davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANCORP (PR)

I make a deposit of XXXX dollar in a ATH machine in the outside of my bank local, and they never credit it to my account. I submit a claim to them and suggest them to check the video camera. Then they send mi a letter where they said that the video show the envelope was empty which is completely false. I check the video with them and it is clear that I put the money in the envelope. I never put back the money outside the envelope. They reject to give me a copy of the video which it is clear they are hiding something, After I ask them for the transaction journal and the show me a list of transaction that show I cancel the transaction which I suspect is an altered list for three reason. First I never cancel any thing during my transaction, the machine give a confirmation number in the screen. Second The machine do not allow cancel once the money is inside and it is contradictory with the version of them of finding an empty envelope inside. Third if there were a cancelation of my transaction they would said me that in the letter since they said that they check the ATH transaction also. They stole me a {$200.00} dollar and them betray me with a very respectfully letter suggesting I am doing some trick which I found very offensive. I have direct deposit in this bank, XXXX account including my house mortgage and I have been client of them for 15 years.
Consumer complaint received 2015-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (WA)

I purchased a stereo from XXXX XXXX back in XXXX 2014. I paid for the stereo in full. A month ago a collection company contacts me stating I owe {$3000.00}? I do not owe this company any more money. This is fraud.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the 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 items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
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. (AZ)

I always pay my bills on time, so I'm confused why this company is marking me late for some months. According to USC 1666b, billing errors should be corrected, and my payments updated as agreed.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-10-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America and the servicer of this home loan mortgage account caused to be recorded a Notice of Default ( NOD ) on XX/XX/XXXX without completing the required pre-foreclosure outreach in accordance with California Civil Code 2924.55 ( f ). 
Bank of America has admitted, in writing, to have tried to contact me twice. Bank of America and their representatives have not tried with due diligence to contact me otherwise than that prior to recording the NOD after assurances from Bank of America that no foreclosure process shall be commenced. Additionally, when I tried to contact Bank of America, all I got was the runaround. I have even been told that Bank of America forbids their representatives from conversing on a borrower recorded telephone line, which mine is in accordance with the laws of the state of California. 
Furthermore, no post-foreclosure outreach has been commenced to date, but that is a moot point and activity since Bank of America has already violated the pre-foreclosure requirements. 
To date, no XXXX XXXX County Recorders Office certified recorded Rescission withdrawing the NOD has been provided to me as requested. 
I have resided at the property address continually since XX/XX/XXXX as a primary residence.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have tried repeatedly to resolve issues with incorrect information on my report. The credit bureau ignores my letters and repeatedly adds incorrect descriptors and or inaccurate comments to my XXXX XXXX Accounts. This inaccurate, fraudulent descriptor negatively impacts my credit worthiness and ability to obtain additional credit or credit increases. 
My consumer rights have been violated and FCRA guidelines have been blatantly disregarded by credit bureau ignoring letters Ive sent requesting them to delete the inaccurate remarks/descriptors - as they are blatantly false and inaccurate.
Consumer complaint received 2023-07-11
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. (TX)

This is my NUMEROUS 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 : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1900.00}, XXXX XXXX Balance Owed : {$4500.00}, XXXX XXXX XXXX XXXX Balance Owed : {$690.00}, XXXX XXXX XXXX Balance Owed : {$11000.00}, XXXXXXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company (OR)

Being that it is XX/XX/2016, like most people, I pay my bills online through my online Guild Mortgage account. I happened to glance at the XX/XX/XXXX statement that came in the mail which I do n't normally do, since I use the online service to pay my monthly mortgage. When I noticed an amount of {$810.00} on my statement for " Fees & Charges '' with no detailed explanation I called Customer Service to find out what it was for. I was told these were late fees that had been accumulating. I was completely shocked since I have never seen any indication of a late fee when I log into my online Guild Mortgage account. I have discovered that there is absolutely no place in the entire process of paying my bill online in which this amount would be indicated. If I do n't know that I owe it, how can I pay it? It is unacceptable that Guild Mortgage offers online account access and bill payment, yet does not provide COMPLETE account information. Late fees are intended to incentivize on-time payments by monetarily penalizing the account holder. If I do n't know that I 'm being penalized, then I do n't have the same opportunity to change my payment habits to avoid these fees. I have MANY online accounts that I access and pay each month, and in every single case I am provided a full and complete detail of my account balance in my online account. Guild Mortgage is the only exception. It is my opinion that the utter lack of information in my online account is a predatory practice to accumulate exorbitant late fees before the consumer realizes what is happening. 

Additionally, when I spoke to Customer Service on Saturday, XX/XX/XXXX I asked to speak to a Supervisor. I was told that a XXXX would have to return my phone call and that I would receive a call within XXXX hours. It was not until 6 days later on Friday, XX/XX/XXXX that I finally received that call. I was unable to answer the call and the message I received from the Supervisor, XXXX XXXX he did not provide a last name nor did he provide a phone # that I could reach him at ) was that he could confirm that there were late fees, and that I could call Customer Service to verify the dates of those late fees. I was VERY clear in my initial request to speak to a Supervisor that my issue was with the online system and the failure of Guild Mortgage to provide a full and accurate account balance and detail. I waited 6 days for a Supervisor to call me back and not address my issue in any way. Unacceptable. 

