davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

just giving you more lies ocwen gives me not that it matters to the cfpb or ocwen ... but ... once i figure out how to get all these phony docs and lies ocwen has sent to me ... i have so many ... im sending copies to the ...

EOP U.S. attorney General U.S. attorney members of the U.S. Senate and house of representatives..

house judiciary committee house oversight committee FBI XXXX XXXX  judge XXXX XXXX  and whom ever else I find this letter clearly states ocwen received my loan from gmac in XX/XX/XXXX ... when they went banrupt ... in which gmac only stamped my mortgage assignment in XX/XX/XXXX ... ( out of business ) .. gmac never sent me a transfer notice from home eq ... .or anyone else for that matter ... and here is home eqs paper clearly stating ocwen got my loan from them in XX/XX/XXXX ... but ... i DO NOT believe ocwen was licensed to have my loan ... .in my PSA ... until XX/XX/XXXX!!!

when the paperwork was done for out mortgage in XX/XX/XXXX... is was never notarized in front of us ... thats a whole different complaint ... but I'll get t gat together
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (WA)

PNC IS REFUSING TO REMOVE 2 VERY OLD ACCOUNTS FROM THE CREDIT REPORT EVEN AFTER PROOVING THAT THEY WERE IN VIOLATION OF FEDERAL STATUTE OR LIMITATIONS ...
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : This account has been inaccurately reporting. This account is reporting differently across all three credit bureaus, yet all three bureaus deem their information to be 100 % accurate. It is in fact impossible for all three credit bureaus to be correct. Payment History, Account Type, and All Lenders Contact Information both Address & Phone Number are reporting differently on this account. I demand that this inaccurate account be removed from my consumer report immediately upon notice of this dispute, as it is my right as a consumer to receive accurate reporting. 

I am aware of XXXX XXXX previous lawsuit due to reporting inaccurate or incomplete information and see that my account is also reporting inaccurate and the credit bureaus are also at fault for not thoroughly investigating my disputes!
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX currently reporting missed payments on my consumer report which is negatively affecting my life and my ability to obtain new credit. This account has been closed for years and I keep seeing missed payments on this closed account. Please remove this false, erroneous account immediately or please provide me with payment history showing the account was current until the erroneous reported missed payment.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

[ Consumer Financial Protection Bureau ] Subject : Formal Complaint Pursuant to 15 USC 1681 I am writing to file a formal complaint regarding potential violations of the Fair Credit Reporting Act ( 15 USC 1681 ) by XXXX XXXX XXXX. I believe that my rights under the Act have been violated due to 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. 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. 
As Per the Federal Credit Reporting Act as a federally protected consumer, in accordance with 15 USC 6802 I am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXXXXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which XXXX XXXX XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. 

I have attached supporting documentation, including copies of relevant credit reports and correspondence with the company, detailing the inaccuracies and discrepancies in my credit report. I have made multiple attempts to resolve this matter directly with XXXXXXXX XXXX XXXX but have not received a satisfactory resolution. 

Under the provisions of the Fair Credit Reporting Act, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report and ensure that XXXX XXXX XXXX complies with all relevant provisions of the Act. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me if you require any further information. 

Thank you for your assistance.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/2023 I received an offer from Marcus Bank ( goldman sachs ) for a {$100.00} bonus if I activated the offer on my existing account and deposited at least {$10000.00}. I completed these activities. Today, XX/XX/XXXX, Marcus emailed me " your account is no longer eligible '' for the bonus without any reason. I met their requirements and they can not just revoke the offer once it has been accepted without due cause.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act. List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Accoutn name : XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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 an 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, 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 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

XXXX XXXX XXXX, I was informed that there was a change to my credit report from XXXX XXXX Omni Financial. Ive paid my bills on time and Im unsure why the late payment is reporting. Theyre unlawfully reporting an unauthorized late payment on my consumer report.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (IL)

In XXXX, I signed up for a credit card from American Express. The card, the XXXX, was being marketed with a sign-up offer of XXXX XXXX and XXXX XXXX Miles ( XXXX ). I only received half of each of those figures : XXXX SkyMiles and XXXX MQMs. I have contacted Amex several times, both over the phone and via their website. Each time, they have refused to admit a mistake and lengthened the time they expect their investigation to take. I have documentation of the offer, both directly from American Express ' website and from the company 's paid content on credit-card advisory websites. However, all of their agents have refused to look at this. Putting an exact value on the miles I am missing is difficult. The XXXX, which can be used for a variety of XXXX purchases, including airfare, are worth a minimum on XXXX cent each against XXXX fees and can be worth between one and one and a half cents when used for XXXX flights. Even using the conservative one-cent valuation, American Express ' mistake cost me {$350.00}. The XXXX XXXX XXXX are very difficult to value, as they are used to earn various privileges XXXX upgrades to XXXX, priority boarding, etc. ) on XXXX flights. At this point, I can find no way of putting a monetary value on them, so I have excluded them from my estimate of how much money I lost.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I applied for general forbearance for the month of XX/XX/2024, and my request was approved on XX/XX/2024 ( see screenshot below ). However, my account is showing that I'm past due. I've messaged MOHELA twice, on XX/XX/2024 and XX/XX/2024. I also called MOHELA twice, on XX/XX/2024 and XX/XX/2024, but due to time constraints and long wait times, I could not connect to an " advanced agent '' to resolve this issue. I finally received a response to my initial message today, XX/XX/2024, but it appears to be a form reply and did nothing to resolve my issue. Again, I received approval for general forbearance for XX/XX/2024, yet my account remains past due. I need help.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RS Clark and Associates, Inc. (TX)

I sent R S Clark & Associates a request to validate a debt pursuant to Texas Finance Code ( see attachment " RS Clark Dispute '' ). They had 30 days to respond. They did n't. In response to a prior complaint filed with CFPB, they provided an accounting stating that this validates the debt ( see attachment " RS Clark XXXX '' ). It does not meet the requirements under the law and does not validate the debt. They have wholly failed to validate this debt and under the laws of the state of Texas, it must be removed from my credit listings.
Consumer complaint received 2023-06-02
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I applied for a loan on line with Amerisave Mortgage. Filled out the application was approved and lock in a 3.25 %. Immediately I was called asking for my credit card to order an appraisal on my property giving me a false sense of security..I was asking for a load of {$110.00}. My house was appraised for $ XXXX.Credit was excellent, had liquid XXXX almost a million dollars. For 2 1/2 months asked for documents after documents no end going back 3 years. This was extreme. My primary residence was XXXX XXXX and I had another address where my office was located. My immediate family lives with me at the XXXX XXXX address which is my primary residence..I feel that when I sent the XXXX packet of documents with XXXX addresses it should have been flagged and stoppedright there, and not continue on and on asking more and more document. Why did they continue for another month or so and requiring more documents. They were fined heavily by CFPB for deceptive and abusive practices. I 'm out {$400.00} for the appraisal which can not be used by any mortgage company. XXXX have been done just like I have. I want nothing to do with this company. I want my {$400.00}. back.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (IL)

For almost XXXX ( XXXX ) months I have been trying to get information in about charges on our account that we feel are an attempt at XXXX payment the XXXX XXXX months they would tell me that I nad to contact XXXX for that information and XXXX told me that they sold the account to Caliber Home Loans and I would have to get that information from them.All this time they would insist that I had to pay over {$20000.00} and that they could not take a one month payment on this account. Then for the next XXXX months they gave me a song and dance about this account could not bee discussed because it was in a bankruptcy that had been discharged in XXXX of 2010. It was n't until I had a friend, who happens to be an attorney, call them. they told me who to contact for this information. In the mean time they said they sent a certified letter in reguard to the payments however we never received this letter. Then they said they sent it to the attorney that I had call them, however he never received any letter either and that we had to pay overXXXX to stop the forecloser process. And that they have until XXXX XXXX to supply me with the information that we requested. We feel that this is an attempt for Caliber Home Loans and XXXX to defraud XXXX CITIZENS. And to date they have not sent the information, However they have sent a letter about bankruptcy discharge as if it just accurred. and they have sent a person to take pictures of our home. this means that they are more interested on legally stealing our home instead of letting us resolve this matter and paying off this loan, aswe have been trying to do.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First is reporting a late for XX/XX/20 and this is not my fault, I recently took a look at my credit report and noticed this late was showing. I had already spoken to them about this because I was in the hospital for months and we had to move due to my health. I changed my address on everything, even with the postal office but somehow America First kept sending my statements to my old address. I wasn't aware about any balance and never got a call saying my account was going past due. I immediatley made a payment as soon as I found out. I called America First and explained that they were sending my statements to my old address and since I was out sick, my wife was taking care of things and unless she gets a statement there is no way for her to know if I have something to pay. America First ensured me this would be removed but it's still on there.
Consumer complaint received 2015-09-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My husband had retired, right after he retired, within two weeks I was let go from my job for fribious reasons. This is during at time the company I was working for was under major Law Suite for firing XXXX ( XXXX ). They have introuded my computer, my cell phones, my personal bank account. They contact anyone that is attach to my personal financial affairs. My Mortatage company and the company XXXX plan I have. 
I am writing this early. I may not be able to do this later please call me XXXX.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2024, I initiated a funds transfer from my Bank of America Checking account to my XXXX checking account for the amount of {$1600.00}. Despite completing all security measures online, including logging in with my credentials, undergoing two-step verification, and establishing transfer access between my accounts, I encountered an unexpected hurdle. 

Immediately after submitting the transfer, I received a text message from Bank of America ( number XXXX ), instructing me to call XXXX to confirm the transaction. This requirement was not transparent during the online process, leaving me blindsided by an additional step that significantly impeded my ability to access my own funds. 

As of now, I have been on hold for an exasperating 1 hour and 34 minutes, with no end in sight. This prolonged wait time is not only unacceptable but also creates an undue burden, as I am unable to attend to other essential matters, such as paying my rent. 

Bank of America 's failure to disclose the necessity of a confirmation call and the excessively long wait time reflects a lack of transparency and disregard for customer convenience. Moreover, the imposition of this additional step appears to be an intentional tactic to hinder account holders from transferring funds out of their Bank of America accounts, thereby restricting their financial autonomy. 

I demand that Bank of America either provide clear upfront disclosure regarding the confirmation call requirement and its associated wait time or eliminate this unnecessary step altogether. My experience represents a systemic issue that undermines customer trust and limits access to essential banking services. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Bank of America rectifies its practices to prioritize customer convenience and transparency in all banking transactions. 

Thank you for your attention to this matter.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.