davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

On XX/XX/XXXX my father in law passed away, leaving his home to his daughter, my wife, XXXX XXXX XXXX. we have been working with our attorney, estate attorney, about giving the house back to the lender, Select Portfolio Services, which was serviced by XXXX XXXX XXXX, XXXX, with no results. 

as of XX/XX/XXXX there has been no filing of public record, as far as foreclosure, since the mortgage hasnt been paid since the death of XXXX XXXX, father in law. 

We ( XXXX and myself ) went to the property, yesterday, XX/XX/XXXX to finish clearing out the property and cut the yard and noticed the locks had been changed and a lock box placed on the front door with a notice from XXXX XXXX, stating the lender had requested them to secure the property. 
after obtaining entry to the property, we also noticed personal belongings had been removed from the property and the property had been " trashed '' inside, as if who changed the locks had been looking for valuables. 
we contacted the XXXX XXXX police, in which they filed a criminal complaint for Breaking and entering. when XXXX XXXX was notified, all they would say is the lender ( Select Portfolio Services ) had given them authorization to enter the property and secure the property. 

this is a violation of our rights, seeing the lender has not filed any type of foreclosure paperwork. 

we are requesting the CFPB get involved so this will not occur again.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NE)

I had a XXXX dollar bill on credit. I thought I paid it off and received a {$35.00} service charge. I paid the service charge but evidently it was a late payment so I was assessed another service charge. I thought I had the bill paid off. As of today I paid the {$110.00} dollars of service charges and late fees on my original {$2.00}. I tried to work with Home Depot Credit Services but they would not negotiate the fees. I canceled the card and have decided to never use Home Depot again.
Consumer complaint received 2015-05-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

My name is XXXX XXXX. It has been more than a month since I talked to XXXX XXXX in a recorded line to process a loan modification.with Wells Fargo Bank. The last XXXX pieces of documents needed were a letter of employment in Georgia and a statement describing the status of the house in XX/XX/XXXX. Last week, I have submitted all the requested documents for the modification. On XXXX XXXX, I received a phone call from Wells Fargo Home Preservation Team requesting a new set of documents because XXXX XXXX, my contact person had moved to another department. XXXX XXXX, the person who initiated the call told me that I needed to send new documents to XXXX XXXX, my new contact person. The previous documents are no longer available. I could nod believe it. This is not the first time that I have submitted documents after documents with no modification. I was told that my house is not on sale, but XXXX confirmed that the house will be sold on XX/XX/XXXX. The fact that the documents are in the process, and there should not be a sale. My frustration with everything is there is nobody in charge. .I have been trying for so long to work with this bank with no result. This is a policy that big banks, like Wells Fargo have been implemented to deprive minorities of home ownership. They have succeeded because there is no oversight or check and balance..
Consumer complaint received 2015-05-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Collection Services, Inc. (OH)

I habe received numerous letters from a collection agency regarding a XXXX bill that I do not owe. I replied several times including copies of bills that show there is a XXXX balance, but I continually receive letters that they checked on this and that I still owe this bill. I have now wasted so much of my time speaking to both the billing office at the doctors office and speaking to this debt collector and writing letters that it has become ridiculous. It is not the money but the principal of the matter that I should have to pay a bill I do not owe. Also I am worried about my credit, which I am trying to reestablish after a bad credit history due to a criminal act. Please help me with this.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

I received a letter from US Office of Personnel Management stating I was a target of malicious cyber intrusion, therefore qualify for credit and identity monitoring services. 
I went to there website XXXX provided by ID Expert. I pulled up the XXXX credit bureaus report and noticed Equifax was once again reporting inaccurate information in regards to my credit to debit ratio. As of XXXX/XXXX/15 Equifax is reporting my revolving credit usage at 74 % which is inaccurate my revolving credit usage is currently at 50 %. Equifax is refusing to provide an explanation in regards to how they are coming up with 74 %. Both XXXX and XXXX XXXX are showing the correct figure 50 %. Equifax is showing my revolving credit limit at {$15000.00}, the correct revolving credit limit is {$22000.00}. 
Due to my race XXXX XXXX Equifax is purposely lowering my credit score by not reporting the correct credit to debit ratios. I have filed numerous complaints with your organization against Equifax in regards to this practice and to date CFPB is refusing to take action on behalf of the consumer and provide protection against Equifax discriminatory practices of intentionally lowering the credit scores of XXXX XXXX. 
Therefore, I will also have to file a complaint with the White House in regards to CFPB refusal to provide assistance to stop this practice.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AR)

A hard inquire was made to equifax from a company called XXXX I disputed. equifax states that the information is correct and advises me to contact XXXX office to get more information .I contacted XXXX ( AKA ) XXXX they advised they had no record of the inquire and refuses to send me a letter of proof that i in fact did not authorize or request this inquiry.
Consumer complaint received 2015-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: The CMI Group, Inc. (MD)

I received a phone call on XXXX/XXXX/2015 about a balance of n XXXX dollars that I owe from a Company by the name of XXXX XXXX ( cable service ) Acct # XXXX and I never lived at the address that was told to me and was told that the service was disconnected on XXXX/XXXX/2015. I 've never lived in that area before and now I live in the state of XXXX, but have lived in XXXX, but not XXXX where the cable business is located. I want to report this soIwant be responsible for something thats not me and someone has used my information without my knowledge.
Consumer complaint received 2015-05-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

GreenTree has a cease notice on file. This as the result of a previous complaint with the CFPB in addition to documented fax over a year ago. I am attaching a copy of a call log from my office. Please be advised that these calls are to my office line. When I asked XXXX to remove the number as we have a cease on the account she declined. Simply stating that she has to have a number on it. Our mortgage is not even 30 days late and I received a call daily along with a message on my main office line for employees to hear. XXXX filed a cease notice and we should not be getting any phone callsCalling my office- main number and leaving voicemail messages.. when there is a cease on the account is unacceptable. What is even more offensive is the fact that there was a voicemail messages for my employees to hear. I saved the voicemail message. Please be advised proof of the calls is attached to this document. The calls from XXXX are from Green Tree.
Consumer complaint received 2015-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

I keep having issues when trying to apply for things because they say my name and address dont match, or my name and social security number dont match. I tried online to fix this with Equifax and they dont allow me access and I cant get someone on the phone. They asked me to fax documents to a number which I did and still nothing has been updated. 
This is causing me alot of problems getting credit because people think that Im a fraud and Im trying to get a home equity loan now. I really need this fixed. I moved and bought a home in XXXX. I changed my address with the XXXX and the postal service so I dont know what the issue is?
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Someone used my information to open accounts without my authorization 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 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 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 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 2015-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

I was sent a mortgage modification from my mortgage company " Ocwen '', I filled out no paper work it was just sent to me. So I decided to take advantage and started the trail payments. I finished the trail payments which I set up on their website to be automatically taken from a bank account, so that I would not be late. I noticed the payments had stopped and asked my mortgage counselor why. I was told they would resume once the mortgage modification was approved. So I left enough money in that account to make the first payment. We are on a very tight budget and owe money to other debtors as well. So every extra dollar we use to try and pay off a debt. I asked the counselor do I have to do anything or change any information. I was told no they had my bank info and the payments would continue to come out automatically. The modification was approved XXXX months later and I was told I had to send in XXXX payments. I told them I did n't have XXXX payments I thought they would take the payment I left in the account when it was approved and I would add another. I was told at this point it was my fault and responsibility to keep paying. I argued I was miss informed could they please help me there is no way I can send XXXX dollars. Please add the payments to the end or can we stretch them out over XXXX years seeing I was having a hard time with the payment before the modification, how would I now be able to pay a higher payment if I could n't before the modification? I was angry and they were very demeaning telling me as a homeowner I should know better. I said to them why did you stop my auto pay they had no answer it my responsibility. I again explained I trusted their direction and now they will kick me and my wife and kids out on the street if I do n't give them at least XXXX and they will set up a payment plan for the rest. I don ; t know what to do I don ; t want to be homeless, we have lived here for almost XXXX years. Please help they seem to do and say what ever they want.
Consumer complaint received 2015-05-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FORD MOTOR CREDIT CO. (OR)

my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Paid OCWEN mortgage payments based on last statement received ( and on website ) XX/XX/XXXX stating the XX/XX/XXXX payment due. Payments commenced on XX/XX/XXXX, with a total of XXXX payments made. Now we are getting generic statements saying we owe differing amounts every month. Yet the website states we owe for the XX/XX/XXXX payment and are in the arears for {$9900.00}. Monthly payment is {$870.00}. Even if I am behind, since XX/XX/XXXX which I do n't believe I am the total past due is {$3500.00}. This is a far cry from {$9900.00} they say I 'm in arrears. Also sent a RESPA request to OCWEN in XX/XX/XXXX, certified letter, with a signed receipt and still have not heard from OCWEN. 
Looking at their accounting of our payments, it shows reversed payments, the suspense payments being made. When calls are placed to customer service dept, you never get the same answer twice from OCWEN.
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2015-05-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

