davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

OCWEN handles an escrow account to pay state property taxes in addition to my mortgage payments. On a regular basis, they collect more money than needed. In XXXX 2014 I decided to close my escrow account and called their customer service to learn how to do this. On the customer service 's advice, I wrote a letter requesting to close my escrow account. The letter was ignored. Since than, I called OCWEN 's customer service multiple times and sent them several more letters requesting to close my escrow account. The account is still not closed. Among excuses there were statements that the letters were not received or that it was too close to the date when the property tax is to be remitted to the state. I receive a written response only XXXX time after I sent OCWEN the letter by certified mail. In their response they refused closing my escrow account saying again that it was too close to the date when the property tax is to be remitted to the state and suggested that I send them yet another letter. The latter suggestion sounds senseless. Nothing prevents OCWEN from closing my escrow account after the property tax is paid. They already have several letters from me that clearly show my request to close my escrow account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX Acct : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

Started getting phone calls and fake XXXX bills in 2017. Called XXXX immediately and they said I do not have an account with them under this particular account number they are providing nor under my personal information for XXXX $ I got calls from XXXX NY and Florida. Now I am getting calls from what appears to be in my state but when I research number its not an active number. 
I now have a collection under my credit report from this agency : Convergent Outsourcing in Washington state for this amount but have yet to get any information because they ask for my personal information like my SS number which I Am not giving them. There is already a class action lawsuit against them. Please help.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (PA)

Fruad Accounts appearing on credit report. 

XXXX. XXXX XXXX XXXX {$76000.00} XXXX. XXXX XXXX XXXX {$890.00}
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I 'm requesting a mortgage modification to my existing XXXX mortgages. I just moved out to California for a job. A few months later the entire department was outsourced. As a result, my income is not what was anticipated. I have good credit. I have no wish to miss payments and a modification is appropriate. 

Moreover, after being XXXX military ( XXXX ) XX/XX/2011, I attempted several times to modify my loans for XXXX XXXX XXXX XXXX XXXX ( XXXX to OCWEN to XXXX ) and XXXX XXXX XXXX # XXXX XXXX, ( XXXX to XXXX ) but was repeatedly denied this opportunity. 

Finally, this loan companies in question ( all ) continuously misplaced information on the condo HOA and the HOA 's insurance, and demanded updates of the same information every year despite the fact that the information never changed. Worse, the only notice they provided for said demand invariably took the form of a fine or penalty as a result of not providing the same information - provided every year for the last several years already - yet again. 

Despite the fact that they did n't request it, the HOA has not changed, and it appears to all that they were merely acting ignorant ( as if they have n't repeatedly received the same information the pretend not to have every year ) as a pretext for imposing fines and redundant insurance policies. I think this is wrong and I again renew my requests. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (VA)

Hello, My complaint is against XXXX when I tried to apply for an XXXX XXXX  XXXX Credit Card. 

I had previously applied for this card a couple of months ago and was not approved due to high balances and to many credit cards etc. 

I called them on XX/XX/XXXX to see about having them rerun my application since I had recently paid off my credit cards. When I was on the phone I was asked a lot of questions that I was more than happy to answer for the agent. I had informed the agent that I should be approved now since my cards were paid off and that I had a FICO score off XXXX. The agent informed me that indeed it look like my credit was getting better and I had a high FICO. However, at this time she was not able to issue me a new credit card. 
At this time, I was really upset since I told her that her company sent me the offer to apply for the credit card in the first place. I really feel the only reason I didnt get this card was because of my last name of XXXX. 

I normally wont waste my time on this issue however, this is just not right at this time. 
I am attaching the decline letter that also shows my FICO score of XXXX. 

Thank You, XXXX XXXX
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (FL)

In accordance with the XXXX Compliance of the FDRA XXXX XXXX XXXX XXXX Florida ( XXXX ) Account related to XXXX and XXXX has violated my rights. 

Under the code 15 USC 1681 section 602 it says I have the right to have privacy and section 604A Section 2 says that the consumer reporting agencies can not give out any of my income without my knowledge or written consent to do so. 

Credit reporting agencies can not place a late payment on an open end consumer credit plan so says the 15 USC 1666B law. 

Also with 15 USC 1681a law Exclusion says that consumer report term does not include any of the reports containing transactions and or experiences between a consumer and the person making the report. 

IRS states that any creditor that writes off an account as a Charge Off files a XXXXC to establish the account as income. And income does not get reported on the credit profile. So the consumer reporting agencies are violated my rights reporting inaccurate information.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (DE)

On my credit report from the three bureaus ( XXXX XXXX XXXX ) a credit card account with American Express is being reported that had a balance of {$3700.00} and was " Closed - Credit Grantor '' on XXXX. They continue to report it as active. I have not had communication with them since XXXX.
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (UT)

I traded in my Nissan Truck lease XX/XX/XXXX to XXXX XXXX XXXX XXXX, UT XXXX XXXX paid the lease off XX/XX/XXXX Nissan claims to have received check XX/XX/XXXX I contacted Nissan XX/XX/XXXX about the pay off they said they have the check but are holding it. I reached out to XXXX XXXX who then called Nissan 3x and sent them over what was needed repeatedly. 
XX/XX/XXXX XXXX XXXX reaches out to them again they still want the same paperwork that was already sent to them XX/XX/XXXX account is still open Nissan will not respond to me or close my account even though they have the money in their possession to pay the lease off and close the account.
Consumer complaint received 2021-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Phoenix Financial Services. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XXXX/XXXX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XXXX/XXXX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

Wish to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for alledge [ Mortgage fraud, and Identity theft ] Please refer to File XXXX, XXXX, XXXX The bank knowingly filed a Document number XXXX based on a Fraud Mortgage that was submitted to CFPB by SPS. 
I XXXX 's supposedly signature on the Mortgage is ( Fraud ) and this Fraud was reported to SPS who services this mortgage on XX/XX/XXXX among other Notarized Fraud signatures of XXXX discovered on the loan process. 
Debt Collector XXXX XXXX XXXX XXXX who repeatedly filed Foreclosure lawsuits on behalf of Plaintiff XXXX XXXX XXXX XXXX was also Notified of the Fraud Signature on the Mortgage back on XX/XX/XXXX and they still filed foreclosure lawsuits and repeatedly ask the court for six months extension to prepare their ( Pretrial statement ) year after years. I don't understand why they threaten me like this and how long more years does this bank ask for more extentions if they believe the mortgage is Valid. 
I notified them of the Frauds and those are the same Frauds I intent to use in Court, based on their recorded XXXX XXXX which is also Fraud. 

Please see attachments on File number XXXX of attachments to support this complaint.My mortgage was recorded as Document number XXXX, so therefore if any other mortgage was recorded based on the Mortgage submitted to CFPB by XXXXelective Portfolio Services Inc. it is a Fraud and an attempt to defraud an innocent consumer.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one, I block the funds in my debit account, it tells me that they are not available for withdrawal, since XX/XX/2022, 11 months ago, I have called the bank many times and they do not give answers or give deadlines to resolve The problem, and I need the money, is XXXX dollars.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have dispute with XXXX and TransUnion multiple times the validity of the public record information they have been reporting For TX BKPT XXXX and TX BKPT XXXX. On XX/XX/21 I sent certified letter # XXXX XXXX XXXX XXXX XXXX ( USPS Tracking # ) to XXXX  and requested under FCRA 611 ( a ) ( 7 ) for a description of all validation methods for the above referenced public record information that is showing on my credit file. I have ONE bankruptcy and that is XXXX. I filed disputes with XXXX XXXX and as a result, they removed the information. The information shown in PACER is not mine. XXXX is reporting incorrect information about me. My phone # is tied to people who are not me! I sent the same request to TransUnions ( XXXX XXXX XXXX XXXX XXXX postal tracking # ) on XX/XX/21 and I have not gotten a response.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I have been made aware of a debt that was reported on my credit report. I have reached out to this company and the credit reporting agencies and have not been given verification of this account. I know for a fact that I did not have any contacts in place with this company, or the company that " bought '' the debt from XXXX XXXX XXXX. I am asking that this be verified by providing any contacts that were signed and dated with my signature.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My EDD card was frozen because the previous identification was not verified in 2019. I made a phone call to BOA to unlock my card and the representative said that they need the EDD department to submit a form or notice, which indicates there is no identity fraud. The EDD worker just verified my information and an EBP ID Issue Log was sent with reference # XXXX to BOA. But it has been last several months since the unlocked requirement was sent to the bank. I had made phone calls to BOA so many times and there was no response. My money was locked until now and I need it to pay my bill. 
I think it's illegal for BOA to lock my card and restrict transactions after the EDD department lifted it. My card number is XXXX.
Consumer complaint received 2021-05-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

They sent me a letter via email : I can also see another dispute in process. This was initiated on XXXX XXXX file number XXXX, estimated completion date XX/XX/XXXX. You should received a notification about the result of this dispute soon. 

We want to make sure any mistakes on your credit report get corrected as soon as possible. It looks like there was a communication issue with TransUnion that prevented us from getting a status update about your recent Direct Dispute request. 

Heres what to do next : Check your TransUnion credit report to see if the error you disputed is still there. 
If that error hasnt been updated or removed, submit a new dispute request directly with TransUnion at https : //dispute.transunion.com. ( You'll need to create an account with TransUnion and follow their steps. ) TransUnion will alert you of your dispute status. 
XXXX XXXX will cancel the dispute you initiated with our Direct Dispute tool. 
Youll get a follow-up email from XXXX XXXX that your dispute was cancelled. This doesnt affect any disputes you initiated directly at TransUnion and youll still be able to submit disputes with XXXX XXXX in the future. 
Make sure to take action so that your disputes get resolved. 

I hope this information helps you. Remember you are very important to us, if you need more information don't hesitate to contact us back again. 

Thanks for your preference and for being a valued XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX Support ref : XXXX : ref I requested validation through a direct dispute with TransUnion by providing my original signature, that I agreed to these negative accounts to show that their was a meeting of the minds agreeing to these accounts and their terms. I filed my dispute on the XXXX XXXX site directly with TransUnion on XX/XX/2021 and today is XX/XX/2021. This is thirty one days without completion and all negatives has not been removed. Please remove all of my disputed accounts.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

Domestic wire transfer of {$14000.00} sent from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX at Chase bank. According to chase, they returned the wire on XX/XX/XXXX at XXXX because recipients account could not receive wires. XXXX ran a trace and shows Chase received the money. I can not get a straightforward answer from chase as to where the money is and why it hasnt been received by XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Aqua Finance, Inc. (FL)

Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX Subject : Inoperative Alarm w/ over 20 messages from ( Brently ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You AreDissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). 

For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms. XXXX XXXX XXXX XXXX XXXX. My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. 

On XX/XX/XXXX the front doorhad set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NJ)

- I have been using BinanceUS exchange for over a year - On XX/XX/2021 I completed the advanced identity verification process and received positive confirmation via email from Binance US. 
- On XX/XX/XXXX, my ability to trade and withdraw my funds XXXX tens of thousands ) was frozen. Binance claimed I needed to verify my identity to regain access, which I already did on XX/XX/XXXX. However, I was not able to resubmit my identity verification request because the system knew that I had already done this. So basically, it was asking me to verify my identity without giving me an option to actually do this - On XX/XX/XXXX, I raised a ticket to notify Binance of this issue. I was told I would hear back within 15 days. 
- After 15 days, the Binance US website states to fill out another form to let them know you are still pending a response. I filled out this form and received no response. 
- On XX/XX/XXXX I tweeted at the Binance US help desk. I received a response from them stating that I would receive an email from support. 
- On XX/XX/XXXX I received an email stating " This particular issue is due to a recent verification update and we are currently working to resolve the discrepancy. I have escalated your issue to our onboarding department for manual review and will be sure to reach out to you as soon as we hear back. '' - I have followed up multiple times since this email but I have not received any additional information or communication - I need access to these funds to pay bills and fund my daily activities