davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (WA)

I sent a Notice of Rescission to a claimed creditor, Bay View Loan Servicing, LLC on XXXX XXXX, 2015. This notice is also recorded. Rescission is effective on the date of mailing and it renders the mortgage contract which in my case was a note and deed of trust VOID by Operation of Law. 
The unanimous XXXX Court Ruling decided on XXXX XXXX, 2015 and written by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is the most recent ruling from the highest court on the matter of TILA Rescission. 
If Bay View wanted to oppose the above mentioned Rescission, they could have done so in the 20 days following the date the notice was sent. 
Because Bay View Loan Servicing, LLC has ignored the notice of Rescission and has not filed a lawsuit in the 20 days following the notice date, the Rescission in question can no longer be contested or opposed. According to TILA, Regulation Z, and the XXXX Court, the Rescission was effective the moment the notice was mailed. 
Bay View Loan Servicing, LLC has not responded directly to any communication including to the notice of Rescission sent to them on XXXX XXXX, 2015. 
XXXX Trustee who initiated foreclosure proceedings on my permanent residence with and for Bay XXXX Loan Servicing continues to file legal notices about a pending foreclosure as if mortgage documents still existed for the property in question. XXXX Trustee was notified of the notice of Rescission yet they deliberately ignore the law. 
By Operation of Law, no note or deed of trust exist for the above mentioned property. 
" ... .if there is no note and mortgage then anything that happens afterwards is void because you ca n't get a foreclosure on a mortgage that legally does not exist even if a copy of the mortgage is sitting in county records. And a sale would also be void. " Who will make Bay View Loan Servicing, LLC and all of the parties they seem to direct, XXXX Trustee and claimed partner/servicer XXXX XXXX XXXX Bank with addresses in New York and Texas accountable to obey the law? 
I would appreciate the CFPB looking into this matter as soon as possible.
Consumer complaint received 2016-02-23
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Oracle Financial Group LLC. (TX)

Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Unified Portfolio Servicing LLC XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX Calls family members in Alabama asking for me, when my grandmother or mom advises them that I am in XXXX the caller then explains to my family that " he is in trouble '' my grandmother and mom naturally ask if im ok but the caller states " i need to reach him about money he owes ''. 

I disputed this credit inquiry with XXXX, it was removed due to lack of documentation or response. When I explained this to the Oracle group they tell me this is not enough to end the discussion. I then asked for evidence of the loan which I show as paid off in full, they change subject to paying it off. I advise them that I paid it off and on top of that the original loan came from XXXX XXXX who is not responding to XXXX Inquiries. 

The employees at Oracle cut me off and state things like " who cares are you refusing to pay? '' When I ask for documentation. Im curious as to why documentation is so hard to get? It would need to be pretty solid to start calling family members I assume.
Consumer complaint received 2024-08-26
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)

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 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

There are XXXX invalid and prematurely placed liens reporting in the public records section of my file. lien 's labeled under ID # XXXX and ID # XXXX need to be removed. I have repeatedly disputed these accounts as they have been removed from my name and are no longer on my name in the county and federal courts. These liens were accidentally placed and no longer valid nor have been valid for years now. I keep relaying this information to Equifax to remove them but they refuse and keep verifying it as mine but do not conduct a proper investigation to see that they are NO LONGER ON FILE and are not linked to my name. They refuse me any procedures or any description so that I may see how or who has verified this to be accurate. i do not believe that they have conducted a legal investigation at all. they continue to violate the law and they are ruining my life. please, can the CFPB and FTC help assist me in holding this company responsible for their fake investigative duties and their lack of proper correspondence with the consumer?
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (OR)

We have been trying to sell our home. The title company has requested Ocwen to supply a reconveyance or payoff of XXXX $ balance of the XXXX mortgage for the past XXXX days. Ocwen has been nonresponsive. The XXXX mortgage is paid in full and the account is fully satisfied. We are trying to sell the home to pay Ocwen and satisfy all accounts but they have been non-responsive to the requests or providing false and/or incorrect information. We have prolonged the closing dates several times.
Consumer complaint received 2016-03-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (WI)

they keep calling. they wont send any verification of debt. they threaten to come to my place of work and have my boss sign papers. This is not my debt. I have never done business with a company called " XXXX '' now they placed the debt on my credit file
Consumer complaint received 2016-01-16
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (MD)

I placed an offer on a home for sale titled to XXXX Bank. Included with my offer was a {$2000.00} escrow check and a pre-qualification letter from my mortgage broker. My offer was countered, we countered back and during that time multiple offers were received. We were informed best offers were to be submitted to the listing agent by XXXX on XXXX/XXXX/2016. At approx. XXXX on XXXX/XXXX/2016 we were informed that, " All prospective buyers to obtain a XXXX XXXX Loans Pre Qualifiction letter prior to accepting an offer. Please contact XXXX Loan Consultant XXXX XXXX, XXXX # XXXX XXXXXXXXXXXX Phone XXXX Purchaser can obtain any financing to purchase home. '' Wait ... red flag!! I already have submitted a pre-qualification letter. Why am I required to get have XXXX pull my credit? I do n't want to do business with them and I feel uncomfortable giving my social security number to this random person when I am not interested in obtaining credit with them. Is this the listing agent trying to give her loan company business? So, immediately I call XXXX XXXX twice. I left XXXX message. I contacted my mortgage broker who was able to provide me with a pre-qualification letter {$50000.00} higher than my offer to justify that I was able to afford my offer. My real estate agent was informed at approx. XXXX that an offer had been accepted by XXXX Bank and Trust. Wait .... Red flag?? To have an offer accepted I needed to talk with XXXX XXXX, but he had n't called me back. How could this be? At XXXX XXXX XXXX called me back to get my social security number and run my credit ( I did not inform him that I already knew an offer was accepted ). I explained my hesitancy on releasing my personal information and he understood but informed that he could n't submit the required pre-qualification letter without my social security number. Here an offer was accepted and XXXX XXXX is still trying to obtain my confidential information. In addition, XXXX Bank is requiring this when they already have selected an offer. If I already have a pre-qualification letter how is this legal to require me to obtain another XXXX and if it was a requirement, why was n't that explained in the listing information? It seems that XXXX Bank wanted to accept an offer but wanted to verify that the person could afford it so why ask the rest of everyone to compete? Was this deceptive or discrimination?
Consumer complaint received 2016-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

i am a victim of Identity theft and Federal Loan Servicing XXXX Address XXXX XXXX XXXX, XXXX, XXXX XXXX keeps reporting on all ( XXXX ) credit reporting agencies as negative even though I contacted them directly, with documents showing a suspect was arrested using my personal information to get loans, credit and medical., I also filed a complaint with the XXXX which told me to contact XXXX XXXX XXXX United States XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and or XXXX XXXX XXXX Attention : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I will send a copy of all attached documents with this complaint.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I signed up for a credit card via XXXX XXXX. Once it came in the mail I was not happy with the terms so I did NOT activate it. I latter received a bill for {$75.00} dollars to cover an annual fee. When I called to complain they told me the card would be cancelled and I would not have to pay this 'fee '. This month I got another bill for for the same {$75.00} + interest. When I called to complain they told me it was a bank error and I would not be responsible for the account. Remember, they said that last month. Unfortunately the liars put a mark on my credit score. Are they kidding?! I did n't activate the card! They told me the first time I called this account was closed ant that I would not be charged. I am disgusted that my account is labeled delinquent. Then they told me this issue with my credit could take 60 days. I told them this is unacceptable. I cancelled this card that was never activated. Will this company be investigated? I do not believe this is fair business practice.
Consumer complaint received 2024-08-26
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. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX XXXX  # XXXX -BALANCE- {$1100.00} DATE OPENED- XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX -BALANCE- {$770.00} DATE XXXX
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (MI)

On our Barclaycard we had a balance of XXXX. We sent payment on XXXX XXXX Payment over balance in amount of XXXX with a due date of XXXX XXXX XXXX fully XXXX days or XXXX days to arrive in City XXXX XXXX. We called two days after XXXX XXXX ..XXXX XXXX. And balance indicated IT NOT only had not been recieved ( or so they would claim ) but there was additional balance indicating a late fee. IT however had to be in their possesion for it was cashed check XXXX on XXXX XXXX. We sent a XXXX payment of only the previous balance since i called and they said they would waive the late fee. This XXXX payment I sent check XXXX by certified mail and was recieved XXXX days later..the certification came back dated XXXX XXXX. I called that day to see if the XXXX check had been cashed and MY account showed a balance of negative XXXX that is a credit balance. I have another credit card with Barclaycard. and asked if this XXXX could be transferred against debt on this other card. They said NO. They agreed to send a check to us at our physical address of XXXX XXXX XXXX XXXX Michigan My name is XXXX XXXX XXXX. They did not they faxed it to our XXXX. Which was not agreed upon and charged us so fee..XXXX of which I recieved a letter date XXXX XXXX.in so doing. AND did not send us this months billing. but XXXX letters. DUE THIS month XXXX XXXX. and today is XXXX XXXX. So I called them today. NO explanation of how they arrived at XXXX. My intention had been to pay the balance and cancel the card..and they keep moving the DUE date and the payment address to XXXX. when it was in XXXX. and have trumped up some bogus charges made by someone XXXX like it was someone who got ahold of my account number evidently to make us feel like they were doing their job..or perhaps to sell us some other service. My neighbor has a Barclaycard..and a few other people I know and they have had similar problems with them So they need to be investigated. I called today ..no XXXX gave explanation of how they arrived at XXXX for some trumped up fee. WHEN the account was paid off. But they finally after calling DROPPED the XXXX and some guy named XXXX in XXXX said it was dropped but could not understand him. Something about XXXX fee. for reversing the check..I had tried to stop payment on the XXXX check..but it had already arrived and they cashed it giving a credit balance of XXXX aforementioned. So it was NOT like they were charging me for stopping payment on a balance owed them. in the XXXX place. IT was never stopped since they cashed it before STOP payment arrived evidently. Just all round bad business practice NEVER had a Credit card ever do this to someone WHO pays their bills. And NONE of them have ever charged to return MONEY overpaid to them. In fact XXXX credit card company without me calling XXXX returned the money because they simply wanted an even balance at XXXX. There is the story.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-26
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CT)

Order # XXXX was supposedly delivered on or around XXXX XXXX, tracking info shows it was signed by someone who forged my signature, a copy is enclosed. XXXX XXXX was a Monday, I was not at home on this day and the signature is forged as it is not mine, not even fully signed. The signature is not my full name, you can see from the copy provided my USPS. An A-Z claim was filed with Amazon, however, it was closed a day after opening stating the item was signed for by myself and would not investigate further. A dispute was made with Amazon credit as well, however, it might have been closed as well and the reason for this complaint. The total charge for the order is XXXX, please advise Synchrony Bank I need this item disputed and or refunded, if possible.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit card accounts opened at XXXX XXXX XXXX  opened on XX/XX/XXXX2022 under the account number XXXX amount {$220.00} and XXXX XXXX opened on XX/XX/XXXX2022 under the account number XXXX amount {$55.00}, an auto loan account opened at XXXX  XXXX on XXXX XXXX2023 under the account number XXXX amount {$31000.00}, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX2023 under the account number XXXX amount XXXX $ ; XXXX collections XXXX account opened on XX/XX/XXXX with a balance of {$860.00} under the account number XXXX, XXXX XXXX XXXX with an account balance of {$9500.00} under the account number XXXX & XXXX charge off XXXX Account number XXXX with a balance of {$5900.00} opened XX/XX/XXXX. XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Omega RMS, LLC (FL)

Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I have been trying to work with my lender, HFC for almost a year to get a modification. The reason I am filing a complaint is they give me contradictory updates when I call them to check the status of my mod. I last applied XX/XX/XXXX, and was told that my file had the necessary bank statements. XX/XX/XXXX I was told that my statement was missing a page. I asked to speak to a supervisor and they told me one would call me back. It has been 7 business days and I never received a call. This is just the latest action they have taken to keep from reviewing my file for a modification. They continuously tell me documents are received and complete, and then change the story weeks or a month later. They never acknowledge the previous info I was given and instead tell me that it 's simple to just send the info again. But without honest communication from them, that is impossible. I would like them to know that I have filed a complaint so they will hopefully treat me and my situation with more respect. I am doing everything I can to work with them, but they seem unwilling to work with me, but never say that to me.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Resolve Partners, LLC (NC)

Please find attached a copy of the page of the lease that management and or other personnel at the apartments appear to have willfully and intentionally altered without our knowledge and approval therefore, I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. It appears as though management and or other personnel employed by the apartments allegedly took the photographs. The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments therefore, I hereby request that the charge for damage to the carpet in the apartment be removed from my XXXX credit report. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because the lease ended on XXXX XXXX, 2014 and XXXX XXXX, a realtor in the State of North Carolina and manager of the XXXX XXXX Apartments in XXXX, NC used a writing instrument to manually change the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge or permission. 

I hereby request that the charge for carpet damage be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because after vacating said apartment, I hired an apartment cleaning service to clean said apartment, and I hired a carpet cleaning service to clean said carpet. After management and maintenance personnel from the apartments examined and approved the condition of the carpet and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. The management and or other personnel then blamed me for ripping the carpet seams apart and billed me for the replacement of said carpet and violating the end date of said lease. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in t