davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

A few months ago I finally took a look at my credit report noticed that I had some negative accounts on there that were not mine. So I immediaitely begin to contact the debt collectors get them to verify this debt they say I owed them and could n't get any real answers. So I then begin to dispute the negative account with the credit bureaus and it was like talking to a brick wall. They would not respond and when they did, they would keep giving me the same answers that they " updated and verified that it belonged to me. This is outrageous and downright criminal in my book how someone can just list things on your credit and ruin your life. I 've tried hard to keep my credit in good standing. Now I have lost job and housing opportunities because of this. I have sent XXXX separate dispute letters to them and its like i 'm just wasting time and money with these people.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CO)

EXPERIAN IS THE ONLY BUREAU REPORTING THIS TERMINATED AND NON EXISTING PUBLIC RECORD ON MY CREDIT REPORT IT IS DAMAGING ME FINANCIALLY. I HAVE REQUESTED THE DELETION OF THIS ERRONEOUS ACCOUNT SEVERAL TIMES BUT EXPERIAN IGNORED ME AND FAILED TO COMPLY EVERY TIME EVEN THOUGH I SENT THEM PROOF FROM PUBLIC SEARCH AND LETTER FROM COURT STATING THEY ARE NOT REPORTING THIS NON EXISTING BK TO MY CREDIT BUT EXPERIAN IGNORED ALL REQUESTS PLEASE HELP
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I wanted to do a credit freeze or lock on all bureaus for security reasons. This was easy to do on XXXX and XXXX. However, I found the TransUnion site to be misleading. I clicked on credit lock, entered the require data and was enrolled in credit monitoring, which I did not want. This service is XXXX/month. At no point during this " enrollment '' process did the site tell me what I was signing up for. I thought that it was just the credit lock. After the fact, I determined that they planned to charge me the monthly fee beginning XX/XX/XXXX. Then, I went through the process of cancelling the subscription, and called TransUnion to confirm that it was in fact cancelled. This misleading process to sign up for a credit lock/freeze should be fixed. The other bureaus sites were not a problem.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX, 2016 I received a letter from XXXX XXXX XXXX in response to my letter sent on XXXX XXXX, 2016 in which they claim to have received the letter on XXXX XXXX, 2016, which happens to be 17 days from the date sent, claiming to have validated my alleged debt with them. The date on the letter they mailed me stated XXXX XXXX, 2016. This company has violated the law in regards to a response within 30 days total from the date received. The account has already been deleted from my XXXX credit report for failure to respond in a timely manner. It is not my responsibility nor problem that they cant pick up their mail or respond within the legal timeframe of 30 days.
Consumer complaint received 2016-10-12
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (CA)

In XXXX 2016 sent {$2000.00} to a receiver in XXXX using Western Union online service. On the due date the money was not available for receiver to pick up. XXXX WU for 3 consecutive days, and each time was assured money will be available for pick up either on due date or by the end of the day. The last associate helping me suggested to cancel the existing transaction, and to use a WU agent location to send money via their " money in minutes '' service. Which I did. The refund for the original transaction was supposed to take place within 7 to 10 business days. After two weeks had gone by, I did n't receive the refund, and contacted WU again. Over the course of the following month, I called regularly to inquire when and how I can receive my money back. I spoke with multiple agents and supervisors, and every time I was given a time by which the money would be returned to my account. I was promised multiple times that I would receive a call back, which only happened once. It took a month of regular calls and at least 8 hours worth of phone time ( total ) to finally speak with an operator that stated that WU was having " a computer glitch '' and that multiple customers have bee effected by it. He also assured me that a representative from their " offline department '' would contact me before the end of the day to see how I can be compensated for the time I 've spent on the phone trying to get my money refunded. That never happened. I finally received the refund. When trying to contact WU to see what they are planning to do in regards to time and aggravation it took for me to get the refund, I was offered a 50 % discount on my next transaction. Seeing that my usual transactions only cost {$10.00}, their offer equates to a {$5.00} compensation, which is hardly appropriate for the time invested in phone calls associated with this transaction.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I disputed a collection account on my credit report with XXXX XXXX XXXX account number XXXX. I contacted XXXX in XXXX 2016 disputing this account and XXXX sent me a letter stating that the account did not belong to me and that they would remove the account from my credit report. After considerable time, the XXXX account was not removed. I initiated a dispute with Equifax and sent a copy of the letter from XXXX relating to this account and that the account should/would be removed. 

Equifax responded that the account was verified and he information was reporting correctly. How is this possible, when the XXXX sent a letter stating that it did not belong to me and it would be removed. Equifax has violated the FCRA and dishonestly keeping this account on my credit file. I provided the verification from XXXX, so why is the account not removed instead of updated with bogus verification. 

This account should be removed within the 15 days allowed for response relating to this complaint.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I attempted to get a refinance mortgage. Amerisave charged me {$420.00} for an appraisal and then proceeded to send me inaccurate paperwork. They did this 3 times and when I told them I could n't sign inaccurate paperwork they closed my loan application saying I did n't respond. I have contacted them XXXX times and they are refusing to contact me back. I looked up Amerisave Mortgage and there was a lawsuit by the CFPB that Amerisave lost forcing them to pay a large amount of money for illegal practices such as this. Well, they still are doing so. I would like my money refunded.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (SC)

I have a Collections account on my credit report from National Credit Systems in regards to XXXX XXXX. I 've satisfied this account in full on XXXX XXXX, 2016. I was informed by National Credit Systems that my account will update on my credit reports on XXXX XXXX, 2016, I called to see why it has n't updated after XXXX XXXX and they said that it will update on XXXX XXXX, 2016. Today is XXXX XXXX, 2016 and I spoke with National Credit Systems and she said that they requested for it to be updated. XXXX informed me that it has not been updated since XXXX XXXX, 2016. National Credit Systems continuously lied to me about updating my balance.
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Partners Financial Services Inc (GA)

I am being harassed regularly concerning a debt that is not mines neither did I authorize the responsible party to use any of my information to acquire this debt. I have written several letters to the comapny and have even talked to them letting them know the responsible party is not myself but my son who took out the loan and attempted to use me to get the loan for the alleged purpose of trying to go to some XXXX school. Because they can not reach my son and he attached me to his information they are attempting to come after me and to have me pay for something that is not mines nor did I authorize.
Consumer complaint received 2017-02-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

US Bank Home Mortgage is the company handling my mortgage. Our agreement is that they are to pay our homeowner 's insurance from my monthly mortgage payments. Over the past 2 years handling our mortgage, we have received several cancellation notices from my homeowner 's insurance companies due to non-payment of the premium that was supposed to be paid by US Bank Home Mortgage. Because of this, we have had our homeowner 's insurance cancelled multiple times and had to switch insurance carriers on account of this issue. At one point, I was told I had 2 insurance companies at the same time and was paying both of them. 
Now I am paying {$350.00} MORE than my regular mortgage payment PER MONTH. When I called the US Bank Home Mortgage to ask why, they told me it was because of all the insurance cancellations. They said there was a shortage of over {$4000.00} that needed to be paid off by me through my mortgage payments. I have never missed a payment nor have I ever not paid the amount in full. I paid Us Bank Home Mortgage what I owed " including the insurance money '' and because they did not pay the insurance company, I have this predicament. 

I do not feel that I should be held responsible for the mistakes of Us Bank Home Mortgage. I feel that per our agreement with them, they should be making regular payments to the insurance companies from my monthly payments so my insurance is not cancelled all the time. 
I live on a XXXX basis and I can not afford this. My mortgage was for {$140000.00} with est {$1100.00} a month mortgage payments. I now have to pay {$1500.00} a month for the next 12 months to pay off their mistake.
Consumer complaint received 2016-06-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I made my payment on time for XX/XX/XXXX and XX/XX/2016 with Toyota Motor Toyota reported to the XXXX credit bureaus that I was 60 days late XX/XX/2016 and 30 days late XX/XX/2016. I called Toyota and they said that they see that I did make my payment on time both months and that it is an error. I disputed it and Toyota is stating that they are reporting it correctly. This error dropped my credit scores over XXXX points now I am being denied credit everywhere
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (TX)

Back on XX/XX/XXXX we did a Loan Modification on my home. At the time that the modification was done the principal balance was around {$190000.00}. But, keep in mind that when Freedom Mortgage took over the loan XX/XX/XXXX my principal was {$190000.00}. So, when the loan was modified back on XX/XX/XXXX my principal balance was {$140000.00} and {$58000.00} was put to a Subordinate Note. Adding that up come to {$200000.00}. That is more than the original principal balance of {$200000.00}. 
When all the paper work came to me from XXXX XXXX the only things was the Subordinate Note and Subordinate Instrument. NEVER HAVE WE GOT A FEE BREAK DOWN SHEET OF ANY SORT. I HAVE TRIED TO CALL LOANCARE BUT NO ONE WILL TALK TO ME, THEY TELL ME TO CALL FREEDOM. WHEN I CALL FREEDOM MY CONTACT PERSON DO NOT UNDERSTAND WHAT I AM TALKING ABOUT. AT NO TIME I WAS TOLD THAT ADDITIONAL MONEY WOULD BE ADDED TO MY LOAN. ONCE AGAIN, WE NEVER GOT A BREAK DOWN OF THE FEES EVEN WHEN WE RQUESTED THE INFORMATION AGAIN. 
Please understand that LoanCare, may have done a fraudulent and or misrepresentation on your behalf. This will sever as notice to you. And a copy of this is been sent to Loancare as well.
Consumer complaint received 2016-10-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc. (WA)

Through the use of a credit monitoring service, I discovered that AllianceOne Receivables Management , Inc. was reporting a debt in the amount of {$690.00}. I filled out a form on their website to attempt to resolve the issue. A Compliance Officer replied, and after speaking to her on the phone I was able to obtain an account number and a phone number to call. I called that number, repeatedly, over two weeks. I left messages clearly stating my name and the account number I was given. I finally reached them and the representative was unable to locate my account. I was given another number to call and received the same result. Again, I was given another number to call and my account was unable to be located. I now have a fourth number to call and have left a message. I am trying to be proactive and resolve this debt, but this company is making this process impossible.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am writing to amend complaint XXXX, which I originally sent to the White House, which forwarded the complain to your agency, the CFPB. 
I am writing to amend the complaint as follows : 1. I want a modification of the loan from {$3700.00} per month to {$2600.00} per month. I submitted multiple requests for modification over the past 5 years. These modification requests were under HAMP, or the other modification programs. These were denied improperly. I want a modification. This is a a first time modification. 
2. Truth in Lending Act. I want an investigation of the mortgage under the Truth in Lending Act, since inception. I believe that the loan has problems under the Truth in Lending Act. 
3. Americans with XXXX XXXX. You already have my complaint under the Americans with XXXX XXXX. These XXXX issues compounded my problems under the Modification process, and Truth in Lending Act, above. 
Time is of the essence. I will call and write to add information.
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

OCWEN was my loan provider in XXXX and XXXX ( loan number XXXX ). In XXXX I purchased new hazard insurance for my house. When I sent OCWEN the documents for this XXXX insurance ( price {$1200.00} ), an OCWEN representative called me to tell me that the insurance had to cover 80 % of the remaining loan amount. Thus, I adjusted the insurance with XXXX to meet OCWEN 's demand ( price {$1400.00} ). My loan was sold to XXXX in XXXX and recently my monthly premium was raised by XXXX. Thus, I went back over my loan information to determine why my rate had increased. What I found out was that OCWEN had taken XXXX the {$1200.00} payment and the {$1400.00} payment from my escrow, which were claimed to be sent in the form of Insurance Disbursement checks to XXXX ( XXXX XXXX XXXX VIRGINIA or XXXX XXXX XXXX XXXX. Interestingly, however, XXXX never received the payment from OCWEN for the {$1200.00}. Therefore, OCWEN took {$1200.00} from my escrow that was not used for insurance and never returned to me or my escrow account. What concerns me is that I believe OCWEN representatives may be doing this to many loan customers, double charging for insurance from the borrowers escrow account and only paying the insurance company once. It would be easy for you to look at some OCWEN customer loans from XXXX and determine if there are a lot of double insurance charges in this year. If there were then I believe this may be a fraudulent activity that OCWEN is involved in.
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

My grandfather is the account holder on the mortgage and he is XXXX. I called the servicer to advise of his XXXX and to find out the procedure of what to do. 

I faxed a copy of the XXXX XXXX, mailed a copy of the XXXX XXXX and uploaded a copy of the XXXX XXXX to their website. 

I advised I was the person handling his affairs for my family to get options on what to do with the loan. 

Despite having the information that he is dead, and I am the one handling his affairs, they will not give me any options or speak with me about the account in violation of the law.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ID)

The recent hack of Equifax information has leaked my information to the public. The company has acknowledged that my information may have been breached. Their systems are down and they are only offering a service to " protect '' my case in exchange for the waving of arbitration rights.
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MO)

Complaint part A. On XX/XX/XXXX, M & T Bank notified me that the owner of my loan was XXXX XXXX XXXX. On XX/XX/XXXX M & T Bank notified me that the owner of my loan was XXXX XXXX XXXX XXXX AS TRUSTEE. At some time after XX/XX/XXXX, and before XX/XX/XXXX, my mortgage loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX AS TRUSTEE in M & T Bank 's records and in their notices to me. However, I have not received the Mortgage Transfer Disclosure required by 12 CFR 1026.39 ( b ). I requested that M & T Bank provide the date of the mortgage transfer ; the name, address and telephone number of an agent or party authorized to resolve issues concerning my payments on my mortgage loan ; where transfer of ownership of my mortgage loan to XXXX XXXX XXXX XXXX AS TRUSTEE is or may be recorded in public records ; and the partial payment policy of XXXX XXXX XXXX XXXX AS TRUSTEE. See attach_1.PDF M & T Bank replied by denying that a transfer of ownership had occurred and deceptively asserted that somehow a master servicer ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX AS TRUSTEE were the same owner. See attach_2.PDF Complaint part B. I requested copies of any correspondences that M & T Bank received from XXXX  concerning my mortgage loan. M & T Bank did not provide the correspondences that they received after XX/XX/XXXX.
Consumer complaint received 2017-12-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (DC)

Roundpoint Mortgage Servicing Company Overpaid my city taxes by thousands of dollars and it has raised my mortgage over a 1000 plus dollars. I have researched the issues that I have and I have seen a methodical pattern of the same issues that others are having such as over payment of taxes which include double payments, refusal to show documents and long hold times and ultra vague answers. I was working with a customer advocate and the number given was to a non working number. I have not made my payment due to not having the finances to pay the extra 1000 plus dollars. I have read the complaints on your database and it shows that when they say they will waive the late fee. they will not once after the due date. The issues that I am having is no fault of my own but it looks like the time it takes for them to fix the issue you are forced to pay the high increases with push back from the company to get a refund. I have contacted legal council to advise me on this and to conduct research on these issues that others are having.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is showing the XXXX XXXX XXXX/XXXX account as closed and should therefore be removed from the account. Furthermore, it is showing as having been showed to XXXX XXXX. I have never received documentation about this account being sold.
Consumer complaint received 2017-12-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (TN)

Case number XXXX needs to be reopened. Request were sent for debt validation and licensure to collect in Tennessee on XX/XX/XXXX. Verification of delivery on XX/XX/XXXX. No response has been received. The debt stated on my credit report is for {$1000.00} The company 's response is for a XXXX XXXX. I am not a male, perhaps the collection is for a male by the name of XXXX. The company 's response also states that two validations letters were received in regards to this account. I have only sent one validation request with no response. perhaps the other validation came from the male XXXX whom they are referring to. Also the license number given, XXXX, is not valid to collect in the state of Tennessee per the tn.gov website for verification of collection licenses. Perhaps the license number is valid in Kansas, where the creditor is located, but this license number is not valid to collect in Tn.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

Several months ago I received a debit card from TD Bank which I did not request or apply for. I promptly cut it up and threw it away. 
Two days ago I received a bill for {$33.00} from TD Bank for Sustained OD Fee, Maintencance Fee, Paper Statement Fee. 
I have called TD Bank twice and after lengthy telephone hold periods I was asked for the last XXXX digits of my social security number ( how did they get that ) and told to go to a branch office to cancel this fraudulent account. It is not convenient for me to go to a TD Branch office. Please see the attachment. Thank you very much for your help.