davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I have had this mortgage for 10 years and never carried an escrow, I have paid all taxes and insurance on my own. In XXXX XXXX Ocwen attempted to collect insurance, after much hassle and phone calls I had to prove that I had a good policy with XXXX, Ocwen continued to insist that I had to pay insurance a year in advance. In XXXX XXXX Ocwen put an escrow onto my account without contacting me. My county offers a payment plan which I took advantage of, Ocwen decided to make all taxes due despite this. I received my check for tax payment back from Ocwen. After 8 phone calls I finally just paid all taxes and fees to avoid late payments and an escrow. At this time I was told that this " WOULD NEVER HAPPEN AGAIN ''. Two weeks later-it happened again. I called Ocwen and wa told that I had delinquent taxes, i was very concerned so I called my county tax office and confirmed that I did not have any delinquent taxes, nothing due until XX/XX/XXXX. I again called Ocwen and they insisted that the XXXX taxes were delinquent and I owed them another escrow in full. I was then transferred and was told they would " research '' and call me back-16 days later. I waited and was again told that they needed to research further and again told my taxes weer delinquent. Mind you, I had not even appraoched the due date yet. At this time I asked " what should I do? '' and was told, " do n't do anything, this is Ocwen 's error and we will fix the unfortunate situation ''. Weeks passed and I kept calling, same response each time. In the meantime I am incurring late fees, property inspection fees and certified mail fees. On one day I was charged 11 times for certified mail, another day 7 times. I have NEVER received even one certified letter! Multiple inspection fees on one day also. I have called almost 100 times, I have sent multiple letters and emails. Yet today, 5 months later XX/XX/XXXX, I am still being told that I had delinquent taxes and I have to send another letter requesting that my account is researched. I do n't know how to prove that XX/XX/XXXX comes before XX/XX/XXXX except to send Ocwen an American Calendar. I have even said-ok how much can I pay to resolve this? The reps refused to give me a dollar amount. They would not let me give in and fix this. Any internet search shows how historically deceptive Ocwen is. Why are they still allowed to be in the business of taking homes from hard working people?? I have been told by XXXX reps that no foreclosure proceedings would take place but again that was deceptive and they are now threatening foreclosure. Please help to rectify this very stressful problem. Thank you.
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I made XXXX XXXX reservations with a person named XXXX who said he was at the XXXX XXXX call center 's phone no. XXXX. XXXX confirmed that the XXXX XXXX XXXX XXXX had a XXXX out of a XXXX star rating, which was also indicated on the internet. Based on that information I booked a XXXX night stay for XX/XX/XXXX at the XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ for a total charge of {$66.00}, which XXXX said would not to be charged until my stay on XX/XX/XXXX was completed. Both the star rating and my Amex account not being charged until after XX/XX/XXXX were not true. On my arrival at the aforementioned XXXX I inspected the room I found that is was unfit for human use and did not sign in that room nor did I stay at that XXXX. When I received my XX/XX/XXXX Amex STMT I learned that XXXX at XXXX incorrectly charged my Amex account on XX/XX/XXXX for the {$66.00}, which was prior to the completion date of my stay at that XXXX XXXX as agreed to. I was asked by XXXX complete a survey on my experience at that XXXX XXXX I did and gave the worst rating possible to that XXXX XXXX. 

I contacted Amex in writing XXXX on XXXX and disputed the {$66.00} charge. I also contact Amex in writing fully disputing this charge with backup documentation again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and Amex still has not fully credited this account for {$66.00}. Due to Amex 's failure to follow the rules on this disputed amount I have cancelled my account and membership with Amex. 

