davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Subject : Complaint Against EQUIFAX INFORMATION SERVICES, LLC for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX INFORMATION SERVICE, LLC for its repeated failure to remove inaccurate Inquiries information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

INACURATE INQUIRIES : XXXX. XXXX XXXX - XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX, XXXX - XXXX. 

Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUFAX INFORMATION SERVICES , LLC has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EQUIFAX INFORMATION SERVICES, LLC to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX INFORMATION SERVICE , LLC for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX INFORMATION SERVICES, LLC upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OK)

XXXX continues to misrepresent my loan. On on the credit report 's they state that the loan has a 480 month term when the loan has a 360 month term they state that I 've been on the modification agreement since XXXX when the minute modification agreement began in XXXX in their transfer letter XXXX stated they would honor any modifications that XXXX had with us but Ocwen did and does not oblige by the rules that XXXX had for us that 's misrepresenting the loan. Ocwen continues to inflate the amount that was owed on the loan all of this I have evidence for. Ocwen XXXX on the credit report that they 've had the loan since XXXX but nova star was actually the place we opened our loan with then the loan was transferred to XXXX in XXXX The transfer letter states that I can receive the loan in XXXX and thus continue to misrepresent this date on XXXX credit report. XXXX escrow amounts do not match up with the previous servicers escrow amounts. Ocwen nor XXXX XXXX XXXX XXXX XXXX have submitted correct loan papers into the XXXX county land records. Ocwen is not helping and the loan modification process because they want us to pay an inflated price on the loan modification process and the inflammation of the price is around {$180000.00} meaning the modification they want us to sign is for {$330000.00} while we only purchased the house for {$180000.00} and we put an {$18000.00} down payment on the house and XXXX stated in the letter that our payoff amount in XXXX was only {$150000.00}. They are trying to get us to sign the modification under duress so that they can continue to try and foreclose on us. They state that the land was sold and transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX backdating to XXXX XXXX but the endorser on the note lost his job in XXXX XXXX and according to the separation agreement of XXXX XXXX that has been filed with the securities and exchange commission XXXX XXXX signature does not mind the company XXXX XXXX to any other lender I have proof of this which I 've used an evidence in court. Ocwen continues to not send monthly statements as required by regulation Z. They want us to say that we release of claims against them on a modification that 's over 200,000 the worth of our home
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure it is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. A loan Modification packet was submitted on behalf of the client on XXXX/XXXX/XXXX to your office. It was confirmed the documents have been recieved with your office. The borrower complied with all request for documents. Your office informed our office on XXXX XXXX that additional documents were needed and the file is in review. Yet there is a active sale date. As stated above you are required to postpone or cancel the sale date while the file is in review.
Consumer complaint received 2024-09-12
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. (OH)

I've been a victim of identity theft. I have noticed some inaccurate and fraudulent accounts on my credit report that I did not benefit from. According to 15 USC 1681 ( e ) B, this is a law for accuracy that the credit reporting agencies MUST verify in order to report any accounts to my credit. All information sold to the debt collectors and chargeoff accounts which appear on my credit, are indeed fraudulent and did not have my consent to have my information. My car loan was originally opened for $ XXXX, and accrued to $ XXXX when I was affected by XXXX. It has not been fully repossessed, as the XXXX insurance company still has not even paid the loan company the amount of my GAP insurance. Also, I never authorized for a first financial credit line account to be opened in my name. I need these fraudulent, inaccurate accounts removed immediately. 
I will provide my identity theft report, my proof of address, my driver 's license ID, and proof that I was impacted by XXXX, which was after the time of when I got the car and fell behind on payments. My balance should not be $ XXXX, and when I called today, they stated I owed up to $ XXXX which would not be accurate either.
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

We are a third party firm contracted by the borrowers towards getting a short sale of their home completed. Midland Credit Management , Inc is a junior lien holder of approximately  {$10000.00} in debt from the borrowers. We have made repeated attempts to get them to accept less than the full amount due in order to get the short sale closed and completed, specifically because if the property goes into foreclosure they will not receive anything. 

We have asked for a partial settlement, thereby releasing the lien on the property and even having them not waive the remainder of the deficiency to complete more debt collection offers and they are not allowing this.
Consumer complaint received 2017-08-29
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My grandmother-in-law ( " grandma '' ) unfortunately has a reverse mortgage on her primary address. My grandmother is originally from the XXXX and English is her second language and is XXXX years old. 

In XX/XX/XXXX, my Grandma 's home was foreclosed and sold. Ever since her husband had XXXX, she did not understand how to get her own home insurance, therefore XXXX XXXX who held her Reverse Mortgage would force place home insurance on her property. Grandma did n't understand how the payments would work and would eventually get them paid late. Unfortunately, the XX/XX/XXXX amount of {$2100.00} was never paid and XXXX foreclosed. Grandma had the unfortunate event of having the new owner come to her house which confused her greatly. This is where she got me involved to see if I could help. Through a month of phone calls and pleading, XXXX was able to contact the new owner of the home and get the sale of the home reverse and the rescinded the foreclosure. 

In XX/XX/XXXX, it was time for the next year 's of insurance to be paid. Grandma made the {$2000.00} payment in XX/XX/XXXX or XX/XX/XXXXto pay for the full year of home insurance. No monthly payment option was available. 

In XX/XX/XXXX I was contacted and informed that her maximum claim amount was going to be reached and that her reverse mortgage was going to be transferred to H.U.D. for servicing. This could only happen after she obtains her own home insurance. 

In XX/XX/XXXX, we were able to secure new home insurance for grandma 's home and had to pay a full that new premium for her own insurance. We contact XXXX XXXX and informed us that grandma was due a {$1100.00} refund for the original forced place insurance. 

Since XX/XX/XXXX, we have continually contacted XXXX XXXX and they have not been able to inform us why grandma 's check has not been sent to her. They continually tell us that they are researching this with never an answer. We are now in XX/XX/XXXX and I have contacted them for three straight days and they still can not provide us an answer. 

Grandma is on a fixed income and desperately needs those funds returned.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (FL)

Wyndham Capital Mortgage presented me a refinance at 4.875 % interest with 0.887 % of Loan Amount Discount points with a 60 day lock on XX/XX/XXXX. 
The closing took place on XX/XX/XXXX and they charged me 1.012 % of Loan Amount Discount point plus a Borrower Paid Lock Ext of {$220.00}. 
I was totally unaware of this increase on discount point and this Lock Ext until two days prior to the closing ; therefore, I did n't have time to fight this. 
I decided to close anyways and file a complaint. I let them know that I was going to file a complaint.
Consumer complaint received 2017-05-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Creditors Connection, Inc (MS)

I called   XXXX   XXXX   on several occasions and informed them when I was going to pay them but instead they acted as if I never called and arranged payment. They then sent a person to my house to bring papers after speaking to me mor e than 2 weeks prior. Then I receive a letter from NCCI a collection agency advising of the debt but I was already given a time frame to get my payments up too date. This company is not keeping track of communication from their mortgage holders and sending mortgage holders to collection agency and sending door knockers for no apparent reason after they have already received calls in order to bill a mortgage holder fo r services that are not necessary and to be harassed by a collection company at the same time after they have accepted payment arrangement.
Consumer complaint received 2017-05-27
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX CFPB : JPMChase hired a Cartage/Storage company lacking Illinois Commerce Commission ( ICC ) Licensure to take away everything that I owned, the personal property of five ( 5 ) generations of my family from my Family Homestead, XXXX XXXX XXXX, XXXX, IL XXXX, which my parents, XXXX and XXXX, had built, XX/XX/XXXX. It is a violation of Illinois Law to hire a Cartage/Storage company lacking Illinois Commerce Commission ( ICC ) Licensure. I demand the immediate return to me of everything taken from XXXX XXXX by  JPMChase in violation of the Illinois Unclaimed Property Act and other Extant Legislation. Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2017-05-27
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: EQUIFAX, INC. (GA)

I have previously disputed this item and asked for verifiable proof and company has failed to provide of debt. The name of the company is  XXXX   XXXX   XXXX   2017  in the amoint of {$150.00}. Can you please help me to validate this debt.
Consumer complaint received 2017-05-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

As requested, I sent a detailed explanation of my situation to AES for them to forward to the lender. This was nearly 2 months ago, and I still have not heard back from anyone, other than to continue with the threatening & harassing emails, phone calls, and letters ... to both me and my elderly mother! They have completely ruined both or our credit scores.     The last correspondence I have had with them was back on  XXXX   XXXX  : " A request has been submitted to have your lender contacted. Please allow up to 10 business days for processing. We can not provide a response time for your lender nor can we guarantee an outcome. '' It is now  XXXX   XXXX , and I 'm still waiting to hear from someone.
Consumer complaint received 2017-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

