davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

My mortgage is being serviced by Ocwen Loan Servicing. This company is a horrible company to deal with. I have read nothing but bad reviews and complaints on the XXXX website and I wonder who is looking into this company. Their practices and policies are outside of the scope of normalcy and all they seem to do is charge fees and set unrealistic goals for homeowners. I had fallen behind on my payments and tried to get a modification through the government program for that but was told by Ocwen tht I did not qualify but was not given a reason. So, their solution to that was to give me their version of a modification. The payments were within my budget but I fell behind again because of a medical situation and high medical bills, I am consistently 2 months behind and was told recently that I could send in " extra '' money to catch up, which I started doing but am now being told by my " relationship manager '' that it is not going to help. They keep pushing me toward another of their in-house modifications, which I am sure only serves their interests. The only other alternative is to ut {$1000.00} down on a repayment plan and pay $ XXXX/month for 5 months. I told them if I was having trouble paying $ XXXX/month for my regular payment then how could I pay {$1000.00} down and {$1200.00} for 5 months? They said it is the only way other than doing another modification. I am getting foreclosure threats from them in the mail. Also, when I have the money to send to them, I can not pay it online without a fee because they penalize anyone who is late by not allowing them to pay online without a fee to do so. There is no way to make an immediate payment without being charged another fee. So, I am forced to mail my payments which take weeks to clear, and more late fees are charged. It is a no win situation for any struggling homeowner whose loan is serviced by this company. All one has to do to understand how bad this company 's practices are is to go to the following : XXXX I am afraid of losing my home and have tried every reasonable thing to get myself current with them but they are not willing to be of much help. Also, I think it is a common complaint that this company, or at least its call center, is in another country and that the representatives are hard to understand. I pressured one of them into telling me where they were and was told XXXX on one occasion and XXXX on another. This company does not have the best interest of American homeowners in mind. They only care about making money by fees and unrealistic goals set to make it hard for homeowners.
Consumer complaint received 2024-10-25
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, TransUnion, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include TransUnion. The Transunion website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And XXXX states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.
Consumer complaint received 2024-10-25
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)

i have inquiries from these company, these inquiries not is mine, not recognize. 

XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AL)

EQUIFAX HAS REFUSED TO UPDATE MY CREDIT REPORT AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. EQUIFAX ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (GA)

My XX/XX/XXXX mortgage payment was returned to me. My mortgage lender, XXXX XXXX, had switched servicing companies from Loan Care to XXXX XXXX but had failed to inform me of the new loan account number via mail. I was told by the XXXX XXXX customer service rep to change the account number and resend the payment. I told them I would send it electronically through my bank 's bill pay system as always since I was close to the overdue date and they did not object. I made the change to my bill-pay account on my bank website and resent the payment again. That payment was delivered on XXXX XXXX and confirmed delivered by my bank. XXXX XXXX contacted me saying I had not sent the payment in, claiming to have no record of it. They also informed me at that time that they do not accept electronic payments. I called the bank, XXXX XXXX XXXX, and they told me that the payment went to Loan Care with the new loan account number since that was the original setup for that bill pay account. Instead of returning that payment as they did the first time, Loan Care accepted the payment. I called XXXX XXXX XXXX for help and they called Loan Care directly, conferencing me into the call. The Loan Care representative claimed they had no record of the payment and were not the least bit courteous or helpful. Now XXXX XXXX is threatening my credit rating ( which is over XXXX ) if I do n't make the XX/XX/XXXX payment, even though they are directly responsible for the errors and I have done nothing but make repeated attempts to pay my mortgage as I have always done. 

Reviewing multiple websites I see that Loan Care is widely involved in these types of issues and my fear is that the longer this is dragged out the less likely it is that I will ever see my missing mortgage payment again. This is money I can ill afford to lose!
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Perfection Collection (UT)

i check my credit report because i needed a good and well somehow the company that " claim '' i " owe '' certain amount is showing on my credit i proceed to dispute the account since I do n't have any clues as to how or why I 'm been ding on my credit. the response i get from the credit bureau ( XXXX ) is that the report will remain. i certainly do n't agree with that due the lack of authenticity from the company that is making the claim. I 'm not willing to pay for something I did not ask for there is not way i have this company in my archives as part of my monthly billings not now not in the past. I need and want this company to stop fraudulently claiming is me or assuming is me when is not. This need to stop and my credit restore they think that they can intimidate us but I believe in the system. i believed they are in violation of many FCRA rules but since is really hard to know all the rules with out an attorney this is the reason I 'm recurring to my closest resources. I even think the FTC my have some say on this. but i will refer to the correct channel whichever is recommended.
Consumer complaint received 2017-01-26
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TX)

This debt is not mine. I 've been disputing this since it was with XXXX in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Other — 
Company: Atlanticus Services Corporation (MD)

I got this message from my sisters they called her regarding my debt with Aspre visa from XX/XX/XXXX I filed XXXX with what was suppose to be account insurance and never heard any more from them as I was very sick I did n't think anything of just figured they 'd been paid by insurance. I was in XXXX and an still in XXXX under doctors care. I never gave them my sisters phone number where they got in not sure but I called the number she got from them and learned it was aspire visa it was over 7 years I never heard from them. I 'm XXXX they know that insurance should have paid. They collected fees from XX/XX/XXXX to XX/XX/XXXX on account for this coverage in case I became XXXX it 's like insurance fraud selling bogus insurance to card holders. 
, I got a call from someone regarding XXXX and they are filing suit against you and were going to send the papers here for signature. I told them that you are out of the country. This iis a civil suit. they left a phone number and it is XXXX XXXX and your case file is XXXX. I guess you need to call them. This sound serious. So you should address it. Thanks Love You, XXXX
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

I was doing some phone shopping for the best refinance rate I could obtain. In preparation for my refinance, I had paid down/off credit cards in order to boost my FICO higher. Several lenders were able to give me a 'good faith estimate ' based on what I communicated my personal information to be ( i.e. FICO, income, DTI ratio, etc. ). One of the lenders I was talking with was Cardinal Financial. I was just about to formally proceed with another lender, when it was brought to my attention that Cardinal Financial had actually pulled my credit ( via XXXX )! At no time did I authorize either verbally or in writing, consent for them to pull my credit. Their illegal pull of my credit caused my XXXX to go down, added an inquiry to my credit report, and ultimately caused me to postpone my refinance. This was back in XX/XX/XXXX. They are 'trying ' to remove the inquiry from my credit, however, it has not been done to date. Rates have increased, so I will not be able to obtain the rate that I was going to lock in last month. By refinancing, I was going to reduce my rate and eliminate mortgage insurance which would have reduced my monthly payment as well as significant reduce the amount I paid over the life of the loan. Cardinal has apologized for 'the stress and frustration ' they have caused. What they did was unlawful and has caused me financial harm. There are regulatory requirements that lenders MUST follow, and obtaining a potential borrowers authorization to pull credit is one of them. I feel some type of restitution is warranted. 
Businesses need be penalized when they fail to follow state, federal, or regulatory laws.
Consumer complaint received 2017-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (GA)

I obtained a consolidated student loan with ACS in XX/XX/XXXX. In the XX/XX/XXXX another consolidated all my loans again and the loan with ACS was paid in full and closed. On XX/XX/XXXX, I received an alert on credit check total that ACS had flagged my credit report with negative information. ACS decided to report my CLOSED and PAID account as CURRENTLY 120 days past due. The account has been CLOSED and PAID since XX/XX/XXXX. As you can see from the attached evidence ACS is reporting that the CURRENT status of this account is 120 days past due which is defamation and false reporting under the FDCPA. My score decreased because of this misrepresentation. I do n't currently have an account with ASC so why are they reporting a PAId and closed account as 120 days past due in XX/XX/XXXX? Please correct this misrepresention of my account IMMEDIATELY.
Consumer complaint received 2016-03-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

I am a XXXX year old victim of check Fraud. I hired a handyman named XXXX XXXX. He stole numerous checks and forged my signature. The signature on the checks that he forged was very different from my signature. I never authorized him to sign the checks. TD bank cashed the checks totaling {$8600.00} without confirming the signature and assessed me another {$1500.00} in returned check fees. I could not address this because I was in the hospital and XXXX following XXXX. When I was physically able to challenge the forged checks TD bank only refunded {$2600.00}, stating I took to long to challenge the other {$6000.00} and they refused to credit me the returned check fees that were caused by TD Banks acceptance of the forged checks. I want TD Bank to refund all of the forged checks, ( {$6000.00} ) and to credit my account for the returned check fees caused by their failure to reject checks that did not match my signature.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (DC)

I am writing to dispute recent correspondence from Discover Financial Services. I reported fraudulent charges to my credit card but they remain on my account. I timely notified the companies I never received any goods or services and the companies agreed to take the charges off the account, yet Discover continues to place the fraudulent charges to my account. This is very XXXX to me as I am a victim of identity theft and insurance fraud. Please help me.
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PA)

XXXX USED MY CREDIT CARD TO PAY MY WIFE 'S YEARLY BILL WITH AARP TRUSTED ID. I DID NOT AUTHORIZE THIS YET THEY USED MY CARD. A CARD I DID N'T KNOW I HAD. THEY SHOULD HAVE USED HER CARD ( THE XXXX SHE AUTHORIZED THEM TO USE ) I NEVER AUTHORIZED THEM TO USE MY CARD. IT 'S HER ACCOUNT AND SHE PAYS FOR IT WITH HER CARD.THIS CONSTITUTES FRAUD AS FAR AS I 'M CONCERNED.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

In XXXX XXXX XXXX Equifax after investigation remove collection account from my credit from XXXX XXXX XXXX Account # XXXX for {$83.00} conformation # XXXX. In XXXX collection account come up again in my credit. I submit complain to CFPB case # XXXX. In XXXX XXXX XXXX I receve responce from CFPB stated collction was removed. In XXXX XXXX I check my credit and Equifax and XXXX show collection for {$83.00} from XXXX. I need you help to permanantly remove this collection from my credit.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MA)

I received a judgment against in from XXXX XXXX Bank in XX/XX/XXXX. I paid the judgment in XX/XX/XXXX ; However, before payment was made it was agreed the judgement would be vacated. Equifax continues to report this even after I disputed with them. Also, Equifax states in their correcpsondence to me dated XXXX XXXX, XXXX that XXXX account would be deleted ; but it remains on my credit report. Also, I disputed the XXXX XXXX account as inaccurate. XXXX sold the alleged debt and it ended in hands of XXXX XXXX XXXX who never answer my Debt Validation letters and subsequently agreed to remove all references to this alleged debt. See CFBP case # XXXX.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

XX/XX/XXXX I had water damage. I filed a claim with my insurance company who issued a check to me and my mortgage company XXXX. I completed the required paperwork, endorsed the check and sent to XXXX. They promptly issued a check back to me. A couple weeks later i received another check from the insurance company. I filled out the paperwork, endorsed the check and forwarded to XXXX. The day before ( XX/XX/XXXX ) they were to issue the check {$2800.00} to me, my mortgage was sold to PHH # XXXX. I have made no less than 8 calls to PHH requesting that they issue to a check to me and they keep saying " we are waiting for corporate to decide when to release the funds ''. I have provided PHH with the document from the Insurance company regarding the Repair Estimate, completed and provided PHH 's Loss Draft documentation via fax, uploading into their website and US mail. I CAN NOT complete work on my home until these funds are received. I feel as if my money is being held hostage. I 'm living in a home that is in disarray as I can not complete the work without the funds. There is absolutely no reason why these funds should not be released to me ASAP.
Consumer complaint received 2016-03-08
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: BlueChip Financial (WI)

On XXXX/XXXX/16 at XXXX XXXX I received a call from XXXX at spot loan indicating my payment on XXXX XXXX 2016 had not cleared. I thought that this was a prank as I have been so sick with XXXX and had not received anything from the bank. went to the website and found out that XXXX was correct. I scheduled a payment for XXXX XXXX that did clear the bank. when I 'm speaking with him on that day I indicated that my pay period had changed and that next pay period will be XXXX XXXX and they would not to take out anything before then because I did not get paid until XXXX XXXX. he indicated that once that payment on XX/XX/XXXX he would call me back and get it arranged to have the the pay date as XXXX XXXX and then every two weeks. not hear anything from him and on XXXX XXXX upon checking my bank balance at lunch I noticed that they had already taken out another payment without my consent. Called back to spot loan immediately and they indicated that the supervisor would have to check the phone records of the recordings and come to a decision and and call me later. I did receive a call from XXXX the supervisor at XXXX p.m. she indicated I was correct that I had clearly stated that the next pay period was XXXX XXXX and that she would be refunding the money or I could leave the payment there and then I would n't have to make another payment until XXXX XXXX. indicated that this is going to overdraft my account for my rent check ( which it did and I was charged {$32.00} ) and that I needed the money put back in on Thursday. she indicated it was too late to get that done for Thursday but she would get it put back in on Friday. Friday no money being returned. Saturday at XXXX XXXX. I called and I talked to XXXX she indicated that there was no notes in the system from when XXXX to me. I said I did n't believe that but she said that they were n't going to do anything until they talk to XXXX. I said that if the money was not put back in my account that I was going to contact the XXXX and the Attorney general. She returned call back to me at XXXX XXXX. indicating that she wanted me to go to the bank and get the statement showing that the payment has cleared and they would put the money back into my account ASAP. went to the bank called her at XXXX after the bank had faxed the documentation showing that the payment had cleared I spoke to XXXX. XXXX indicated that he would send an email to XXXX so she would know that the fax had come through. did not hear anything all day and called back at XXXX p.m. again spoke to XXXX. XXXX indicated that he had spoken to XXXX and she indicated she had received the fax and XXXX indicated that they would review the facts and make a decision and v money would be in my account on Monday. still have not received any money back into my account and no communication from the company what so ever.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

A account from XXXX XXXX XXXX and a collection account from XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade lines with Equifax and supplied them with a copy of my police report, the XXXX accounts were removed. However, Equifax re- inserted the entries without informing me- when the accounts do not belong to me.