davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

My name is XXXX XXXX. I was born and raised here in XXXX XXXX. 

I recently tried to sign up for a new checking account with the Boeing Employees Credit Union ( BECU ), I also tried to sign up with XXXX XXXX  XXXX but was denied. 

I was involved in a shooting and I am now getting Washington State Victims crime compensation. I received a check for {$1700.00} from the Washington State Treasury Department and I was unable to cash it at either bank because they were unable to verify my identity. 
I went to XXXX XXXX in XXXX and gave them my identification card, date of birth and social security number and XXXX XXXX was also unable to verify my identity. I ran a XXXX XXXX report on myself but they were unable to verify my identity. 
I went to the IDme.gov website and entered in all of my information correctly, I even had to do the video of my face for recognition and they were unable to verify my identity. I went to the Social Security Administration office here in XXXX XXXX  and I spoke with a gentleman there that verified all of my information is correct but because of the issues I'm experiencing he told me that I should hire a private investigator or contact the police so I'm hoping you can help me. 
I don't understand what's going on. 

TIA, XXXX XXXX DOB XX/XX/
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

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 has violated my rights. Or a 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 2023-11-06
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: TRUIST FINANCIAL CORPORATION (LA)

On XX/XX/2023 I went to a car dealership XXXX, la to purchase a vehicle, I was unaware that after me being declined by the XXXX XXXX, This dealership would continue to shop my credit information around to other lenders without my knowledge and after I had left their place of business. The result of the auto dealer practices has caused unnecessary burden on my personal and business finances, I walked into the dealership with a XXXX credit XXXX XXXX and discovered a week later my XXXX XXXX had dropped to XXXX.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

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 XXXX : XXXX Account XXXX has violated my rights. Or a 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 2023-11-06
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: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Performance Management, LLC (FL)

I sent two Validation of Debt certified letters to Receivable Performance. They have never responded to my request. Furthermore, the conducted credit inquires without authorization bt me either in written or oral form.
Consumer complaint received 2016-10-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

XXXX portfolio services are fraudulently reporting on my credit reports claiming that I have a debt with XXXX in the amount of XXXX. This credit card was fraud under my name as I did not open this account After numerous attempts with portfolio, they have not provided me with proof such as my actual signature in opening this such credit card therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Weltman, Weinberg & Reis Co., L.P.A. (NJ)

The Creditor is continuing to collect on the debt and utilizes numerous agencies after I provide a formal dispute. They are actively collecting this disputed debt in violation of FDCPA.
Consumer complaint received 2015-12-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc. (IL)

XXXX SHOWED UP ON MY XXXX CREDIT REPORT. THIS COMPANY IS ILLEGAL AND CAN NOT LOCATE IT ANYWHERE. ( SEE MY CREDIT REPORT DATED XXXX ) THEY RAN MY CREDIT ON XXXX/XXXX/2015 AND AGAIN ON XXXX/XXXX/2015 AND CALLED AND STATED THEY ARE TAKING OVER WEST ASSET AND GAVE A PHONY NO. XXXX, WHICH I CALLED AND IT WAS XXXX? THIS IS A FRAUDULENT INQUIRIES AND WANT RESTITUTION.
Consumer complaint received 2016-10-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PlusFour, Inc (FL)

I have contacted this company on several occasions to send me validation of the debt for a medical bill, and they have failed to do so of any signature. I have also contacted them to let them know that I never signed any paperwork releasing my medical records. Which is a HIPAA violation. They refused to work with me so I than contacted XXXX to get this debt removed, and sent a certified letter letting XXXX know that this a HIPAA violation because I never signed any paperwork releasing any of my medical information.
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Delinquent account — 
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I had an account with XXXX XXXX when i was going through a bad divorce, i fell behind and the account was charged off and sent to collections. i am now trying to settle this account with the law firm handling the collection and they are n't giving me any information, XXXX has my balance at XXXX and this law firm is trying to charge me XXXX they wont give me a break down of the charges that got them to that number and they stated that they are charging me interest on this. i would like any help you could give, the law firm handling this matter is Weltman , Weinberg & Reis XXXX ex XXXX
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

