davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
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)

XXXX XXXX  XXXX opened on XX/XX/XXXX has result of fraudulent activity was charged off by the company in XX/XX/XXXX in the amount of $ XXXX.A police report was filed for this and other fraudulent and identify theft related activities during that time frame.This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau experian and XXXX. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from experian be cause by information was compromised they are completely aware of this.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AL)

My mortgage loan was transferred to Specialized Loan Servicing on XX/XX/2019 from XXXX XXXX. It took weeks to get any information in the mail from SLS but we called to explain our financial hardship and they agreed to send a loan assistance packet for us to fill out and return. When that packet finally arrived about two weeks later, we immediately began filling it out and sent in within two days. We then began receiving letters informing us to contact HUD if we were facing difficulties affording our mortgage, even though we had already communicated with SLS about our situation. While our application was processing we received another loan assistance packet in the mail identical to the one we had previously sent in. Shortly after, we checked the SLS website and noticed that our application was denied. They did not try to help us keep our home! We have two toddlers and are struggling to keep our home and remain positive but its hard because Specialized Loan Servicing has no compassion or willingness to help their customers.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have disputed these accounts several times through Transunion and directly to each furnisher. Some items were modified to report correct information, most were not. I mailed a method of verification to Transunion for the remaining inaccurate accounts. No response after 30 days. I gave more than the 15 day allotted time.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

Between Experian and XXXX as well as XXXX XXXX lending as well as XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX  XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also credit bureaus both XXXX  and Experian are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all attached.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

Why haven't I received a letter in the mail that the forbearance was cancelled? 

On XX/XX/XXXX at XXXX CST I spoke with XXXX XXXX XXXX She submitted the request for the forbearance to be cancelled. 
On XX/XX/XXXX at XXXX CST I spoke with XXXX - he confirmed that the forbearance was cancelled and I would be receiving a letter. 
On XX/XX/XXXX at XXXX CST I spoke with XXXX XXXX XXXX he confirmed that the forbearance was cancelled and I would be receiving a notice in the mail. He also told me I a supervisor would call me back. Why didn't a supervisor call me back? 
I also was assigned a SPOC who never replied to 8 emails or called me as requested many times. 

Where is the official letter of cancellation of forbearance? Why have I not received it? 


I did not want a forbearance and was forced into it. On my other complaint Complaint id : XXXX you confirmed that the forbearance was cancelled. Where is the physical letter to be mailed?
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX I unfroze my credit with Transunion and XXXX. XXXX was unfrozen within 15 min. Transunion still is blocking all lenders from my report 6 days later. Called on the XX/XX/XXXX was told it was unfrozen, lenders still blocked. Mon XX/XX/XXXX I called and spoke to 14 different people telling me it is not frozen. One agent told me there was a technical issue and would be fixed by end of the day. Lenders are still blocked. I called again today theXX/XX/XXXX agent says will be unfrozen within minutes. Lenders are still blocked. No one will help me or let me talk to a supervisor or someone that can help me. You can not live a normal life in America with frozen credit! My car died and I have been trying to get my credit pulled from transunion 6 days now and all they tell me is that it is unfrozen and will not do anything to solve the issue. I am in panic mode right now and mentally can not handle talking to another 20 people there. XXXX was unfrozen within minutes and transunion refuses to help no matter what dept I get.
Consumer complaint received 2019-09-16
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC (NC)

THIS COMPLAINT IS AGAINST Specialized Loan Services, LLC and XXXX  XXXX XXXX. 

On XX/XX/2019 XXXX XXXX XXXX, XXXX sent a notice that they had assigned, sold or transferred our Home equity loan to XXXX XXXX XXXX. Specialized Loan Servicing, LLC Specialized Loan Service handles the billing. 
ISSUE : We have had many conversations with customer service and XXXX to no avail. We have not had any billing from them to this date even though a review board approved sending us statements. They had us sign a request for statements on XXXX XXXX ( Electronically ) per XXXX in their Home Equity Department. XXXX XXXX XXXX XXXX XXXX-XXXX ( MT ) See reference # XXXX The first payment they asked for was not correct and they considered it a partial payment {$800.00} then asked for an additional {$87.00}. Our online account still does not reflect our XXXX payment {$880.00} even though they put through our check. Now they are asking for {$790.00} ( approximate ) figure no billing. I need them to send monthly bills and I will send a payment. Customer Service personal do not give the same answers to our questions. 
I will not be sending payments to a company who can not get the distribution of payment correct or answer correctly our questions about our payment history I want a monthly statement prior to sending my payments,
Consumer complaint received 2019-09-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

We are ready to pay off the mortgage, the lienholder is OCWEN FINANCIAL, we have contacted them several times and they say that they don't have any records on the debt, yet there is a lien filed on the property from them and we have documentation that proves that there was a balance owed to OCWEN. 
We just want OCWEN to give us a payoff and we want to proceed and pay off the loan. 
The attached documents show that there was a bankruptcy chapter XXXX. After the bankruptcy was discharged there is an order to pay OCWEN {$480.00} per month. Also, there is another letter that has an 8 digit account number that shows a balance as of 2017. We call OCWEN and Ocwen says that they can't locate anything with that loan number, nor with the address, nor with the social security number of the mortgagees. We believe that they are not doing all they can to help pay off the debt.
Consumer complaint received 2019-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One authorized fraudulent transactions and failed to protect me as a consumer On XX/XX/XXXX I called Capital One to report a fraudulent transaction for {$2000.00} on XX/XX/2019 from XXXX. I informed the representative that 1 ) I did not authorize this transaction 2 ) I received a phishing attempt after the transaction was made telling me to update my account by clicking a link and 3 ) that I suspected further fraudulent activity - the XXXX representative said the only way to receive my money back was to send them my medical records On XX/XX/XXXX I received an email from Capital One 's card investigations team requesting the following : - A copy of the original purchase receipt - Your efforts to resolve the dispute with the merchant - The expected date of the hotel stay/rental - The date of cancelation ( include the cancelation number if you have it ) - The merchant 's cancelation policy - this helps us with your dispute - Proof you canceled within the merchant 's cancelation terms On XX/XX/XXXX I emailed back providing documentation proving the fraudulent activity ( ie phishing email attempt/XXXX request for medical records ) and explained how I never received proof of cancellation because this was an unauthorized transaction. 

On XX/XX/XXXX I was told by Capital One my claim was denied because I did not have proof of cancelation of the XXXX  within 24 hours of it being authorized.
Consumer complaint received 2019-09-15
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. (OH)

I went into XXXX  XXXX on XX/XX/2019 and purchased a red leather love seat.financing was to be thru XXXX ... .i paid {$49.00} down .... 
I changed my mind..and called the furniture store and Cancelled ... On.XX/XX/2019 The day of delivery ... a truck driver called to confirm .... 
I wasn't at home and told him ... i had cancelled .... 
One week later ... XXXX XXXX..called for the first payment .... 

I told them ... I did not take delivery of the couch..and I'm not paying NOTHING I don't have ... 

They started calling weekly ... so I visited the furniture store ... He refused to show the signed delivery receipt ... .So I wrote out a formal cancellation letter and letter ... 

Now they are reporting late payments on my credit report .... 

I want them removed from my EQUIFAX account i subsquently bought a loveseat from XXXX XXXX ... ..
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

IN XX/XX/XXXX EQUIFAX DATA BREACH CAUSED ME OVER {$26.00} XXXX IN DAMAGES AND HAD TO FILE CHAPTER XXXX BANKRUTCY AND WERE XXXX AND EQUIFAX WERE NAMED AS 3RD PARTY CLAIMS, BK NO.XXXX, TRUSTEE RELEASED CLAM ON XX/XX/XXXX TO COLLECT SAID DEBT TO CONSUMER.
Consumer complaint received 2019-09-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TN)

I have had some assistance lowering my payments with AES. I fell that my loan should be forgiven. I have paid on it consistently. I do not have a big-money job. I have recently been diagnosed with XXXX or the XXXX in my XXXX. I will most likely go on XXXX, as I can not perform the tasks that my job requires. I have been working with the TN Department of Human Services-Family Assistance for 14 years. no loan forgiveness because no one told me that my loans were not consolidated correctly for that program. I am going through a divorce and will most likely have to sell my house.
Consumer complaint received 2019-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

How can this be re-inserted without proper notification? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-09-15
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. (NY)

I believe that an old account I had with XXXX XXXX  and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX - XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX has with each credit reporting agency respectively.
Consumer complaint received 2019-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AR)

On XX/XX/2019, I completed a blanket online refinance inquiry form. Upon completing it, I immediately received a call from XXXX XXXX from Amerisave Mortgage. He briefly explained how Amerisave was voted number 1 in customer service and how they could best service our refinance. He described how, if we agreed to the terms by the end of the evening, we would receive our appraisal fee back at closing. He also camouflaged our fees, stating that it was " basically like a free mortgage '' because we would be getting some money back at closing. Their rates were very competitive so we agree to move forward. Communication was okay up to the date of our appraisal. The appraisal was terrible. In no way it even remotely acceptable. I contacted Amerisave and spoke with XXXX XXXX, XXXX assistant. ( After the initial conversation, I never heard from XXXX again ). XXXX reviewed the appraisal and agreed that the comps were not appropriate and said he would request that it be reviewed. He instructed us the next steps and told me to get CMAs from real estate agents as evidence. The next day, I received an online notice that our loan had been denied due to incomplete information. At that point, all communication stopped. I reached out to the appraisal company and got a second appraisal, it did improve but was not where it should have been so I had two real estate agents pull rolling CMAs and they both came in about where we should have been. I submitted all of this information and never received a response. After weeks of calling, emailing, and leaving voicemails, I finally got a hold of XXXX 's boss, XXXX XXXX. He was very apologetic and ensured me that they would get us taken care of. He stated XXXX and XXXX would be held accountable for their behavior. He would be handing out file over to one of his direct reports and I should hear something by Monday. He promised that we would get our loan reopened and reviewed in hopes of having it funded. We have never heard another word. Neither did the appraisal company. I had to send over a copy of the screen shot or our loan denial due to " incomplete application '' to finally get a copy of the appraisal we had paid for ( {$500.00} ). Amerisave gave false promises, lured us in under false pretenses, and failed to follow through on their side resulting in the loss of a consumer 's {$500.00}, countless hours, and the clean up confusion with our current mortgage companies expecting to be paid out. This, next to a rental car company, has been the worst consumer conspiracy experience we have ever encountered.
Consumer complaint received 2019-12-22
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: EQUIFAX, INC. (TN)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX Inquiries : XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Hi CFPB, I refinanced my house in XX/XX/XXXX. Not long after that, in XX/XX/XXXX, my contract was then transferred from the original bank : XXXX XXXX ( debt collector : Ocwen ) to a new debt collector called XXXX. 

I was supposed to start paying XXXX just in XX/XX/XXXX and the last payment to Ocwen should have been made on XX/XX/XXXX. Because of a miscommunication, I've swapped the payments, paying XXXX on XX/XX/XXXX and then paying Ocwen on XX/XX/XXXX( the check was cashed just in XX/XX/XXXX ). 

I've called both companies and they've informed that everything was ok, that I should not worry about it. 

Nines months pass by and now I'm trying to negotiate my interest rates with XXXX. Unfortunately, I discovered that XXXX gave my XX/XX/XXXX payment to Ocwen and that Ocwen received two payments for the same month of XX/XX/XXXX. Not only that, now XXXX wants me to pay an extra mortgage, and already started sending letters stating that I'm not due with my obligations, which is not true as I'm very careful to not miss a single payment. 

I've called and sent many emails to XXXX to explain the problem and they finally said that they can't do anything about it and that I should contact Ocwen. The problem is that my co-borrower sent a fax and I've sent another one to Ocwen and they never replied to anything. 

Now I have XXXX from one side threaten me with foreclosure and on the other side I have Ocwen not responding to any of my faxes and calls. 

I want to solve this asap as this will affect my credit and also because I don't want to pay interest rates, as this was never my fault. 

Thank you so much for your services CFPB. 

Best regards, XXXX XXXX
Consumer complaint received 2023-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

On XX/XX/2023 we called SPS ( Select Portfolio Servicing , Inc ) to pay off the loan ( and non-interest bearing note ). Happy to help, the agent ( XXXX ) confirmed the confirmed {$20000.00} on the loan and {$70000.00} on the note and made the withdrawal for the former and said he'd have to call back to confirm withdrawal of the {$70000.00}. 

After a week and no call back, we contacted the support line to learn that we'd have to send {$70000.00} which we instructed our bank ( XXXX ) to do. Another week later, we noticed that the check from the bank had been delivered but not cashed. Logged on to the SPS website to find that the balance was not zero, or {$70000.00} pending their deposit of funds sent- so we called again. From a supervisor, we learned that the initial payment had been miss-applied so the pay-off not completed. We were promised a call back, which again did not happen another week later. 

XXXX confirmed the {$70000.00} cleared their account, so another call, another supervisor, another verbal apology and promise of a call back after escalating the issue to their management. No call back. Etc etc... 

Today, we called again - same supervisor ( who was going to call! ) conveyed that management verbal interactions with their staff did not matter and a pay-off letter was being sent for the new outstanding balance ( with interest )!!! The supervisor said she'd refer the matter to their internal complaints department. Having lost faith in any such promise, I'm filing this complaint.
Consumer complaint received 2019-09-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

I submitted a dispute for the incorrect reporting of a JP Morgan Chase auto loan that originated in XX/XX/2011. The loan was for 60 months, during the life of the loan, I encountered financial hardship that resulted in me getting behind in payments. However, I worked hard to get back on track and worked with entered into a payment agreement with Chase, and the loan has since been fully paid off. 

At the end of the loan, I received two checks from Chase with the explanation that I had overpaid late fees on the loan, and the checks were a refund of these fees. Therefore, I submitted a dispute to the credit reporting agencies to update this account to remove the reporting of months that I was " late '' when in actuality I was not. When I entered into a payment agreement with Chase, late reporting should not have been added to my credit report. Unfortunately, this account was never updated and remains incorrect on my credit report. I have attached the results from this dispute from XXXX.