davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (RI)

I have been in my home since XXXX XXXX, faithfully paying my mortgage, did a refinance back in XXXX with XXXX XXXX, house value went up, doubling the worth of the home to {$200000.00} from its original of {$100000.00}. The mortgage industry crashed my home lost half its value. I have tried on at least 3 separate occasion to have the Mortgage service provider modify the loan to reflect the actual value, first attempt was in XXXX due a terrible car accident that had complications I knew I would be in trouble making payments. At that point XXXX XXXX XXXX ( XXXX ) had taken over my mortgage due to XXXX going belly up. XXXX drug out the process ( all documents attached ), giving me multiple redo 's for unsightly reasons, then finally said I qualified " in conversation '', sent me a XXXX letter saying " Let 's do one more round of paperwork, then 2 days later via another XXXX letter said sorry we sold your mortgage to Ocwen. Basically a 4-6 month process of delays to sell me off after all that work. I then tried with Ocwen, and they said sorry " Mortgage note owner ( which was XXXX ) do n't participate in HARP/HAMP '' or anything to help rectify the underwater situation. OK, that was harsh, they were rude, and either way, I got through my health crisis, caught up and then there 's NOW : I 'm still paying then XX/XX/XXXX I get a payment notice telling me they are doubling my mortgage. I call tell them I ca n't afford that, they ( Ocwen ) do same song and dance about " let 's see what we can do '' and then came back with the same " Sorry NOTE owner ( XXXX ) does not participate, and furthermore, you do n't qualify for any other assistance/consideration, as you are not behind '', and blah, blah, blah. Next they sent me the options of Deed In Lieu or Short Sale. I 've filed a complaint with the Attorney General 's Office, and was also instructed to file a complaint here. In summary, I have paid, missing the few months due to almost XXXX, over {$210000.00} over the past 14+ years, for them to take my home without reasonable negotiation. This is clearly ( to me ) unethical and un-American. What I want is to be recuperated correctly, have them fix the mortgage to rightly represent my actual value, and give me my credit for all these years of faithful payment as this is a mortgage, not rent. At this point, they have it so I owe over {$180000.00} on a home worth {$100.00}, and no credit of 14+ years of faithfully paying my mortgage. If they have it their way, I am out on the streets, credit destroyed for Foreclosure, Short Sale, or Deed In Lieu, and can not afford to purchase another home for some insane amount of time, for something as ridiculous as this. I will attach the documents showing some of the trail, and my most recent letter to the office of the president, and their response. I need you to champion this cause and get me justice as this is very wrong for multiple reasons. Thank you, and I look forward to your interaction.
Consumer complaint received 2024-02-16
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)

ATTN CFPB- I am not asking you to send this information to TransUnion. I am requesting the CFPB take action on my request since TU continuously fails to take proper action.

Previous attempts have been made to obtain proof of verification for these items on my credit report. Each time TransUnion has come back with merely a " verified '' or " updated '' without providing any proof of what they received showing that i am personally liable for these accounts ( docs with my signature ) nor did they provide info such as the name of the person at each of these entities who verified the info, which is my right to request.

At this point, TU is in violation of the FCRA by failing to provide documentation showing a fair and complete investigation. Just because they add a note of " verified '' or " updated '' does not provide ANY proof that I am liable for these accounts, nor that they are mine.

As required by the FCRA Section 611 ( a ) ( 6 ), A statement of dispute must be included in my credit file regarding these items.