I called today, XXXX XXXX to pay my mortgage to Ocwen Financial Corp. Because it is not past 30 days it would have been on time. I was informed by Ocwen that they could not accept my payment by phone, nor online and that I have to mail by certified check or money order for the next 6 months. They said because XXXX of my checks were returned to my bank ( but were paid ) that they had the right without notification and informing me ahead of time - to tell me, I have to send my payments for the next 6 months by certified check or money order. Because tomorrow is XXXX XXXX - Ocwen is going to mark me past 30 days for being late and send notice to the credit bureaus. If they accepted my payment today - I would not be late. I am very upset because I was not notified of " their/this policy ''. It is not fair and adds more hardship for the consumer. Ocwen is implementing an unfair consumer policy without notifying the consumer - and in this case, purposely tarnishing my credit score because they will not accept a payment from me today. This is inappropriate customer service and an unfair policy. I wonder if it is legal. I will seek a new mortgage company as soon as I can.
Consumer complaint received 2016-01-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have a complaint against my mortgage servicer Ocwen Loan Servicing Inc. I have an FHA home loan with them and I got behind on a payment. When I was able to pay past due amount I sent it and they sent it back refusing my payment stating that the amount was insufficient. The amount I owed then started from {$900.00} to what I owe now {$18000.00} and this amount has continued to grow. They have recorded a default on my loan and I feel strongly that they are trying to take my house. The bank will make money on the insurance that is on my loan if they foreclose on my house. They have repeatedly and I believe deliberately stalled on modifications of my home loan. I am seeking assistance from counseling agencies to help me keep my house.
Consumer complaint received 2015-07-08
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maximum Title Loans, LLC (AZ)

My son is delinquent on auto loan. Loan and title have no connection to me. My son stays at my home off and on. Debt collector has called my home phone and my cell phone multiple times. He has been vulgar and has even threatened that he knows people where I work and will make comments to try to have me terminated.
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

My tax returns have been audited by the IRS four times in the past seven years due to Ocwen Loan Servicing 's ineptitude in reporting my mortgage interest paid. Ocwen simply does not report my share of the property taxes and/or mortgage interest paid annually ; however, they do report my husband 's share, which is half. In every case, I submit a copy of our XXXX which clearly states my name as the payer/borrower and the amount of mortgage interest paid. Ocwen Loan Servicing consistently fails to report my share of the mortgage interest, and in XXXX cases, real estate taxes paid, to the IRS. This is not my first complaint to the CFPB regarding Ocwen ( CFPB File No. XXXX : treatment of Escrow payments ), but is the first of this nature. I left a voice mail message for XXXX XXXX, CEO of Ocwen, at XXXX due to my utter frustration with this entirely inept company. I can not understand how XXXX XXXX can continue to operate this company with such blatant disregard for simple math. My prior complaint with CFPB regarding the same company is still outstanding, as Ocwen does not seem to know how to apply an escrow payment to offset an increase in monthly mortgage payments. My frustrations are many ; my immediate frustration is my fourth IRS audit in XXXX years simply due to Ocwen 's blatant discrimination toward female co-mortgagees. It is disgusting. I anticipate subsequent IRS audit notifications and requisite responses due to the trigger that Ocwen is causing. This is unacceptable. The most recent IRS notification is for the year XX/XX/XXXX. That means I should expect another notice for XX/XX/XXXX, and again for XX/XX/XXXX once I file my returns. I am frustrated to the point of wanting to pay off my mortgage just to be rid of Ocwen, or force a transfer of servicing to another, competent servicer. The time spent in resolving so many issues over so many years is time I will never get back, nor will be compensated for. The escrow issue is still outstanding, and Ocwen is unable to explain how an overpayment to escrow does n't affect an increase to our monthly payment. Again, Ocwen, WHERE IS THE MONEY GOING??? Why are n't you reporting me as a co-borrower, co-payor to the IRS?
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I am contacting you again about XXXX XXXX XXXX for the 4th or 5th time. I have been forclosed, and now dealing with a company for a cash for relocation package. The offer is {$4300.00} and I asked for the max. of {$10000.00}. I asked for the max. because of the previous complaints have never been resolved or fairly addressed. The company is XXXX and they say they " are not Ocwen and that Ocwen is just their client ''. I now clearly see that they are one in the same. They are " in bed with Ocwen ''. Ccwen clearly knows that they are cheating me. They did extend my time to vacate until XXXX XXXX, and I 'm grateful and thankful. They did not give me {$10000.00} and I 'm very angry and feel so violated and humiliated by the {$4300.00} offer, but I accepted knowing that I would continue to seek my stolen money from Ocwen afyer I vacated. Here is my new complaint, upon receiving the documents, there is a # XXXX.on the rules that frees Ocwen from any futher claims or liabilities in the future or the past.UNBELIEVABLE Now I see why when I sent the proof to Ocwen they said they did n't respond. They are one in the same ( Ocwen and XXXX ) Here are facts on my issue. 
1.A history of XXXX-XXXX servicers throughout loan, and I have recepts of checks that are not listed on payment history that I did n't receive credit for and Ocwen has the proof, the copies of the cancelled checks. 
2. When the house was in XXXX different bankruptcy cases, payments that were allocated from the trustee to the servicers ( XXXX additional servicers not including Ocwen ), is not credited on the loan. I have pointed this out to Ocwen and sent proof, and they refuse to do anything about it. 
3. They illegally forclosed, added a new bank without notifying me of the bank. 
4. Refused to offer the XXXX and only offered XXXX 5.I am now homeless, have a income of {$1200.00} a month. My spouse is a XXXX veteran and is in a medical facility and his total income goes to that place. 
6. I keep asking for the XXXX amount and they refuse to give it to me. So now, Ocwen will set us up for a bad tax liability, that will probably take up further downhill. Basically they will still from us for the second time on the XXXX! 
6. NOW THE DOCUMENTS THAT I 'M SIGNING TODAY ( DEDADLINE TODAY ), I HAVE TO GIVE UP THE RIGHT TO GO AFTER THE STOLEN MONEY AND LOOK FORWARD TO ONLY XXXX INSTEAD OF XXXX! BUT HOMELESS, I HAVE NO CHOICE, TO TRADE A THEFT OF XXXX XXXX FOR XXXX! I SEE WHY OCWEN NEVER ADDRESSED THE MONEY! 

THIS IS THE AMERICAN DREAM!
Consumer complaint received 2017-03-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

We did a tier 2 modification about 3 yrs ago now due to becoming XXXX and my wife changing jobs a payment of XXXX. is way more than our income, after 4 months of doing paperwork and sending every document they wanted they said the lender would not approve a modification, in the tier 2 modification they did not forgive money as they stated but put it on the end of the mortgage so my statement shows I owe XXXX and the payoff is XXXX. My home is only worth XXXX. I would like to be able to have an affordable payment, and my payoff at what the house is worth.
Consumer complaint received 2016-01-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

We requested Ocwen to provide documentation to show that Ocwen has the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX, Tx XXXX. All of the documentation provided by Ocwen shows that Ocwen is the servicer for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen has failed to provide any evidence that they have the standing and authority to enforce a servicing agreement for our property address, XXXX XXXX XXXX, XXXX, Tx XXXX. 

Ocwen states that the loan origination for the loan they are servicing was on XXXX XXXX, XXXX for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Our loan was originated on XXXX XXXX, XXXX. Ocwen has failed to show that they are authorized to collect the debt and to administer any resulting foreclosure of the property address XXXX XXXX XXXX, XXXX, Tx XXXX. 

We would like Ocwen to provide documentation to show that they have the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX Tx XXXX. 

As Ocwen states the property address they have on file for us, which is XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, does not match our primary address which we occupy, which is XXXX XXXX XXXX, XXXX, Tx XXXX. 

According to Ocwen, there is no single investor of our loan. Our loan is supposedly XXXX of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time. 

We would like for Ocwen to file a Deed of Reconveyance, release any and all liens on our Real Property in the land records office in XXXX XXXX with the legal description Lt XXXX XXXX XXXX Sec XXXX and Satisfaction of Mortgage on our mortgage because Ocwen does not have an enforceable note or mortgage with XXXX and XXXX XXXX because we do not and have not ever lived at XXXX XXXX, TX XXXX, which is the property address listed in Ocwen 's records.
Consumer complaint received 2015-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My mortgage statement for XX/XX/XXXX showed a balance of XXXX in my escrow account going forward into XX/XX/XXXX. I have always been at the required amount or ahead. My escrow payment is usually XXXX monthly. This month I received a statement on my bill informing me that they were increasing my monthly payment from XXXX to XXXX a month and then to expect another increase for next month to XXXX. It also implied that my new payment would now be XXXX for the remainder of the loan. That would be {$1100.00} per year more just for escrow fees ). The statement said that I would receive a letter explaining why the escrow shortfall occurred. I do not think the taxes and insurance changed that much. I have not yet received any letter explaining how the deficit occurred. The information on the letter also informed me to access assistance on the OCWEN web page but the link they provided is not working. www. ocwencustomers.com
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-11-06
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The web interface for XXXX XXXX keeps saying I have late fees and keeps not updating my payments to autopay even after stopping the pay stops from my other bank. I missed a payment due to XXXX ' XXXX web user interface not being the friendliest. I plan to keep filing complaints every day until someone at XXXX XXXX helps me to fix my credit. I will keep submitting these constantly and consistently until someone hears me out. I never miss payments until this issued happened on this banks ' website. I am trying to be able to afford a home in this crazy economy so forgive my persistence to get this credit fixed. Thank you in advance.