davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

In  XXXX  of   XXXX   our home was damaged by superstorm sandy. The home is a duplex and the lower level was on grade and due to flooding has been unrentable and uninhabitable. In addition due to the damage and the state, city and  FEMA requirements we have to lift or demolish and rebuild the home. The home is a 2nd home so we were unable to get relief funds from the federal or state government. W e did recieve an insurance disbursement for losted items and replacement cost of sheetrock. We have spent about {$20000.00} on architects and engineers thus far.   In  XXXX  of   XXXX   we began to contact our Mortgage se rvicer OCWEN to se e what could be done to reduce our mortgage interest rate from 7.875 %. Are request was denied. In  XXXX  of   XXXX   we recieved the insurance disbursement of which just over {$15000.00} went directly to  OCWEN for property repairs. We contacted OCWEN to get an understanding of to use this money, mainly a procedural question, how many estimates were needed, what the funds could be used for, etc. OCWEN was unable to anwer the questions and each time we call we were confusingly transferred from department to department. To this date we still do not have comfirmation of the insurance money with OCWEN an understanding of how to access the funds and no one has ever called us from OCWEN to follow up on  our questions. In addition we have conta cted OCWEN directly by phone and via the website to request loan modification over the last almost 5 years. On the phone we have been transferred or told the request needed to be done online and online all requests have been denied. We have never missed a mortgage payment but due to the condition of the property and the mortgage being underwate r since   XXXX   we have also been unable to refinance with another bank or to secure a loan to rebuild or renovate the property. We have done everything possible to keep the city from condeming the home so that we do not lose our investment bu t OCWEN has not   attempted to help in anyway. We did not want to stop paying the mortgage and damage our credit but the burden is becoming unmanagable. If we sell the property it will be at a tremendous loss. We still have an interest of 7.875 %, we still do not know or have access to the insurance proceeds paid directl y to OCWEN and w e are in danger of losing our home.
Consumer complaint received 2018-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd. (NJ)

This debt collection company is already strong arming attempting to collect a debt for my deceased mother who has not even been in the ground for 60 days. They can be advised of the following : No known executor exists, no known liquid assets exist, I am not responsible for the debt of my deceased mother.
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-11-01
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: Experian Information Solutions Inc. (GA)

I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the account XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car.
Consumer complaint received 2017-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genesis Credit Management, LLC (CA)

XXXX XXXX XXXX in WA falsely claims that I moved into an apartment in XXXX, WA with new carpeting and new flooring which is a lie. They claimed I destroyed the apartment 's interior and the carpeting and flooring in the kitchen and bathroom had to be replaced. This is also a lie. After thoroughly cleaning the unit XXXX cleaner than when I moved in ), I contacted my landlady at XXXX XXXX to get my {$1800.00} deposit back. After a few months, I started getting calls from a collection agency. I learned that my landlady had left XXXX XXXX XXXX. I never signed an initial lease agreement - and wonder if my signature was forged ... Anyways, I should get my entire deposit back just because of this. Also, I was n't informed that I would not be getting my deposit back. I provided notice of leaving the unit on XXXX XXXX, XXXX and my lease ended XXXX XXXX, XXXX. XXXX XXXX XXXX put this into collections on XXXX XXXX, XXXX! I learned that XXXX XXXX XXXX refurbished my apartment ... using my deposit money and putting the rest into collections. I then learned XXXX XXXX XXXX has done this to MANY people. I ca n't find a lawyer to help me because the total ( deposit + collections ) only comes to about {$2500.00}. Small claims court will not take my case over the phone, the Attorney General 's office does n't get involved in anything rental related. I refuse to pay for this ... and, in fact, I 'd like my deposit back. I literally heard of filing with the FTC through WA 's FBI. As mentioned, they 've pulled this scam with lots of people. There are many complaints filed with the Better Business Bureau. TenantsUnion.org is well aware of this problem in WA. I tried working this out through XXXX of XXXX mediation but, XXXX XXXX XXXX blew us all off ... twice. I 've been trying to resolve this matter for almost a year. I ca n't believe this scam is on-going and no one seems to be able to do anything about it.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received an unexpected public record on my TransUnion credit report on  XXXX   XXXX ,  XXXX  for a circuit court #  XXXX . It states that it was reported as of  XXXX   XXXX . This account has NEVER been on my credit report and I have attached proof. We are in  XXXX   XXXX , and I am concerned as to how TransUnion can report a negative public record from  XXXX   XXXX  on my report causing my TransUnion score to drop DRAMATICALLY. This public record needs to be deleted from my credit report immediately. I have attached a copy of a recent TransUnion credit report showing that this public record was not showing up on my credit file under the public records section. Here we are a year later, and TransUnion is inaccurately and illegally reporting that this public record was reported as of  XXXX   XXXX .
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

I refinanced my mortgage. I originally had PMI on the mortgage. But after the refinance there would no longer be PMI. My loan was paid off  XXXX   XXXX . On  XXXX   XXXX  the mortgage company took out a PMI payment for  XXXX , since it is always paid in arrears. Then, again, on   XXXX   XXXX   the mortgage company took another full PMI payment, this  XXXX  for the month of   XXXX  . I challenged that since I only had the loan for 4 days in  XXXX  and I believe that month should be prorated. The mortgage company argues that I have to pay for the full month yet the can not provide me with documentation for my loan where this is allowed or where this is even legal or where I ever signed any type of acknowledgment of this practice. I am requesting a refund of my {$180.00} prorate for the month of  XXXX .
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

Chase advertised their new XXXX Credit Card with an offer of XXXX XXXX points once you spent {$5000.00} within the first 3 months. I applied for and was approved for the card. I made more than the required purchases and paid the annual fee. Chase never sent the XXXX points to XXXX. Each time I called they told me the points had been sent, then they said it takes 6 days, then they said it takes 10 days, then they said it takes 6 weeks and then they said it takes 6 months. While the XXXX points never were posted, they did subtract XXXX points from my XXXX account for a return of {$70.00} on the card. 

I want them to provide the points as promised. When I called to complain, they said there was nothing they could do and then they cancelled the account. If I do not get the points, I will sue in Small Claims Court.
Consumer complaint received 2024-10-26
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. (NY)

I have student loans on my credit report. I received confirmation from XXXX XXXX that my loans have been forgiven under Public Service Loan Forgiveness ; however, the balances are still showing on all 3 of my credit reports. I submitted disputes through each credit reporting agency and the disputes were resolved ; however, the balances have not been removed from my credit reports notwithstanding the fact that I submitted proof of loan forgiveness/discharge. I am not sure if this is an issue with the credit reporting agencies or XXXX as the credit reporting agencies say they spoke to XXXX in resolving the dispute which resulted in no updates to my credit report.
Consumer complaint received 2017-04-24
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: WELLS FARGO & COMPANY (CA)

To whom this may concern,
  
  I am having significant trouble with the customer service of Wells Fargo & Company ("WFC") and having even more trouble with WFC recognizing my consumer rights.
  
  By way of background, WFC has been reporting a number of false records to my credit report, including but not limited to reporting my living address as   XXXX   XXXX   XXXX   XXXX   as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB, OCC, and other regulators concerning illegal marketing practices of WFC.
  
  To follow up on my previous concerns, WFC claims that their current submissions to my credit report abide by the Fair Credit Reporting Act ("FCRA") but nothing could be further from the truth. Indeed, WFC has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to  XXXX  and     XXXX   are not only not supported but also conflict with each other - raising serious concerns as to what information WFC is reporting on consumers and what process they use to verify that information.
  
  For my personal situation,  XXXX  reports that a WE EFC loan with an amount of  XXXX  was opened on      XXXX   XXXX   XXXX     . However,    XXXX    reports a similar, although not identical loan of   XXXX     wa  s opened on     XXXX   XXXX   XXXX    .
  
  I would like to know, why WFC company is reporting similarly looking loans with conflicting information and produce a detailed report of how WFC reports "open dates" and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as WFC to clarify whether these two accounts are referencing one loan or they are two different loans.
  
  The above instance of conflicting information is just one example, I would like WFC to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.
Consumer complaint received 2018-10-30
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: EQUIFAX, INC. (MS)

I am concerned about the validity and accuracy of the recent investigation done by Equifax .I requested for an investigation because the account XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Consumer complaint received 2018-02-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This is a rebuttal to the previous complaint. 

There must be a mis-understanding. 

It was me and no third party that had these companies removed. 

Your response has nothing to do with my complaint and your response is a example of what i am talking about. 

The reason why you no longer see the companies during your investigation is because I challenged the debt and they was unable to prove debt so they was removed. 

Your company should be held liable for accepting invalidated reports. 

I have all the documents I used to have the debt Collectors removed from my credit report and are available upon request. 

Companies that i have removed myself from credit reporting agency. 
1 ) XXXX XXXX court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 )  XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX 
9 ) XXXX and XXXX XXXX, XXXX. 
10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint against XXXX regarding a series of unauthorized hard inquiries that this company run on my credit report, without my consent or permission. This suspicious activity is additionally alarming as I am not a XXXX customer, nor have I been shopping for XXXX service. Having been the victim of identity theft within the last 2 years, I am deeply concerned that these inquiries may be a sign of credit fraud. These hard inquires negatively impact my credit score and stay on my report for up to 2 years. TransUnion informed me that two unauthorized inquiries were run by XXXX within about 2 weeks of each other, the second one occurring after I had placed a fraud alert on my credit report ( which supposedly requires companies to verify a consumer 's identity before running a report - XXXX did not follow this security protocol ). The first hard inquiry occurred on XX/XX/18, the second on XX/XX/18. Because of this unauthorized activity on my credit report, I've had to place a security freeze ( cost : {$10.00} ) on my credit report so as to prevent XXXX from running further unauthorized reports. Upon calling XXXX ( and speaking with their highest level of customer service ), I was informed that they could not do anything about the unauthorized activity, nor prevent future occurrences ; they provided little help or guidance. I have spent hours speaking with reps from XXXX and have gotten nowhere. TransUnion requires a documented complaint from the BBB in order to fully investigate this unauthorized credit activity and remove the hard inquiries from my file. My TransUnion complaint ID is XXXX.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I had an issue with XXXX XXXX wrongfully reporting that an account had been settled with them was listed as " Settled - Less Than Full Balance '' incorrectly causing my credit score to be lowered. TransUnion removed this notation from my credit report ; however, it seems that XXXX XXXX has returned it to my credit report. I am asking TransUnion to once again remove this notation from my credit report, and if possible stop XXXX XXXX from reporting on my credit, as the account in considered closed. My previous XXXX XXXX is XXXX for reference.
Consumer complaint received 2018-03-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (TX)

My initial complaint through CFPB about Credit Acceptance was submitted on XX/XX/XXXX ( XXXX ). My complaint is related to Credit Acceptance failure to notify the co-signer as well as myself of intent to sell a repossessed vehicle. On XX/XX/XXXX, I received a phone call from XXXX XXXX. XXXX  was unprofessional during the phone call, as it seemed as if he was trying to coerce me into saying that I received notification of intent to sell. Credit Acceptance responded to my initial complaint by providing documents that were supposedly sent to the co-signer as well as myself. The problem that I have with the alleged proof a notification sent before selling the vehicle is that the co-signer denies receiving notification as implied in the response by Credit Acceptance. The co-signer has resided at her residence for over 10 years. Therefore, its not possible that she didnt receive notification due to relocation. Hypothetically speaking, if its a possibility that I didnt receive my notification because of an issue related to the postal service, how can it be possible that two individuals with separate addresses not receive mail coming from the same company. I strongly feel that the documents provided by Credit Acceptance are falsified.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

Dear CFPB, I wrote to you a few months ago about XXXX XXXX  who has been pestering me with pre-approved offers on credit cards for many months now - they are FILLING up my mail box with their half-scam product offers, and I called them so many times and they said they removed me from the list, but it just continued. I travel a lot, so often when I return home the mail box is so full of their envelopes that my actual mail and bills doesn't fit in the mail box anymore and is scattered underneath it. 

I have now received a letter from XXXX XXXX saying they have removed my name from the list ( but there were also two new ( undated ) promotional envelopes in the mail box, so I'm not sure I trust this ). 

However, the reason I'm contacting you now is that on top of my incredible frustrating experience with XXXX XXXX today my mailbox was filled to the brim with TEN envelopes offering me pre approved credit cards, not only from XXXX XXXX, but two NEW companies have started pestering me now too : XXXX XXXX and Citibank. I have called both to complain and have my name removed and while Citibank have now held me at a hold for 36 minutes ( still counting ), XXXX was somewhat helpful and informed me that they have gotten my information ( because I have never had anything to do with either one of these three banks, so it is even more insulting that they are spamming me to this degree! ) from one of the three credit bureaus ( XXXX   XXXX and/or XXXX ). They couldn't tell me which one specifically. 

Is there a way that you can PLEASE help me STOP these credit bureaus from sharing ( or selling? ) my personal information to all these credit card companies? I really feel so pestered and tired by this. Often their envelopes come with big red writing " URGENT RESPONSE NEEDED '' etc, and it's so uncomfortable. And most importantly it drowns my normal mail and packs up my mail box. I don't want these credit card offers in my mail box!
Consumer complaint received 2018-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made a check deposit to my checking account with Bank of America. The next day I made a withdrawal with the exact amount. On the same day, I deposited some of the money and then withdrew some again. The next day, I deposited some money and all of the sudden I received a phone call saying my bank has been closed. In addition, they put the check I deposited on hold and it wasnt clear. I tried to tell them it was officially my check I deposited from my 401k.