davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

We have been processing a short sale application with Ocwen Loan Servicing since XX/XX/2016. The borrowers were approved for participation in the HAFA short sale program. Ocwen delayed the file, requesting the same documents again & again, and we did n't even see an approval on the purchase offer until XX/XX/2016. By that time, the buyer had walked because property values in the area dropped significantly due to a drastic increase in inventory, combined with the deteriorating condition of the home and having had to wait so long just for a decision. We then submitted a new offer for {$28000.00} less on XX/XX/2016, with all current documents. Ocwen 's valuation of the property came in at the same amount of the offer so everything was looking like it could move forward. However, Ocwen is now saying that the application deadline for HAFA was XX/XX/2016 and they did n't have all of the documents on file so the borrowers are no longer eligible. This derails the entire transaction because their in-house short sale program does not allow nearly enough money towards the junior lienholders, and it removes any/all relocation assistance to the borrowers. I would also like to mention that the only document Ocwen did not have, according to them, was an unpaid principle balance statement from the 2nd lienholder. They had several copies of this document throughout the process since it 's conception in XX/XX/2016 and we had to get special approval on the document because of how the collections company was required to issue the statement. Basically we went through all of their hoops to get the first HAFA approval, which took a total of 6 months to be approved, and now they are saying the homeowners did not submit the application in time for the new offer. In addition, the makinghomeaffordable.gov website states that the application deadline is XX/XX/2016, not XX/XX/2016 as Ocwen is stating. This would give the borrowers more time to submit whatever Ocwen claims is missing from the file. The borrowers have done everything they needed to in order to complete Ocwen 's ridiculous process, and now that they have another viable offer, which Ocwen has had in review for over 2 months already!, Ocwen says they can not participate. I would also like to stress the fact that the borrowers already had a HAFA short sale approved just 2 months ago as well so it makes no logical sense that they now do not qualify.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my life together for me and my family. Please review all of the documents removed the accounts that are listed
Consumer complaint received 2024-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have repeatedly asked you to verify and validate this account. Your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation : '' Date of Last Delinquency '' is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Also XXXX has deleted this account from my credit report XX/XX/XXXX - XX/XX/XXXX, I need this to be honored across all credit bureaus Account Name : XXXX Account # : XXXX
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

I am still waiting for a response from Ocwen. Case # XXXX. My first letter was XX/XX/2016. Ocwen responded with nothing more than a copy of my modification. That was n't what I asked for. I sent a follow up letter XX/XX/2016 and have not heard anything. I want an accounting of the numbers used in my modification and if Ocwen is not hiding anything, why wo n't they provide it. I work for XXXX Mortgage and the numbers I am referring to are in the modification waterfall. I provided them in my original letter. Further, when you apply for and are approved for a modification, is the Lender supposed to provide the numbers prior to your acceptance?? They did not. What about the Reg. Z and Reg. X with regard to modifications. Also, I was told the modification was a fixed loan and turns out it is an adjustable. Does the lender not have to provide that information when they are doing a modification? Please respond and have Ocwen provide the calculations used in the modification. 
Thank you, XXXX
Consumer complaint received 2024-09-03
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. (AL)

XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$490.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$830.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$460.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$130.00}. I HAVE NO CONTRACTS WITH THESE COMPANIES AND THEY HAVE AFFECTED MY CREDIT SEVERELY. I WOULD LIKE THEM REMOVED IMMEDIATELY.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed. 


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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


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


Delete the late payments from my consumer reports
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I received a letter dated XXXX XXXX, XXXX from Ocwen Loan Services , LLC ( Unique ID No. XXXX ) asking to provide proof of homeowners insurance on a property I purchased in XX/XX/XXXX. Ocwen owns my mortgage since XX/XX/XXXX or XX/XX/XXXX. The property located in Florida is a townhome in a condominium. We 've always had condo insurance which is responsible for any damage up to " unfinished walls '' meaning that kitchen and bathroom cabinets, wall finishing, flooring, stairs, etc. are not covered. Since XX/XX/XXXX the certificate of insurance issued by the condo association insurance company was enough for the different owners of my mortgage including Ocwen in the last XXXX years. I called the condo insurance company asking to submit to Ocwen the XX/XX/XXXX-XX/XX/XXXX certificate. When I called Ocwen last week to check if they had received the certificate, Ocwen confirmed that they had but that they were asking for additional insurance to cover any additional cost finishing the walls, etc. I asked them to explain why Ocwen had decided to start requesting for additional insurance when for many years the certificate of insurance from the condo association was enough. I was left waiting for a supervisor for more than XXXX minutes until the representative got back to the phone to tell me that someone will call me later. This new requirement is an additional financial burden placed upon me despite the fact that I have never being late with my mortgage payment even when my property was under water. 
My questions to you are the following : 1 ) Can Ocwen decide to up the insurance requirement from what has been sufficient for many years without a new law backing their decision? 
2 ) Can Ocwen purchase this additional insurance without given me enough time to inquiry about the validity of their request? 
I thank you in advance your kind attention to this complaint and prompt response. 
XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXX {$6100.00} -XXXX XXXX XXXX {$3100.00} -XXXX XXXX XXXX XXXX XXXX {$690.00}
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit cards below have a zero balance yet my credit reports are showing a balance. The accounts below are wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX$3000.00} out of {$3700.00} 80 % XXXX XXXX XXXX {$1300.00} out of {$1900.00} 71 % XXXX XXXX {$200.00} out of {$300.00} 69 % XXXX XXXX XXXX {$470.00} out of {$800.00} 59 % XXXX XXXX {$4800.00} out of {$8300.00} 59 % XXXX XXXX XXXX {$2600.00} out of {$5000.00} 52 % XXXX {$1100.00} out of {$2800.00} 39 % XXXX XXXX {$280.00} out of {$900.00} 32 % XXXX XXXX XXXX XXXX {$430.00} out of {$1400.00} 31 % XXXX  {$310.00} out of {$1200.00} 27 %
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have repeatedly requested a loan modification and I am being denied twice. I have appealed the last denial but have not received any response to my appeal. I have a foreclosure sale scheduled for XX/XX/2016 so time is very important. I feel Wells Fargo is not being helpful and seeking to time me out as they have a horrible history of doing. 