TU is in clear violation of FCRA law, and I demand that these items be deleted off of my credit report. After months of asking for proof, they have provided NONE and these accounts are not legally verified and are being reported erroneously, violating my rights as a consumer. 
XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX ( this account reporting twice, same account number - how is the VERIFIED? ) XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also XXXX despite XXXX XXXX under the FCRA, I have recently reviewed my credit report and found that the requested statement of dispute has not been included on XXXX XXXX  # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This failure to comply with the FCRA 's provisions is unacceptable and constitutes a violation of my rights as a consumer
Consumer complaint received 2023-04-17
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. (NC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX Balance {$660.00} XXXX XXXX Balance {$160.00} XXXX XXXX Balance {$70.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (CA)

XXXX years ago, my personal information was stolen - social security card, XXXX XXXX credit card and California ID. I filed a police report with the XXXX police department, due to fraudulent transactions and cash advances connected to my XXXX XXXX account. They were able to gain access to my XXXX XXXX account using my personal information. I was able to dispute the fraudulent transactions, but then my log-in information to my XXXX XXXX account is was changed and cash advances were being made. My credit card was maxed out on XX/XX/XXXX. Additionally, another fraudulent account was opened under my name through XXXX on XX/XX/XXXX and maintained a balance of {$930.00}.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$8100.00}
Consumer complaint received 2019-02-27
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: Experian Information Solutions Inc. (TX)

I received a alert on my experian credit report and I called them this afternoon and report a fraudulent address and a fraudulent account on my credit report and they refused to remove the address and that fraudulent account off my report and told me to contact the XXXX to remove it and I try that and they refused to assist me and I send in police reports and other documents to prove that I dont live in that address and experian is very slow with there investigation and kept that account remains and that fraudulent address on my report ...
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX years ago, my personal information was stolen - social security card, XXXX XXXX credit card and California ID. I filed a police report with the XXXX police department, due to fraudulent transactions and cash advances connected to my XXXX XXXX account. They were able to gain access to my XXXX XXXX account using my personal information. I was able to dispute the fraudulent transactions, but then my log-in information to my XXXX XXXX account is was changed and cash advances were being made. My credit card was maxed out on XX/XX/XXXX. Additionally, another fraudulent account was opened under my name through XXXX on XX/XX/XXXX and maintained a balance of {$930.00}.
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Funding has taking me to court and continuously updated my credit with negative information. I have sent them 2 letters asking them to validate this debt in which they have not sent the information requested. I have spoken to them on the phone, in which I have the recording, asking them to validate this debt with a signature showing I have a contractual agreement with them and they 've responded verbally saying they do n't have that informatiom.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (AZ)

There are fraudulent charges on my credit card. I have asked Citibank 3 times to close this account but it does n't get done. I just received a notice that a payment is due after I called Citibank and was told that they would take care of this. I have had XXXX different account numbers for XXXX different cards in the past XXXX mo.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (FL)

They made me do a down payment of {$4000.00} which is illegal because its a financial charge it didnt help my monthly payments nor decrease the value of my car. It came with gap insurance and they made me get insurance on it to drive off the lot also.
Consumer complaint received 2022-09-07
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. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXI XX/XX/XXXX ; XXXX  XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$150.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2015-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AE)

We have been struggling with paying our mortgage for a while. This is the XXXX XXXX time I have had to borrow money just to keep up. To get most recent modification I had to file bankruptcy, because it was only then that Ocwen would take us seriously. As a result of this my credit is damage. The loan started as an interest only loan, XXXX Arm, which quickly increased in payments. We refinanced to what we thought was fixed only to learn it was another interest only loan with a XXXX Arm. When we tried to correct this Ocwen would not cooperate, instead they had someone else information on our file who was claiming to live in our home but in reality was trying to take the home from under us. It was then we went to a lawyer and had no other choice but to go the bankruptcy route. Even after all of this it is still not over, now what should have been a fixed 2.00 % apr, 30 year loan, if now increasing ( most recent XX/XX/XXXX ), and will increase again in XX/XX/XXXX to a 4.50 % apr, with the final payment being a balloon payment. This is the most discouraging of it all, because we would have been struggling for 30 years and still possibly lose the home is we do not have enough to cover the final payment. It has already been an 11 year struggle ... .and still no relief. We would love some assistance please as we are currently behind 3 months and now Ocwen is rejecting my monthly payments of {$1000.00}.
Consumer complaint received 2023-03-31
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. (TX)

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 INSTRUCTION. 15 U.S.C 1681c.

( a ) ( 5 ) SECTION STATES : NO COSUMER REPORTINT AGENCY MAY MAKE ANY OF THE FOLLING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATIOM, OTHER THAN RECORD OF COVICTION 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 2019-02-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding LLC Successor in interest to XXXX XXXX XXXX represented by XXXX XXXX  XXXX sued me and I responded to the lawsuit stating I will pay {$50.00} a month until debt is paid in Full. So they asked for payments on a website at XXXX. Which I did every month to total of {$65.00} until one day the web page return with XXXX not found. I no longer could reach XXXX XXXX   XXXX. Now I'm being sued for Judgment and Writ of FlFA from a XXXX XXXX XXXX. XXXX  stating I defaulted. I never heard of them. I don't know what to do. I just keep trying to clear this up so that I will not lose my job.
Consumer complaint received 2016-09-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (NY)

Got a loan at XXXX. Signed up for intellipayment to take payments out every 2 weeks. The loan was with TD bank. XXXX sends them payment every 2 weeks with automatic deduction. Since the day we got the jeep every 2 weeks payments were taken. XXXX sent XXXX payment later than TD banks payment date. XXXX only sends payments on Fridays and this was not the correct day. TD bank should be aware of this since the are signed up to participate in the program. TD bank has called, and sent letters and are harassing me every day about late payment threatening to ruin my credit. We signed up for auto deductions so we do not have to deal with this. I can prove every payment has been taken from our bank account and TD bank refuses to acknowledge this. I am tired of calling dealer, TD bank and XXXX and they all blame each other. At this point if TD does not fix this error, I am going to get a new loan, and not use them or XXXX again. We have had another vehicle on the same program for over 3 years before trading in without any problems and also a truck with no issues. TD bank refuses to fix this error and I need help. They are trying to get another payment which we do not owe and say every payment is late when it is not. I have the payment schedule from XXXX and also can show every 2 weeks payments were taken out. I will never use TD bank again and at this point if they ruin my credit- I will be suing them. I XXXX XXXX took out the loan for my granddaughter XXXX XXXX and the payments come out of her bank account. She is on the XXXX account.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have been trying to get all three credit companies to remove this bankruptcy from my credit. All are reporting different information which none of it is complete or accurate. It has now been over XXXX years an it has not dropped off yet.
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

I believe Synchrony Financial responded to my complaint with fraudulent information. The table they created has a glaring discrepancy including a blacking out of vital information. Why is this complaint closed when such a situation exists and no one questioned it? Although I do find it difficult to make sense of what Synchrony Financial has devised to confuse and frustrate, a simple cross-referencing of the actual statements with this table they submitted will clarify things much better than anything I can say. A good look at the table will reveal that it all just doesn't add up. This is not right. Please have someone take a good look at what Synchony Financial has submitted. Thank you. 
Sincerely, XXXX XXXX CFPB Case XXXX Amazon.com Store Card Account Number Ending in XXXX
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.
Consumer complaint received 2022-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

I submitted my application to FedLoan Servicing for the Temporary Expanded Public Service Loan Forgiveness. I completely qualified for the loan based on the bylaws which I have included in this complaint. I qualify because I have made XXXX on time payments to XXXX and XXXX Fed Loan servicers both XXXX subsidized and unsubsidized. I have also been a public school teacher since 2005 full time with no gaps in employment. So i followed the rules : I consolidated my Navient and XXXX loans as indicated in the Temporary Expanded Public Service Forgiveness program, sent in the application, sent verification of my employment and didn't hear anything. I then wrote a letter asking for the status of my application. I was then sent a letter stating that I do not qualify because I have only made 2 payments. THis is totally untrue and I have made over XXXX payments and completely qualify according to all of the printed information on the Temporary Expanded Public Service Loan Forgiveness site. I have included copies of all of the documentation that FedLoan Servicing has been sent.
Consumer complaint received 2021-04-28
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: CAINE & WEINER COMPANY, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... CAINE WEINER ( Original Creditor : 01 XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-09-07
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.