davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (OH)

This is my third time filing a complaint with the Consumer Financial Protection bureau I have not received any response from this entity of Government as suggested from a response from the state of ohio attorney generals office I am submitting a final complaint before further actions are taken Ocwen Loan servicing C/O XXXX XXXX foreclosed on my property illegally. XXXX County Court has been a party to these illegal seizures of property for years because XXXX County officers of the court sold tax certificates to Companies that were not legal transfers because fiduciary issues of law were violated and the documents of applications to buy and sell the tax certificates were not legalized by the SEC. I and several other homeowners will be initiating a class action lawsuit against The State of Ohio, XXXX County and The ConsumerFinancial Protection Bureau for Conspiracy to commit Financial Fraud headline news The Big Banks are robbing consumers like XXXX XXXX
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I can't get a credit card with Bank of America because I am XXXX. Afterwards, I got approved for a credit card better than the one I was applying for with Bank of America with XXXX for more quadruple the credit limit with an annual fee more than that of the Bank of America card and my credit history is flawless.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

IN REGARDS TO ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX I HAVE DISPUTED THIS ACCOUNT WITH THE BUREAU AND IT HAS COME BACK VERIFIED AS ACCURATE AND THIS CAN NOT BE RIGHT BECAUSE THIS IS NOT FACTUAL. THIS INSTALLMENT WAS OPENED FRAUDULENTLY AND FORGERY WAS COMMITTED AND I HAVE PROVIDED PROPER DOCUMENTATION AND THEY HAVE REFUSED TO REMOVE THIS NEGATIVE ITEM FROM MY CREDIT REPORT.I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION HAS BEEN USED TO OBTAIN GOODS AND SERVICES I NEVER AUTHORIZHED OR SIGNED FOR.
Consumer complaint received 2018-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Starting XX/XX/2018 I have been receiving phone calls From XXXX XXXX debt collection agency. Upon every phone call I verified my name and mailing address and requested a debt verification letter to be sent to me. In XX/XX/2018 I informed XXXX XXXX that I have never received any debt verification letter. Today is XX/XX/2018 and I have still not received any debt verification letter from Midland. Since Midland started calling me weekly since XX/XX/2018, I have asked for a debt verification letter and I have reviewed and verified my mailing address. Midland maintains that they have sent a debt verification letter ; Midland continues to call and request payment by phone or online for a debt of {$560.00}.
Consumer complaint received 2018-07-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I have contacted Citizens bank numerous times regarding HELOC reset. When they called me back, they left a very unclear message in a broken English. The voicemail massage probably came from someone overseas, and the number they gave me is for a different business. They called me back only after 3-4 calls to servicing, including on with a supervisor Mat. He was not able to provide a  number to call regarding modification. 
When I spoke previously with a different rep, he told me to call XXXX, where they were unable to help me. I received confusing letter and loan statements. I am constantly being referred to someone else, or told to wait for their call back. I have paid them on time for a decade and want to avoid foreclosure by modifying the loan. Please help. 
My contact info is XXXX or XXXX. Thank you
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NY)

As a follow-up with the Roundpoint mortgage response to my complaint XXXX I've contacted the mortgage servicer to find out when they going to make a promised 3rd escrow analysis, since in the letter they stated that they have received the tax refund of {$880.00} from town of XXXX XXXX ( that money is the fee the town charged the Roundpoint for not timely paying for the school tax ) and they are in the process to do a new analysis. 
The contact name provided in the letter was XXXX XXXX. 
I did call to speak to him, but he wasn't available so to my request I was told that i will be contacted by XX/XX/18 regarding the new escrow analysis and updated bill. 
Nobody contacted me which is not surprise, knowing how dissmissive their customer service is.. 
which left me no choice but follow with another complaint to CFPB since the firsy complaint helped them to reduce my payment from {$4600.00} to {$2800.00} which i still believe is too high. 
Please respond promptly as my due date to pay is just few days away and i dont want to pay late fee. 
thank you XXXX XXXX loan # XXXX
Consumer complaint received 2019-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (VA)

American Express continues to contact my workplace phone numbers that are not even mine despite me asking them repeatedly to stop doing so. I told them it is fine for them to contact me at my cellphone number but they are putting my job at risk by continuing to contact me at work. My work has called them to tell them to stop and I have as well yet they continue to do so. I was told by a manager that this would not happen again and it did again today. He did so on a recorded line despite telling me I was not allowed to record them. They also continue calling recorded lines at my workplace.
Consumer complaint received 2018-07-10
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. (FL)

TODAYS DATE:XX/XX/2018 XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX  Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX.XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX  ),  and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (NJ)

Dear Sir/Madam, I deposited a check to my savings account XXXX. The check was returned due to insufficent fund and ally bank charged me {$7.00} for returned check. I understand this is not a bank error but ally bank customer care staff have been very rude and incompetent in handling my fee waiver request. Other banks will give a curtesy fee waiver for first instance. Ally bank provides far below standard customer service and I am filing a complaint about it. Ally bank needs to provide a fee waiver as other banks do.
Consumer complaint received 2018-07-10
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (CA)

Corelogic aka Credco has placed a tax lien on my rental history report. It does not show on my none of my credit reports from the 3 bureau 's. I have since been on a paid installment agreement with the IRS. The amount being reported by Corelogic is inaccurate.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

