davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen Loan number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXWe have already filed XXXX CFPB complaint against Ocwen on this file for valuation fraud. Rather than go over it again I am attaching the documents for the previous complaint. 

Ocwen did a new value at the end of XXXX. We were told today that the value came back at the same price as the previous value done XXXX/XXXX/15 - $ XXXX. In a declining market and economy, how is this possible? 

Aside from the previous issues with being lied to from Ocwen, and Ocwen 's inability to produce evidence of their actions, the issues with the damaged roof remain. Ocwen is refusing to take into consideration a material fact in this real estate transaction. We have already provided Ocwen with all of the documents attached. 

Attached are photos of the roof damage. This roof is damaged and can not be " repaired ''. It is illegal for these roofs ( " cedar shake roof '' ) to be " repaired '' in California due to high fire hazard they present- they need to be " replaced completely ''. Due to the style of these roofs, a new roof also needs to have 'decking ' added in order to have a foundation upon which to attach the roof. Please see attached building code and article explaining the fire hazard of these roofs. I have also attached photos of the roof from all angles. 

Ocwen can certainly decline to do a short sale, and they can certainly decline to lower a counter offer after a value dispute. However they CAN NOT ignore material facts affecting the value of a home. They can not ask a buyer to pay an inflated price simply because they do n't care about the condition of the home. 

***The newest appraisal done, attached, does not take into consideration the damage to the roof nor the Building Codes that require a replacement of the roof. We want Ocwen to review the value and to take these material facts into account.
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS recently began servicing my loan when the IR reset causing my payment to double. So starting in XX/XX/2016 I began submitting all of the required documentation to have the loan modified. Since this time the experiences I have encountered have made me lose confidence in their ability to execute loan modifications timely. Today is XX/XX/XXXX and I just got another call stating the XXXX doc that I sent back in XXXX is now invalid because the date is old. Furthermore, they told me the XXXX submitted for the co-borrower was also invalid when in fact just a few weeks prior they confirmed it was fine. It appears every 15 days or so they contact me to tell me about another random document that was n't requested up front is now needed and if I do n't send it I wont qualify. I have been very responsive when it comes to providing the necessary documentation but these long delays between calls and these random requests for documents that were not requested up front need to stop. In addition my single point of contact is 'bullying ' by stating [ with attitude ] that the mod wont get done if do n't supply the documentation. I do understand this but the aggression she showed is class-less. 
I am struggling to pay my mortgage and need a decision ASAP on if I qualify for a loan modification. I am borrowing money to keep the loan from going 60 DPD but it is becoming increasingly harder to make the payment. Based on these poor experiences I now believe SLS is purposely delaying the execution of mortgage assistance because the MHA program has ended and so has the Obama administration. this perceived negligence needs to stop and I only hope the CFPB can help end the madness. I think it is safe to assume hundreds ( if not thousands ) of other customers who have SLS servicing their loan are facing the same situation. I take confidence knowing the long reach of the CFPB and thank XXXX almost daily for their existence. Please help
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I have submitted to the credit bureaus and the loan companies alike that my identity has been stolen and used to take out fraudulent loans. I have been successful in removing XXXX of those loans from my credit report ( prosper ). The lending club continue to insist the loan belongs to be despite me sending information to the company and the credit bureaus my victim report, identity theft affidavit, proof of identity and even documentation from the bank proving that the monies went to a fraudulent account. Despite all this, Equifax is the only credit bureau who continue to report this on my credit report. This company has not protected me as a consumer.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (PA)

Dear American Express Customer Service, I hope this letter finds you well. I am writing to demand that you reopen my account immediately due to the adverse actions taken against me, which I believe are illegal and fall under the category of security fraud. 


As a long-standing customer of American Express , I have consistently maintained a positive credit history and fulfilled my financial obligations in a responsible manner. However, I was shocked to receive a notification stating that my account has been closed and my credit usage has been denied. 
" Adverse action is defined in the Equal Credit Opportunity Act and the FCRA to include : a denial or revocation of credit. a refusal to grant credit in the amount or terms requested. a negative change in account terms in connection with an unfavorable review of a consumer 's account 15 USC 1681a ( k ) ( 1 ) '' ftc.gov I firmly believe that these adverse actions are unjustified and in violation of my rights as a consumer. Denying me the right to use my credit without any valid reason or explanation is not only unfair but also potentially damaging to my financial well-being. 

I demand that you reopen my account immediately and reinstate my credit usage privileges. It is imperative that you rectify this situation promptly to avoid any further harm to my creditworthiness and financial stability. 

However, I do understand that I have a past due balance of little over {$5000.00}. I'm prepared to make this payment as soon as I receive notification that my card has been reopened and is ready for use. I'm also requesting that all previous monthly statements be sent out to my address on file. I'm aware that you have already sent these out, but they have been misplaced and for that I apologize. 

Please be advised that failure to comply with this demand may result in legal action being taken to protect my rights as a consumer and seek appropriate remedies for the damages caused. I trust that American Express, as a reputable financial institution, will handle this matter with the utmost seriousness and professionalism. 

I kindly request that you acknowledge receipt of this letter within 5 business days and provide a written response addressing my demands and concerns. I expect a prompt resolution to this issue. 

Thank you for your immediate attention to this matter. I look forward to a favorable resolution and the reinstatement of my account. 

Sincerely, XXXX, XXXX / XXXX
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I requested a Security Freeze from Equifax twice because I was a victim of ID Theft. I am also a senior citizen. They have failed to place a security freeze and send me a pin. I sent in XXXX 2015 and XXXX 2015 and when I call they just try to sell me monitoring or try to make me pay for the security freeze.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

Trying to make payments to Synchrony Bank through their automated system since they charge {$10.00} for agent payment help. However, I feel there is a scam in that you can not get through. You enter what they ask and it does not take. Over and over again. You are endlessly trying to make a payment then because it is not made I get a late fee or charges. You also get a message that wait time is extensive please call back later. Secondly, when they call they say they are Synchrony Bank but do not give any other information. When I call they ask why am I calling - DUH. I have multiple accounts with them which one is it? This occurs month after month!
Consumer complaint received 2016-01-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates is reporting bad information to the credit reporting agencies. They are reporting as a factoring company rather than what they truly are - a junk debt collector. This tactic has caused my credit to suffer as a result and they are also stating that I owe them {$840.00} whereby I have never had a credit card for that amount. The credit limit that they are trying to collect on was {$500.00} maximum. the original account was agreed to be deleted by XXXX XXXX but Portfolio Recovery Associats is still trying to collect.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

See attached CFPB XXXX full Complaint in PDF format for details. Summary : My account balances on the XXXX and US Dept of Educations websites reflect a XXXX balance after I was granted XXXX  forgiveness, but XXXX has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed XXXX rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for XXXX  failure to appropriately report correct information.
Consumer complaint received 2015-12-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (DC)

My account with Banana republic is paid completely and closed XX/XX/XXXX. As a matter of fact, they sent me a check back for overpaid owed money {$600.00}. Yet some how the account was reported as charged off XX/XX/XXXX, despite that it is been paid and closed XX/XX/XXXX The account has been sold to XXXX different collection agencies ever since. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all all the collection agencies and Banana Republic but got no where. I am attaching all document for your information.
Consumer complaint received 2016-07-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX filed this judgment on behalf of Portfolio Recovery. Accoriding to the FCRA 605. 
Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

2. Portfolio Recovery Asso. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired XXXX, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft. 
3. I was in my native country overseas when the judgment was filed, I therefore could not have been properly served. for the court appearance. 
4. For Portfolio Recovery has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure Portfolio Recovery the Credit Bureaus and XXXX are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611. 
Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] We ask that the CPFB remind Portfolio Recovery and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MN)

After sending email showing illegal attempted activity on my checking account Square.com sent this note. I do not and wish not to have an account with Square.com. But without an account on file with square.com you can not file valid complaint. 

There was four transactions from four different square devices that were on my bank account without my authorization. ( see attached PDF ) XXXX XXXX XX/XX/2020, XXXX XXXX  ( 3 days ago ) to me Hi XXXX, I'm XXXX from Square Customer Success, thank you for reaching out! I get how important this is, first let me apologize for the delay in my reply, we have been receiving a higher amount of emails than normal, but I want you to know that I will do my best to help you in the best way! 

I'm sorry to hear about the transactions that were made on your account by someone using a Cash App account. 

Unfortunately I do not have access to that type of account but you can reach out to Cash App Support directly from the Cash App : From the app, tap on your profile image and scroll to the bottom of the page. 
Tap Cash Support and review answers to common questions. If youre not able to find your answer, tap Something Else. 
Select your reason > Contact Support. 
You can also contact Cash Support by visiting Cash.app/help. 

Let me know if there's anything else I can help you with. I'm happy to help Stay safe and healthy! 

Regards, XXXX XXXX Square Customer Success ref : XXXX : ref
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

I'm writing about my account with XXXX XXXX XXXX XXXX. Last year, XX/XX/2017, I fell off the back of a tractor trailer and XXXX my XXXX in XXXX, XXXX my XXXX, my XXXX XXXX ( in 2 places, and my XXXX ( in 2 places ). 

I struggled to keep up with my bills as I rehabed. XXXX did not offer any accident insurance but never reported me late in payments.

I have been blessed to have returned to work in just 12 months and attempted to refinance out of this high interest loan. For the first time XXXX started reporting late payments after I requested a payoff effectively locking me into the loan.

I have made 2 payments last month and the company is still reporting that I am not making payments.

I requested a correction from all 3 credit bureaus and XXXX reported the payment history even worse.
Consumer complaint received 2015-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

XXXX XXXX reported false information about my account to Equifax Credit Bureau. It is a charged off debt that initially defaulted in XXXX. Therefore it should have fallen off my credit report already. XXXX reported an initial default of XXXX that is false it should have been in XXXX. XXXX credit Bureau has the proper information. I challenged the accuracy of the account in XXXX XXXX, and XXXX XXXX responded by stating that I was late 90 days and reporting a charge off. In XXXX XXXX XXXX XXXX XXXX reported that I paid or pays as agreed. In XXXX XXXX they reported another charge off. From XXXX of XXXX to XXXX of XXXX XXXX XXXX XXXX reported that I was making payments and or paid as agreed. That is inaccurate I have not paid any money to that company since before I could remember. I do not recall the last time I made a payment to XXXX XXXX.
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from XXXX XXXX and have continued to falsely report it as a collection account with {$1600.00} owed in my name even after XXXX XXXX removed the account from my credit report after acknowledging that is was not mine. Furthermore, I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting and has kept me from being able to establish a mortgage. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it on my credit report before we pursue further legal action.
Consumer complaint received 2016-02-23
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

This complaint is with Portfolio Recovery Associates. My credit reports show varying information on the date of first delinquency, all of which are incorrect. Their reporting timeframe has passed. The original creditor ( XXXX XXXX ) removed the tradeline XX/XX/2016. PRA also updated the tradeline when I disputed the item and it now states that I have a past due amount. This is false reporting as collection agencies are not allowed to report an account as " past due. ''
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

I checked my credit report on creditkarma. Both XXXX and Equifax showed a " legal item '' on my public record. I contacted them both. Only XXXX corrected it, Equifax did not. Somehow my fathers " legal item '' reference # XXXX found it 's way onto his son 's ( my ) credit report. I can see how it happened as I am the XXXX ( XXXX ) and he is the XXXX ( XXXX ) so we share the same name just different XXXX. also I currently live with my parents so I share the same address. but I 've never had student loans, home loans, or new car loans. also all my credit cards combined have never added up to that amount. I 'm not saying this is a false legal item, I just want someone to see that it 's on the incorrect persons record. please help!
Consumer complaint received 2016-03-02
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

i have repeatedly told these guys I have no intention of paying this timed barred debt yet they continue to contact me on a regular basis saying they know this debt is beyond the statute of limitations for collection but they still would like to make a payment arrangement with me, each time a different person calls claiming to have no knowledge of prior contacts. Each time they say they are the last step person before a lawsuit decision is made
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This company is reporting incorrectly on my XXXX report. They are showing an incorrect Date of 1st Delinquency ( shows XX/XX/XXXX should be XX/XX/XXXX ) ; reporting as an Original Creditor under my Accounts section when they are actually a Collection Agency ( not showing under my Collections Section ), also says the account is Open and that they are a Factorying Company ; the account # they are reporting does not match the account # for my XXXX XXXX Account ( XXXX XXXX Acct # XXXX and Portfolio Recovery is Reporting Acct # XXXX ; the amount they are reporting is also different from my XXXX XXXX Account ( XXXX XXXX charge off amount is {$1000.00} and portfolio Recovery is reporting {$1500.00} ; This company is also reporting a payment history when I have not made any arrangement with them, ever. I am under the impression that Collection Agencies are not even allowed to report a payment history because they are not Original Creditors. I have also attached my credit report showing the inconsistencies of their reporting.
Consumer complaint received 2015-10-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (MO)

I am a victim of deceptive advertising on a " care credit card '' for dental for my daughter. I read the pamphlet as well as my husband did. We applied for it with my sister as a co-sighner ... I have paid on this credit card for years ( approx. 9 ) years I borrowed approx. XXXX. I paid on this card a min. payment just to find out I had to pay by a CERTAIN TIME!!!. They added XXXX to my balance ... years later my balance is still XXXX dollars. I certainly would not have gotten this loan knowing what I know now.!!!! Please help me I want this loan gone I have paid for the XXXX 3 times over im done ... I feel so cheated. who do I go to. I was going to contact a lawyer not sure. 

XXXX XXXX ..
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc. (IL)

I started receiving calls from Amsher XX/XX/2016 in regards to an alleged debt owed of {$840.00} to XXXX. I have no idea what was going on so I sent several of disputes in regard to this beginning XX/XX/2016 until now. They were reporting to XXXX and XXXX of this debt. In an attempted request for validation since XX/XX/2016, Amsher has failed to send me any proof of validation notification of this debt. Amsher removed information reported to XXXX in this case but still continued to report to XXXX currently.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Somebody used my Capital One credit card and charged over {$3000.00} international, Capital One they, blocked the card, I called and let them know that was not my charges. Capital One ask for my id 's DL, copy of a bill and SSN. I gave them all these to investigate and in the meantime as they were investigating they re-open my card to a caller how called Capital One as me, giving them all my personal info. Name, Address, SSN. Instead Capital One to investigate this person released the card back to this person who was not me. This is not acceptable.