX/XX/XXXX, BOA is charging me late fees and over the limit fees and not working with XXXX after directing me to them. BOA continues to come up with excuses as to why they will not accept the proposals but either not sharing this information in a timely manner with XXXX or making up things that are not true such as the additional things on my credit report. I wrote their customer relations department early XX/XX/2017 and have not heard back from them. 
When I call in and speak to their employees no one has answers for me and it takes days for supervisors to call me back and let me know what is going on. They tell me wrong information such as they do not take outstanding medical bills into account and then say that the XXXX medical bill I have in collections does count in their decision. I feel like they are purposely not working with me in an effort to collect more money from me.