davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-25
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Wilson, Riley & Associates (MD)

I have been filing complaints since 2011!!!! 

Violation of Fair Debt Collection practices. Claiming to be an attorney office, no website or contact information provided. Yelling, screaming, and calling names. Refusing to communicate via writing as requested. Contacting family members and friends trying to collect a FALSE debt. Threatening police will come to serve papers. This company is a fraud. They have violated ALL of the following Fair Debt Collection Practices listed below : Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not : use threats of violence or harm ; use obscene or profane language ; or repeatedly use the phone to annoy someone. 

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not : falsely claim that they are attorneys or government representatives ; falsely claim that you have committed a crime ; falsely represent that they operate or work for a credit reporting company ; misrepresent the amount you owe ; indicate that papers they send you are legal forms if they are n't ; or indicate that papers they send to you are n't legal forms if they are. 

Debt collectors also are prohibited from saying that : you will be arrested if you do n't pay your debt ; they 'll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so ; or legal action will be taken against you, if doing so would be illegal or if they do n't intend to take the action. 

Debt collectors may not : send you anything that looks like an official document from a court or government agency if it is n't ; or use a false company name.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

today XXXX ocwen called to inform me AGAIN that i needed to fax them our tax returns and a letter stating when our hardship began and our application would be complete. i have faxed it XXXX times now along with the letter of hardship. this is ludicris. i have never in my life seen something like this. this is exactly what ocwen did to us when they told us if you want help you must fall XXXX months behind and we did and after we called for help and we sent in a complete application they just kept wanting things over and over and over again the whole time assuring us they would help us to find a resolution to stay in our home. they did this to me for XXXX months, mind you we were already XXXX months behind bc they told us in order to get help you must fall behind, now XXXX months into that help how can you get caught up. does anybody care what they do? is anyone listening to me? if i find me a lawyer that aint scared of ocwen im suing their pants of them. they better cross their every t and dot their i because if their paperwork is wrong i will fight them all the way to the top.
Consumer complaint received 2015-12-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CO)

When converting an HELOC from draw period to Payback period, Wells Fargo changed the index and margin used to calculate monthly payments, Wells Fargo has not disclosed ( in written or verbal form ) that new index/margin even though I have requested written disclosure. Nor has Wells Fargo provided written proof that I accepted those changes.
Consumer complaint received 2015-06-25
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Delta Management Associates, Inc. (MA)

- Debt collection agency called my work office, which I have not shared with any of my loan institutions. Coworker took the message, and they would not disclose who they were or for what reason they were calling. 
- Call began by asking for my date of birth and full Social Security number without specifying : a ) who the caller was ; b ) what they wanted ; or c ) why they needed this information. 
- Refused to speak with me without the aforementioned identification information. 
- Representative informed me that I was being contacted by a debt collector, Delta Management Associates , Inc., and that they worked for the US Department of Education. 
- Representative stated that my federal student loans had defaulted, cited an amount I believe to be greater than the amount I had taken out. 
- Asked if I could pay the loans back in the full amount today ( nearly {$42000.00} ). Asked if paying {$35000.00} was more amiable. 
- Offered to sign me up for a " rehabilitation '' payment plan, in which I would pay somewhere between {$5.00} and {$240.00} per month for 9 months, after which I would be reassessed for a different amount by a different debt collection company. 
- Asked for address information, salary, monthly expenses, family members, and information about assets, two weeks of signed pay stubs or a signed XXXX for the current calendar year. 

- I had consolidated my loans in the past and am currently paid up. Informed the representative 's supervisor that I would need to confer with my cosigner to ensure that the claims they made were true. Supervisor informed me that these loans are not " cosignable, '' so the point would be moot. She then told me that if I did n't respond then there would be " certain involuntary actions '' taken ( eg. wage garnishment ) and asked that I respond within the next 24 hours.
Consumer complaint received 2015-06-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Keynote Consulting, Inc. (IL)

The debt was satisfied but, the collector has failed to update in XXXX report and further failed to provide his name. When contacted about this issue on XXXX/XXXX/2015 at XXXX, the collector failed to acknowledge it and stated " its not his job to update it ''. Further, I stated that I will get in contact with " CFPB '' about this issue and he said do whatever you need to do.
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: CNP Solutions (GA)