The CFPB Ombudsman XXXX XXXX has received a copy of these letters together with the backup documentation.
Consumer complaint received 2015-07-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I contacted a loan specialist in regards to our credit report to begin the process of owning a home again after a foreclosure. When he looked into our credit he told us that there is a judgement against us. We were not aware of this so I contacted the clerk of courts. They said that there is a judgement and if I understand this correctly they said the judgement went into a lien. They gave me information on the case so I contacted the law firm that is involved and asked them about it. I tracked down the original creditor because the law firm does not do settlements and the original creditor sold the account to Capital One. I contacted Capital One and they told me the amount of the judgement is around {$6000.00}. The amount that we actually accumulated on this card was a little over {$1000.00} and this is an old debt. I asked them why the amount we owed is so much. They said late fees, interest and court costs have accumulated but they would accept {$4400.00} so the lien can be lifted. This credit card was one that was being negotiated by a debt settlement company that we were working with that turned out to be a scam. Before this credit card debt could be taken care of, the debt settlement company collected their fee from us then disappeared. The law firm claims that all the information they got from this creditor was being sent to the debt settlement company which no longer existed. My question is, why did n't they then get in touch with us before the amount on this account got to be what it is??? This debt is many years old. I told them that I could not send the entire amount of {$4400.00} but that I would send it in three payments of {$1400.00}. I am working with a credit counseling agency right now and this does n't sound right to them either and finds it suspicious that a credit card debt would go into a lien. I already sent the first payment but I am now wondering if I should send the remaining two payments just in case this account can be settled for the amount of the first payment I sent of {$1400.00}. Can I get someone to help me with this issue? This account is not on our credit report from what I can see and I 'm not sure how the loan specialist came across it.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NJ)

There are several issue, experian have deleted account in good standing to ruin my credit history, rei aerated previously deleted informations, improperly shared my formatin with collection law firm which requested nformation has nothing to do with employment or extending credit
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

I am receiving phone calls from Midland Credit Management. Several within just hours. They were trying to verify personal information, which I will not give them. I have perfect credit, which is monitored for credit changes and fraud. Therefore I am certain they are attempting to collect on a debt that is not mine or a very old past the statute of limitations debt. I do not trust collection agencies therefore I want this complaint on file in the event I have to sue this agency for whatever reason. I do not have outstanding debts and this agency is not going to be paid for debts that are not mine or old. They were told to cease communication by phone and mail. Letter was faxed and mailed to them.
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I AM XXXX AND XXXX DONE. HOMELESS BECUSSE OF A JUGMENT ON RENTAL HISTORY USED ALL MY XXXX BENEFITS ON CHEEP BUG INFESTED HOTELS WHILE I FOUGHT THIS LOOSING BATTLE. MY IDENTITY WAS STOLEN THE UNWORTHY OF LIFE INDIVIDUAL OR INDIVIDUALS RENTED APTS TOOK OUT PAYDAY LOANS AND CHARGED UP BILLS. NO ONE WILL RENT TO ME NO ONE WILL RENT TO ME NO ONE WILL SELL TO ME. I AM XXXX AND HAVE XXXX XXXX. THE COLLECTION AGENCY INFO STILL ON MY REPORT AS " CLOSED '' BUT THEY REFUSE TO REMOVE IT. I HAVE WORKED MY WHOLE LIFE PAID MY BILLSBUT BECUSSE OF THIS I AM WITH OUT FOOD MEDICINE OR A SAFE PLACE TO SLEEP. SO SAD I KNOW LOL I 'M NOW XXXX OF THEM THE PEOPLE I WOULD GIVE MONEY TO ON THE STREET AND NOT ANYTHING I CAN DO. THIS EXPERIANCE IS CHANGING ME YOUR SYSTEM IS BROKEN THIS THE UNITED STATES OF AMERICA MY FAMILIES BLOOD WAS SHED IN WARS MANY WARS FOR OUR LIFE STYLE AND FREEDOMS LOOK HOW WE ARE TREATED. BEFORE THIS THING KILLS ME I WILL SEND ALL MY DOCUMINTAION TO NEWS ORGINIZATIONS AND PUBLICE OFFICIALS FUNNY I STILL THINK SOMEONE MAY CHANGE THE SYSTEM MAYBE MY PAIN WILL HELP ANOTHER I HOPE BUT AGAIN NO ONE CARES ENJOY YOURRUNNING WATER COMFORTABLE COUCH DINNER AND DESSERT GO AHEAD COMPLAIN ABOUT THAT BAD NIGHTS SLEEP THE NIGHT BEFORE WITH YOUR COWORKERS LIFES HARD I KNOW SLEEPTIGHT XXXX XXXX will attach back up as soon as I can XXXX of our friendly police officers is told me to move it.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (DC)

I am trying to refinance with XXXX Bank. XXXX mortgage loans XXXX XXXXare showing up on my credit report as a short sale from a rental home I soldin XXXX XXXX, 2011. The loan numbers are XXXX for {$210000.00} and XXXX for {$39000.00}. 
I need proof from XXXX by way of HUD that this transaction of sell was complete. Thecompany claims that it does not have a record of this information. But it is showingup on all XXXX reporting credit agencies. I can not continue with my refinancing ifXXXX can not give me the information I need to close on my refinancing of my currenthome. I f they can not prove it, then it needs to be remove from the credit reporting agencies which XXXX Equifax XXXX.
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (VA)

I have XXXX XXXX as my cell phone provider. They have confirmed I have paid my account in full, timely, and they have never attempted collection or held a debt against me. For some reason, XXXX credit report services ( XXXX XXXX have a " Trident Asset Management, LLC '' as a debt collector for " XXXX, '' claiming I owe {$42.00} for " utilities, '' as an open " Collection Account. '' I attach the applicable information if this site permits it, if not I can be contacted at the provided email address and provide all documents. XXXX My phone number will not be answered, as Trident 's efforts prevent answering numbers I do not know and I silence my phone during the hours they were legally not permitted, but have, called me repeatedly XXXX. XXXX XXXX suggested this could be from their home services, but I 've never had XXXX home services, as they also confirmed. When I moved in XXXX 2014 I inquired about services but was told they use dish and my building was too old XXXX historical ) to use such intrusive installation. I informed XXXX I was not interested in their services and received no services, installation, or products whatsoever. I was not informed talking to a representative cost money, it was a XXXX number so I had no reason to think so, so I contest {$42.00} if it was incurred simply by using their potential customer inquiry phone system. As this debt does not exist, I would like to utilize my rights under the FDCPA against Trident and demand XXXX proof of debt purchase/ownership from " XXXX '' and proof of an actual debt. I demand, upon investigation proving my version of events, that my credit reports be fixed to eliminate Trident 's incompetent report pursuant the Fair Credit Reporting Act. I also utilize my rights under the FDCPA for the illegal calling, harassing, and threatening voicemails associated with collection of a non-existent debt. I request XXXX be notified of Trident 's actions, as their system does not indicate any debt and I never received any notification from them on this issue. All I can assume is Trident confused me with another consumer or is fraudulently trying to collect debts they never legally purchased from the entity they claim. I give consent for any measures necessary for the FTC and CFPB to investigate this intricately. I will pursue legal actions myself if necessary, but unlike Trident, do not see the point in threatening a lawsuit over XXXX- far less the filing fee amount in any court - when this fraudulent report or scam can be resolved by the departments competent in enforcing such matters.
Consumer complaint received 2024-08-09
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

Greentree merged with Ditech. We received a statement in the mail from Ditech ( we have an XXXX loan and the XXXX is with Ditech XXXX. We have tried calling their customer service on XXXX different occasions as we need a statement of the last 12 months of transactions. We tried to create an account online but it is saying it does n't recognize that account number. Every time we call the customer service number we get a different answer ... .they ca n't find our account but do n't know why we ca n't access it online. On several occasions they say they ca n't find our loan based upon the Loan number they gave us nor the social security number and address tied to the account. Either this company hires incompetent employees or they are shady ... .I am leaning more towards shady. Is n't it our right to access our account information? Are n't we entitled to get this information when requested. I would also like to mention that this account is and has always been in good standing. If they ca n't find us when we call, how can we be sure they are applying our payments correctly?
Consumer complaint received 2015-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

I have never had any XXXX with the IRS or the state and this info shows up on my credit report. I have contacted both the IRS and state and they have no record of me owing a XXXX. this info. is possibly fraudulent and does not belong to me as I can recall. I need for someone to look into this misrepresentation of facts on my report and have it removed ASAP. Also, they are past the 7 year time frame an item can stay on your report and need for it to be removed. 

Can someone please look into this have it corrected and send me an updated credit report. Also, the reporting bureau should be fined for placing inaccurate info on my credit report.
Consumer complaint received 2015-08-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assistance Corporation dba Revenue Group (OH)

On XXXX XXXX, XXXX, I received a collection notice from The Revenue Group on behalf of the Ohio Attorney General for an unpaid bill of {$200.00} from the Ohio XXXX University XXXX XXXX. The service date of the bill is XXXX/XXXX/XXXX. This is the first notification I am aware of receiving for this bill. I assumed it is in error, because I had numerous health issues at that time and had met my out of pocket total expenses for my insurance. I called Ohio XXXX University XXXX XXXX on XXXX XXXX, XXXX, and was told that notifications of the bill were sent in XXXX XXXX and XXXX XXXX. This was four years ago, so in all honesty I ca n't remember if I did or did not receive these notices, but I can say that we are not the kind of people that ignore our bills. Had we received two notices I am certain we would have either paid or disputed it at that time. After speaking to XXXX XXXX XXXX, I contacted my insurance company for verification of payment. I was told that records that far back are not readily available, and may not be available at all. I was advised to make a records request in writing, which I did on XXXX XXXX, XXXX. I have received no response from my insurance company. I also sent a letter to the Revenue Group on XXXX XXXX, XXXX, explaining that I do n't think I owe this debt, but that I will work on obtaining documentation to prove it. So, the problem is, I have received this collection notice out of the blue, four years after the service was rendered. I no longer have any documentation that can prove I do n't owe this, and my insurance company also does not have documentation that goes back that far. I can not prove that I do n't owe this. However, I have had multiple interactions with Ohio XXXX University XXXX XXXX since XXXX for healthcare, and not once has anyone mentioned this bill. In fact, on XXXX occasions I have received payments from Ohio XXXX for overpayment. Why would they send money back to me if I owed them? This is really distressing. If I do n't pay this bill, it 's going to go on my credit record. Plus, it is going through the Ohio Attorney General Office, and I am an employee of the State of Ohio ... .If I do n't pay it, I 'm afraid I may get in trouble at my job. Can Ohio XXXX XXXX XXXX and the collection companies do this? Just pop up with a bill four years after the fact and say pay it or else?
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 Section B 15 U.S. Code 1637a-a 15 U.S. Code 1681c2
Consumer complaint received 2015-10-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, XXXX wife and I received a letter from 3rd party seeking foreclosure on Chase 's behalfI have faxed back to Chase the packet from Chase regarding the mortgage assistance information that was needed. I have faxed said packet this very morning XXXX XXXX, 2015. Within Chase 's letter and communication it states that we have until XXXX XXXX, 2015 to return the paperwork. Let the record show that the packet was returned to this department 17 days before the final date to apply for assistance for our mortgage. 

I have also, faxed to XXXX XXXX a dispute letter to the validity of the debt we are said to owe in their foreclosure letter and threating correspondence received on XXXX XXXX, 2015 stating we owe by today {$130000.00}. 

We are working with a Customer Assistance SpecialistXXXX XXXXDirect Number XXXX ext. XXXXGeneral Number XXXX also, sent check to pay a payment a few months ago and Chase sent it back to us. I have connected via phone with XXXX and and she has informed me that they are not allowed to accept any more payments and the only option we have is to apply for Mortgage Assistance. 
I have also advised XXXX XXXX XXXX. we will only be corresponding with JPMorgan Chase Bank. I also, advised this firm to save this for their records in accordance with the Texas Fair Debt Collection Practices Act. 
The Attorney General in Texas has been suing companies for malpractice due to deceptive practices and the bank billing us for their attorney legal fees or alleged attorney department? Companies who claim to be a collector but misrepresent their firm as a " Law Firm '' who have made these same greeting statements when this was not the case at all. This is a Violation of Texas Deceptive Trade Practices, Consumer Practices Act, and The Texas Debt Collection Act. 
For my own protection to possible deceptive tactics. I have mailed a copy of this letter from XXXX XXXX sent to me and the XXXX they sent to my wife XXXX to the office of The Texas Attorney General to make them aware of their communication. These precautions are necessary
Consumer complaint received 2015-03-29
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Due to identity theft, I chose debt consolidation over bankruptcy. Capital One account identified on credit reports as XXXX was XXXX of the accounts I have been attempting to resolve via XXXX XXXX XXXX XXXX for more than 22 months. To date XXXX XXXX has satisfactorily closed/resolved every account that accepted out attempts at resolution. Capital One has refused all our attempts to resolve this issue. While we are still negotiating in good faith, they have reported my account as bad debt, placed for collection, and skip, adversely affecting my credit rating.
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

Chervon Gas company is use unfair practices in an attempt to get consumers to pay more money on there bill. They are charging {$35.00} late fees even if the customer pays the bill on time. They rise the minimum monthly payment balance at will to get more money while charging higher interest on the minimum payments. They also are reporting consumers to the credit bureaus even when continued payments are being made. Please look into these gas companies
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OR)

Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my XXXX credit reports to the correct dates. 
Sincerely, XXXX XXXX