davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MO)

This is regarding OCWEN. In the last couple of years, I was granted a loan modification due to less income in the home because of my divorce. I passed the three month trial period, and OCWEN instructed me to wait for my new contract to sign. I was told everything was good to go. I waited and waited. The new agreement never came. I spoke with so many people regarding where this agreement would be. My " relationship manager '' informed me it got lost in the shuffle due to OCWEN changing hands, etc. Him, and also HIS manager, informed me it was coming, and do not make any payments until it is signed. It still never came. The next letter I received from OCWEN stated they were foreclosing on me because of this. Again, OCWEN would still not accept any mortgage payments from me! I spoke with a couple people that work in the escalations department, many " relationship managers '', and my attorney has even spoke to many people there to help me with this situation. It now appears that I have not made my mortgage payment for quite some time. My attorney spoke with someone there, who looked at my past situation and admitted that OCWEN had indeed made the mistake. She told me to fill out modification paperwork and this would all be taken care of. That OCWEN would figure a way to add my missed payments to the end of my loan or make higher monthly payments to make up for what I have missed, since this was the fault of OCWEN. Finally, I thought this was all getting resolved. However, you guys stated I do not make enough money in the declination letter. My attorney even verified I make enough to keep this house and enough to continue making mortgage payments on my home. I am a single mother with a good paying job and I want to keep my house. I honestly feel this was not my fault. OCWEN even admits it was their mistake. No one will work with me or even my attorney. I am terrified.
Consumer complaint received 2015-06-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Loan sold from XXXX XXXX XXXX to " Carrington. '' Within 2 months of sale, escrow payment skyrockets. As apparently as it was explained to me by " Carrington '' XXXX XXXX XXXX did not require a " 2 month cushion '' in my escrow, but " Carrington '' does. Therefore, my escrow skyrocketed. I had no say in this, no warning, no nothing. But a {$140.00} increase in my monthly payment 2 months after being sold to " Carrington ''. They waited 2 months to hit me with the bad news. They say to pay off my " 2 month cushion '', I need to pay them nearly {$3000.00}. What " Carrington '' has done is INCREASE MY MONTHLY PAYMENT FOREVER by adding " their own '' requirement that has nothing to do with my loan. I was NEVER given the opportunity to ask questions, to understand this would be coming, to shop around for a different mortgage holder -- nothing. My loan was simply sold and my escrow skyrocketed. What other new amount will " Carrington '' add to my loan WITHOUT NOTIFYING ME? When will " Carrington '' mandate that I have to have a " XXXX '' cushion?
Consumer complaint received 2015-05-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My house is in foreclosure : I 've applied to do a short sale & have been ignored-now I 'm getting notices from the local sheriff 's dept.I was informed I could do a short sale : I started the preliminary process but, as per usual with BOA , the CSM changed & did not call.I called the numbers I had but my account was not in that dept. & I was n't given the option of speaking to anyone or leaving a message.Im frustrated & extremely stressed.Ive tried, to no avail, to get a loan modification.Now, I 'm just trying to do the right thing by selling the property, so BOA gets their miney & I can start over with my sanity intact
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Hi, I have been paying for 8 years and 11 months on my XXXX and XXXX mortgage with no payment issues. My credit is flawless. I just became aware that my XXXX mortgage is going to adjust after 10 years and this will cause XXXX payment to go from {$1400.00} to nearly {$3800.00}. My XXXX also has a balloon that will come due in 5 years although the note has no term defined in the signed note. The combined mortgage payment will far exceed my ability to make payments. I reached out to Wells Fargo, ( my XXXX mortgage ) today and they can not do anything proactively to adjust my loan. My intention is to not have any lates or payment issues. I have an excellent job and am planning to live in my home with my wife and XXXX kids well past when they move out. I am open to look at financing and re-structure but it appears this can not happen until after is adjusts or I start missing payments. My equity position is far under water. Details : First mortgage XXXX owed Second mortgage : XXXX owed Approx value of property : XXXX Any help would be greatly appreciated!
Consumer complaint received 2015-05-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX and TransUnion refuse to remove adverse accounts that have been " closed '' from my credit report. XXXX has verified that these reported adverse account are no longer valid. Accordingly, these adverse accounts were removed from the XXXX Credit Report. However, the collection agencies and the aforementioned Credit Bureaus refuse to accept the XXXX investigation hard copy dispute results as proof of their findings. I have written and spoken with the reporting collection agency, XXXX and TransUnion and they were all very critical about XXXX i.e., " We do n't recognize or go by what XXXX reports, we use our own methods of disputes ''. Note : How is it that the XXXX investigated results received from the same reporting debt collection agency handling all the same accounts in question, not be accepted by XXXX and TransUnion???
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Trans Union is reporting me as an " Authorized User '' on an adverse account of XXXX XXXX XXXX Credit Card. I do not wish to be an authorized user on this account nor associated with the person who owns this account. Please delete this trade line from my credit file as an Authorized User.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

Experian has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than XXXX occasions and they keep me on hold for long times and eventually the call is disconnected. When I asked a representative to give me a direct number to call the dispute department because I keep getting disconnected after long hold times he stated " we do not have a direct dispute number. '' I was told that I just have to call the general number and be transfered. I have yet to have a single successful transfer. When trying to file an online dispute they have a XXXX word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

I have XXXX inquires on my Equifax Credit file that are older than XXXX months. For some reason, Equifax appears to have forgotton that inquries are only allowed to stay on credit files for XXXX month. The XXXX entries are : Quality Leads XXXX/XXXX/2013 and XXXX XXXX XXXX/XXXX/2013. When I last requested they be removed per Fair Credit Reporting Rules regulations, their response was the auto reply of : Response*Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. '' Both should be removed. I are not required to send additonal information for removal. XXXX months has passed. Consumer abuse such as thiis is a great example on why the Consumer Financial Protection Bureau was created.
Consumer complaint received 2015-05-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (FL)

we applied on line for a loan with a company called community choice financial, they said we were approved, so the XXXX thing they wanted us to do is open up a checking account with XXXX bank, because that 's the only bank they deal with, also XXXX we opened up account to call them back, so we opened up account, called back they, then they said to go back to bank they would deposit XXXX dollars out of the XXXX we were getting, with draw the XXXX go to a money gram place and they would tell me where to send it, I ask them why pull out then send it back, they said it shows them good faith on paying back the XXXX dollars XXXX many red flags ). they were suppose to be in XXXX but the address on the application is XXXX, so we web searched the XXXX address got a number called, explained to them why we called they said never heard of them XXXX red flag again XXXX and then we contacted you. also they would not give me a lic. #. thank you
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP (SC)

On XX/XX/2015 I received a phone call from XXXX regarding my monthly payment due to Republic Finance.  I explained to her that I would be in on the XXXX which I always pay at the end of the month.  She called me on XX/XX/2015 again which is a violation of my consumer rights due to the fact that we had discussed the arrangement on the XXXX.  With that being said, her call on the XXXX is considered harassment being that she should not have contacted me again for XXXX hours.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

This is an amendment to complaint # XXXX I did not list the inquiries to be blocked : I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX , Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

These are the inquiries that must be blocked within 4 business days : 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 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

PNC Mortgage # XXXX Please understand, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 

