davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
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)

XXXX XXXX XXXX Opened XX/XX/year> {$23000.00} My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on all credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Items were deleted and put back on my credit account As I mentioned above I will like the actual steps you have taken to investigate this matter as well as the proof you received from the company if such investigation did not exist I will sue for monetary compensation I ask for immediate deletion Respectfully XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-27
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA (OH)

There are several accounts reported on my credit report that I have disputed due to inaccuracy and failure to validate this debt as I requested. I contacted this company and requested them to validate their claim as well as the information I know to be incorrect that they are reporting on my credit files. The phone number listed on this account is invalid, and there is no way to contact them. This account was opened in 2007, and should not be listed on my account as a negative account with inaccurate information. They are continuously reported my accounts as bankruptcy when these accounts are not in bankruptcy. All of my loans have been consolidated with another lender. Being that they are not able to validate their claim or their information or given me the opportunity to dispute their claim is a violation of Federal Law
Consumer complaint received 2016-02-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

SPS sent a letter dated XXXX XXXX, 2016 regarding insurance coverage on my residential property. In the letter SPS indicates it is the mortgage servicer on a certain account number. It is hereby noted that the account has no relevance to us or to our property. There is no signed contract or agreement or any relationship between us and SPS. We have written to both SPS and CFPB about SPS 's absence of authority. SPS has admitted in prior communications that it is NOT the servicer of this account or any account in connection with us or our property ; that SPS has made contractual arrangements with third parties for SPS 's own profit ; that SPS has harassed us ; that SPS has not proved and is unable to prove that we owe any debt. Without proof of specific legal relationship, SPS is an illegal, unlawful " interloper '', without any rights whatsoever. SPS has no authority to " urge '' contact with our insurance agent to advise that the policy should be billed to Select Portfolio Servicing, or to include them as " Standard Mortgagee '', or " ITS SUCCESSORS AND OR ASSIGNS ''. Therefore we ask AGAIN that SPS CEASE and DESIST communication and DELETE this account.
Consumer complaint received 2024-11-22
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2015-05-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO. (CA)

I had XXXX credit card accounts with Chase banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, Chase bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for Chase bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.
Consumer complaint received 2015-06-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington Mortgage Services bought my mortgage from XXXX XXXX XXXX in XXXX 2015. Since then I have had nothing but trouble : I waited until almost XX/XX/XXXX to get any information on my account, they did n't honor my escrow decrease from XXXX XXXX XXXX, their escrow calculation resulted in a large jump in monthly payments which I requested to have spread over XXXX months and the representative never submitted my request. If I was n't so vigilant about my mortgage I could get really screwed.
Consumer complaint received 2015-05-31
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got a gift card from my employer but did n't have the activation code. When I called in to have it activated, the lady I spoke with asked me for a bunch of personal information, which is fine. But then she proceeded to ask for my XXXX, claiming she could n't activate the gift card without it. When I said I 've never had to provide my SSN before to activate a gift card, and that I 'm by comfortable with that, she then said she DID N'T need the SSN. This seems very suspicious.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I 'm stating this because I find it absurd that the limitation for debt forgiveness is under {$750000.00}. I 'm a widow whose late husband refinanced against my wishes and now I 'm responsible for debt over {$900000.00}. In negotiations with OneWest/IndyMac for a mortage restructuring, they received a desktop evaluation that my house is worth less than {$500000.00}. For that reason, I refused the terms of their modification contract. In said contract, they asked me to sign the statement " If, at any time, I can not afford to repay the entire amount of the loan, I agree OneWest/IndyMac can put a lien on any and all of my other assets. '' I refused to agree to that, and also can not accept a modification that 's equivalent to a sub-prime where the interest rate starts out low but increases every few years. I am now facing foreclosure so I would like to see if I can get an extension to the foreclosure date, which is now less than XXXX months, to give me time to find a place to live.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I dont understand why you keep tampering with my credit score. You correctly reported no data after XX/XX/XXXX which is when I closed my XXXX account identifier number XXXX after a dispute was opened on XX/XX/XXXX. My score went to 740. This was accurate. Then after I closed a different account XXXX account identifier number XXXX on XX/XX/XXXX you decreased my score by XXXX points to XXXX even though my average credit age increased because that account was only open XXXX mths, had only {$2000.00} of credit on it and was never used. Then you modified my actual dispute inaccurately which you had started reporting correctly and went back to reporting the XXXX account id number XXXX with data after XX/XX/XXXX even though I closed that account in XX/XX/XXXX and dropped my score an additional XXXX points to XXXX.
Consumer complaint received 2016-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc (NC)

I was having installment payments withdrawn from my banking account by the original creditor ( XXXX, XXXX. ) concerning debt in question. 
XXXX, XXXX. has unethically, unfairly, and fruadulently reported unwarranted debt information to Northlands Group Inc. concerning my account.
Consumer complaint received 2015-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (FL)

On XXXX XXXX, 2015 I was contacted via phone by a representative of Credit Management is regards to an unknown debt. I advised the telephone rep that I was unaware of the debt and asked that Credit Management send me verification of the debt and not contact me via phone as it was not convenient for me. The telephone call was the first and only contact to me by Credit Management. I was never sent anything in the mail as required by law with my right to dispute. I mailed a written request for validation on XXXX/XXXX/2015 ( sent certified mail with tracking number XXXX XXXX XXXX XXXX XXXX ). Within a few days Credit Management then start reporting the account on my credit report.The dispute letter was delivered on XXXX/XXXX/2015. To date I have not received a timely response from Credit Management regarding this debt nor have I received an initial correspondence indicating my right to dispute as required by law.
Consumer complaint received 2015-05-27
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (CO)

My ex-wife and I separated in XXXX. In the process, my mortgage loan was modified by GMAC beginning XXXX XXXX. Shortly afterward Ocwen Loan Servicing took over. 

My divorce was final in XXXX XXXX. The house stayed with me, my ex-wife signed and filed a Quit Claim for said property. 

In XXXX I began the process of attempting to have her name removed from the mortgage with Ocwen. Ocwen began " reviewing '' the assumption package XXXX XXXX, XXXX. 

I have continued to supply Ocwen with responses, paperwork, forms, documentation, and whatever else they requested since. I was traveling during XXXX of the times I was requested to provide documents and it took approximately XXXX weeks to honor that request, but most times I provided whatever information requested within XXXX days ; sometimes within hours. 

From approximately XXXX XXXX to XX/XX/XXXX, Ocwen had an " internal issue '' in their FHA underwriting department. This issue brought the entire assumption process to a halt. I find it difficult to believe that Ocwen could not or did not write a single FHA loan during that time. 

My income alone is higher than were mine and my ex-wife 's incomes combined when this loan was originated. My income is higher than it was when this assumption process was initiated nearly XXXX months ago. My debts are lower than they were when this loan was originated and they are lower than they were when this assumption was initiated - by nearly $ XXXX/month. 

I am, and have been, paying as agreed since the modification of this loan in XXXX XXXX. I have not been late. I have not missed a payment. I have paid at least the full amount and as a matter of fact have paid extra for several months. 

My ex-wife has grown impatient with this process and has filed contempt charges against me. Because of Ocwen 's failure to execute, I might very well incur legal problems. As a result, I have begun applying for another mortgage loan with another provider. If Ocwen continues to fail and I am required to obtain a loan with another provider, the terms of the loan will be different from my current mortgage. A new loan will cost me more money now as well as in the future. I was told at XXXX point in all of this mess, that if this assumption was " approved '' with Ocwen that the terms of the loan would not change. 

I am not applying for a loan ; I am only attempting to have my ex-wife 's name removed from the existing loan. She has signed and filed a Quit Claim. The XXXX XXXX XXXX, in the divorce proceedings, ordered that I be the sole owner of this property. My income is higher and my expenses are lower than when this process was initiated. Ocwen has been provided with all of this information, and more. Repeatedly. 

Some type of relief would be nice although I understand that might not be possible. If not for me, perhaps something can be done to prevent this type of unethical, frustrating, improper, incompetent behavior and/or activity from happening in the future.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

Case number : XXXX : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX Reply | To : Consumer Financial Protection Bureau XXXX XXXX ; XXXXXXXXXXXX & gt ; ; Tue XXXX/XXXX/2016 XXXX XXXX Good afternoon and now we have yet ANOTHER challenge in regard to the OCWEN error regarding the amount they WANTED as owed as to the amount they settled on a month ago. 
SO, I received all documents stating that the actual amount to be paid into ESCROW was still $ XXXX and, I 've already paid in {$1000.00} of it as they gave me NO OPTION FOR AN INCREASED PAYMENT for a year possibly, but we are taking care of it so by the time in XXXX the taxes are due again, the money will be paid in. AS OF THIS PAAST WEEKEND, I received a communication stating they noticed I was having a difficult time paying my mortgage and I HAVE NOT YET EVER MISSED A PAYMENT. Yesterday, I received XXXX notices of DEFAULT and STILL have not missed a payment as I continued paying the amount of the regular house payment owed as specified UNTIL THE ISSUE BECAME RESOLVED. THIS was my obligation until they resolved the error they had made. 
I do not want to be in fear of losing my home after all these years because of a mistake I DID NOT MAKE and Ocwen can not resolve. They did, as I said, give me an amount that was outstanding after they made all their adjustments from the near $ 30K originally stated and the approximately {$3400.00} that they are looking to be paid in however, no effort was made to contact ME since it was their error to have me perhaps pay in monthly as there was incidents where they have done that in the past if the amount was short for whatever reason. 
I have also contacted the Ombudsman office at Ocwen about the resolve and what I consider to be another gesture IN ERROR on their part since not many people can just " find '' {$3400.00} to plunk down for a mistake they did not make. 
Thanks again for your assistance and here is my account number with OCWEN XXXX. 
Money is, like I stated, being paid down from the $ XXXX they stated was the amount and {$1000.00} is already sent in and processed toward the total. Next amount would go to them on or near XXXX/XXXX/2016 and then the balance in a similar frame when income tax money arrives from tax return processing. 
Thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (ND)

I forwarded insurance proceeds from a barn fire ( total loss ) to Select Portfolio Servicing , Inc. because the check was made out to us and them. They were supposed to distribute the funds back to me in XXXX installments : 1 ) immediately for materials purchase ; 2 ) when inspection verifies project is half done ; and 3 ) when the project is complete. After XXXX months, I still do n't have a XXXX of my money. XXXX keeps coming up with forms I need to complete or processes they need to finish. The contractor will finish next week and I wo n't have even the XXXX installment to pay him.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

I submitted a complaint on XX/XX/XXXX regarding a recast from Ocwen Loan servicing. The case # is XXXX. I received the modification agreement on XXXX XXXX, 2016. Ocwen lowered my payments for only nine months & it will return back to the amount I am paying now. As I explained in my last letter, This modification was suppose to take place months ago and Ocwen is just modifying my loan and cheating me with this bogus Modifcation. My first modification should begin XXXX through XXXX. Please research.
Consumer complaint received 2015-05-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (AL)

I can not pay my mortgage loan online if it 's a weekend day. This was n't always the case. I 'm sure many people can relate to having to wait up to the last day a payment can be made to pay if without getting a late on their credit report. I have had issues with only having access to making payments via the Internet due to a phone not being available. I have made payments online on weekends before and they post that Saturday or Sunday no problem. In the past year apparently they changed their policy ( never received any policy changes updates ), and these payments I made were not credited until the Monday after causing late quotes on my credit. There are times I do n't get paid until Saturday or Sunday and I should n't be penalized for that. Apparently even if I could have called and made a phone payment they add a XXXX $ fee which I ca n't afford. This is not fair in my eyes. I ca n't get in a better situation if I am blocked in all these ways
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MD)

I made a purchase on XXXX on XX/XX/XXXX for {$100.00}. I only use the card about once or twice a year so I did n't notice right away when I did n't receive a statement. In XX/XX/XXXX I went online to look for a statement and discovered that I was charged {$64.00} in late fees. Part of my transaction, {$26.00}, was put on my statement for XXXX that was due on XX/XX/XXXX which I never received. The remainder of the transaction was put on the XX/XX/XXXX statement and at that time I was charged a {$26.00} late fee and the {$26.00} balance was carried forward. The remainder of the transaction was due on XX/XX/XXXX but I never received that statement either. On the XX/XX/XXXX statement, I was charged a {$38.00} late fee. I attempted to call customer service but after 30 minutes on hold, I hung up. I then sent an email but was restricted to a small number of characters to describe my problem. Also I had to figure out how to send it because the system told me that I used a restricted character which I later discover was an apostrophe. It 's extremely difficult to get a problem resolved and the lack of statement being sent or me being notified that is available online is very deceptive and the due dates are vague -- -one part of my transaction being due on one month and the remainder of the same transaction being due on the following month. The late fees are extremely high -- -a little less than 40 % of the transaction. XXXX and the company that administers its card should not take advantage of its customers like this. Also once the card is paid off, you have to be wary of a reoccurring {$2.00} minimum finance charge on a {$0.00} balance.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

hi I filed b.K IN 2010 I applied for a capital one credit card at a high rate interest rate however I knew this this was to get me back on my feet I have a credit score now of XXXX I have tried several times to talk to them they tell me to reapply for other cards with them I do they turn me down I call them to see if they can lower my interest they turn me down now I got a new statement they raised it now to XXXX per I need your help they are using my B.K and are robbing me
Consumer complaint received 2015-12-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WY)

I fell behind XXXX payments on my mortgage at which time I applied for a modification, everytime I called to see if they had they paperwork or needed anything else they would say they have everything and then I would call back two weeks later to check on the status of the modification they would have no idea what I am talking about. I have gone through this cycle at least four times with them and this whole time they would not let me make any payments. Then someone told me my house was listed as a forclosure in the local paper with a sale date of XXXX/XXXX/2016. Since then they have received my paperwork again for modification and I have had to refax that set of paperwork three different times. Now they say I am approved for modification but they are waiting on my title but they wont tell me who they requested my title through. I have checked with every title company in my area and nobody has received a request. They tell me that if they do n't receive the title by the sale date that they will sell my house. I also have a corporate advance on my account for over {$3000.00} that nobody can tell me what it is for. I keep getting a different answer everytime I call in to this company.