USAA Federal Savings  Bank And  XXXX   XXXX  can not effectively communicate  ; USAA Home Value  Monitoring on my Residence-  XXXX   XXXX   XXXX   XXXX   XXXX  , AL  XXXX  is  XXXX  dollars while  XXXX  estimate  XXXX  dollars approximately after putting in over  XXXX  dollars in repairs/modifications ;    XXXX    numerous  books Property Owners Associations etc ... have ability to decrease home value and I have had significant issues with both my home owners association and City of  XXXX  , AL ,  XXXX  ; Also  XXXX  veterans live in this area and U SAA is  a military bank, run by ex-senior officers, so no telling what influences have played out here- not for me to figure out? My realtor with  XXXX   XXXX   XXXX  contacted USAA on my behalf asking for an explanation of the  XXXX  value and got transferred around to three different people/agents, they were then told an informal estimate would be emailed to me within 24-hours. This did not happen!!! I called USAA and talked with agent Friday  XXXX   XXXX    XXXX  . I had to repeat myself constantly. This agent then placed me on hold a very long time and then transferred me to wrong department in   XXXX   XXXX  - I then had to repeat myself over and over again. I told both USAA and  XXXX   XXXX  I wanted an informal estimate, and if it was  XXXX  below  XXXX  I wanted a complete written explanation as to why. I told  XXXX   XXXX  they had  24-hours  to sort this out with USAA and get back with me and they have not.  XXXX  my writing you yet again about another issue with USAA Mortgage servicing. I am beginning to lose count now. Any assistance would be greatly appreciated.
Consumer complaint received 2017-05-27
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: Amsher Collection Services, Inc. (IL)

I   check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of Amsher Collection services reported a collection on my reports with an acct # of  XXXX . It states that I owe   XXXX  . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a   XXXX   account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or Amsher Collection.
I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,   XXXX   and   XXXX    have completed their investigation and removed this account.
  XXXX    however has not removed this account.
Consumer complaint received 2017-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, I am  XXXX . Having checking account in bank of america. Today, i went to   XXXX    XXXX , nj branch to deposit the fund of  XXXX   XXXX   XXXX  . But after i handed over the fund to the teller. She mentioned i had only give her   XXXX    instead of  XXXX .
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Denominzation which i gave to her is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . But instead she had given me the denominzation of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . This is clearly looks to be scam and fradulent behaviour. How can my   XXXX   can be turned in  XXXX . I insited to look at her drawer, initially she denied, and when i asked her 2nd time she agreed to do so. After sometime she checked something and came back to me and said, that i was correct, and accepted that i gave her   XXXX   and she missed it some where? i really do n't trust her, for the very simple reason. I did n't have  XXXX  dollar bill in my denomination. This looks to me as clear case of money laundering. 2 Thanks,   XXXX
Consumer complaint received 2017-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (WA)

X/XX/2017 - I logged into my account to check the amount I owed this month and the amount had nearly doubled. I checked the interested rate, and it was n't that much more than it was the prior month. Furthermore, I decreased the amount I owed below what the original loan amount was, so it did n't make sense that my loan payment amount nearly doubled in the course of a month. 

I have n't spoken to the lender yet because I am worried they will deny it. I 'm concerned that I am being punished with higher payments because I pay more than my minimum monthly payment. Basically, I think they are punishing me for trying to pay my loan off early.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX and Equifax continue to publish a collections in my name. Experience deleted the inaccuracy due to identity theft. I wrote to XXXX XXXX and XXXX XXXX and they have not blocked it from my report. I 'm a victim of fraud and have had great difficulty obtaining credit as a result.
Consumer complaint received 2017-08-29
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. (PA)

I had a private student loan with XXXX XXXX XXXX in XX/XX/XXXX. The account was past due in XX/XX/XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the Open and Status dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations Collection Agency listing : XXXX XXXX XXXX. Account number XXXX
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the past 7 years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

Experian is reporting an incorrect address as XXXX XXXX XXXX XXXX XXXX ct XXXX. I 've never lived there and never had anything associated with that address. I want it removed immediately
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

Some one opened a Fraudulent Credit Card account with Discover. I have mentioned to them several times that I did not apply for that card. I filed an Identity Theft Police Report, submitted it to them and to the Credit Bureaus but Discover still does not want to remove this from my Credit Histories. Please help
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

For the past XXXX years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.