IN XX/XX/2015 I HAD A STORAGE UNIT WITH XXXX XXXX XXXX AND IT WAS SOLD AND AUCTION OFF DUE TO LOST OF EMPLOYMENT THEREFORE RESULTING THE UNPAID BILL TO BE SOLD AND SENT TO COLLECTION AGENCY PROFESSIONAL DEBT MEDIATION INC. IN XX/XX/2015 FOR THE AMOUNT OWED {$420.00} HOWEVER BEFORE THE AUCTION A LETTER WAS SUPPOSE TO HAVE BEEN SENT TO ME SAYING THAT THE AMOUNT OWED WAS {$590.00} AND THAT THE UNIT WAS SOLD FOR {$350.00} THEREFORE I DO NOT OWE THE AMOUNT SENT TO THE COLLECTION AGENCY DOCUMENTS HAVE BEEN ATTACHED TO REFLECT THE AMOUNT THAT WAS SAID TO BE OWED I NEED THE CORRECT AMOUNT TO REFLECT ALL THREE OF CREDIT FILES OR PROVIDE HOW THE AMOUNT WAS CALCULATED OR REMOVE THE TRADE LINE FROM ALL THREE CREDIT BUREAU. PLEASE SEE ATTACHMENTS I HAVE REACHED OUT TO PROFESSIONAL DEBT MEDICATION MANY MANY TIMES TO RESOLVE THIS MATTER AS WELL AS ORIGINAL DEBTOR WITH NO REAL SOLUTION PREVIOUS GIVEN SOMEONE ELSE PERSONAL INFORMATION FROM PROFESSIONAL DEBT MEDIATION WITH NO TYPE OF APOLOGY FROM THE COLLECTION AGENCY AND THE INFORMATION WAS SENT TO ME BY CEO OF THIS COLLECTION AGENCY THEY ARE NOT PROFESSIONAL IN TAKING CARE OF CONSUMER MATTER.
Consumer complaint received 2018-07-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (TX)

This company has been calling repeatedly to my family members and friends providing my personal information as well as leaving voicemails with personal information. The most recent was today XX/XX/2018 they called a friend of mines and left a long message with my full name, the amount i owed {$1100.00} 3 payment options of paying at XXXX % XXXX % or XXXX  monthly payments of around {$84.00}. They also included a website and provided a account number to pull up a account with my personal information ( address and more ) anyone can look up my information and it has been left on voicemails of friends and family. They call multiple times a day with threatened messages as well uas recordings, give me deadlines to pay usually by the end of day or further actions will be done and call out side of business hours. This company has been harassing me for months and seems to get worse i have the latest voice mail they sent me.
Consumer complaint received 2024-11-18
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. (NJ)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX. Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXXXXXX XXXX. Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-07-10
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: CORELOGIC INC (TX)

Inquiries from these companies. 
* XXXX XXXX XXXX via XXXX  XX/XX/XXXX * XXXX XXXX XXXX via XXXX XX/XX/XXXX * Primary Residental via XXXX XX/XX/XXXX Disputed these with all 3 CB. Received 3 letters from XXXX stating that they can NOT find inquiries. Called all 3 CB to let them know of these letters to have the inquiries removed and was told to file a claim with you.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TN)

Since going to college ( XXXX ) I have been allowed to use Forbearance and Deferments, because I could not afford to pay my Student Loan payments. Not until the past six months has anyone even mentioned a limit to the number of Forbearances and Deferments I was allowed. Now all of a sudden I am told that I must begin making payments of {$2500.00} per month. I can not afford this. 
Since XXXX of XXXX, due to not allowing continuation of my deferments/forbearances, I have been attempting to get into an income based repayment plan. I mailed my application and information.. they never received it. I faxed my application and information.. they never received it. Finally I uploaded and emailed my application and information and called to confirm the receipt of the information ; received. I wait a full month. No response or feedback. I call Navient. Now they are saying that I have a Parent Plus Loan from XXXX - XXXX and therefore I do not qualify for any type of Income Based plan. My son was between XXXX and XXXX years old during that period. 
My wife 's income driven plan requires {$5.00} per month payment. However, my payment based on the same information is XXXX {$2500.00} per month. 
I have been told by Navient, up until today, that I could get payments based on my income. Now, today I am told, regardless of whether or not I can afford it, I have to make payments of approximately {$2500.00} per month. I am the sole source of income for my family ; and a railroader for goodness sake. 
There is no rhyme or reason to what I have been subjected to by Navient. My loans totaled about {$40000.00} in the beginning. Through deferment and forbearance they have grown to approximately {$300000.00}. I am sure there could have been a better solution to this from day one. If I had gone into forfeiture in the beginning I would have been better off.
Consumer complaint received 2018-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Justice Finance Company (TX)

On XX/XX/2018 I applied for a loan with Justice Finance, they took my information and stated I would get a call back. XXXX, the manager ; called back stated that he was not going to loan to me because he knew my coworker and she was in bad standing with the company. XXXX then stated my coworkers name and that the co worker did not pay her existing loan so that why he would NOT he give me a loan. XXXX told me that I was guilty by association and chuckled. To my understanding this is a Act of Equal Credit Opportunity, I feel discriminated against. I was NOT Provided with  a notice of DENAIL.I requested a notice of Denial and they will not give me one.
Consumer complaint received 2018-07-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (FL)

I made payment for outstanding parking balances owed on XX/XX/2018 through the website XXXX. The amount I paid was {$87.00}. This company just contacted me stating that I owe {$65.00} for parking ticket on XX/XX/18 that was included in amount I paid for {$87.00} on XX/XX/18. When I called to verify this with the company, they were very confused and said in their system it showed that I owe over {$300.00}. This is fraudulent debt and harassment.
Consumer complaint received 2018-07-11
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: EQUIFAX, INC. (FL)

As of XX/XX/2018, Equifax has 2 addresses on my credit report that I have NEVER lived at OR any of my creditors have had the addresses, that's why I filed a ID THEFT report with them. For some reason, XXXX  DELETED all the addresses, but, how can EQUIFAX keep them on the report? How does ONE credit bureau DELETE THE ADDRESSES and the other doesn't?? Equifax needs to delete the following FRAUDULENT addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX