davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (OH)

Received a phone message from Synchrony Bank concerning a debt on a Sam 's Credit Card. I called Sam 's member services and was transferred to a representative from Synchrony Bank. I explained to this person that I have never had a Sam 's Credit Card and that the debt was not mine. I answered a few Security questions and she asked if I had a relative with the same name. I indicated I had a XXXX year old son with the same name. She told me to tell him to call them. This was on or about XXXX XXXX, 2015. Thus far the phone calls have been incessant. I have received XXXX phone calls from this Company starting XXXX XXXX thru today XXXX XXXX. I have the exact times and dates of these calls if necessary. I want these calls to stop immediately and Synchrony Bank and/or Sam 's Club punished for this violation.
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

- In XXXX XXXX applied for loan modification of single family home. Loan was originated in XXXX XXXX and is now with Ocwen- This request was denied. Received a letter dated XXXX/XXXX/XXXX saying that they did not provide an appeal period for the denial, and wanted to provide an opportunity to do so. Paperwork was sent as requested in XXXX of XXXX. 
- Receipt of this paperwork was acknowledged in XXXX on our online account- All acknowledgements of receipt of paperwork sent have been erased from the account as of XXXX XXXX, XXXX. 
- This is the case despite multiple requests for various pieces of paperwork during the initial process and lengthy processing times. All requested items were submitted, and copies of these documents have been retained. 
- Interest rate and payment continues to go up. It is currently at 6.35 percent.
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. (PA)

I was blindsided this morning when I discovered inaccurate accounts on my credit report, and Im at a loss to explain how this could happen. As part of my regular routine, I checked my report and was alarmed to see these discrepancies out of nowhere.
Consumer complaint received 2024-11-22
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. (TX)

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. 
Account name XXXX XXXX XXXX  Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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. 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
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WI)

i requested a loan modification in XXXX 2013. I was put on a 3 month trial, made all 3 payments on time and was told it would be approved. Then in XX/XX/XXXX, I was told that Ocwen did not receive approval from the Bankruptcy court for this modification so it was denied. I have paperwork showing it was approved. Ocwen then modified the terms of my loan without my knowledge, back-dated the paperwork to XX/XX/XXXX and sent me my contract that they signed in XX/XX/XXXX but I signed in XX/XX/XXXX. My escrow was at a negative balance at this point, they never applied any of my payments to my escrow for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and are telling me I am delinquent. I have a letter from the Office of the Consumer Ombudsman stating they were going to advance my mortgage two contractual payments to bring me current and i am now being told it will only be one month and I am still delinquent.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AZ)

Letter to complain. 


Caliber Home loans is committing consumer fraud by using an inflated value for XXXX and refusing to modify my loan. I wrote several letters to the company and still no reply. they are not following RESPA. They have a date set and want to foreclose on a home that I want to keep. No fact finding was completed during the XXXX process and therefore the adviser did not have full knowledge of property estimate in the complex area. 
Please reply to this letter within XXXX days and investigate my complaint. Because in 2006 I was sold a sub-prime mortgage when in fact there was nothing wrong with my credit history and I had never been refused credit before. Please help me get help from HUD as well. My email is XXXXXXXXXXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ
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. (WI)

I went to a large event a few years ago. My wallet went missing with all my identification including my social security card, drivers license, and a credit card. I thought I may have misplaced it. When I got I realized it was gone but thought nothing of it thinking I may have over looked it and that it would pop up. I now realize someone stole it. 

There are XXXX addresses I never lived on my on my XXXX report XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX phone numbers that are not mine ( XXXX ) XXXX and ( XXXX ) XXXX An inquiry on my XXXX and TransUnion report from XXXX XXXX XXXX that I did not authorize XXXX XXXX XXXX that I had no balance on was maxed out on {$200.00} added which leaves me {$700.00} balance that reflects on all XXXX on my credit reports. 

It states on my TransUnion report it states XXXX XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2015-10-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Express Cash Mart Management (IL)

Lender sent me a contract saying first payment due on XXXX XXXX, 2015 for {$72.00} but on XX/XX/XXXX2015 they took {$83.00} from my bank account they said I owed from a prior loan that 's not true loan was merged with new loan new loan new contract. Loan # XXXX been paying on loan for over a year, now they calling harassing my reference everyday.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-11-22
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)

It has come to my attention my personal information has been exposed in several data breach 's. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. Due to my information being exposed. I have submitted a FTC complaint reporting the info I am not familiar with. In addition, I was a victim of Identity Theft. Someone had electric put into my name for over a year. The theft was started in the state of Michigan. 

Please find the attached copy of My ID, The FTC complaint, copies showing different data breaches my information being exposed in a national data breach. 

XXXX XXXX XXXX was another breach.
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

To Whom It May Concern, I have been trying to reach some type of alternative to foreclosure with my servicer Ocwen Loan Servicing , LLC, herein referred to as Ocwen, for years now. I have had no success despite all of the legal problems and issues Ocwen has had over the past years. After a lot of research, I discovered that the right to rescind my loan was still available to me because my loan had not yet consummated under the definition and laws of California, California Civil Code section XXXX. Due to this revelation, I mailed Ocwen a Notice of Rescission on XXXX XXXX, 2015. Ocwen received my Notice of Rescission on XXXX XXXX, 2015. Since receiving my Notice of Rescission, Ocwen has not taken any steps to be in compliance with the Federal Truth in Lending Act, herein referred to as TILA. Pursuant to TILA, my debt obligation is canceled immediately. It is self-enforcing and it automatically extinguishes the lien and the liability by operation of law. After receiving my Notice of Rescission, Ocwen had XXXX ( XXXX ) calendar days to take all necessary steps to remove the deed of trust from my property, return all monies they received for my home or file a declaratory action against to challenge the rescission. Ocwen chose not to do either. Under TILA, the creditor 's interest in the property is automatically negated regardless of its status and whether or not it was recorded or perfected. Furthermore, the security interest is void and of no legal effect regardless of whether the " creditor '', the entity that actually lent me the money, or Ocwen makes any affirmative response to my notice. Since Ocwen and/or the actual " creditor '' failed to file a declaratory action against me within XXXX ( XXXX ) days after receiving my Notice of Rescission on XXXX XXXX, 2015, they and/or the " creditor '' waived any affirmative defenses to the rescission and have given up any rights to a claim on my property or a claim to the money they alleged they lent to me. The debt is not only unsecured, but it is eradicated starting from my rescission notice and ending with Ocwen 's and/or the " creditor 's '' failure to comply with TILA within the XXXX calendar day period mandated by TILA. Based on TILA, there can be no legal foreclosure on my home. Presently Ocwen is attempting to enforce a foreclosure on a deed of trust that no longer exists. Under TILA, Ocwen is mandated to cease and desist the foreclosure against my home presently set for XXXX XXXX, 2015. There is no question that Ocwen is violating TILA. Given the blatant disregard and disrespect for my rescission rights, I respectfully request that the Consumer Financial Protection Bureau look into this matter, review it with critical detail and determine that Ocwen is in violation of TILA and they are subject to liability under the Act and immediately cancel all foreclosure action against my property and forward me a reconveyance as mandated under TILA. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc. (CT)

I was contacted by a company called Asset Recovery Associates last week while I was traveling for work. A voice mail was left for me to call back a " XXXX XXXX '' about an important matter but it was very vague. Upon calling back, I spoke with XXXX XXXX who explained that he was calling about a credit card account I had back in 1993 when I was in college which was now up to $ XXXX. He said that even though it was way past the statute of limitations, it was going to court and I was going to get my wages garnished and this was my last chance to resolve it voluntarily. I said I wanted to speak with his supervisor and I began speaking with XXXX XXXX who said I had a choice of paying a settlement of {$2100.00} or I can pay {$300.00} per month but that would mean paying a total of $ XXXX. I said I was traveling for work and had to call back. 

2 Days later while on my way back home at the airport, I get a call from someone from my office telling me that a XXXX XXXX called, saying he was calling on behalf of the XXXX county court and that he was an attorney and that my wages were going to be garnished!!! He told this to some at my office. 

Furious, I immediately called back was treated in a very mean and unprofessional way by this undereducated thug. I insisted on speaking with his boss, XXXX XXXX got back on the phone and told me that my wages would be garnished. She bullied me into a {$1400.00} settlement. Fearing that more calls would be made to my place of work, I gave authorization for this payment and I now regret it. I have an attorney that is going to be suing them but I want to warn other people to BEWARE of this horrible company that misrepresents, lies and uses fear to steal money from people on debts that are no longer valid. 

They are located in XXXX XXXX, ILThe number that comes up on caller ID is XXXXI was told by attorney that this company has been sued 19 times for this type of thing. I want my {$1400.00} back and I am going to get it. I NEVER file complaints but once my place of work was contacted, I felt compelled to do so.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2014, we applied for a modification because our interest rate was 7.00 % on our first and 9.875 % on our second and we were going through some tough times and were trying to save money where we could. We did not have escrow at the time. Our loan was originated with Country Wide and then moved to Bank of America. We were not behind on our payments nor had we ever missed payment of taxes or insurance. At the time, we were not eligible to refi because the property value was lower then the loan balance. Bank of America added escrow and told me that if I could make three months of trial payments then they would look at combining my XXXX and XXXX, include escrow and lower the interest rate. I was also told that if I did not agree to the modification proposal that I could decline and my loan would go back to the way it originally was. We made the modification payments but when the modification proposal was delivered, my XXXX was still at 7.00 % and XXXX was still at 9.875 %. The only thing that changed was the added escrow. Since this did not benefit me in any way, I declined the modification on XX/XX/XXXX in writing. The relationship manager said to go back to making our prior payments which was {$500.00} less and the escrow account would be deleted in about 10 business days. I continued to follow up with my relationship manager because I started to get delinquent notices and he continued to tell me it was fine and that they were still working on it. I have clocked over 18 hours on the phone with BOA throughout this process. After XX/XX/XXXX, BOA told me we owed for taxes {$4200.00} and then they could delete the escrow. We paid that in XX/XX/XXXX. Then in XX/XX/XXXX they said we just needed to pay then {$4200.00} because we were behind on payments, even though we had continued to make our pre-modification payments. Once we did this, they would remove escrow and put our loan back to the way it was and refund {$2000.00} to us. We paid that and now they say they can not fix the account because we have not made our payments on time for the last 12 months. So now we have a bunch of late fees, our credit report is showing 30 and 60 day lates and we are stuck with escrow. Before this, we had never had 30 day lates. Now that home values have increased, I still ca n't refinance because our credit is reflecting negatively with our mortgage. We were promised that our loan would be fixed, our credit would not be affected and we would not be penalized for making the original loan payments with late fees once the loan decline was received by multiple people, including our relationship manager. I have talked to many people at Bank of America and am getting nowhere. I also filed a complaint with the OCC. I am worried that I may lose my job because of the negative information on my credit report. I also work for a bank and as a Loan Originator I am responsible for using my person credit responsibly.
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( please remove these account accounts before I seek litigation for defamation of character. ) XXXX formerly XXXX balance {$1200.00}, XXXX XXXX XXXX XXXXXXXX Balance {$4700.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$130.00}, XXXXXXXX XXXX XXXXXXXX Balance {$880.00}, XXXX XXXX XXXXXXXX XXXX {$800.00}, XXXX XXXX {$1300.00}, XXXX XXXX XXXXXXXX balance {$62.00}, XXXX XXXX XXXX {$430.00}, XXXX XXXX balance {$2200.00}, XXXX XXXX XXXX balance {$2300.00}, XXXX XXXX XXXX balance {$690.00}.
Consumer complaint received 2024-11-22
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. (FL)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2015-09-02
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Vital Solutions, Inc. (CA)

I had an end of auto lease obligation to pay XXXX XXXX XXXX XXXX back in XXXX 2015. I contacted XXXX via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying XXXX {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from Vital Recovery Services LLC, a debt collection agency that required a payment for the alleged debt I owed XXXX. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, XXXX XXXX XXXX XXXX hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. XXXX refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in XXXX best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with XXXX again. XXXX of companies work with you on this, they assist you with monthly payments ; however, XXXX does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.
Consumer complaint received 2015-05-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen submitted XXXX information misrepresenting the date of the " forgiveness '' as being XX/XX/XXXX when, in fact, the date was XX/XX/XXXX. The date is significant when filing state tax, as the state of CA does not allow the omission of the forgiveness as " income '' after XX/XX/XXXX. Furthermore, Ocwen sent a corrected XXXX but it did not reflect any changes in the incorrect date. The CA XXXX XXXX XXXX is under the erroneous assumption that the $ XXXX forgiveness occurred in XX/XX/XXXX due to Ocwen 's misrepresentation.
Consumer complaint received 2015-05-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

HiI previously lived in XXXX, XXXX and at the time of move to XXXX ( 2008 ), I opened a Bank of America account to make use of their national branches. I opened the account at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I was provided a checkbook obviously with a routing number and account number. I used that routing number since 2008. In XXXX of this year I ran out of checks with my account and requested a new checkbook through Bank of America 's website. Unbeknownst to me ( without any notice ) Bank of America changed my routing number. Around the same time, I filed my taxes with a firm that filed my taxes last year. They used my routing number and account number they had on file. My check with the IRS bounced since the IRS was using the " old '' and now expired routing number. Also, my refund with the State of Virginia was deposited into my account also because of the routing number error. I contacted Bank of America to alert them to this matter but have not yet received a satisfactory response. I subsequently sent a check to the IRS and am in the process of clarifying the error with State of Virginia. I have also updated as many e-check/auto payments as I can remember but I am concerned that checks/electronic payments that I have not yet updated will bounce. Bank of America has not provided me with any set of procedures or accounting for payments that do not get processed as a result of the change of routing number. I am concerned about my credit and not honoring payments as well as not receiving payments, such as the State of Virginia tax return.