davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-17
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. (MN)

The following debt collector and credit card account, and credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XXXX, {$300.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, Tbom/Cont fin, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to me.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Confirmation # XXXX XX/XX/XXXX, Confirmation # XXXX XX/XX/XXXX, and Confirmation # XXXX XX/XX/XXXX - I have been sent numerous disputes to Equifax with regard to 2 credit card accounts " settled for less than full balance '' on XXXX # XXXX & XXXX. Both accounts DOFD go back to XXXX. Both Accounts were settled. in XX/XX/XXXX. I have requested these items be deleted from my credit report as I am in the process of trying to refinance my home and the negative information is stopping me from this process. As you will see by the uploaded documents the same comment appears " The creditor has verified to OUR Company the date of last activity is correct. Under the Fair Credit Reporting negative items are supposed to be deleted from 7 years of DOFD, last activity date means nothing in reference to this item beyond the 7 years of reporting. Each time it has been disputed I have asked the representative to provide me with written documentation from the Creditor showing these items have been verified. As you will see on the all the confirmations, none of that has been provided to me. I have contacted the creditor ( XXXX ) and they have told me nothing has been reported to Equifax in years since there is a " XXXX '' balance. Why does a credit bureau have the right to report information beyond the 7 years reporting time when a creditor stopped reporting to them years ago. This is my final attempt to have Equifax delete this information before a suit is brought against them for damages in XXXX County. These items have dropped off XXXX and XXXX in XXXX. 
I take my credit information seriously and I am hoping you do too!
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (HI)

XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (DE)

I am a XXXX yr old XXXX in High School.. While in our XXXX class we had to investigate fraud.. my credit report shows things that happened when I was in elentary school. These are not mine. I would like to know how to get them removed.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TN)

I have a credit card with HomeDepot ( Citibank , N.A . ) and had established a credit limit with them that they have consistently reduced every time I have paid a portion of a balance down on the card. They have told me it is due to what they get reported back to them by the credit bureau each month. However, the only time they do it is when I have made significant payments on promotional balances to pay them down or off. Most recently, on XX/XX/2020 I paid {$1000.00} on my card and then on XX/XX/2020 I paid another {$2800.00} which paid off a promotional balance of over {$6500.00}. On XX/XX/XXXX they decreased my credit line to {$100.00} over the current balance of the card which decreased my credit line {$3300.00}. This has impacted my credit score and report by showing that I no longer have a large open credit line and a decreased available credit on the card. They are now showing the card to be utilizing almost 100 % of the available credit which has created an unfair reporting on my credit and affected my score as a result.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

Ocwen has been falsely reporting on my credit report for years. They say I am delinquent. One month it showed I was current and the very next month they reported I was FOUR MONTHS BEHIND! How would that even be possible. They have held strong with reporting I am two months behind ever month. I have made extra payments and it goes to some mysterious escrow cushion. If I call to complain all the customer service people say is, " How would you like to pay to get your account current '', WHAT?!
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I paid off a house last year and have an overage paid into escrow and can not get Ocwen to send the overage back to me. I have faxed, e-mailed, many phone calls and sent a registered letter demanding payment it looks as though I may have to take them to court to get my money back.
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (FL)

The Loan from XXXX was NOT transferred to XXXX bank XXXX as stated in your letter. The assignment was done by MERS conveying the interest under the mortgage ( which they did n't have to assign to GMAC/XXXX XXXX XXXX XXXX ) on XXXX XXXX XXXX. Four Years after the Trust has closed and after GMACXXXX had filed Chapter XXXX, XXXX XXXX XXXX. According to XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone number XXXX. They are only a TRUST not an investor they would only hold documents for the investor. The fact that the investor is bankrupt XXXX Bank is not sure on behalf of whom XXXX is collection for and why Ocwen has a lien on the property. None of the Documents mention Ocwen or XXXX Bank in anyway. 
Attached the Assignment to UNKOWN by MERS. 
Therefore the location of the original NOTE is being requested for viewing by borrower and borrowers attorney. No lean by Ocwen can exist for a note, that was never conveyed to XXXX Bank in XXXX. XXXX is NOT a note Holder, Ocwen is NOT a not holder and XXXX Bank America 's is only a trustee which holds records for investors. The question remains who is the investor that owns the mortgage NOTE- Location of the NOTE.
Consumer complaint received 2024-02-19
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : U S DEPT OF EDXXXX  Account XXXX XXXX Account Name : U S DEPT OF EDXXXX Account # XXXX Account Name XXXX U S DEPT OF EDUCATIONXXXX Account XXXX XXXX  XXXX Account Name : U S DEPT. OF EDUCATIONXXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A : States that 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 2016-12-18
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (OR)

Barclay Card falsely advertised a promotional rate for XXXX. purchases. On my first big purchase from XXXX a year earlier, they extended a zero percent interest rate for 18 months as advertised. What they did not tell me is that this promotion must be reactivated every time you make a purchase from XXXX, despite the fact that they do n't have any clear instructions on how to do this, and they do it automatically for you on the first purchase. Unlike other cards I own, they also capitalize on any amount in the account at closing immediately instead of the statement balance. That means if you have {$15.00} on the card the day before closing from an automatic payment they collect interest on it. This is a predatory card and Barclays has questionable business practices that intentionally try to trick the customer.
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I have had Ocwen for my mortgage since XX/XX/XXXX when they bought my loan from XXXX. It has been a complete mess ever since. I called for a payoff quote XX/XX/XXXX and then again XX/XX/XXXX. When I received the pay off quote in XX/XX/XXXX the pay off was higher than the one in XX/XX/XXXX, so I called Ocwen for clarification. After trying to speak with numerous people that have no clue what they are doing ... I hung up and called back and actually got someone with some sort of a brain. She preceded to tell me I was 4 months behind on my mtg. I said to her I have never missed a payment in 10 years so where are you applying my payment? So I found out that in XX/XX/XXXX my payment increased but they were not allowed to contact us due to Bankruptcy laws. So for the last 5 years we have been mailing in the wrong payment amount. I am in the process of closing on a new home in one week and because of this Ocwen is not reporting it at all on my credit and my new home is on hold! Ocwen is ruining this for a lot of people! So one needs to stop them ... this is why there are so many forclosures put there!
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (MS)

Following My Chapter XXXX bankruptcy discharge on XXXX XXXX, 2015, in which Ocwen was included, Ocwen started reporting to the credit bureaus that my loan was reaffirmed and reported balances, in violation of the fair reporting act. Attached are XXXX different credit bureaus reports. 
XXXX - shows Open, Balance & Reaffirmation of Debt ( XXXX payments made on time ) XXXX - Closed, shows Payments, Balance and Reaffirmation of Debt ( 12 payments made on time ) XXXX - shows Open, Payments, Balance and ( 13 payments made on time ) XXXX - shows discharged, Never Late, account paid as agreed ( missing history )
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-02-19
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)

I am currently rewriting my complaint with EQUIFAX concerning inaccuracies in the information on my accounts. Despite sending a letter requesting an investigation into the mentioned accounts, the process took over 30 days to complete. EQUIFAX claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Consumer complaint received 2024-02-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

In XX/XX/XXXX, I was contacted by someone over the phone asking me some questions concerning my personal informationthe person called me by my name and told me my date of birth b and the last of my social security and an XXXX address. I confirmed my identity and the last social security number and denied the address. In XX/XX/XXXX, I was surprised to see a debt collection on my credit file. On XX/XX/XXXX, I sent a letter to the debt collector to prove my debt. This is two months since I received no notice from Southwest Credit System, which violated my rights to dispute the debt.
Consumer complaint received 2022-09-03
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. (NY)

According to the Fair Credit Reporting Act, Section, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FRCA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as an agreement to defer XXXX or many payments or forbear any delinquent amounts.
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

I would like your help because I have been dealing with this situation since XXXX and they would always tell me to wait 4 to 6 weeks and I did but when I called back they would tell me to do the exact same thing all over again but nothing would get resolved. They told me that I have continue to make payments but the service was never render so I hope you are able to help me with this situation.
Consumer complaint received 2022-02-09
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00}. Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2015-08-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/XXXX, I purchased a home through a third party lender. The loan was purchased by Bank of America. Bank of America foreclosed on the property in XXXX XXXX, but continued to show late payments on the mortgage until XXXX of XXXX on my credit report.
Consumer complaint received 2024-02-19
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-01
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: EQUIFAX, INC. (MS)

I have been disputing with XXXX XXXX for over a year. Ive filed disputes with Equifax, XXXX, XXXX and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX  and Equifax. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of Equifax, XXXX   and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with Equifax and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (WA)

I have a credit card through synchrony bank for XXXX as well as for walmart and amazon. I fell behind on my payments and missed a payment XX/XX/XXXX for XXXX. Since XX/XX/XXXX I have made XXXX to XXXX payments every month but XX/XX/XXXX. I new I was behind so I logged in and set up auto payment for XXXX payments ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) to at least pay something until I got my refund XX/XX/XXXX and could pay account off. I have been getting up to XXXX calls a day from them between the XXXX accounts all while I am at work. My job is upset my phone keeps going off I am a Therapist and I can not take calls while in session all day every day. According to the FTC they have harassed me by calling up to 50 times a day, I emailed them ( which I have ) stating I can not take calls do not call me and they continued to do so anyway. I logged into my account and set up these payments within a day or two I got notice that immediately after they closed my account. When I called to ask them about this today I was told that making a payment every month expect one and setting up a payment arrangement was n't good enough. So now, my credit report reflects a bad debt despite me making payments.
Consumer complaint received 2016-01-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (CO)

We leased printers from US Bank. US Bank Equipment Finance continues to bill us for months past the lease and refuses to provide return instructions until we paid for months for which we were not contracted and did not use the equipment. 
We sent our termination letter in XXXX XXXX as the contract prescribed. The contract terminated on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX, US Bank has still not provided return instructions as the contract prescribes. 
US BANK - XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Fax : XXXX Tel : XXXX
Consumer complaint received 2020-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IN)

In XXXX of 2020 I found a collection on my account from LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES. XXXX XXXX advised me about this, and I paid them to get it verified. They never received anything back, and I just couldn't afford to pay them any longer, so I sent a certified letter to them on XX/XX/2020, which they signed for on XX/XX/XXXX, and I didn't get any response! I pulled a copy of my CR 's from all three bureau 's on the XXXX day, and they had not posted disputed as required by law. I then sent a second letter on XX/XX/XXXX giving them another 15 days to remove it from my report as they had not verified that I owed any debt to a creditor, nor did they show I owed them any money! I again checked my 3 CR 's and still nothing removed or shown as disputed, it was still there and not shown as disputed. I finally received a letter from them on XX/XX/XXXX more then 120 days from the letter from XXXX XXXX, and more then 22 days from the second letter, that stated they were looking into it and would get back to me. I just pulled my 3 CR 's today another 30 days, and again nothing has changed on my report! I have all my signed letter receipts, and I want this removed from my report. I have copies of my dated reports and letters.