I am requesting a new loan modification review and a new pay off statement.
Consumer complaint received 2017-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FC HoldCo LLC (NC)

Flagship Credit started recently started reporting a collection account on my credit report. Prior to this account appearing on my credit report, I never received a notice of my right to dispute this account. By failing to provide the notice of right to dispute, prior to reporting this account on my credit report, Flagship Credit has violated my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

From inception I/we declare our intent that all transactions are redeemed in lawful money. The FDIC amount has never reflected to ensure that consumer account would be properly funded as a result we faced an injury due to negligence that lead to returned checks and a disconnection of my light services. This is a billing error resolution dispute pursuant to the truth in lending act. A reflection on or with a periodic statement for an extension of credit, being held by a third party intermediary, has not been made to the consumer, nor reflected on the periodic statement for the account which the extension of credit was created. Consumer asserts rights as account owner, which is verified by the attached documentation, evidencing authority to use the consumer 's credit card or open-end credit plan.
Consumer complaint received 2024-09-03
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

The AMCA ( American Medical Collection Agency ) are trying to collect a debt for {$960.00} that is not mine. The first letter I received from them was on XXXX, then XXXX on XXXX and this XXXX XXXX on XXXX and now dated XXXX on their letter. This last letter is written in a threatening tone. I responded on the same letters they sent me on XXXX, XXXX, XXXX and mailed the response the same day explaining in very courteous form that they billed me in error, the same on XXXX and now again on XXXX. The letter they sent on XXXX I faxed to my doctor as % his request. I explained on the other letters to AMCA the DEBT IS NOT mine and that I am XXXX and on food stamps as well. I HAVE XXXX. and these threatening in tone communications are exacerbating all my symptoms. They stated in this last letter that I had not disputed the debt ; a blatant lie on their end as I have responded in written form 3 times and I keep copies of everything!!! They have attempted this in the past as well with a much smaller debt. That ended in XX/XX/XXXX but went on for 2 years prior to that as well. Is this company is preying on me because I am XXXX??? Please help me as best you can.
Consumer complaint received 2016-10-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (FL)

Multiple calls says it 's in regards to a " financial matter '' Message says that it is for XXXX ( XXXX ) not my last name " XXXX '' When I attempted to call the number XXXX to have me removed from their call list I reach a voice prompted dead end. 
the call is from XXXX reference # XXXX my phone number is XXXX
Consumer complaint received 2016-05-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TN)

On Thursday XX/XX/XXXX2016 I had a vehicle repossessed the loan holder is Wells Fargo Dealer Services in California. I paid all the fees that needed to be paid on XX/XX/XXXX2016 by XXXX XXXX. We drove over an hour to pick up the vehicle. Then today XXXX2016 the repossessed the same vehicle again. To me this is unexceptionable. Mistakes may happen, but this is a huge over site. Wells Fargo needs to do a better job. We had to wait 4 hours on XX/XX/XXXX2016 after we paid the fees before they released it, now tell me why did I have to wait so long but Wells Fargo ca n't get their system straight.
Consumer complaint received 2016-11-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: NAVY FEDERAL CREDIT UNION (GA)

I attended University XXXX and used my XXXX GI Bill. When the money ran out I took out a personal loan so that I could complete the degree plan. When I enrolled in the XXXX XXXX Program I was made to believe that the majority of my classes from my XXXX in XXXX XXXX would be accepted. I made a spread sheet and compared the XXXX Texas classes with XXXX to show where they were identical and none of them were accepted. I was on a time constraint and trying to move upward in my career so I maintained enrollment until I completed the program. As I attended the classes I confirmed that they were all the same as the ones I completed through XXXX Texas XXXX that University XXXX was claiming to be higher series than the XXXX XXXX level
Consumer complaint received 2024-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 :
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northeast Collection Bureau (CA)

Someone named XXXX XXXX calling from XXXX has called me and family members. This person is very aggressive in tone. He has left threatening messages. I have no idea why this person is calling me, and more importantly he and this company are not following the Fair Debt Collection Practices Act. The first couple of times he called he did not leave identifiable company information. He calls after hours, and he calls family members, and friends. I have tried repeatedly to contact this individual/company, and I only reach an unidentifiable voice mail box. The number they call from and leave for me to call back is XXXX XXXX.
Consumer complaint received 2016-06-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Security Credit Services, LLC (OR)

I have I put forth good faith effort to contact this XXXX, XXXX and Security Credit Services who XXXX, XXXX says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from XXXX XXXX.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is reporting my XXXX student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus ( including TransUnion ) and it was corrected and updated. On XXXX/XXXX/16 I reviewed my credit report and noticed TransUnion had re-reported XXXX of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, TransUnion has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX