davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Ocwen continues to give me a run around. Ocwen continues  to refuse to include both non borrower 's income and borrower 's income to evaluate my mortgage for a loan modification.  Ocwen has failed to  accurately evaluate my request for mortgage assistance based on my household ' source of income that has already been submitted to them.    Ocwen 's notic e dated  XXXX / XXXX / XXXX , states, " The denial decision was based on the monthly gross income you reported, which was {$430.00} '', see notice attached.    Ocwen 's no tice dated  XXXX / XXXX / XXXX , states  " I   ncome calculation : you have two sources of income : Social Security income and contribution from two non-borrowers '', see notice attached. The notice includes both the income amounts and calculations from both non-borrowers and borrowers income.
I have repeatedly told Ocwen that there are both non-borrower 's income and borrower 's income that pays for the mortgage, previously documented and incomes have been submitted.
Ocwen continues to ignore and deliberately refuses to evaluate my request for mortgage assistance for a loan modification based on both my non-borrower and borrower sources of income. Ocwen contines to give me a run around, fails and refuses to correct errors, and sends me inaccurate notices and denial letters. Ocwen 's incompetence and improper practices has cost me money.
I am in imminent default and I request that my submitted mortgage assistance application be evaluated for an affordable loan modification under the Federal HAMP Tier I and Tier II guidelines.       I look forward to your prompt response.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

Currently I am paying on a Barclaycard Mastercard that was closed by Barclaycard even though I made my monthly payments. I called and told Barclaycard that I would be late on monthly payments because COVID 19 cut my work hours. I still made the miminum payments they were just a day late I believe in XXXX and XXXX. I told Barclaycard over the phone my payments would be late and since I made my payments every month could the late fees be exused because I paid my monthly minimum payments on time as always. However Barclaycard raised my minimum payments and is reporting my account delinquent to three credit reporting agencies XXXX, XXXX, and XXXX. I want Barclaycard to stop reporting this closed account as delinquent to the three major credit reporting agencies. I have a stellar credit reporting history this delinquent account will tarnish my credit reports and payment credit history. I will still pay the minimum monthly payments that I was paying before Barclaycard recklessly raised the minimum payments starting in XXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NE)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2018-01-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: COMMUNITY CHOICE FINANCIAL, INC. (UT)

An unauthorized account was opened in mine name by cash central in the original amount of XXXX on XX/XX/2017.. Did n't realize about this account till I went to try and get a new car loan in XX/XX/XXXX and it did n't go through, I have frozen my credit to the credit bureaus filed a police report and filled out an identity theft victim 's complaint and affidavit had it notarized and sent it to the company..
Consumer complaint received 2015-05-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, ACE Cash Express and XXXX XXXX. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about XXXX or 7 years ago. My current situation of using multiple payday loans every two weeks started XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XX/XX/XXXX and XX/XX/XXXX. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?
Consumer complaint received 2022-08-11
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. (CA)

In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

As an XXXX who has used credit in the past, I was more than likely part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2022-02-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (NM)

Morning To whom it may concern : My name is XXXX XXXX, I have lease not ones before from same institution before, but all my loans have been same institution for many years. So I have a question and hope is a valid XXXX. 

My Payments are do on the XXXX of each month, so I have try to write to the financial institution one twice XXXX times and many mores, My question is simple, my month start on the XXXX of each month, so that been said from XX/XX/2022 to XX/XX/2022 it is a month correct, that institute my month and my agreement when the changes were made correct. 

So each month I also have a XXXX dats, period extra to make the payments correct, Now also when I'm over the the XXXX days, is about a fee of {$40.00}, need to be paid, so if the {$40.00} dollars are over XXXX days still don't constitute a full payment of a the principal correct. 
So the principal each month is {$380.00} of the loan, therefore the late fees is place or move to the back of the loan, and at the end of the lease it should be paid in full correct, so XXXX XXXX, should this be reported to credit buraus as late payment from principal?
Consumer complaint received 2019-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NY)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America reversed already completely processed payments from XXXX weeks prior and changed the status to pending causing heavy feesI also paid over {$3000.00} in credit card fees that the bank claims were never received causing a debt of {$2500.00} in fees and heavily effecting my credit score.
Consumer complaint received 2022-08-11
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 a account without my written instructions
Consumer complaint received 2018-01-26
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. (GA)

Ive contacted XXXX  Experian and XXXX  several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. Experian XXXX and XXXX   has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dyck-O'Neal, Inc. (TN)