XXXX XXXX with CNP Solutions pretended to be an attorney and threatened to have our daughter arrested over a debit to XXXX from 2009. The amount he tried to collect is also XXXX the amount she owed.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (MA)

On XXXX XXXX, 2015 I received notice from Green tree stating that I was able to cancel my pmi insurance I called green tree and told them that I would like to stop pmi till this date they still have n't cancelled my pmi I have called them many times sent a letter stating to cancel pmi had my home reappraised still nothing I am paying XXXX a month for this if you could help that would be great
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fidelity National Financial, Inc (CA)

The title company that handled a refinancing on my property was Fidelity. The Deed of Trust has a recording issue because it was forged and is void. A claim was filed against the title insurance by someone. Fidelity is being evasive by surpressing information. I trying to shed light on the situation by getting a copy of the claim. Fidelity is only turning over the policy initiation documents from XXXX and not the claim documentation from XXXX. What are your suggestions? What government agency governs Title Companies? 


Sent from XXXX Mail for XXXX -- -- Begin Forwarded Message -- -- From : XXXXXXXXXXXX : XX/XX/XXXX, XXXXTo : XXXX XXXXSubject : RE : subpoenaMorning XXXX XXXX, I sympathize with your request but, we have sent you everything that we have on this matter ( see enclosed ). We may not have handled the claim aspect you are interested in. Reserving us will be a waste of effort and we may send you the exact same material. I see other vendors involved on this matter. I suggest that you check with the banks, or XXXX Escrow Company on this matter. Perhaps if you go through the docs, see who else was involved, and serve them. 
Best of luck, XXXX XXXX
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

XX/XX/XXXX I was able to do a home loanmodification that the Presidentput in place. My home loan is servicedwith Select Portfolio Servicing companyI have made my payments on time every month since XX/XX/XXXX except XXXX timein XX/XX/XXXX I wrote my mortgage check out ofthe wrong checking account and caused alate payment on my credit. 
For the last five years I have been working to pay offeverything on my credit report and have gonefrom a low XXXX credit score to XXXX-XXXX now. 
I wanted to get an even lowerinterest rate because shortly after Select Porfolio Modified mymortgage payment to an affordable payment, they raised my paymentthree months later to an un-affordable rate, after they had takenthe incentive from the government for my loan modification. 
So I found out about the HARP program and how you could check withyour mortgage company to see if they offer the programand could get you a lower interest rate. 
I called Select Portfolio Servicing and asked who myMortgagee was and the person that answered stated that they could not tellme over the phone and that they would mail me the name of my Mortgagee. 
They sent me a letter and I have it and advised me my mortgageewas XXXX XXXX. They did not provide a phone number for me to callXXXX. I was advised by Select Portfolio Servicing thatI could not contact them and that I would haveto contact Select Portfolio Servicing if I wanted or needed any king ofassistance in regards to my home loan. 
I went ahead and googled XXXX in NY and someoneanswers and connects me to a recording when I asked for someone in the mortgage dept. 
I called and I called to reach someone with this XXXX XXXX. 
I then applied with XXXX XXXX for the HARP program and theyadvised me that my home was in foreclosure. 
I applied with my local bank XXXX XXXX XXXX, and they advised me thatmy credit report shows my home is in foreclosure. 
I asked XXXX XXXX XXXX Loan Officer, where are they gettingthis information from because I am looking at my credit reportI pulled last week and it shows I have not been late XXXX timesince XX/XX/XXXX but in XX/XX/XXXX for writing the payment from thewrong checking account and I have proof of that. 
I would like to be contacted about what action that I can take against XXXX XXXX. 
They are purposely filing mis-information to these credit bureaureport. The banks co-CEO and CEO have recently resigned for putting people inforeclose who should have never been in foreclosure. Please contact me aboutthis matter asap, as I need to get my home refinance at an affordable rate.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is continues to report a account that does not belong to me that I have disputed several times according to my rights under FCRA. I also have provided them with proof from XXXX that states they can not locate and account number under my name, social security, date of birth, etc ... I am hoping that the CFPB can help me get some results.
Consumer complaint received 2015-06-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

My father in law passed away unexpectedly and had a home equity loan from Sovereign Bank. There was a XXXX dollar balance on the account when he passed away and we paid the balance, even though he had mortgage insurance. We sold the house and were told that we would have to pay a XXXX dollar penalty because we closed the home equity line early, even though he had died the bank stated that " these are the rules ''. A complaint was filed with Sovereign XXXX years ago with no resolution.
Consumer complaint received 2015-12-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

