davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

I took out a credit line mortgage in  XX/XX/XXXX with Citibank. Citibank issued a satisfaction of mortgage that was filed releasing the mortgage but does not understand that I am unable to complete the short sale of my property unless they release the judgment lien they filed against the property in  XXXX . I have an approval to close on my sale. However, the Title company advises I must have a release of the mortgage and judgement lien. The judgment lien is for the credit line mortgage which Citibank issued the satisfaction for. I have tried to explain this to the customer service dept, but no one understands and keep sending me the same document.  <P/> I have attached a copy of the original credit line documents and the judgment filed with the court. I simply need a release of the judgment lien which releases the same credit line mortgage, I was issued a satisfaction of mortgage for. Please see attached.  <P/> Time is of the essence on this matter. Please help me.
Consumer complaint received 2017-05-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TN)

I have applied for a loan modification Ocwen mortgage at least 5 times. The first couple of times I applied I was denied due to not obtaining a signature from a spouse that I had been separated from 16 years and he was not a co-borrower on the loan on which I was requesting the modification for. The most recent modification was denied do to Ocwen stating they did not get a signed agreement from me, and after I had made all three requested payments earlier than requested. During conversations with Ocwen, they never once requested those documents from me and I had spoken with my relationship manager at least 4 times during that period. Also, when I initially called regarding the status of the mod on XX/XX/XXXX, the rep never advised me that the payment was due on XX/XX/XXXX. Coincidentally, I received a statement in the mail advising the payment was due on XX/XX/XXXX. Also during the 4th time I applied, I contacted Ocwen to discuss the mod, and they had already denied the mod, per the rep I spoke with, due to me not making a payment within 1 day of the due date the 2nd payment was requested The tracking on the payment reveals that Ocwen received the payment on the XX/XX/XXXX by XXXX XXXX, but the payment was not processed until the XX/XX/XXXX of the same month in which is was received. Another issue I am noticing with Ocwen is that, they are not really advising me properly when action is taken on the mod. I spoke with them last week and they stated the mod was denied on XX/XX/XXXX. I have yet to receive those papers as well. They are taking negative action on the mod and not notifying properly. I assume that I may not be the only client that may be experiencing similar issues with Ocwen. Ocwen is also reporting my account closed and that no payment has been received since XX/XX/XXXX on my credit report and causing my score to be lower, when the account is open and up payments were being made thru the trustee before the account was removed from the bankruptcy. I 've also noticed that payments sent by mail are processed as late as 16 days. This could mean unreasonable capitalization of interest and late payments for some customers. On the other hand, when I pay {$16.00} and pay through an online company my payments are posted within 3 days.
Consumer complaint received 2017-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (FL)

Multiple out of the country fraudulent charges occurred in my Citibank checking account. I filed a dispute and lost the claims, then a string of fraudulent cash withdrawals occurred and anmyriad of fraudulent transactions followed. I filed claims lost each XXXX and the forced a hold on my account freezing funds denying all claims and have prevented me from speaking with anyone saying it 's confidential information. I 'm out in excess of {$7600.00}!
Consumer complaint received 2017-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

In febuary I entered into a loan modification period with Ditech mortgage company. The first payment was due XXXX/XXXX/XXXX. We made the first payment on XXXX/XXXX/XXXX for the XXXX XXXX due date. The second payment on XXXX for the XXXX payment, the third payment on XXXX for the XXXX payment, XXXX payment on XXXX for XXXX payment, XXXX payment on XXXX for XXXX payment. Soon after we made the XXXX payment, ditech sent us a letter stating our modification was finalized and we were due on XXXX XXXX. We already paid XXXX 's payment on XXXX. They did not apply our payment made on XXXX for XXXX. They charged us twice for XXXX month. We paid XXXX on XXXX and they also charged us again for XXXX after the finalizing of he modification and did n't consider the payment we had just made. It seems it had just gotten lost in the process and no one looked closely enough at our account to adjust for the payment we made. We continued to make a payment on XXXX payable for XXXX, but they are saying we are a month behind now and charging us late fees. 

I have called 3 times and have been argued with and finally after the XXXX time, the person named XXXX, stated that I was right and confirmed with the supervisor that I was correct. His explanation was that no one had looked closely at our account and it definitely needed to be fixed. They requested an audit the end of XXXX. I am continuing to get late notices and it does n't appear to be resolved. Can we please have help on getting this resolved? 