We applied for a short sale in XXXX XXXX. It was conditionally approved with a list price of $ XXXX. We then obtained a buyer for that full list price and moved out of the home. All of a sudden, in XXXX we were sent a modification offer, no response on the short sale application. We were told ( through our realtor ) to submit a new letter of intent to PNC Underwriter for the short sale and was told to wait 30-45 days for the bank to convert the system back to a short sale template. That brought us all the way into XXXX XXXX. Then the last week in XXXX, we were sent a denial for all options including mod and short sale. A few days later we were sent a HAMP mod offer again???? Within that same letter it states approved for XXXX ( page XXXX ) and denied for HAMP ( page XXXX ). Which is it?. Besides we applied for a short sale not retention. We moved out of the home in XXXX to accommodate the short sale based on the first condition approval. We are still carrying costs for the subject property and now expenses/mortgage for our current residence. I know those new expenses were not accounted for in our review. Nor do I believe the investor was made to understand that any rental income amount in the subject propertly will never offset the proposed modified payment. 
Our potential buyer is going to request us to cancel the contract and return earnest funds if we do not have a resolution shortly. I do not see any reason this short sale can not move forward and close asap however I can not contact PNC or receive any responses directly and the firm takes a minimum 2-3 weeks to review the status with the client each time. 
Again, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 
Please assist. 
Thank you
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (CA)

I received a phone call earlier today at my work from a debt collector named XXXX XXXX # XXXX saying I have an old debt From XXXX. She called my work and asked to speak with me and my boss said he did n't want anymore calls coming to the office. Please help me get the collection calls to stop Because it should n't effect my work and it does not look good for me as an employee. Thank you.
Consumer complaint received 2015-12-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suburban Credit Corporation (VA)

Me and my girlfriend are in the process of buying a house. I noticed on my credit report that there was a debt for XXXX dollars from 2010 from Suburban credit corporation. I tried having this debt removed for years but they refused, so I just gave up trying. My girlfriend called ( which I 'm not sure is even legal, without getting permission from me ) to have this debt removed, they stated to her " you have XXXX debts, XXXX for XXXX to XXXX and XXXX to XXXX @ XXXX XXXX. My girlfriend stated " that this debt is not ours but she will pay it so it can be removed off my credit report '', they stated they " would remove the debt that is not mine if she paid the balance ''. So she did, they sent us a reciept, and we waited for it to be removed. 
In the process of waiting, 10 days go by and we received another bill from the same company stating we owe MORE money, now we owe XXXX to XXXX, XXXX XXXX, and XXXX XXXX. I thought it was a mistake. So she calls them and they explain they were very exact with the " wording '' of what they were stating, they stated 'they only told us what we owed on the credit report not the total we owed, and they never said they would remove it, we just asked if they could, and they said yes, they would take care of it '', they took care of it by marking it paid and thats not what they explained at all. and then they threatened to put the new debt collections on the credit report if we did not pay them. Which is not mine to begin with I know that debts are to come off after 7 years and unless they were removed, there would be no point in paying Suburban credit and re-ging the debt that is not mine in the first place, when clearly it has to come off in 1 year anyway, and clearly my girlfriend did not know this, she thought she was doing the right thing. 
I dont know if this is legal or not but I know that we were lied to and then they threaten us with another debt so they can make more money off the people you clearly lied to is not right, and I plan on taking them to court over this matter.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2024-10-02
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

BANK OF AMERICA AND XXXX SAID MY XXXX XXXX EXPIRED YESTERDAY. I HAVE PROOF OF CALLING FOR PAST TWO WEEKS SYSTEM KEPT REJECTING MY XXXXXXXX XXXX
Consumer complaint received 2016-01-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

SYNDICATED OFFICE SYSTEMS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SYNDICATED OFFICE SYSTEMS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNDICATED OFFICE SYSTEMSor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is holding {$12.00} XXXX attachment ) as Bank of America XXXX damaged my home. XXXX XXXX attachment ) roof, broke my front door down. I made a claim with my homeowners insurance company, Bank of America told me that they will foreclose on my house instead of releasing the funds owed to me. The police investigated the Bank of America XXXX damages and break in : The XXXX incident number ( XXXX ) was generated when XXXX of our officers responded to your property when a neighbor reported a suspicious person walking around the residence. 
The XXXX incident number ( XXXX ) was generated by XXXX XXXX at the time you spoke with him about the Bank of America XXXX XXXX burglary.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lake Area Collections, LLC (LA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!