davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (ME)

In XX/XX/XXXX, we contacted Ocwen Loan Servicing to apply for a Deed in Lieu of Foreclosure. We completed all the necessary paperwork, and received documentation that asked us to vacate the premises completely by the end of XX/XX/XXXX. We removed our belongings and said goodbye to the home. We did try returning for forgotten items, and the door had been kicked in, the locks had been changed and work had been done to the deck on the home. When we called Ocwen, our loan was no longer in the mortgage department, and the Loan number changed. Our calls went directly to the Short Sales department, even though we applied for a Deed in Lieu. The house was listed on the real estate market, as evidenced by a google search on the home, as well as, a friend of a friend was trying to purchase the home around XX/XX/XXXX. The sale to him was not complete due to what he explained as " the bank did not register the deed ''. We then began receiving phone calls again from Ocwen with no real explanation of what happened, other then the DIL was never approved. We felt our process had been completed, we had left the property and not entered it for well over a year. This XXXX will be 2 years since we have put foot in the home, and yet we are still being held accountable for late fees, etc. 
i recently obtained a lawyer to see if there was any way to get back into the home and was given an opportunity to have a trial modification. This amount was not affordable for me at this time. We are then left with a short sale option, or another DIL option. There has been over 20,000 dollars worth of charges added to our loan balance since we left the home. Because we have been out of the home ( at the insistence of Ocwen ), we have lost any ability to rent or sell it. We do n't even have an ability to enter or use the property. There is also currently damage to the deck that has taken place during this time. We feel the bank made an error, perhaps the loan was sold, and that is why it went to short sales, and the loan number changed. We also feel as though some of our rights as homeowners have been violated.
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (FL)

I have Navient and got the loans for school but I became injured and am now  XXXX , I kept putting the loan into deferment. I Recently lost my husband in  may  of this year and ca n't afford to pay  it.I  a living month to month.I have sent in letters and they just keep sending bills.I just can not afford it.
Consumer complaint received 2017-01-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I recently had a medical issue and needed an operation, which caused me to fall behind one month XX/XX/XXXX with Wells Fargo Mortgage bank. I made payment arrangements, many calls and spoke to several representatives XX/XX/XXXX and XX/XX/XXXX to make 1 month and half payment that would have equaled 3 months Mortgage payments. This payment arrangement was approved by a supervisor. On three several occasions I had to call XX/XX/XXXX to find out why my account was not posting as current, and no response ... .. but they would make an inquiry. They finally took the money and applied it to other fees and as of this date I am in arrears for 2 months where I should be current. I contacted several supervisors at a higher level who stated they would help me straightened it out and as of this date, XX/XX/XXXX they have not. They suspended my automatic withdrawal, and my XX/XX/XXXX payment sat in the Bank. I spoke to a high level Well Fargo representative who told me, " dont worry it will come out, you have automatic withdrawals ... ..and it did not. Therefore, this made my XX/XX/XXXX payment late. Thus, all of this has affected my credit report. In addition, the treatment Wells Fargo representative gave me was disrespectful, callous and condescending. They were unwilling to hear my story, I had a valid payment arrangement that they made for me, and I kept up with my part, and they did not.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

I have called Navient several times to get on income based payments and they said that I did not qualify for income based and I could do a forbearance to assist during my hardship. I have been paying on my loan for 2 years and have n't paid hardly any on the principal of the loan. I need help to resolve this, I ca n't continue to make these payments.
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

I have been contacted by Trans World Systems. They ask if I am XXXX XXXX and then I said Yes. They said they are calling for XXXX.I ask who they are and they tell me they can not talk to me unless I give them my birthdate, last 4 numbers of my social security number and my address. I only know XXXX XXXX as they were my XXXXYear old mothers pharmacy which she owes a small bill which has been disputed. I have not received any letters in writing and my mother is ill and uses my address. All her mail comes to me. I do not know for sure if this is a collection agency, if they have my mothers name. They are calling 3-4 times a day on the XXXX  number and XXXX. Trans World does not come up on the phone screen only XXXX Fl on the cell with a NY # XXXX  and on the landline-XXXX, fl,XXXX. As they do not say they are a collection agency, they could be scammers. I keep asking them to send me a letter.
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a long time Bank of America customer, starting off with this company with a XXXX checking account many years ago, and am saddened to say how disappointed I am in the practices at this institution. I spoke with Bank of America on XX/XX/XXXX in regards to transactions made on my account between the dates of XX/XX/XXXX-XX/XX/XXXX. In the course of XXXX days my account incurred XXXX fees of {$35.00} each, totaling to a whopping {$210.00} worth of bank fees. I was told these fees were incurred due to XXXX separate transactions that were attempted to be paid through my account. Not only am I a victim of these excessive bank overdraft fees, they are also unwarranted. There has been occurrences in the past where I was told that the BOA mobile app does not accurately show your available balance and that you must go to the desktop version of the site in order to view your actual balance. The misrepresentation of account balances is another way to push customers into overdraft, allowing the banks to collect multiple overdraft fees. 
After speaking with the bank rep, I was told that I may opt in to overdraft protection, in which if a transaction can not be paid, it will simply be declined by the bank. I am extremely upset that this is the first time I have been notified and given this " option ''. With that being said, since I am not currently enrolled in overdraft protection, any attempted transactions are to be paid by the bank. The issue here is that not only were the transactions between the dates stated above returned ( NOT paid/declined by bank ) but a {$35.00} return item fee has been charged to my account XXXX times ( XXXX in XXXX XXXX hr prd ). This is insanely ridiculous. I do not wish to end my longtime relationship, however I am a hardworking XXXX year old, that simply can not afford to throw money away on bank fees. If this issue can not be resolved, I will research alternative banking options.
Consumer complaint received 2017-01-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Having a hard time getting monthly statements from the Seterus Mtge Co. Acct # XXXXX Property address XXXXXXX, XXXX FL XXXX. Our Bankruptcy XXXX was XX/XX/2014 and they still say that they ca n't send monthly statements due to us being under bankruptcy. We did chapter XXXX in XX/XX/2014 and the XXXX company was not included in the bankruptcy. They do n't listen to us after several attempts to clear this error up. We are so tired of this run around it has been over XXXX yrs. Please assist me in clearing this up. 
Thanks so much for your assistance.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I spoke to the representative XX/XX/XXXX when they promised to remove the items XXXX and XXXX since it unverified and not mine. They removed all of the other names and addresses but forgot to remove the XXXX wrong items on my credit report that have yet to be verified. The representative on XX/XX/2016 made a smart comment about my XXXX and how its my problem to fix when it should of been removed as promised as of XX/XX/XXXX when I spoke to the first representative that added the fraud alert and went over my credit report and help me with my situation in getting what was accurate on my report.Very disappointed on how consumers are treated by you guys customer service. Especially to a XXXX veteran.
Consumer complaint received 2017-01-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC (PA)

I filed an original complaint with CFPB on XX/XX/XXXX - reference case # XXXX. 
Pacific Union Financial Response dated XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX outlined a forebearance plan offer, which if accepted by me, would become effective XX/XX/XXXX and continue through XX/XX/XXXX. 
Numerous requests via phone and email to receive these documents and specifically the forebearance plan agreement have been unsuccessful. 
Obviously, I can not review or accept documents that I am not in receipt of. Just today I received loss mitigation paperwork again when requesting the forebearance plan agreement XXXX XXXX promised in his response dated XX/XX/XXXX. There are 6 days left in the month XXXX and the lender continues to ignore my requests for the correct documents so that we can move forward. See attached emails.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (UT)

My son attended XXXX in XXXX, Utah. When he and I first talked with them about financing his education, we were informed that the total program would cost {$40000.00}, but he was given a scholarship from XXXX in the amount of {$20000.00}, which would leave a total of {$20000.00} that we needed to finance. 

I was given ParentPLUS loans, which we began paying before they entered repayment status. These loans have exceeded {$30000.00}. We just learned that my son also has Stafford loans that are approximately {$14000.00}, which he needs to begin repaying in XX/XX/2017. How can this be? That totals more than the initial cost of the program itself! 

XXXX is now closed for unsavory financial business practices. I believe my son and I are victims of these practices. What do I need to do to see about loan forgiveness in these circumstances? 

Any help you can give is GREATLY appreciated.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Recently I've received a copy of my credit report in which I noticed that there is information and accounts that are unlawfully and inaccurately reporting. There are inaccurate addresses reporting in which I don't live at those addresses. The address that's on my ID is my address and only address that should be reporting to my credit report. There are collections accounts reporting but how can there be an alleged debt if there isn't any contracts, receipts or agreements between me and the creditors listed in my dispute? I reached out to the creditors reporting these accounts and asked them to mail me any documents that verifies the debt that they're reporting. I never gave them the consent to share nor obtain my personal information which is a violation against my right of privacy. The unlawfully and inaccurate reporting information and accounts are negatively im acting my credit score limiting my ability to obtain any potential relationships with lenders, or institutions. Violations committed by Equifax and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NJ)

I was behind on my student loan and was being threatened to be sued. I would try to pay them when I had money but if it was not what they wanted they would not except my payment and they would harass me calling every day 5-6 times a day. Then they called me to work out a deal I had to pay them XXXX $ up front then a XXXX $ a month with an interest rate of .3 percent. They send me a bill by mail telling me there taking out the money every month but there was no information about the loan on the paperwork besides how much I owe them. I went online to look at my account almost 2 years later because I felt like the total should have been a lot lower at that point and realized they never dropped my interest rate and the whole time I was paying 8 % I fault with them for months about giving me back my money or taking it off my loan called hundreds of times they would n't call back then finally they said they fixed it but they did n't they owed me almost XXXX $ and when they sent me my total in the mail it was not XXXX $ less. They kept stateing I was figuring out the numbers wrong but at one point one of the members from there team even stated that they owe me almost XXXX $ dollars but they said they were wrong! I still have not seen it fixed and they refuse to fix it!
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NY)

Dear XXXX ; My name is XXXX, my address is XXXX XXXX, NY XXXX, and I became disable on XX/XX/XXXX. In XX/XX/XXXX I applied and submitted my discharge application for Total and XXXX with Nelnet for my student loan to be dismissed, and again in XX/XX/XXXX I submitted all the documents that are need for my student loans to be dismissed, and as of today Nelnet have not dismissed my student loans. In the mean time, my student loans are incurred interest and Nelnet has been issuing XXXX and XXXX every time. I have called them and been getting the run around from Nelnet representatives. My account number with Nelnet is XXXX, and XXXX. I have submitted the Discharge Application for Total and XXXX XXXX XXXX XXXX Department of Education, XXXX Servicing, XXXX, XXXX, XXXX, phone number is XXXX or XXXX. Nelnet email address is XXXX. Went I looked at my credit reports from all major credit reporting agencies it shows I have XXXX student loans when in fact is not true. Nelnet is reporting wrong information to all major credit reporting agencies, and is doing nothing about it to resolve the issues. It has put me in the position to seek help from Consumer Financial Protection Bureau to resolve my issues, since I am not getting any help from Nelnet. I can be reach at the address located in the beginning of my complaint letter, and you can also contact me at XXXX. I want to thank you in advance. 
Sincerely, XXXX
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

I am writing a complaint in regards to Navient/Salliemae. I borrowed loans to finish XXXX year of school. I graduated in XX/XX/XXXX. However, when I upon graduating, after the XXXX month grace period I immediately began to repay my loans back. After almost XXXX years of repayments my loan balance has not changed and in some cases has increased since I borrowed the money in XX/XX/XXXX. I have called to dispute my payments over my account and have been faced with representatives hanging up in my face, transferring me endlessly and inaction. I became very ill over the years and continued to pay the student loans. In XX/XX/XXXX and XX/XX/XXXX I called to dispute once again and was ignored. Last week I called to dispute once again. I was unaware of the current lawsuit until today. I called and spoke with XXXX and requested a copy of my payments and charges and contract. Instead I was given a pdf file with a note saying my account was adjusted. XXXX was deducted so I sent a response saying that this was not sufficient and not was I had requested. I was given no response so upon calling this morning was transferred and ignored until I continued to request for a supervisor and wait until I talked to XXXX. I spoke to XXXX who said she would send my payments and contract with XXXX to XXXX days. While I attended school for graduate studies I continued to make payments of about XXXX per month or more. However, many of those payments and others have been omitted from my account and not counted toward my balance. Most of my money was taken and called " interest ''. I am highly disappointed with XXXX/Navient and can attest that they are more harmful for the XXXX people. They have done considerable harm to me and my family. I am an ill person who is unable to work. I was unable to dispute and fight as some individuals have. I am to weak to fight back. I think it is an American crime to take advantage of the XXXX and people who just want to go to school and get an education. They harm the country not help it.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

When my mortgage loan was closed, my property taxes were improperly funded. As a result, I faced an escrow shortage of {$4500.00} for 2015 property taxes. At the time my loan was serviced by XXXX. They agreed to spread the {$4500.00} shortfall over 60 months, which lessened my financial burden. My loan has been transferred to Carrington Mortage Services, and while they have agreed to spread my escrow shortfall, they did not keep the same escrow repayment terms in place that I had agreed to with XXXX. As a result, my monthly mortage payment is increasing dramatically and causing me financial hardship.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MD)

FedLoan Servicing, a private entity, on behalf of the US DoE, processes payments for my student loan. In order to maximize accumulated interest, FedLoan Servicing deliberately and unlawfully posts electronic same day bank deposits one day later than receipt. No other known entity behaves in this unethical manner. The same practice does not occur with my credit card issuers or my car loan servicer.