The medical bills were paid by insurance companies the bills was the result of an auto accident XXXX XXXX paid the bills for the emergency room and for all services rendered that day I also have full XXXX and XXXX so I have n't received any medical bills from hospitals or doctor for over 3 year for over three years sinc XXXX years since XXXX
Consumer complaint received 2015-06-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

Addendum to Complaint XXXX. 
I write to provide additional information about this complaint. On XXXX XXXX, 2015, I again contacted XXXX XXXX and spoke with a representative named XXXX XXXX. XXXX provided me with additional details about XXXX XXXX lack of knowledge of the settlement and payment arrangement Navient offered to me in their undated response to CFPB and details about how XXXX XXXX and Navient have negotiated deceptively and in bad faith. Specifically, XXXX stated : XXXX XXXX received the correspondence I sent to them, and shared with CFPB, on XXXX XXXX, 2015. However, XXXX stated that, because I had advised XXXX XXXX to not contact me, they would not respond to such correspondence. As previously explained, I finally advised XXXX XXXX to cease contacting me when I filed this complaint with CFPB because XXXX XXXX had begun to incessantly call my friends, relatives, and domestic partner on a daily basis and threaten them. When a party sends a written correspondence detailing the filing of a consumer complaint and engaging in negotiation to settle the dispute, as I did, it defies reason to ignore that communication and reveals the bad faith with which Navient and XXXX XXXX conduct their businesses. 
XXXX stated that XXXX XXXX does not own the debt, and did not purchase the debt from Navient. XXXX indicated that he believed in situations where a consumer has advised XXXX XXXX to cease contact, the company would return the servicing of the debt to Navient. 
XXXX stated he had no record of the settlement and payment offers Navient extended in their communication to me through the CFPB and told me he could offer me the opportunity to make payments toward the {$64000.00} balance that I am disputing. Navient, in their letter to me and response to the CFPB, stated that they had contacted XXXX XXXX on my behalf, and that XXXX XXXX was making the settlement and payment offers. This appears to be completely untrue. Navient continues to be deceptive and knowingly provided false information to CFPB in an effort to resolve this complaint. 
Shockingly, Navient and XXXX XXXX have begun to market additional products to me through both regular postal service mail and e-mail after previously claiming to have not been able to contact me.
Consumer complaint received 2015-06-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NE)

Paid off a loan with Ocwen in the amount of {$110000.00} by wire on XXXX XXXX, 2015. Since that time they have sent XXXX new payoff quotes, each time increasing the amount due. They have assessed a property maintenance expense in the amount of {$1200.00}, {$1000.00} of which accrued in XX/XX/XXXX and XX/XX/XXXX after the closing. I was at that property every day and no representative from Ocwen ever showed up there. I spent a fortune preparing that property for sale. There was no maintenance. I was in possession of the property. Ocwen has deliberately and wilfully suspended this payment refusing to properly apply it to the loan and clear the amount all the while accruing interest and charging a fraudulent fee of {$1200.00}. 
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Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I am writing to express my serious concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to see any resolution or corrective action taken. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative impact of these inaccuracies has caused immense hardships, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a thorough investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 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 XXXX  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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to express my serious concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to see any resolution or corrective action taken. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative impact of these inaccuracies has caused immense hardships, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a thorough investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-01-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, XXXX I mailed to Wells Fargo a Error Resolution Notice under 12 C.F.R. 1024.35. I received verbal acknowledgement from Wells Fargo that errors have been made on my account. I was advised by Wells Fargo that I would receive written confirmation of the errors including that the errors have been corrected. I have not received written confirmation. On XXXX XXXX, XXXX I mailed Wells Fargo a request for a complete account history of my mortgage. As of XXXX XXXX, XXXX Wells Fargo has failed to provide the information I requested. On XXXX XXXX, XXXX I mailed Wells Fargo an additional letter. I advised Wells Fargo that I have not received an acknowledgement of the errors made on my account concerning the Error Resolution Notice. As well as advising that I have not received the information I requested on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX I have not received from Wells Fargo a letter acknowledging errors made on my account ; if the errors have been corrected ; nor have I received a history of my account.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :