davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

Where do i begin?
for years i have been applying and asking for a modification on my home. for years i have been denied for whatever reason given. when OCWEN finally decided to offer me a modification my payment when   XXXX   XXXX   dollars higher!! as long as i know a modification and asking for an affordable payment does not mean allowing my payment to go higher almost twice as much as it already was. calling in today with OCWEN i was told that my house went to sale at   XXXX   XXXX   ET time. and that the sale date was scheduled on  XXXX - XXXX -2017 since  XXXX - XXXX -2017 there were 2 conversations, one on  XXXX - XXXX  &  XXXX - XXXX  where i was lied to and told that there was no sale date scheduled. Listed below are the representatives that were spoken to and the comments date and time. please contact OCWEN and have then pull the conversations so you can hear for yourself that we were advised that there was not sale date scheduled on property.
 XXXX / XXXX /2017,   XXXX   XXXX   NOTE [ n ] - LENDER CALL : OCWEN SPOKE WITH :   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A  XXXX / XXXX /2017,   XXXX   XXXX    NOTE [ n ] - LENDER CALL : OCWEN   XXXX   SPOKE WITH :   XXXX   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A I recently received a notice dated for the month of  XXXX  that i had the opportunity to appeal the denial and within a matter of 2 weeks my home went to sale. why would i be given the opportunity to appeal a decision to keep my home and be foreclosed on at the same time. i really need help to get my home back. this is not fair. i am a minority and an immigrant, a hard working tax payer. i did not want this to happen to me.
the following representatives denied any assistance and were lying to me about the conditions and all details of the account  XXXX   XXXX  - Refused to transfer me to management.
  XXXX   XXXX    XXXX  is manager she eventually transferred me to lied by saying could not escalate.
  XXXX     XXXX  lied repeatedly about how to escalate.
At this point i need all the help i can get in order to get possession of my home once again.
Consumer complaint received 2017-04-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

XXXX  MY MORTGAE WAS ASSIGNED TO  AMERICAN HOME MTG SER VICING. THIS WAS SIGNED BY  XXXX   XXXX   ( V ICE PRESEIDENT ).  XXXX  MY MORTGAGE WAS TRANSFERRED TO HOMEWARD. I STARTED WRITING HOMEWARD. QUESTIONING THEM ON CERTAINS PERTAINING TO MY MORGAGE. NEXT THING I KNOW THEY TRANSFERRED THE MORTGAGE TG O OCWEN. I  BECAME VERY ILL. I COULD NOT AFFORD MYH MORTGAGE PAYMENTS. I STARTED WRITING OCWEN ASKING THEM IF THEY COULD MODIFY MY MORTGAGE BASED ON THE PRINCIPAL VALUE. THEY DID NOT.  XXXX  I RECEIVED FORECLOUSURE DOCUMENTS FROM  XXXX   XXXX   XXXX   XXXX . I GUESS OCWEN IS PART OF  XXXX   XXXX . WHEN I GOT MY ATTORNEY IN  XXXX  I PAID {$700.00} FOR FORENSIC REPORT OF MY MORTGAGE. I FINALLY HEARD FROM THE FORENSIC PERSON  XXXX   XXXX . I WS TOLD BY THE FORENSIC PERSON THAT MY ATTORNEY WILL CONTACT ME AND GIVE ME COPIES OF THE FORENSIC REPORT. TILL THIS DAY  I H AVE NOT HEARD FROM MY ATTORNEY REGARDING THE FORENSIC REPORT OR ANYTHING ELSE OF THAT MATTER. I HAVE LEFT MESSAGES FOR THE ATTORNEY AND NO CALL BACK. I PAY MY ATTORNEY THERE MONEY EVERY MONTH. MY ATTORNEY WANTED ME TO AGREE TO THIS MODIFICATION THAT OCWEN OFFERED, I TOLD THEM I DO NOT AGREE AND IF THEY CAN DO SOMETHING. NOTHING HAS BEEN DONE. I HAVE NOT HEARD ANYTHING BACK REGARDING THE FORENSIC REPORT FROM MY ATTORNEY. I AM SCHEDULED FOR COURT ( TRIAL ) IN  XXXX   XXXX .
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

I DID NOT RECEIVE A 1099C FROM THESE COMPANIES. THEY WERE REQUIRED TO FILE WITH THE S.E.C EVERY XX/XX/XXXX. WHETHER THEY DID OR NOT IS SUSPICION OF FRAUD. VIOLATIONS OF 15 USC 6801 AND 6802 STATES THE POLICY OF CONGRESS THAT EACH FINANCIAL INSTITUTION RESPECT PRIVACY OF ITS CUSTOMERS. OPTIONS TO OPT OUT WERE NEVER DISCLOSED AS AN ALTERNATIVE. UNDELIVERABLE ADDRESS ARE STILL LISTED AS WELL AS ALIASES.
Consumer complaint received 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (FL)

I was able to take out XXXX  from XXXX different online XXXX  at the XXXX  time. They XXXX  that Opploans  provided XXXX  is illegal in the state of XXXX  where I XXXX. The terms are usurious and make it impossible to pay back with the amount of current XXXXXXXX XXXX XXXX. I feel these are rent a bank XXXX XXXX
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc. (IL)

I resided at  XXXX   XXXX  apartme nt (   XXXX   XXXX   XXXX   )  from  XXXX  to  XXXX . I moved out at the time that was lease was over and moved into a sister building owned and managed by the same company right around the corner. A year ago I pulled my credit report and realized there was a collection  from Advanced Collection Bureau Inc. I co ntacted the company and told them that I did n't know or understand why this account was reporting on my report. I informed them that I had an outstanding debt from the sister building owned by the same company and I handled that debt. She requested that I send that documentation over. I kept sending via email and fax. The lady stated she never received the documents that I sent. I began to get frustrated with the ordeal and took a break on trying to resolve it, as I realized that it was deleted from my report and added back on. A few months ago, I reached out to the company again as its the only item that I still had in collections that I could n't wrap my finger around. I spoke with  XXXX  and went through the same steps that I went through with the previous lady. He told me that 's great that you settled that but this is another debt that is yours and you need to pay. I explained to him that I do n't understand how this debt is mine if I were never contacted regarding this and I was living i n one of th eir buildings at the time it went into collections. He said he did n't know but I need to pay the debt. I asked him to validate that the debt was in fact mine. He sent me an itemized receipt that is barely readable with wrong contact information on it.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

Equifax credit reporting agency continues to show an open collection on my report, with  XXXX   XXXX   XXXX , that should have been removed when the original account " timed out. '' I have disputed this with another credit reporting agency but they refused to remove it until they received contact from CFPB ; this action took over 75 days so this time I 'm going directly through CFPB to have this account, well past the Statute of Limitations in Oregon, removed and the company notified to stop reporting it on a monthly basis.   Do these reporting agencies have no oversight!
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, 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)

XXXX XXXX cred for {$260.00}.
It was open on XXXX XXXX 2016.
Do n't know what that is. Have no recollection of what that could be. Would like to dispute it. It 's an collection inquiry on my credit on transuinon.
Consumer complaint received 2017-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I have made  2 att empts with this company to try and settle this outrageous loan. They deny to help or settle in anyway. I sent them a hardship letter pleading to settle this debt as I can no longer make the full payments as being in hardship and a single mother of  XXXX  now. They would rather me not pay and it go into collections than try to b e CIVIL  in this matter. This company should be shut down as it prays on poor desperate people who either have no choice at time or do not understand. They are rude and very unprofessional! I feel they have very bad business practice, and I feel there should be a law against these kinds of companies! I made a very good offer to pay the EXACT amount I was lent no more no less. But again they would rather not be paid and hurt me and others more by not helping in anyway! At least I have 2 times now tried to settle this, now I 'm almost 2 months behind on this loan after NEVER being late once! Horrible I burrowed {$5400.00} have pain back {$2200.00} and they show I still owe {$5100.00}? so out of {$2200.00} worth of my money I paid them, they are showing I still owe {$5100.00}? NUTS!! So meaning only {$340.00} of {$2200.00} has gone to my principal! JUST SICKNING! I am willing to go to the news or court to file a complaint against this company and help warn other people!    Desired Resolution : Billing Adjustment Desired Outcome
Consumer complaint received 2017-08-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IN)

Harris and Harris Limited calls me each and every day about 7 times a day.
They have at least 20+ different phone numbers and keep adding more constantly.
I have saved some of them and can provide records.
False names are being using to get past my caller ID. This is a big issue is they come up with fake names always different each day new numbers. They show up such as " travel rewards '' or something else.
I have my phone set up to ignore callers without names and/or numbers in the caller ID.
As a result they create fake names and call me with those. They only leave recorded messages and no details.
I have told them many times to please put all the details in writing and mail them to my home address but they do not. It is a never ending cycle for over 2 years everyday.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (PA)

I tried to contact Discover Bank directly but the number is " non-working ''. I am in the process of applying for a  Home Equity loa n. When I received the property report on  XXXX   XXXX ,  XXXX , I discovered a judgement listed against me. The information on that judgement is as follows : Number -  XXXX  Plaintiff - Discover Bank  Address  -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , OH  XXXX  Date Recorded -  XXXX / XXXX / XXXX  Amount - {$17000.00} This judgement is against my son, who has the same name. When I went to the courthouse to resolve this issue, they instructed me that I need to contact the Attorney 's office representing the collection agency. I contact Attorney  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX ,  XXXX . on  XXXX   XXXX ,  XXXX . The attorney asked me to confirm the last  XXXX  digits of my social security number. He advised me that the social security number he had on file had different last  XXXX  digits. He confirmed that the collection was not with me. Because of this collection, I am unable to proceed with an y Home Equity loan s.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

To whom this  may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017 and  noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources that were listed. I have no knowledge of these unauthorized inquiries and I am therefore seeking for the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards , Concerned Consumer
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, 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. (MS)

Reviewed recent credit report and see that on : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX made an unauthorized inquiry. I did not apply through this company. I have called and sent this company a letter but did not receive a response over 45 days ago.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

There is a hard inquiry from CBNA, which is apparently a Citibank thing, except no one at Citibank seems to have any idea who they are, why they made a hard inquiry when I did not apply for a credit card, or how to fix it. It was made on XXXX XXXX, 2016 according to XXXX XXXX, and I have no other information, received no paper documentation. It counts as a derogatory remark on my credit rating. I 'm trying to buy a home and I heed this removed as soon as possible. I would NEVER get a Citibank card, they are a terrible institution. I 've seen a lot of complaints against this CBNA thing on forums online. Please help me fix this, and why is n't anyone going after these frauds?
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Experian, Equifax and Transunion have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all  XXXX  credit reporting agencies and they have failed to provide requested information. According to FCR A 623 ( a ) ( 5 ) i f the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file.The United States Bankru ptcy Co  urts of   XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.     However,  XXXX , Equifax and  XXXX  actively searches public records for any judgments and tax liens through third party research.     A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research.     Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy  XXXX  and received a letter in return stating The Clerks office does not provide information to credit reporting agencies.     Equifax has mailed me an electronic signature of documents.  XXXX  has not provided any feedback on my request to validate public records.      XXXX  has not provided any feedback on my request to validate public records.     Please see my attached documents.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management , Inc. To Whom It May Concern, Per your web site, you report that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$1800.00} and last delinquency reported XXXX XXXX, XXXX, yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to multiple letters I sent and which you signed for, on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. By not replying in a timely manner to my initial letter you signed for on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MA)

I have paid this  XXXX  account on  XXXX   XXXX ,    2017,  of  XXXX .     I have confirmation numbers and account numbers to prove it. Credit bureaus are still saying they are owed, affecting my credi t FICO s core
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MS)

In  XXXX   XXXX  I received a report of a hard inquiry on my credit for a  Chase Amazon Visa  card for which I had never applied. I put a fraud alert on my credit and stopped the fraudulent application.  XXXX   XXXX , another hard inquiry against my credit for a  Chase Amazon Visa ca rd. I called and spoke with Chase and was able to stop the application. However, the representative would not give me any information about the application, saying it was protected and I would have to fill out an affidavit, file a police report, write my own summary, copy my drivers license, ( he sai d 3 or 4  more steps, but I was driving and unable to write them down ) and mail all of this information in " certified first class mail '' to Chase for review. It would take  30-90 d ays and they might be able to comply with my request. He said he was unable to email these requirements and said they were not published on the website. He could only tell me other the phone.     Why is chase continuing to allow fraudulent applications through and why the ridiculous hoops to get any information about an application that was submitted in my name. I verified all the information at the start of the phone call.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (MS)

This is my refilling of complaint to XACTUS LLC for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

This a complaint against Wells Fargo Bank. Concerning XXXX XXXX XXXX, XXXX, XXXX. Based on WFM not providing the complete truth to the Credit Agencies, but only a misdirected biased opinion against our family, we have suffered considerable damages. As much as {$100000.00} in direct costs and more in other costs and ongoing costs. Wells Fargo intentionally keep as trapped and unable to get a new mortgage. THE Credit Agencies, XXXX, XXXX and XXXX have wrongfully refused to alter our credit reports, they have told us, this because of the ( false ) information supplied by Wells Fargo Mortgage. Here 's new and additional information.. 1 ) WFM wrongfully show late payments in 2016. There was one occurrence of late charges about 24 months prior XXXX 2016. Wells Fargo wrongfully carried these late charges forward. The late charges occurred when l became seriously ill. We requested numerous times, from Wells Fargo , emergency 401k application forms, so we would remain current. Despite numerous requests Wells Fargo did not supply the forms, leaving us unableto stay current. We made a complaint to WFM about this and WFM produced false documentation to 'claim ' they provided timely documentation. We will testify under oath WFM intentionally misled with  this false claim and these false documents. 2 ) WFM have told the Credit Agencies we were late in all of 2016, when in fact WFM made no late  charges against in 2016, the dispute over all late charges was n ongoing dispute and WFM had  suspended late charges as we tried to negotiate a settlement on all late charges, without resorting topossible class action law suits. We have never yet filed any law suits against WF, but we are very very hurt, at the ongoing abuse and hurtful actions to this day from WFM, as noted above.
3 ) WFM unfairly, even told the Credit Agencies we made a late payment in the month of XXXX 2016. 4 ) In XXXX 2016, after discussions, my wife and l informed WFM of our intention to settle 100 % of the mortgage on XXXX XXXX 2016. We were assured there would be no late charges from WFM in XXXX 2016, as we were settling/paying off the mortgage account in full XXXX XXXX 2016. We notified WFM in writing our payoff was arriving XXXX XXXX 2016. There was a timely written notice from our Title Company to WFM, weeks before XX/XX/2016. WFM. WFM received that written notice.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sessoms & Rogers, P.A. (NC)

I received a 3 letters from seasoms & rogers, P, A, ATTORNEY AT LAW 0N XXXX XXXX, 2017 they are saying that i owed to XXXX XXXX XXXX {$9.00} XXXX county case no. XXXX XXXX {$1500.00} XXXX county case no XXXX XXXX {$9600.00} XXXX county case no XXXX XXXX but, this account have been removed all from my credit report and from credit bureau because they were WERE NOT my accounts so the credit bureau removed them all they are no longer in my credit report but this company sessom ragers still harassing me and keep sending this letter with the police come knock on my my door all the time keeping sending me this letter all the time and they got my last four number of my social number but not all my social security of it so everything with company it is a wrong doing to my life i do not owed that is not my and i want this company to removed my name from their office i am not having anything to do with all this charges are not my they do not have all my social number they have only provide me last four number only i want this company to stop harassing me now.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On my credit report for my payments made for my  XXXX  credit card in (   XXXX   2017 it is coded as ND no data ) And it is showing up on my credit report as no data. I have had the credit card that was opened up in  XXXX  2017 with payments made on time from  XXXX ,  XXXX ,  XXXX  2017.
They are reporting ND- No data for the month of   XXXX   2017 for my  XXXX  credit card.