Recently, I discovered that Navient, who absorbed my loans from XXXX XXXX, has my monthly payment amount hidden away as a different amount than agreed to through XXXX XXXX in XXXX of last year. I agreed to pay {$610.00} per month, and they have the amount documented as {$640.00}. 

There are a few problems that I have with this:XXXX. I was under the impression that when my loans transferred to Navient they would stay the same, or I would be notified of any impending changes. 
XXXX. I was never notified of the change to a new payment amount. 
XXXX. I never received a new agreement letter from Navient. My cosigners did, however, it does not indicate what amount is due per month. In addition, the letters do not even accurately describe the loan amt between my mother, father and loan number, and sound as though my parents signed an agreement on a new loan. I never received a document stating I had taken new loans through Navient or anything of the like. 
XXXX. I did n't notice the difference previously through late fees or penalties, because I over pay every month. 
XXXX. XXXX XXXX REQUIRED that I sign up for automatic withdrawal for this " payment plan. '' That payment is set to come out every month, on the XXXX, at {$610.00}. Navient has continued to take out {$610.00} per month, another reason why I was unaware of the change. 
XXXX. If I did n't over pay, they would be automatically taking out an amount less than what they indicate my payment is. What would that be doing to my balance and interest? Does this currently have a negative effect on my balance? 
XXXX. I had to hunt for this information. My billing statements never indicate what amount is due per month, which always leads me to question if they 're actually applying the payments to the current month, or considering it a payment into the month ahead - a topic addressed in previous CFPB complaints about Navient 's predecessor, XXXX XXXX. 
XXXX. I also discovered that I no longer have access to my previous XXXX XXXX documentation. I requested information on how to access previous correspondence and have received no reply. 

I have supporting documentation to provide.
Consumer complaint received 2016-02-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (MI)

I 've had a Direct Express Debit ( MC ) Card for 2 1/2 years ( only VA & SS benefits can be deposited on this card ). On XXXX XXXX, XXXX, my card was hacked and {$1000.00} was removed. I informed the card Fraud Div. of this on XXXX XXXX, XXXX, immediately after learning of this incident. And, I immediately returned the fraud papers ( the same day ), they sent to me to fill out. I was told ( via phone call ), they would deposit the lost money to my card upon receiving my returned fraud papers, which happened many weeks ago. To date ( XX/XX/XXXX ), the money has not been returned to my account.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX xxxxxxxxxxxx XXXX XXXX XXXXXXXX XXXX XXXX  : # xxxxxxxxxxxx XXXX XXXX : # xxxxxxxxxxxx XXXX XXXX XXXX XXXX : # xxxxxxxxxxxxxxxx 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 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 S.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating XXXX a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have bogus charges from XXXX. These charges are illegal. They are not even allowed to do business in the United States or with any U.S. citizen. They 've asked me for a fraud statement and I sent it in TWICE! They claimed they never received it and recharged my account {$11000.00} in bogus charges. I 've given them all the info they requested. I am not paying for these charges.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CO)

I disputed an account on my XXXX and Equifax credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a second time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.
Consumer complaint received 2016-01-26
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have been trying to get this debt resolved for over a year. When you call Portfolio Recovery Associates the Representatives mis represent themselves as being in the " Litigation Department '' as an Attorney, continually mis-represent not receiving my written dispute, transfer me to Managers that are not managers, tell me to call a Department that does not exist, tell me that a Vice President will call to resolve, without getting a call. 

They tell me that I am on a " reordered '' line and when I tell them that I am going to " record '' the call they wo n't speak to me. Today I spoke with no less then XXXX representatives and each lied in a different way.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

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 3 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. 
Here is a list of the Companies and dates of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX