davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (FL)

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2021-02-09
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)

Experian is reporting a late charge off in the amount of {$280.00} from 2018 on my credit report. 
It shows as a negative item and it has affected my ability to refinance my house. 

I have contacted Experian, the car dealership I leased my car and the financial company that reported me, and they both didn't fix the issue. 

I NEVER PAID LATE, I want PROOF from Experian and/or the financial company that I was late.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I filed a request to correct 1. Account appearing inaccurately on XXXX and XXXX. XXXX XXXX fixed it in days equifax hasnt fixed it and their status page wont load because of errors on the page. So I cant check on what they found or concluded and they dont reach out with an update.
2. The last time I found errors I had to email the ceo to get any attention but it would be nice if they made sure the information was right or would correct it themselves.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

Ocwen is reporting late payments to the credit reporting agencies when our mortgage loan with Owen is under a Federally Declared Disaster ( FDD ) program. During the FDD program period, our loan is set up on a forbearance payment plan effective XXXX XXXX, XXXX through XXXX XXXX, XXXX. During the FDD period we are not required to remit any payments from XXXX XXXX, XXXX to XXXX XXXX, XXXX. During the FDD period, Ocwen was not supposed to submit any derogatory credit reporting while the loan is on the disaster area assistance forbearance plan. 

I submitted a complain to Ocwen regarding the adverse credit reporting during the FDD program period. Ocwen responded with a letter dated XXXX XXXX, XXXX, confirming that there should have been no late payment reporting during the above mentioned timeframe. 

However, as of XXXX XXXX, XXXX, Ocwen is still reporting late payments to the credit reporting agencies. I sent letters to all three credit reporting agencies disputing the negative credit reporting activity from Owen during the FDD program period and attached the letter I received from Ocwen stating that they should not have done so. 

I have received two alerts from XXXX credit monitoring informing me that my credit score wend down for the singular reason that Ocwen is reporting late payments during the Federally Declared Disaster ( FDD ) program period, even after receiving I received a letter from Ocwen stating they should not and would not submit any derogatory credit reporting during the forbearance plan period. 

I submitted a prior complaint regarding Ocwen 's corporate behavior previously. I have worked in XXXX XXXX for 19 years and I must tell you, Ocwen is the worst corporate citizen I 've ever encountered. Every attempt I have made to work with Ocwen has been a nightmare. This company 's handling of client service matters is adversarial. It drives me crazy to hear their phone message say " Ocwen - where helping customers is what we do. '' It 's a bogus claim.
Consumer complaint received 2022-04-01
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. (OH)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2021 with a balance of {$27000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Consumer complaint received 2020-06-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX  XXXX  XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On Thursday, XXXX XXXX, 2017 I began researching options to refinance my auto loan, which is currently with Capital One Auto. I was able to use XXXX XXXX to see who my best options were. I have always been happy with Capital One and was pleased when they were the first option, I went through the pre-qualification process and was approved. I went on to refinance, I signed a new agreement with them, sent my pay stubs, I even was told they 'd be paying off my other loan, etc. I received a congratulatory email and everything. After about an hour I received a call and an email from Capital One with no information other than a request to call them. I called them around XXXX XXXX ( a few mins after receiving this email ). Once I was able to reach someone I was informed that unfortunately, they were revoking my new loan and that Capital One Auto could n't refinance their own loans. I questioned why the website not only allowed me to even apply after I entered all of my information, including my Capital One Account number but went as far as to approve me and have me sign a new contract. The representative apologized and said " There is a checklist on the first page that states you do n't qualify if you have a Capital One Account ''. I argued, as I printed all of these pages out ; however, I did n't have them in front of me to be certain. I asked that Capital One, under the circumstances, would remove the hard inquiry reported on my credit report as I would now have to look for a new refinancing option. The representative told me no. I pre-qualified, which is the only reason I moved forward with the credit check. This morning I searched the Capital One website for over 30 minutes and did not find ANYTHING that notified a customer that if they had an existing account, they did not qualify. I feel as though the hard inquiry needs to be removed as I agreed to it under false pretenses. 

Thank you.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis (NJ)

As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 

Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 

Presently, XXXX is probably trying to modify the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request.
Consumer complaint received 2017-12-06
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. (FL)

I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (KY)

payment was made on the weekend. i went to the credit card website to make a payment as i went to the site to make the payment with my checking account it was declined. so i used my debit card. the next day i noticed that there was two transactions it was XXXX that the original payment with checking was processed. i called the bank where my checking account is held who advised that the credit card company would need to be on the line to fix this issue. when contacting the credit card company the agents stated that they were not able or unqualified to assist with this issue and continued to refused to provide bank with the information required to fix this charge and stated that there was " nothing '' they could do on their end. never seen as much so i advised to close the account.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (TX)

I previously disputed an item regarding XXXX that was fraudulently placed upon my XXXX  Equifax and XXXX  credit reports. The item was removed, this morning I received notice that a debt collector, XXXX had once again placed the debt collection against my credit report in violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act without sending me notice, a debt validation letter or an opportunity to dispute the debt. Please find submitted with my complaint an updated identity theft notice with The FTC, notice of dispute and lawsuit filed by The CFPB against XXXX for engaging in this type of misconduct. Once the item is removed or deleted it can not be placed again on my credit report.
Consumer complaint received 2021-02-09
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. (TX)

I previously disputed an item regarding Rise that was fraudulently placed upon my XXXX  XXXX  and Transunion credit reports. The item was removed, this morning I received notice that a debt collector, XXXX had once again placed the debt collection against my credit report in violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act without sending me notice, a debt validation letter or an opportunity to dispute the debt. Please find submitted with my complaint an updated identity theft notice with The FTC, notice of dispute and lawsuit filed by The CFPB against XXXX for engaging in this type of misconduct. Once the item is removed or deleted it can not be placed again on my credit report.
Consumer complaint received 2024-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (GA)

Good morning, I was unable to make land line to make with this company it is extremely difficult to make contact with anyone and the credit department at ( XXXX ) XXXX. I wish to opt out of. Per the FCRA as a federal protected consumer I'm not opting out of any and all authorizations I the consumer may have given you written/unwritten, verbal and nonverbal per 15-USC 6802.

Pre the IRS This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!
Consumer complaint received 2021-07-13
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. (LA)

I have disputed these accounts with the credit bureaus already, but until now I'm still seeing these inaccurate accounts being reported on my credit file and now it badly hurt my ability to obtain credit. I'm certain that my rights as a consumer protected under the law has been violated. 

Account Name : Account Number : Amount : XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXX {$580.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX $ XXXXAccount Name : Account Number : Amount : XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXXXXXXXXXXX**** {$3200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$580.00}
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company (TX)

My name is XXXX XXXX XXXX. I filed a complaint against J G Wentworth and they responded with the same old line of XXXX I have tried for at least a month maybe two to get them to release the tapes that they say they have of the conversations between XXXX XXXX and myself about the loan application. On my first call to JGW I told XXXX of the situation that came up between JGW and my wifes loan with the company. She had an intestinal blockage and had to have XXXX XXXX and was in the hospital for about 10 days. In order to pay the mortgage I instituted a XXXX ( i thought ) with JGW to automatically draft my account for the payment. They did not take the payment because they said the payment was past due. I never heard from JGW that this was not in place. I was tending to my wife that almost XXXX of her blockage. I told him about this on the first conversation we had about a loan for a rental house I wanted to acquire in XXXX TX. I am an XXXX XXXX and knew that this situation needed to be vented before I start spending money on the process. He said no problem so we went forward with the loan application which cost me in the end {$25000.00}. At closing day, I got a call from XXXX telling me that the loan was denied because of the past due payment. ON THE MORNING OF THE CLOSING. Just a week before he said that he was 100 % sure that the loan would close the following Monday. Well it did not. 

I also need the tape or transcript from my conversation with a XXXX XXXX who I talked to and made the payments through to JGW. I told him the story and he even waived the processing fee. The late payment was reported on my credit report even thou I was not on the loan. 



All of this happened within JGW. My wifes loan on our home is with them. ( the one that was late ) and also the application was to JGW. you would think that they knew what was going on within their own company. 

I have tried to obtain this information from JGW to file  suit for this injustice. They will not tell me anything. Does JGW have the tapes and if so can I get a transcript or the tape so continue my efforts to right a wrong. I have been dealing with XXXX XXXX at JGW. He said that they would do an complete investigation concerning the above situation. All he came back with is that the loan was denied because of the past due payment. My wife and I have never been late on a mortgage payment. We are XXXX and XXXX years old and have owned our own home since we were XXXX. 41 years of paying our obligation to a mortgage company and then I run into JGW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jim Bottin Enterprises, Inc (VA)

In XXXX XXXX XXXX signed up for health Canceled XXXX/XXXX/XXXX Company called left voicemail saying I could cancel. 
Then I got a notice for a filing for a judgment in court. Company never sent a letter never mailed a notice. 
They also got a default judgment as I could not be there due to a car accident. 
I asked them over and over from the signing of the contract for a copy of the contract and they denied my right to a contract. I finally this year XXXX got a copy which states I can cancel anytime. 
There was no notification of owing any debt. My rights to information and the right to have 30 days to dispute the debt or the validation of the debt were denied.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

Rule 9037. Privacy Protection for Filings Made with the Court. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable.
Consumer complaint received 2018-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MI)

On XX/XX/XXXX, I was trying a purchase a handbag on an application " XXXX '' which is XXXX $ .We contact by mobile texting. The seller said in order to waive the selling fee of XXXX, she suggest me to send her money through XXXX, so the price will be cheaper, which will be XXXX . I pay her XXXX $ on XXXX as reserved fee and begin send her money via XXXX of my bank - PNC. I send her XXXX $ total in two days ( XXXX $ on XX/XX/XXXX and XXXX $ + XXXX $ on XX/XX/XXXX ) via XXXX and XXXX $ via XXXX ( on XX/XX/XXXX ). After I finished all my transactions, She begin to claim that she never receive that XXXX $ fund. But after I called customer service, the agent said it is already completed. What made me find out she is a scammer and I start to file disputes and make police report. The XXXX $ reserved fee is covered by XXXX and that XXXX $ through XXXX charged back via dispute successfully. But neither police, PNC, or XXXX  willing to help on that XXXX $ transaction. My bank denied those 3 disputes without asking further documentation and police said they can't file a out-of-state criminal charge. That scammer is still selling bags on XXXX. I tried to contact her to send me XXXX $ back and she said she will do it but til now, I still get noting. I do have few more screen shot of our whole texting, but it's too large to be upload. So I choice 3 pictures of transactions and a business card of the police including the report #.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX  Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX