davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

Have applied for many loan modifications Just received a denial this week in XXXX ; letter is dated for XXXX, XXXX. Then received an email of an approval. Ocwen used an income figure of {$9000.00} per month calculating my payment to {$2200.00} I am on benefits of {$1600.00} per month because of a car accident and will resume full time employment in XXXX, XXXX per the doctor Ocwen has made so many mistakes it unbelievable Where are they getting that kind of income and I have never sent updated income from my employer since I have been out of work
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I am writing now in wish to receive your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play an essential part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXXn ) on XX/XX/2018 and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
Consumer complaint received 2021-09-09
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. (CT)

equifax has been reporting inaccurate personal information on my consumer credit profile for sometime now and all efforts by myself to get this wrong and inaccurate information completely deleted from the information housed by Equifax under my consumer credit profile has proved futile. i demand this inaccurate address information ( XX/XX/2021 CURRENT XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ) be deleted immediately but Equifax for some weird reason is adamant on violating my rights guaranteed under the FCRA guidelines passed by the united states house of representatives. Their flagrant violation of the law and blatant refusal to comply with the guidelines set forth under the fair credit reporting act has exposed and made me vulnerable to all forms of fraudulent activities which i have grossly suffered for. i demand that Equifax cease and desist from its continuous and perpetual violation of my guaranteed rights which daily compromises by identity and Delete ( XX/XX/2021 CURRENT XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ) from my credit profile immediately. This information has been disputed, invalidated and deleted by both XXXX AND XXXX. Equifax is yet to live up to the same credibility. i have attached evidence of a screenshot with a highlighted portion of the information in question.
Consumer complaint received 2022-09-09
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: DISCOVER BANK (FL)

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

15 use 1681 section 602 states that I have the right to privacy.

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

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.
Consumer complaint received 2018-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (AZ)

On XX/XX/2018 ECMC, Educational Credit Management Corporation, website XXXX XXXX XXXX sent a letter to my workplace requesting my wages be garnished. 

The ONLY information for the debtor they had that matched any of mine was a first and last name. Not even my middle initial matched the information they had, and yet they had the nerve to send a letter to my employer. 

Luckily the person at my work handling this knows me and let them know right away this was not the right person they were looking for, but they are obviously just fishing on websites for names and not doing due diligence to ensure the person they are targeting is correct and my wages could have been garnished for a debt I had nothing to do with.
Consumer complaint received 2017-06-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I hired a company last XX/XX/2016 to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to  refinance the mortgage. The company that I hired last XX/XX/2016 also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. <P/>In XX/XX/XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX  bankruptacy protection not because of the mortgage because I needed to get reorganized. <P/>After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. <P/>Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emerald AR Systems, LLC (FL)

Its evident that Emerarld AR System do n't have proper documentation to collect this invalid debt. I do have access to files that were not signed by me, because I do n't recall signing any documents ; which is why I 'm requesting the documents that " I signed '' from Emerald AR System. I have the right to request documentation with my " physical signature ; '' as identity theft is at an all time high. Feel free to respond to this complaint with '' XXXX RELEASE '' - Medical records and or Documents signed by me. If Emerald AR System have a right to collect, they have a duty to produce legitimate validation. Until I receive documentation requested ; my HIPPA rights are being violated. **The attached forms does not show any signatures provided from Emerald AR System THIS IS NOT MY DEBT** I am aware of my rights. As such, under Section 809 ( b ) collection efforts must cease until verification is obtained- including pursuing  this debt through an authorized representative to collect on this alleged debt. At this time we will also inform you that your offices have reported invalidated information the 3 major Credit Bureaus ( XXXX, XXXX and XXXX ) and this action could constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any credit reports belonging to either of us by your company, the company you have authorized to collect or the company that you represent seven days  from the date of this notice, we will not hesitate in bringing legal action against you for the following : * Violation of the Fair Credit Reporting Act * Violation of the Fair Debt Collection Practices Act * Defamation of Character During this validation period, if any action is taken which could be considered detrimental to any of our credit reports, we will consult with our legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
If your offices fail to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my places of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be  done in writing and sent to the address noted in this letter by XXXX. 
This is an attempt to correct your records, any information obtained shall be used for that purpose.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Re : Fraudulent Cash App Transaction on XX/XX/2024 and Account Discrepancy with Cash App, I am writing to formally dispute a fraudulent transaction that occurred on my Cash App account on XX/XX/2024. I was attempting to deposit {$300.00} from my Cash App balance to my linked bank account using the instant transfer option. However, every attempt resulted in a failed transfer. 
Alarmingly, instead of depositing the funds, each failed attempt resulted in a corresponding withdrawal from my bank account. This left my account in a negative balance and caused significant financial hardship, especially since the incident occurred during spring break when I have additional expenses for my XXXX children. 
My bank verified these transactions and contacted Cash App directly. They were informed by a Cash App manager that the issue stemmed from a system error on your end, necessitating a refund from Cash App. The manager acknowledged the situation and admitted fault. 
However, instead of promptly reversing the erroneous withdrawals and returning my {$300.00}, Cash App dismissed my claim with a generic, pre-written response absolving yourselves of any responsibility. This response is not only unacceptable but also raises serious concerns about your company 's commitment to fair and honest business practices. 
It is clear that the funds were withdrawn directly from my bank account and deposited into Cash App 's routing number. There is no evidence of a third-party involvement as you imply. This blatant disregard for my financial well-being and the well-being of my family during a critical time is appalling. 
Your actions suggest a pattern of targeting vulnerable individuals, particularly those experiencing financial difficulties. The deliberate manipulation of a failed instant transfer system to withdraw funds from unsuspecting customers is nothing short of fraudulent. My bank has confirmed they have never encountered such a blatant act of financial manipulation by a company. 
I demand immediate action to rectify this situation. Please reverse the fraudulent withdrawals and return the full {$300.00} to my bank account. Furthermore, I expect a detailed explanation of how this error occurred and the measures being taken to prevent similar incidents in the future. 
I will be pursuing this matter further if a satisfactory resolution is not reached within a reasonable timeframe. This may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal options. 
Sincerely,
Consumer complaint received 2024-03-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NH)

I have 2 American Express gift cards. Both are declined at every place I've tried to use them. I've spent hours with Customer Supports and they give the same answer, cards are ok. I have about {$200.00} tied up between the 2. They won't refund, so I'm out the money with 2 useless cards.
Consumer complaint received 2018-06-05
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. (MO)

I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXXXXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through XXXX  that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. ()

I have had a fraud protection alert with Equifax for the past ~8 years, paid for by the province of XXXX due to an OSAP information leak. In early XX/XX/XXXX, I applied for a cell phone with XXXX XXXX and they were unable to access my credit file. I have called equifax and they initially said XXXX could not access the file - I would have to purchase a credit report and send it to them. After an hour of arguing, they agreed that XXXX could see the report if they provided my basic information ( name, DOB, address, etc. ). XXXX has tried twice more and can not access my file.

Ive now requested the fraud alert to be removed from my file, a process involving writing a letter, photocopys of identification, and faxing to equifax. Theyve now responded that my address was illegible, however the letter was written in XXXX XXXX so that can not be true. They also claim I didnt include copies of identification, which I have and can prove.

It seems equifax is trying to 1. Continue charging the province for fraud monitoring that I no longer want ; 2. Charge me to access my credit file every time I need a creditor to see it.

I have called to rectify multiple times and not once was I allowed to speak with a second line representative ( manager of some kind ).

Thank you for your help with this matter. XXXX XXXX
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

o Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXX/XX/XXXX, XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX  XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform Experian, XXXX, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX
Consumer complaint received 2018-02-01
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: EQUIFAX, INC. (MS)

Ive reached out to all three ( XXXX, Equifax, XXXX  ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX I have disputed this account multiple times it has been more tha 90 days and the account was not removed even tho I claimed identity theft with FTC and iam federally protected consumer all companies involved are now in violation of the fair cares act law 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT # 3 - 15 USC 1681B - PERMISSIBLE PURPOSE YOU CAN USE THIS LAW TO CHALLENGE CREDIT REPORTING AGENCIES TO SHOW WHERE YOU PROVIDED WRITTEN PERMISSION FOR A NEGATIVE ITEM TO BE ON YOUR CREDIT REPORT. IF THEY CAN'T PROVIDE IT, YOU CAN LEVERAGE THIS LAW TO HAVE IT DELETED Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

XXXX Balance details XXXX % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$10000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$10000.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Account closed due to transfer Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

o Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.