davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

In XXXX I approached another lending company to refinance my mortgage from Ocwen to XXXX XXXX XXXX XXXX. Unfortunately due to my loan to value I was unable to refinance my balloon out from under Ocwen. I was referred to XXXX XXXX XXXX XXXX XXXX to gain some assistance in a possible modification program. I completed the paperwork on time, as requested by Ocwen and received the trail plan program information shortly thereafter. The trail plan program required that I make XXXX monthly payments of {$300.00}. As recommended by Ocwen, those payments were wired every month on time. After the XXXX payment was made I received the modification agreement and a new maturity date of 20 years with a payment due of {$300.00} every month. The modification program has been in place since XXXX XXXX. Every month I wire my payment on time for the exact amount as state in the modification agreement. In XXXX XXXX, I received my XXXX past due notice stating that I owed Ocwen {$1000.00}. I immediately got on the phone and after being placed on hold for a while we were told they would have to call back, but they were looking into it. We were never called back. The XXXX time we called we got a supervisor who was able to determine that something had went wrong in the modification process on their end and funds were charged to the loan in error and my payment was held in unapplied. XXXX XXXX, a supervisor with Ocwen, assured me they would have the problem fixed and I would receive no more letters. Unfortunately that was not the case. I have still continued to receive letters stating my loan is past due and could result in my home being taken from me. Every time I call I get the same answer, we are so sorry this has happened, but no one seems to be doing anything to resolve it other than offer an apology. To make matters worse, they reported my mortgage late in XXXX and XXXX on my credit report. I have never had a late payment on my mortgage since I financed the property since XXXX. Now my credit is damaged for no reason. I hate to file a complaint, but this is getting very frustrating and I hate the thought of Ocwen doing this to other people. Please help me get this problem resolved with Ocwen. I refuse to spend anymore of my time holding on the phone while someone looks into a problem that no one at Ocwen seems to care to fix.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (CA)

( XXXX ) I have gone through credit card XXXX. 
I am a victim of the Wells Fargo credit card issue. I had a good credit score. I got a call from a repres there who told me that a credit card for XXXX was being processed for me for. When i questioned the rate it was XXXX first year and XXXX to 28 % afterwards. Things were Not clear. I did not want it. I deserved a better rate with my score and wanted out or a lower rate and it was impossible, i was transferred and put on hold, was told No and ignored. The payments escalated, i paid to avoid my credit being damaged but it was just too much. 
______ ( XXXX - XXXX XXXX XXXX XXXX issue. I always paid them. My balances were fluctuating and i could not get answers. Due to unexpected car repairs i phoned them to just say that the payment would be late and to make arrangements. I was denied. I made payments anyway. Then i received statements showing payments made and then reversed. They could not explain. I kept requesting info and was refused. I kept making payments and in XXXX received a call from XXXX stating that they would no longer accept them. They refused my payments and began harrassing me by phone. XXXX to 30 calls a day. When i told them to stop, they assigned my acct to. XXXX and XXXX. I requested statements etc ..., no info. By accident learned of court date 2 days before. Attorney said show up..guess what? No docs received and no notice of court call. XXXX was not present for roll call and judge said that she could not hear my side. She did not know i was a pre law student who knew better. I was finally able to get a XXXX repres to send me statements nd guess what? Over XXXX was charged ( Identity Theft ). XXXX refused to acknowledge and pursued filing a judgement against me. XXXX had never had problems with me. I paid.
Consumer complaint received 2016-08-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Go Capital Holdings, LLC (FL)

I bought a car from XXXX, and GoFinancial is the lender. I received delivery of the car in XXXX 2015, got plates and had no problem with the car. XX/XX/2015 I moved to XXXX from XXXX. I went to the DMV and filled out the necessary paperwork to have my license plate transferred. To have the plates transferred GoFinancial must send proof of title to the State of XXXX. XXXX will not accept electronic proof of title. GoFinancial has failed to provide proof of title to the state of XXXX for a year now. I am paying for a car that I can not drive, because I can not get a license plate for it. I have been working with the title department of GoFinancial for about the last 6 months. When I call they tell me they have to order a copy of the title from the bank, and that that takes a few weeks. I say ok and wait. When I call back they never have any record of ordering the title. The last time I talked to them they told me the tile " appears to have been lost ''. I have asked them to take the car back and they told me that would negatively effect my credit and I would be responsible for any negative equity the car may have. At this point I have been paying for a year for a car that I can not drive.
Consumer complaint received 2016-12-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (MD)

I hope this finds you well, Over the past week, Citibank has repeatedly called me in an attempt to reach my wife ( XXXX ) and to collect on some current that she owes ; I am *Not* a co-signer on any of these debts. 

Not only have they continued to harass me while at work via my personal cell - they also identified that they were " Citibank '' which is also a violation of CFPA by giving out the institution where debts are currently owed.
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NM)

In correspondence dated XXXX XXXX, 2016, I received a notice from American Education Services stating that my Income Based Repayment plan had been recalculated. I lost my job in XXXX, so my monthly payment was recalculated to be {$0.00}. But I subsequently received correspondence dated XXXX XXXX, 2016, threatening that my loan " will default '' and that " we urge you to make payments to bring your loan ( s ) current. '' I contacted customer service and was told that because I did n't 'check a box ' on my IBR form, I somehow wound up in danger of getting into default. The explanation was inadequate but no further details were forthcoming. The representative was able to go into my account and retroactively 'check the box ' to bring my account 'current, ' and get me out of the potential default situation. But clearly they approved my IBR application, based on the XXXX XXXX letter. There was no explanation provided other than my 'failure ' to 'check the box. '??? I am left confused and angry as to why I suddenly received threatening letters from AES regarding a potential 'default, ' when I previously received a notification saying that my IBR was current and that I do not currently owe anything. I find the labyrinthine process that led me to this point INTENTIONALLY confusing and INTENTIONALLY harassing. The process of applying/reapplying for Income Based Repayment should NEVER result in threatening letters accusing the borrower of delinquency and threatening default.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was a Bank of America credit card holder for about XXXX years ; after XXXX years of paying my monthly payments on time ( sometimes few days late ), on XXXX XXXX, 2015 I paid my balance in full. On XXXX XXXX, 2015, Bank of America sent me a letter announcing that Bank of America Card Services has closed my account due to my FICO score!! Clearly Bank of America was not concerned about my FICO score when they were extracting high interest from me every month ; however, as soon as I paid the balance in full my FICO score became an issue. Needless to say my credit score has been adversely effected by this action. Is this legal? Is this fair?
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (IL)

I had a mortgage account with StoneGate Mortgage # XXXX for a rental property at XXXX XXXX XXXX - XXXX, IL XXXX which was set up on auto payment. Our mailing/statement address was our office at XXXX XXXX XXXX XXXX, IL XXXX StoneGate had our correct email address, office and mobile phone numbers. Yesterday I noticed the auto payments stopped in XXXX 2016 for the mortgage payments. When I called StoneGate to find out why I learned my loan was transferred in XXXX to XXXX # XXXX and that as of today XXXX XXXX we owed 4 months worth of payments. I made the payments today, but very concerned my credit will now be negatively affected for this. Neither company informed us of the change by mail, email or phone. Not sure of our rights, but does not seem right. Thanks for your help.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A. States I have the right to privacy 15 US C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage
Consumer complaint received 2015-08-16
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX, I XXXX XXXX closed on a property which was sold to me by XXXX XXXX. Warranty Deed and Deed of Trust were written as XXXX Assumed Name, Fictitious, Trademark name. I became unemployed for over 2 years in XXXX and throughout that time requested loan modification through at the time I thought was the Servicer for the Lender Bank of America. Bank of America sent paperwork with XXXX parties I had not heard of which excluded the XXXX. The XXXX parties named are XXXX ( who had a name change in XXXX to XXXX, XXXX ) registered under the United States Patent and Trademark Registry No. XXXX. Secretary of State Texas, Tax Compotroller of Texas, Banking Commissioner of Texas, the OCC, and The National Mortgage Lending Services have all identified the XXXX as a DBA which is filed on the United States Patent and Trademark Registry # XXXX XXXX. Bank of America knowing that XXXX was never a Corporation, issued a Deed of Trust with a fictitious Lender. Furthermore, the Note was never endorsed by Bank of America until XXXX, XXXX Which is a rubber Stamp that states " Pay to the Order of '' Without Recourse Countrywide Home Loans, Inc DBA XXXX. This is clearly not how the Deed of Trust or Promissory note is written. A new Party joins in the mix as XXXX as Current Mortgagee. After contacting XXXX, I am advised by XXXX XXXX XXXX that XXXX is not the Lender nor or they the owner of the Loan or the property. However when the property was foreclosed on XXXX XXXX, XXXX, a Deed in XXXX was filed which named the Owner of the Property XXXX with a Bank of America address. This alleged loan XXXX has several issues with it to which the Consumer Financial Protection Agency never helped the consumer with an investigation. The Consumer Financial Protection Bureau never did anything to look into the Deed of Trust with a Fictitious Lender, how did it make it to the Trust as a Legal Binding Document? XXXX is a name, a slogan. It is nothing that would say anything about a Corporation or Financial Institution which legally held the means to be a Lender. XXXX sold the property to more investors XXXX XXXX XXXX XXXX TX XXXX who has hired attorneys to evict me from the property. I do not have a legal Lender and XXXX has already put in writing they do not Own Loan or Property. Who created these Appointment of Substitute Trustee documents, filed them, and who legally purchased property at Auction? Title is not a Clean Title.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My identity has been breached. An unknown party changed my contact info on my XXXX XXXX account. XXXX XXXX said this was done over the phone because the person was able to provide the last XXXX digits of my social security number and answer security questions. ( I do n't disclose this info to anyone ; so, I 'm not sure if this was an inside job or if XXXX XXXX server security was hacked again. ) The next step was to contact the credit bureaus. TransUnion could n't verify my identity/info, so denied my request. Customer service recommended using AnnualCreditReport.com. I went through the process on that site, but TransUnion again could n't confirm my identity/info. This prevented me from seeing if the other XXXX bureaus would release my reports. I ended up ordering the reports over the phone, but it 's going to take 15 days for delivery. Not good when one is trying to repair damage due to a stolen identity and prevent further damage. 

I called TransUnion. Not only could they not explain why I was being denied, they would n't provide a credit report unless I purchased it. That 's wrong. I 'm the victim of a crime. A crime that can ruin my credit, my reputation, and leave me penniless. 

AnnualCreditReport.com 's one credit report per year rule should be lifted when one is making the request due to identity theft. Credit reporting bureaus should n't be allowed to charge for a credit report when the request is made because of identity theft. 

How can the Bureau of Consumer Financial Protection help the operators of AnnualCreditReport.com better assist victims of identity theft rather than making the experience more XXXX? 

Regards, XXXX XXXX XXXX : XXXX
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (KY)

I have a property I can no longer afford, I 've been working with my lender in trying to give back ( deed in lieu ) or short sale, at the same time I was served with papers in seeking a REM judgement against me for the property. I have no way to pay for an attorney to review my case & move forward. I 've been so stressed & confused due to the bombardment of request from my lender, I 'm not sure if they know what they 're doing, cause I 'm lost. 

note : we did have to file bankruptcy before on this property once before, discharged XXXX also, due to the mortgage crisis, Mortgage Settlement, we were not offered a loan modification after receiving a settlement check, not sure even if we were at that time.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

After years of trouble free credit card usage, approximately four months ago Union Bank of California changed its XXXX credit card service from XXXX to a Union Bank based service in XXXX. With every statement since then, I have been charged interest in contradiction of the " grace period '' provision of the account service agreement as the outstanding account balance has been paid on time and in full as it has been set up to autopay from my Union Bank checking account. I have called to complain with each new statement and have had the charge successfully reversed each time and have received assurances that the problem was an oversight and etc. The conversations have been of the " boiler room '' variety with nonsensical and clearly false information being provided to me. The issue seems to me to be that the card provider is trying to catch people who do not carefully look over their credit card statements. A bank employee who I talked to about the issue said that the same thing was happening to him. I hope you can investigate and induce them to correct this practice.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: First Direct Lending, LLC (PA)

My wife and I received in the mail a pre-approval letter from First Direct Lending. Address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. The letter said we were pre-approved to refinance our mortgage at the exact amount of the existing mortgage. The rate would be about half of what it is now. The amount that was clearly stated was XXXX. We called the number and spoke to the agent. He sent us his qualifications for verification. Everything seemed fine. I told him we had received his company 's letter in the mail. 
The application process took a day or so because I had to send him copies of our XXXX 's, payroll stubs, drivers licence, tax statements, insurance verification and so on. After giving up all and I mean all of our personal information, including SS # 's, he wrote to us saying we did not qualify for the loan because of the amount. 
I wrote to him and accused his company of fraud. I can send you copies of the letter we received. What worries us is that they now have all of our information. He could have told us the amount was too high right away but instead asked for all information. What is going on? And the letter we received being pre-qualified? If we were pre-qualified for the amount shown then we should have been able to refinance as stated. 
This is a scam and I would like this company investigated. I will take this as far as I have to. I am angry and I have every right to be.
Consumer complaint received 2016-09-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PR)

This was a car loan which I totally paid off and as proof I received the Title to the car which is never issued unless a loan is completely paid off. A couple of years after, I had an accident in this same car and it was totaled ; my insurance issued a check for the cost of the car. The insurance company would NEVER issue a check and take in the car if I had n't the title. Hence, the loan was paid off leaving no debt.