It is extremely urgent this is cleared up, because they have taken {$1200.00} of our money and will not apply it correctly or return it to us. 

I 've attached a photo of the payments made from our bank account. A copy of the trial modification letter with schedule of payments to be made, and a copy of the finalized modification page showing payment amount due on XXXX for {$1200.00}. We already made that payment on XXXX due on XXXX for XXXX.
Consumer complaint received 2017-09-04
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: Experian Information Solutions Inc. (PA)

On XXXX XXXX I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over XXXX days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX Experian and XXXX  because they agreed to remove these transactions they are now along with XXXX  XXXX and Experien in violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-09-04
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: Home Point Financial Corporation (PA)

On X/XX/2017 Home Point Financial placed a hard inquiry on all three credit bureau agencie reports XXXX  XXXX and XXXX without my consent in violation of statutes under the fair credit reporting act.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On X/2017 XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX experian and XXXX
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/2017 XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies equfax XXXX and XXXX
Consumer complaint received 2016-08-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

When I disputed with credit bureaus, they only responded that they are reporting the information that Credit Systems International is furnishing them. 
Credit Systems International is incorrectly reporting an account to the credit bureaus and has obviously ignored my letters and billing disputes. I have never had any negative accounts on my credit reports until this one and this account status is severely affecting my ability to be approved for credit - which is how I found out they are reporting this information in the first place. 

I have sent at least XXXX letters to XXXX and Credit Systems and have made numerous phone calls regarding the incorrect billing of my account. When I went in for XXXX, XXXX told me they were still on our insurance plan and I would be charged the same amount as I was for the previous XXXX. When I got the bill for approximately 4 times what I had been previously billed, I started making phone calls and sending letters. They eventually told me that they were not part of our insurance - even though before they did the xrays, they told me what I 'd be charged. This is very unfair. 

They finally accepted a payoff and agreed to remove the account from my credit reports when they received the payment. I also wrote on the back of the check that the amount was the final payment that we agreed on. 

They have violated several of my rights per FCBA Section 161 and FCRA Sections 616, 617, 621, and 623 : 1. They did not bill me as agreed. I immediately disputed this bill as soon as I received it, but they did not inform the credit bureaus of that when they first reported this account. Based on CFPB data, they have a pattern of billing incorrectly and not being able to validate what they 're billing for. 
2. They are reporting as a non-medical collection, when it should have been reported as a medical collection. I let them know this, they said they 'd correct it, but they did n't. XXXX, that refused to issue me credit is the one that informed me of this. 
3. They never told me they were going to report this to the credit bureaus. As far as I knew, they were still researching the amount I was charged. I only discovered they were reporting when I was denied credit. 
4. They agreed on a payoff and to remove the incorrect information from my credit reports, but still have not done so. 

The result I expect is for them to remove this incorrect reporting completely from all my credit reports, so that I do n't have to file a complaint with the FTC or a lawsuit. 

I 'm attaching a cancelled check as proof they agreed to remove this from my credit reports.
Consumer complaint received 2017-06-04
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. (DC)

In XX/XX/2017 I spoke with XXXX XXXX and XXXX at XXXX XXXX. I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior. XXXX XXXX pulled my credit WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not to pull the credit he did it anyway and my score has dropped 4 points immediately as a result
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: USForex Inc. (NJ)

I initiated a transfer of {$3800.00} USD to XXXX with OFX on XX/XX/21, and submitted all documents as requested. The fund did not arrive at the recipient 's account in 3-4 business days as promised. I reached out to OFX three times in the next 2 weeks, no progress. I requested to cancel this transfer and send the money back to the account I used to pay on XXXX. They promised that I can have the fund back in my account by end of day XXXX, and this also did not happen. I WANT MY MONEY BACK!
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX  XXXX
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I rented a unit at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX beginning in XXXX 2016. The term of lease was from XX/XX/XXXX-XX/XX/2016. I had my final moveout inspection XX/XX/XXXX, and the business was made aware that I would not be renewing my contract. The inspection was fine, and we signed paperwork indicating no damages. XXXX XXXX was the last day of the contract. I paid my XX/XX/XXXX rent and made sure my balance was at {$0.00} at the end of the month. On or about XXXX XXXX, 2016, I received a notice from bill collectors indicating I owed {$580.00}. I called the office and they indicated that I did n't owe anything and my balance was at {$0.00}. I then went to the complex to meet with the bookkeeper, XXXX ( XXXX ). She stated that technical error had caused me to be billed for XX/XX/XXXX, even though they knew I was no longer living there. She also indicated that she would call headquarters and call me the next day with the problem resolved. She also stated she would make sure the bill collectors were aware that the notice to them was in error. She gave me a printout showing that in their system, they had corrected their mistake. We have repeatedly called and emailed since then, and have not been given any notice that the problem is resolved. We also called XXXX XXXX XXXX, that manages the apartment, but there is no working number to reach a live person. Moreover, I received a call this morning from the bill collectors ( IQ Data ) who stated that they had not been given any other information from the management to indicate this was a mistake on their part. They stated even though I sent in a dispute, they did not need verification from the business that the debt was really owed, in violation of my rights under the Fair Debt Collection Act. They stated this will affect my credit, and I should pay the bill and try to get a refund later. I refused. Finally, I have not been refunded my security deposit and it has been 30 days since I have moved out.
Consumer complaint received 2024-08-02
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. (GA)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay them. Also I would like to state the multiple inaccuracies being reported in the same account which I have circled on the attached document, dates opened are inaccurate, last date reported is inaccurate, payment status is inaccurate, how can it be reported as a collection, charge off and XXXX  days late as well as different dates for last date active? These inaccuracies are hurting my credit profile and should be deleted. 

I have to date received no proof that I owe XXXX any debt and I am requesting that they forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If they are unable to provide me with the proper proof then they must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 

If they continue to claim I owe an alleged debt that they can not confirm with proof ( original alleged contract bearing my signature ) then they will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

They have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have XXXX ( XXXX ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of their claims in this matter, and will entitle me to presume they placed this on my consumer report ( s ) in error and that this matter is permanently deleted. Provide the proof, or delete this alleged debt from all sources to which they have reported it. Please forward your documentation to me upon receipt of this letter. Please note that proper documentation is NOT a print out or bill, but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). 

Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

If I don't get proper documentation I will be filing my complaint at : XXXX And XXXX XXXX XXXXXXXX Also the response shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My wife and I filed a complaint with you on X/XX/2017 complaint # XXXX. We are not sure if we are not speaking clearing or no one is listening. Our issue is that over the last 2 1/2 years we have filled out the same extensive loan modification forms. For one reason or another we have been told that form was missing something or the period was in the wrong place. For whatever unbelievable reason we have to fill out the same forms 12 times. We will not do it anymore. We sent our complaint only to have Bank of America send another site of forms with the same exact information. This matter is not closed. Bank of America has DONE NOTHIING!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-08-28
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. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2017-09-04
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: Equitable Acceptance Corp (GA)

The below is the email I sent to the company, but the supervisor, XXXX XXXX implied it was not likely going to be removed. 

Dear XXXX XXXX XXXX, RE : Invalid Inquiry and request for immediate removal of the same. 

I appreciate you removing the unauthorized inquiry on my credit report listed below. In the event Equitable Acc did have the legally required signed authorization to make this inquiry, please forward it to me immediately. 

I 've never done business with Equittable Acceptance, and do n't intend to in the future. As per our discussion, my ex-wife did do business with this company, but we were not married at the time ( divorced for past XXXX XXXX ) and would not have given Equittable Acceptance authority for access to my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( Direct ) New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2017 Alert Type New Inquiry Processed Date XX/XX/2017 Inquirer Name EQUITABLE ACCEPTANCE Phone Number ( XXXX ) XXXX Industry Type Finance
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (FL)

A number of items were verified with out proof supplied to me as the creditor, I have a quit claim deed in which I have a court order to give the home to my husband and I did a quit claim deed giving up my rights to the home and still have it reporting on my credit as XXXX XXXX Experian and XXXXXXXX failed to remove my mortgage off my credit I also have instructions listed in the attachments below. Please correct this quickly as my ex husbands credit worthiness and financial situation is affecting my situation.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.