davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Dear Sirs, I have been serviced by Ocwen since XX/XX/XXXX after XXXX sold my loan to them. I was in bankruptcy then as I lost my job the year before that ), but even then, I have paid my mortgage payment every month. Ocwen never sends me any statements except for when they informed me that they were servicing my loan. I paid my mortgage every month and have tried to call them several times to send me a statement or I place a communication with my check advising them to send me my statements to ensure that I am still paying the correct amount but still no answer. My bankruptcy finally ended XX/XX/XXXX and have advised them repeatedly over the phone that this is so but still no answer. It 's more than 15 months now that my bankruptcy is done and still no statements. I have been making payments online in the hopes that they will at least update their system but still nothing. I have been stressing on this for the longest time now and still find no relief. Please Sirs, I need your help on this. I am working a regular job XXXX, M-F and I call their office on a regular basis but it seems their company does not know what they are doing or ca n't explain the anomaly to me. Is their payment office is in Florida, there is no way I can speak to a person " in person ''. I am really desperate, I want to keep my house and just not stress out on this which should not really be a hard thing since I pay our mortgage on time or even few days earlier than the due date. Thank you and hoping to hear some relief your end. 
Sincerely, XXXX
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

After noticing several invalid charges in a XXXX XXXX, XXXX statement, I sent Select Portfolio Servicing, Inc. ( " SPS '' ) a Qualified Written Request ( " QWR '' ) challenging {$670.00} in insurance charges and {$660.00} in eviction charges. Since I have never let my homeowners insurance lapse and have not been evicted, these charges were obviously wrong. 
In response to my QWR, SPS removed over {$5000.00} in forced placed insurance charges and {$660.00} in evictions charges. SPS ' excuse for charging me over {$5000.00} of forced placed insurance was a rescinded foreclosure sale in XXXX of XXXX. 
However, the unlawful sale was rescinded almost immediately and my homeowners insurance was still in place. SPS gave absolutely no valid reason for charging me Eviction Fees and Costs in XXXX XXXX other than " because we can '', and the charges were clearly removed because of my QWR. SPS failed to provide any details for the charges or to identify who provided the " service '' for which I was charged.
Consumer complaint received 2022-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. 

As of today XX/XX/2022, XXXX, I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you, nor gave you consent to have any of my private information. 

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. 

Which is what your company Fair Collections & O XXXX XXXX is doing by demanding I owe an alleged debt you were prohibited to take this account in the first place but you decided to buy this alleged debt anyways, Therefore I demand your company, its partners, and affiliates to remove the collection account from my consumer report for infringing my right of privacy within 10 business and I prohibit your company from transferring this account to another debt collector.
Consumer complaint received 2015-07-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, First of all thanks a lot for having a forum that listens to the customer voice against big banks whose main motive is to make insane amount of money on taxpayers bailout. 
I am writing this complaint against bank of america who have defrauded me to the tune of {$700.00}. I deposited a check in XXXX XXXX from my dad 's XXXX bank account. After a month passed i noticed that the check never cleared. I did n't get any notification from BOA and when i inquired they mentioned that the check did n't clear because the signature did n't match. I looked at my statements and i noticed that they initially cleared the check and gave me the money that i never withdrew ( because i was told its an international check so wait ) but then they took the money away {$700.00} more than they deposited. I was really shocked to see that how can that happen. The check was not mine, it never cleared, it was not my fault and then they charged me {$700.00}. I have been going door to door but BOA does n't care because i am not their multi XXXX dollar corporate client. Please help! 
Here are the detailsThey gave {$7200.00} that i was told to note take out and then took away {$7900.00} - {$610.00} for a check that was not mine or not my fault at all.
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have asked for a debt violation time and time again. Pursuant to 15 U.S.C 1692 ( b ) upon receipt of this rescission i am not liable for any of these charges because there is no violation, and this account has been charged off which i have not benefited from this.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (IA)

In XX/XX/XXXX I pulled all 3 copies of my credit reports. I noticed two ( 2 ) accounts from The Bureaus and Bureaus Investment Group Portfolio NO 15 LLC. In XX/XX/XXXX I disputed the two ( 2 ) accounts with all 3 credit bureaus. In XX/XX/XXXX, all 3 credit bureaus came back as verified. I never received a dunning letter from The Bureaus or Bureaus Investement Group Portfolio NO 15 LLC about the two ( 2 ) alleged accounts. I was not notified within 30 days of them placing negative information into my credit file. On XX/XX/XXXX, I sent a certified letter to The Bureaus specifically stating I needed validation of alleged accounts. ( Letter enclosed ) On XX/XX/XXXX I received correspondence from The Bureaus with a generic Bill of Sale and a bank statement. However, I only received response to 1 alleged account.
Consumer complaint received 2016-10-06
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Rosebud Economic Development Corporation (VA)

I received a letter from XXXX, Esquire at XXXX, New Jersey XXXX ( XXXX ) XXXX ( XXXX ) XXXX This was received on non letter head on plain paper stating I that this person is an attorney and I owe First Pay Loans {$1700.00} - its stating fake laws that I owe and I have 30 days to respond. 

From research of this company in the past, this sounds like a scam.
Consumer complaint received 2017-04-28
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: EQUIFAX, INC. (TX)

I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus,  XXXX , Equifax and  XXXX . I have requested that the information be removed due to per Texas  SOS debt collection must be Bonded, and although they are not a 3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the  search results.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NM)

I received a XXXX XXXXXXXX gift card {$100.00} from my work for XXXX. I finally tried using it 2 days ago and it was declined. The cashier could see there is {$100.00} available. We tried for 10 minutes every which way but it did not work. I then tried to pay a utility online with this card and again it was declined. I went on their website, XXXX but when I try to enter the card number, it says it is not valid. I called the number on the card and was told by 3 different customer service people that I have to go through their automated system to validate the security code before they can even help me. So, there is no option for the automated system! It takes me directly to someone who barely speaks English and all they tell me is, sorry you have to call the number on the card again. I tell them it takes me to them. Again, sorry, you have to call the number again. This is their only answer. Nobody is helpful and there is no supervisor available. I asked multiple times what can be done to resolve this and nobody has an answer. I'm beyond upset at this company and their lack of customer service. How do they not have someone to help, or get me a new card. It's like running against a wall! I feel like this is a scam. I hope I will get some help through here. Thank you.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

My concern is not listed, but here it is. 
My XXXX and XXXX scores are only XXXX or less values in difference. 
XXXX and XXXX respectively. Equifax, however, consistently has my score at almost XXXX points less than both. I have been told that because I live in a predominantly XXXX area, this is a racially motivated discriminatory practice based on zip code. Meaning the score is deliberately manipulated this way in predominantly XXXX zip codes to prevent us from obtaining fair and low interest rates and even to deny credit altogether. I would like an investigation into this. My score with Equifax should not be cosistently XXXX points lower than the other XXXX reporting agencies and all XXXX have the same credit profile. This has happened with others in my neighborhood as well as my husband.
Consumer complaint received 2020-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MO)

This is a follow-up to my complaint you closed XXXX WHICH SHOULD NOT BE CLOSED. I am disappointed you are not handeling my complaint seriously. Here it is XX/XX/XXXX, and this is still not resolved. Great Lakes refuses to remove balances owed ever per their XXXX process.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IA)

On XXXX/XXXX/16, I disputed the XXXX account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.
Consumer complaint received 2015-10-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

With the previous assistance of the CFPB, Navient agreed to allow me to enter into a repayment plan at a lower interest rate with lower monthly payments due to economic hardship. My economic hardships resulted from being unemployed and no offers on the table at that time. The repayment plan was that I was to pay {$340.00} per for the next year at 1 %. If at any time I did not make a payment on time Navient had the option to remove me from the payment plan. The payments were to be automatically deducted on the XXXX of each month. The first payment was due XXXX, 2015 and the funds were taken out XXXX XXXX, 2015. The second payment was due XXXX XXXX and the funds were taken out on XXXX XXXX, 2015. The XXXX pay, likewise, were due on the XXXX but this time they were not automatically deducted from my account on XXXX XXXX, 2015. When I contacted Navient I was told that I had defaulted on my account and that I no longer had a payment agreement with them. 
At first I thought it might have been a error on my credit union 's account because the funds were in my checking account and available for withdrawal. I explained to the representative that it had to be a banking error because the funds were there. He stated to me that that did not matter and that my repayment plan was now void since Navient had not been paid on time regardless of whose fault it was ; since it was a new month and I had not notified them by the last day in XXXX. He also stated that I maybe be able to get into a new repayment plan but it would be more than my original plan. I notified my financial institution of what had happened because of the error with my account. It was then that it was brought to my attention that Navient had not attempted to withdraw any funds from my account on XXXX XXXX, 2015 per our agreement. After checking my account statement I checked my Navient account. Under the correspondence there are two documents stating that I am delinquent on my loans. The are dated before the XXXX loan installment was due. I did receive a message stating that if I do n't enter into a different payment plan or pay the past due amount this month my account would be placed into bankruptcy.
Consumer complaint received 2020-06-01
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX  XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00}
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I sent a letter to Equifax letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Equifax refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Equifax provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have made repeated attempts, on three separate occasions, to notify XXXX XXXX that I am an authorized user on a credit card account that was fraudulently opened in my name. Despite my efforts, XXXX XXXX has insisted that only the primary account holder can remove me from the account. 

I want to emphasize that I have never utilized nor even seen this credit card, it is imperative that action be taken promptly to rectify this situation, as it is unjust for me to bear the consequences of someone else 's fraudulent actions. 

I kindly request your assistance in addressing this matter with XXXX XXXX as soon as possible.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Consumer complaint received 2017-03-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (NC)

In XX/XX/2008 my wife at the time withdrew XXXX dollars out of my IRA acct. XXXX individual times with forged signatures infill acct was closed.I did not give her permission. During this time the banker at the time witnessed to me that my wife at the time had her totally fooled. The bank was bb t XXXX branch on XXXX nc. Bankers name was XXXX. I am seeking retribution or someone to own up to the XXXX dollar mistake
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (GA)

The apartment bill me a year after i moved out.They bill me for about {$2.00} XXXX and said i did not pay rent.I gave them a 90 day written letter, turn my keys, and i got a walk thur letter.I even gave them my foward address which is my current address now.The said i was evicted and did not turn in my keys.That was not true i follow all the rules of the lease ending.I have been writing them only get dead end and lies.I need help get this off my credit.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

After years of being harassed and bullied for not being able to pay what they demanded, I was finally enrolled in a 'program ' that halved my payments XX/XX/XXXX. XX/XX/XXXX, I was on workers comp, and still made the effort to pay when they called me relentlessly to make a payment. I found out through XXXX different 'representatives ' that the 'program ' I had been enrolled in had expired and the six previous payments I had made went to my federal loans. I requested the six payments to be payed to the private loans since they were demanding a large sum of money to be paid at once that I did not have. It was the next phone call I received that I was informed the six payments were reduced to three because the program had expired. There was no offer of another program to be enrolled in and so federal loans were sent to a collections agency who is currently garnishing my wages and is n't allowing me to make payments to my private loans. I can not possibly pay both private and federal with what little I make and still pay my bills, etc. I have spent twelve years reasoning with salliemae/XXXX and now I can no longer face another demeaning, round a bout, phone conversation. They do not help those of us trying to make payments, they have only bullied, harassed, and hindered my progress. I am made to feel ashamed by every representative I have spoken with. XXXX I dwell on what enormity this situation has blown into and I can not see a way free or at least through. Despite their efforts, I have finally received my XXXX and am trying desperately to complete what is necessary for my resume/XXXX to get higher paying jobs that I schooled for so I can pay them off for good.
Consumer complaint received 2016-02-23
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (TX)

I am attempting to short sale my home to avoid foreclosure and being evicted from my home. I did n't qualify for any home retention program and realize that I must move out of the home. I contacted a Realtor to short sale my home so that I could leave my home with the debt settled instead of being evicted and having a Foreclosure showing up on my credit. I received an offer on my home that according to my Realtor is a good offer considering the current damage to my home. She submitted the offer along with supporting documents that included a BPO with colored pictures and a repair estimate for the cost of these repairs. The lender rejected both the offer and supporting documentation. They have an appraisal that is showing the home worth more than what it is due to the damages to the property. The lender 's appraisal did not identify or take into account any damages when figuring the appraised value of the property.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX