davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX ( XXXX ) DOB : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX & Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXXXXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX TX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US 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 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (VT)

The problem is I am working with a mediator to keep my home from being foreclosed on. I became negligent on my morning when my ex husband left me. My ex took loans out against the mortgage without my signature when the loan was with XXXX XXXX. This made the mortgage payment {$2700.00}, there is no way I could pay that even with my ex still here. The new services for this loan is thru Shellpoint aka XXXX XXXX but this is the XXXX time in 3 years the servicer had changed and I have to redo all the paperwork, or the bank waits until I have to resubmit new financial documents. At this point there is so much interest and late fees from the last 3 years of stalling I do n't know if they will approve the modification to get the payment {$1400.00} or below. I really feel I am being taken for a fool and just being jerked around. The worst of it is at first I did not accept the amount of the mortgage but I cant prove it due to my ex burning everything in the file cabinet before he left. They say since I ca n't prove anything I have to accept the amount they say I owe.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I have an inaccurate address listed on my credit report that i have no knowledge of. This address is not mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

On Friday XXXX XXXX I contacted equifax to dispute a duplicate charge from XXXX. I explained that there are XXXX accounts listed, XXXX closed and XXXX open with a balance of XXXX. I explained that the account was closed in XX/XX/XXXX and this account is a duplicate. Equifax reported on XXXX/XXXX/XXXX that they had completed the investigation and that they contacted XXXX and " the balance is being reported correctly ''. Equifax then changed the date of last reporting on my credit report to be XXXX/XXXX/XXXX. On XX/XX/XXXX I contacted XXXX and they stated that they have never been contacted by equifax and that I have no open accounts. They stated that there are no open accounts and They mailed me a paid in full letter. I have tried multiple times to file another dispute with equifax online, but their system states that the info I 'm inputting is not valid and it will not allow me sign in. This duplicate account has been on my credit report since XX/XX/XXXX and is currently prohibiting my ability to obtain a mortgage.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

We have been applying for a HAMP loan mod from SPS representing XXXX. We submitted a full financial packet in XXXX and then more in XXXX 2015. We were approved for a HAMP Tier 1 Trial Payment Plan in XXXX 2015, but our gross income input to the NPV was significantly higher than our actual income. We appealed in writing, clearly explaining and documenting our real income. Finally, in XXXX SPS responded to our appeal stating that they had checked and they reaffirmed that they were correct in entering our gross income. They wrote that we needed to pay the inflated trial payment by the first of the previous moth, obviously impossible. 
Three days later we received another letter from SPS saying we were not eligible for HAMP due to the new NPV which showed our gross income at {$2000.00} a moth less than actual. Our new Trial Payment would be almost {$1000.00} a month more than the previous offer. Our HUD certified counselor who had been helping us asked the agent on the phone, which income was right and which was the offer being made. She ( SPS ) told us both income figures were right ( even though wildly different ), and that we no longer qualified for HAMP 1, because we had not paid the inflated Trial Payment, AND that we could no longer apply for HAMP. We would have to pay their SPS offer at over 50 % of our gross income now, increasing to 80 % of our fixed income. 
If we did not, they would foreclose. 
She said there is no appeal to errors on their part on the NPV used to determine a modified mortgage payment.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I 've made several attempts via written correspondence to TransUnion dated XXXX XXXX, XXXX and XXXX XXXX, XXXX via Certified Mail disputing the judgement by XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX who is supposed to be representing XXXX XXXX. In in my letter I 've been asking them to provide the original proper documents to verify and validate that the XXXX XXXX account had belonged to me however TransUnion had failed to properly respond to all of my requests.
Consumer complaint received 2016-02-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (SC)

I was never notified that my interest rates increased for XXXX my loans near the end of last year. As such, my payments went up and I did n't know that until I just happened to look in the portal. Essentially, I could have been seen as delinquent on my loans if I had n't caught it due to the lack of communication from the loan servicer. As a side note, it is generally not a profitable practice to leave your borrowers in the dark about rate changes, it is advised that a form of electronic or paper communication be sent before the next pay date that the rate increase affects.
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Dovenmuehle was transferring our mortgage servicing to their other company, XXXX, and we were in process with another lender in refinancing the mortgage. When the loan was paid-off in full, they reported it as a short sale, which has seriously damaged our credit. I called XXXX, as their name is showing on my credit report with the short sale information under their loan # XXXX RUSHMORE XXXX. I USED THE PHONE NUMBER ON THE CREDIT REPORT UNDER THIS ENTRY. I SPOKE WITH THEM SEVERAL TIMES TODAY DOING WHAT I COULD TO GET THE FASTEST RESOLUTION TO THE INCORRECT INFORMATION. After faxing them the credit report to show what they had done, calling several times, I was n't getting immediate attention to this issue and asked for a manager, then they told me I had to call their other company XXXX they are apparently related ) who transferred the loan to them, Devonmuehle. I called them and they were closed before XXXX XXXX XXXX time.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE (NJ)

On XXXX XXXX, XX/XX/2013 I applied for a mortgage loan with The Huntington National Bank. Mortgage Loan # XXXX. I was pre-approved for a XXXX year conventional loan at 4.375 %. On XXXX XXXX, XX/XX/2013 my loan was approved and I locked in an interest rate of 4.75 %. The rate lock expired on XXXX XXXX, XX/XX/2013 and the mortgage rates subsequently decreased. As the rate of 4.75 % had expired and new rates were lower I asked XXXX XXXX ( NMLS ID : XXXX ) as ( XXXX ) XXXX to give me the new lower rate but she refused. I closed on my property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) on XXXX XXXXXX/XX/2013. Is this legal? What are my rights? I wish to file a formal complaint and have CFBP and any other governmental agency with jurisdiction to begin an investigation into this matter. I have mailed your a hard copy of the pre-approval letter as well as the approval letter for your review. 
Sincerely, XXXX XXXX ( mobile ) XXXXXXXXXXXX
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MI)

I signed up for the American Express card and XXXX bonus miles if I spent {$1000.00} in XXXX days. I saw there was an offer to get XXXX miles if i spent {$2000.00}. Initially they said i could not do this, XXXX call on XXXX XXXX. I called back at XXXX, same day to reconfirm this, and i was told " IF I SPENT THE {$2000.00}, i would AUTOMATICALLY RECEIVE THE XXXX BONUS MILES ''. So, this is a VERBAL CONTRACT WITH AMERICAN EXPRESS!!! I immediately spent the {$2000.00} and after a few weeks noticed, the mileage promised never updated. So i called an argued several times and it was then told to me, by several employees of AMEX, it has been decided in your favor and you will recieve the miles in XXXX weeks. After XXXX weeks I checked back only to learn that the matter was CLOSED and i would NOT BE RECIEVING THE MILES THAT WERE VERABALLY PROMISED VIA PHONE CONVERSATION XXXX XXXX!!! The converation on the XXXX was a contract thatbinvolved me SPENDING {$2000.00}!!!!!!!!!! To get the XXXX additional miles. And Aamerican express has decided to 1. Not honor the deal and 2. To not give the XXXX miles after i was told it had already been awarded and eecided in MY FAVOR!!! I expect vetter from a card that carries AMERICAN in their name. Shame on them for lying and lying and lying and then not following thru with the verbal contract that they have XXXX FILE AND RECORDED. I FEEL THEY SHOULD suffer PUNITIVE DAMAGES for making a customer spend {$2000.00} and then renig on their VERBAL CONTRACT MADE ON XXXX XXXX. The value of those miles is {$560.00} if i had to purchase them from XXXX. Not to mention i spent {$2000.00} that i really didnt have to soend at that time thinking AMEX was going to do the right thing.
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (FL)

I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Im writing regarding all negative reporting accounts. Please remove all negative reporting accounts.

It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures.

According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S. Code 6802 ( b ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXX, LA XXXX Ive attached my Drivers License along with utility bill, and SS card for verification. 

Anticipating positive results on your behalf.
Consumer complaint received 2015-06-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (DE)

I refinanced my 30yr fixed rate FHA mortgage in to a 15yr fixed conventional loan. My old lender Ocwen received the pay off amount on XXXX/XXXX/2015. As per HUD, The Federal Housing Administration ( FHA ) today announced that borrowers who prepay their FHA-insured mortgages will not have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule, Handling Prepayments : Eliminating Post-Payment Interest Charges, applies for FHA-insured mortgages closed on or after XXXX XXXX, 2015. This rule explicitly prohibits lenders from charging borrowers post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau ( CFPB ), for all FHA Single Family mortgage products and programs. 
Ocwen is telling me that they calculate the interest on a monthly basis not on per Diem basis as opposed to that above rule. They have charged me interest for the whole month of XXXX. Ocwen charged me {$1000.00} in extra interest payment for the XXXX days of XXXX, when HUD clearly says there is no prepayment penalty. 
I have written letter to Ocwen expressing my concern about the extra interest payment and they have replied me back saying that they will only calculate interest on monthly basis and denied my appeal to refund the money.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX and Equifax are reporting late payments after charge off and XXXX is showing no payment history on XXXX XXXXXXXX XXXX XXXX  card account number XXXX also reporting a high percentage of usage the account is closed or charged off I'm disputing the accuracy of this account with all three bureaus
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

Issue : Citibank deducts face value difference XXXX XXXX vs XXXX dollars ) from account principal, not pending deposited amount, on deposited cheques in XXXX currency. I filed a CFPB complaint one month ago, and was contacted by a Citibank representative who apologized in writing and assured me this would not happen again. However, it happened with the next XXXX cheque I deposited, resulting in a bounced cheque due to funds withdrawn from the account to cover the CAD to XXXX exchange rate. A citibank representative then refused to refund the bounced cheque fee, despite being informed of the outcome of the previous complaint ( refunded fees XXXX, and verifying it in Citibank 's records. 

Narrative : I regularly deposit paychecks in XXXX XXXX XXXX XXXX XXXX into my Citibank bank account. Citibank first deposits the checks as if they had been made out in XXXX. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive 2-3 weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on three occasions.
Consumer complaint received 2015-03-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC (FL)

To Whom It May Concern : I am formally filing a complaint against Monterey Financial Services for XXXX actions that violate my rights as a consumer and fair debt collections practices acts ( FDCPA ). Monterey Financial Services has provided false statements to XXXX and XXXX trying to collect debt by misrepresentation the amount I owe. XXXX has both regular account and a collections account while XXXX only has the regular account. The amounts stated were to be principal and interest but later were told that collections fees were involved. 

Second, Monterey gave false credit information to the credit reporting companies about their collections and amounts paid. How did XXXX come up with a balance owed {$5200.00} on XXXX XXXX, XXXX? That is what XXXX states in my credit report. 

Third, Monterey is charging fees of {$20.00} per month, late fees, interest and other collection fees that I have asked for in writing but Monterey refused to provide. My contract does n't allow for them to collect collections fees, a {$20.00} per month other fee, and interest on top of everything else. This is a breach of contract and therefore Monterey should have to pay for failures. 

I have attached letters written by myself on different occasions to get the necessary explanation for the charges. I have attached a copy of the agreement along with how Monterey applied my payments. I have asked repeatedly for an account analysis and summary. However, Monterey has refused to provide such analysis and understanding of the charges and fees. 

I have paid {$200.00} per month from XXXX XXXX through XXXX XXXX which is not shown to any of the credit bureaus and should be reflected. As of XXXX XXXX I will not be paying anymore payments to Monterey since Monterey has breached their fiduciary duties as mentioned above. I have consulted with an attorney, credit specialist and I performed my own research about Monterey 's practices and behaviors to conduct this thought out letter and analysis. 

Thank you for your time and I look forward to your review and analysis in the next 30 days.
Consumer complaint received 2015-03-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

On XX/XX/XXXX it came to my attention that XXXX payments made on XX/XX/XXXX ( {$350.00} ) and XX/XX/XXXX ( {$350.00} ) had not posted to my Navient account. I submitted an online request for assistance. I received an email back saying they had not received the payments and to please send a copy of the bank statements. I immediately ( same day ) attached copies of the payments from my bank and emailed them back. I did not hear back from Navient. On XX/XX/XXXX I called Navient to follow up. They said they had no record of my email and asked me to fax the documents to them, which I did that same day, XX/XX/XXXX. After not hearing back again, I called on XX/XX/XXXX at XXXX and was told they received the fax but did n't not have any record of the payments. I asked to speak with a supervisor ( XXXX ). XXXX told me she would submit an inquiry to XXXX XXXX since they were probably lost in the transfer of my loan from XXXX XXXX to Navient and to check my account in XXXX weeks. After payments we still not posted, I called again on XX/XX/XXXX and asked to speak with a Supervisor ( XXXX at XXXX ). XXXX said the information I submitted was not sufficient and they need the Electronic Fund Transfer ( EFT ) numbers. I informed her my bank does not have access to EFT numbers but I had submitted copies of the payments that included the confirmation of payment numbers. I asked to speak with a supervisor and the call was disconnected by them ( I called from a land line ). Navient has never followed up with me, they did not send confirmation of receipt of my email or fax, nor did they ever reach out to me to let me know the status of my claim. They have never contacted me to help resolve the missing payments, even after hearing back from XXXX XXXX on XXXX XXXX. I am writing to ask for your help. I 'm not sure what else I can do. I have copies of my bank statements showing the payments, Payment detail receipts showing confirmation numbers and a log of my contact with Navient. 

Thank you, XXXX