CONTACTED DYCK ON LAST MONTH ACCOUNT THAT HAS BEEN PLACED ON MY CREDIT REPORT IN ERROR ... .ACCOUNT WAS PLACED UNDER CHAPTER XXXX ON XX/XX/16 AND THEY ARE CALLING TO COLLECT ON ACCOUNT IN WHICH IS AGAINST THE LAW ... I INFORMED THEM TO SEND WRITTEN NOTIFACTION OF DEBT AND THEY HAVE YET TO SEND ANYTHING AND WILL NOT REMOVE OFF OF MY CREDIT REPORT.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (NM)

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of XXXX amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.
Consumer complaint received 2018-01-26
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. (LA)

Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter
Consumer complaint received 2024-02-19
Product: Credit reporting 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (KS)

Wells fargo bank in XXXX ks has noticed me that a bank account was opened in my name and info as well as it has now closed with a negative amount balances off {$620.00} it's now on my credit score and it was not open by me someone else got my info how do I get it taken care of
Consumer complaint received 2018-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On Saturday, XX/XX/XXXX, my mother had received a letter from 5th/3rd bank stating that my car had a total of {$1200.00} of payments in default. As she is co-signed on the loan, I knew I would be getting my letter soon, however come Monday I had n't received a letter yet so I had to rely on the pictures she had sent me when I called asking about the amount. It was the amount financed to purchase CPI, and I had n't paid anything towards it since a letter was sent regarding my insurance expiring obligating me to send proof that I was holding insurance. I had received a letter in XXXX and had XXXX send a policy binder in XX/XX/XXXX 

Since the CPI was still applied on XX/XX/XXXX I asked if they needed me to send proof of insurance again. They confirmed this, so I sent another binder to the fax number they provided me ( XXXX ) and called every day afterwards only to be told on Thursday,XX/XX/XXXX, that they do not accept policy binders and I was instructed to fax a declarations page. I called XXXX and had them fax a declarations page and continued to call asking for processing information, only to learn today,XX/XX/XXXX, that it was n't processed because I need to make my payment for XXXX before they can accept it as current. Not only that, but XXXX informed me that 5th 3rd bank would have found a declarations page on page 5 of the binder had they looked. 

I am now going to have to wait until tomorrow in order to send another declarations page and wait 3-4 business days before I am able to confirm that it was processed, all while hoping my vehicle is n't repossessed in the meantime. 

I also am not able to attach digital documents because 5th 3rd has repeatedly refused to deal electronically and had only handled business over the phone.
Consumer complaint received 2018-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Maximization Group, Inc. (NJ)

On XX/XX/XXXX I check my XXXX credit report, and I noticed that there were a negative mark. This negative mark were due to a debt from XX/XX/XXXX, that I have never ever been notified off. I was not given my fair share of the law, this debt has caused my credit score to drop 32 points.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

Since XX/XX/2020 I have been attempting to settle a " debt '' with said Company to no avail. After sending ( via USPS Certified and Priority Mail ( Express ) many notices, affidavits and other correspondences including but not limited to demands for full verification ( s ) of " debt '', a full accounting of said " debt '', notice of default and estoppel and other private special trust deposit documents, to date I have not received any of my requested and demanded inquiries. After experiencing some personal hardship due to said Company 's negative reporting of said Estate, and said Company 's reluctance to submit documents, non-compliance, default, and non-response. The current hardships that are mostly due to the COVID-19 Pandemic Disaster and I not being able to mover forward financially due to the negative reporting by said Company, I was forced to settle said trust account in USD for the full amount of {$5700.00} from my bank whereas said Company 's representative stated that said charge-off would be removed and a letter showing payment of full amount would be emailed to my email, but never sent the email. I was then told to check my junk and spam mail for said email, but to no avail. As of today XX/XX/2020 there is no change to my score. I have exhausted my administrative remedy and will continue to do so in order to possibly file a claim against said Company and it's Agents and Assigns for their breach of a public trust, violation of possible State and Federal laws, as well as many other Constitutional Violations.
Consumer complaint received 2018-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I have been on Administrative forbearance thru Navient while my Defence of Repayment is reviewed by the Department of Education. I have contacted Federal Student Aid and they agree my DTR is still being reviewed, thus allowing me to be on administrative forbearance. Navient refuses to recognize this and demands payment. Department of Education website and via phone call shows i do n't owe a payment till 2021 due to DTR review. Navient wo n't accept this.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

After review my Equifax report, I decided to write XXXX XXXX to get a debt validation. My original letter was sent to this organization on XX/XX/XXXX by  certified mail. I received a verification of receipt on XX/XX/XXXX ( see attachment ). However, I never received any response regarding my debt validation. The company never contacted Equifax and placed a notice of dispute on my account within 30 days of my dispute from their receipt on XX/XX/XXXX. This is in violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

The listed trade line of XXXX XXXX is also in willful noncompliance as of FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies as well. Since I have evidence of such violation per attached certified mail receipt, I request that this tradeline be removed from my credit report.