I am requesting that Guild Mortgage reverse these late fees and work to update the online account and bill payment system so that their consumers are not being left in the dark. As I told the initial CS rep that I spoke to, I will be refinancing in the very near future, and at this point I will not consider keeping my mortgage with Guild based on my experience outlined above.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MA)

in 2010 the mortgage go said I owed XXXX in back taxand raised my payment up to an amount that wasimpossible to pay asked for a mortification theywould postpone it say something was outon an on for 5 years to eat up my equity. 
2 I want the mortification3 I have XXXX letters to prove it4 I feel it is a scam to get money from the gov. 
5 who can I review this with
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (NC)

On the date of XX/XX/XXXX, i filed a complaint with the CFPB in regards to fraudulent inquiries on my Equifax credit report. The complaint number is XXXX, in which the CRA ( Equifax ) stated that the fraudulent inquiries would be removed due to their investigation into the matter. On the day of XX/XX/XXXX, I checked my Equifax report and noticed one of the fraudulent inquiries is STILL REPORTING FALSELY on my credit report. I am demanding, knowing my full rights that the following inquiry be immediately deleted : XXXX, from XX/XX/XXXX. Failure to do so will result in my rights given by the FCRA being violated yet once more.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Ocwen Loan Servicing refuses to acknowledge Litton is now a " subsidiary '' of Ocwen, arguing it has no responsibility for Litton mis-reporting to credit reporting agencies ( CRAs ) because Litton is not an " affiliate '' of Ocwen ( see XXXX XXXX, XXXX letter ). Ocwen/Litton refuses to identify the alleged 12-month arrearage at the time Ocwen assumed servicing rights in XXXX XXXX. Ocwen and Equifax refuse to provide the electronic exchanges relative to " investigation '' disputes. Ocwen admits to mis-reporting information to CRAs including, but not limited to illegal multiple charge-offs. Despite the admission, Ocwen refuses to grant relief for both the Litton mis-reporting and the Ocwen mis-reporting after XXXX XXXX at which time it assumed servicing rights. Ocwen continues to refuse to provide monthly statements, in direct violation of the Fair Credit Reporting Act. Due to admitted systems deficiency, Ocwen under-reported the amount of tax year XX/XX/XXXX interest by several thousand dollars. Despite widely known systems inadequacies, Ocwen refuses to verify or validate/verify payment information transferred in XXXX XXXX. Its position is that the onus is on borrowers to do so ; an unfair and undo burden. Not to mention the fact it refuses to provide the internal documents ostensibly authorizing debit from my checking account. I challenged its arbitrary use of checking debit deductions on numerous occasions.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

After a thorough investigation of my credit report I found that My personal information is incorrect. My name should read XXXX XXXX my address should be listed as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. U.S. Privacy Act of 1974 The Privacy Act of 1974 establishes rules for collecting, maintaining, using, and disseminating personal information by all federal agencies. Individuals have the right to know what information is being collected, how that data is being utilized, and the ability to request corrections.
Consumer complaint received 2023-09-21
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I disagree with the accounts listed below which still appear on my credit report, even after your previous investigation. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit score. Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please see referenced accounts below : 1. XXXX XXXXXXXX XXXX  Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report 2. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report 3. XXXX XXXX bank Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit rXXXX XXXX XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report 5. XXXXXXXX XXXX XXXX Its on my account twice. 
Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report Thank you,
Consumer complaint received 2015-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I filed for BK Chapter XXXX on XXXX. Eventually in my desire to keep my home I applied for loan modification with OCWEN and completed my XXXX trial payments in the amount of {$1900.00} each month on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX respectively to be considered for HAMP. After fulfilling my XXXX trial payments & after signing the HAMP Agreement ( which I had to send back to them for them to sign as instructed ), I was instructed by one of the relationship manager from OCWEN to get a " Motion To Get Quote ( or Court ) Approval '' from my BK lawyer. I was also told that I do n't need to make any monthly payments ( for XX/XX/XXXX & XX/XX/XXXX ) and that my HAMP application will not be processed or approved until they receive the required legal paper from my BK lawyer. I was also advised that monthly payments will resume after I receive back the signed HAMP agreement. 
I was surprised for OCWEN to tell me that I still needed to pay for the months of XX/XX/XXXX and XX/XX/XXXX when I followed up the status of my modification in XX/XX/XXXX because I have not received any papers from them yet. I asked them for the transcripts of all my telephone conversations with them that occured in the month of XX/XX/XXXX to prove to them that I was told not to pay while the HAMP application is still in review but they declined to provide me the full transcript and I was told that I needed to pay for the months of XX/XX/XXXX & XX/XX/XXXX which I declined to do so pending my request 's fulfillment which is the telephone transcripts for the month of XXXX. 
I called OCWEN again in XX/XX/XXXX and I spoke with one of their employees named XXXX ID # XXXX and requested the following : XXXX. Transcript of all telephone conversations between myself and OCWEN that occured XX/XX/XXXX and XXXX. Billing statements. XXXX promised me that billing statements will be sent to me as well as the telephone transcripts requested in a couple of days. 
It 's been almost XXXX weeks now and I have not received any billing statements from OCWEN since the approval of my HAMP and I have not received the telephone transcripts that I requested. 
Also for your information, I have not received any decision yet from the BK court for my BK application up to this day.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

HARD INQUIRIES NOT MINE : XXXX XXXX XXXX Dates : XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX, DE. XXXX XXXX  XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX