davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (HI)

XX/XX/XXXXMy name is XXXX XXXX XXXX. I have a house here in XXXX Hawaii, We bought the house on XX/XX/XXXX when I was married then we refinance it XX/XX/XXXX and then me and my ex got divorce. after we got divorce I been fight to save the house its because its is under my name since XX/XX/XXXX which I did n't know till three months before my ex filed the divorce paper. By XX/XX/XXXX I found out that he never paid for three months and I tried to pay the behind payments all the way till XX/XX/XXXX. Then that 's when the XXXX XXXX has been harassing me calls and soliciting collecting debts. By XX/XX/XXXX I send them a hardship letter stating that due to my divorce I can only afford {$1200.00} a month plus I applied for modification with my hardship letter, they said I wont be qualified for modification because of my income is not enough, and which they accept that payments up until XX/XX/XXXX. They sent me a letter stating they cant accept my payments anymore or not applied to my mortgage so I ask them where my payments went? they put those payments of mine in the fund. Since then I have been fighting struggling and handling their harassment that makes me sick and XXXX, I went hired lawyers to lawyers to find who can help me, but all they do is tried to sell my house. I been fighting for them attempting to foreclose my house for five years. I seek help form the mainland thought they could help me. Then I found this XXXX XXXX who did a research of my mortgage and they found out some rebo-signing and records about my mortgage. They keep on transferring servicer company from XXXX XXXX, to XXXX now Ocwen. I have a consultant that helping me as under writer that do all the response letter and filing to response the motion from this company that represent the XXXX XXXX XXXX XXXX. Now I am in schedule to appear in court again because they want me to sign the approval that the Judge here in XXXX trying to give judgement to the Plaintif XXXX XXXX XXXX XXXX XXXX, as a Trustee for XXXX XXXX XXXX XXXX XXXX which was the XXXX was filed Bankcrapcy on XX/XX/XXXX. Thas is what we are trying to prove that all of this mortgage matter of my house is falsify. Now the XXXX XXXX XXXX who representing the XXXX XXXX is trying to foreclose my house where I am trying to fight and save my house I do n't want to sell it. I am writing you to to help me. I am fighting for my rights my future and for my kids. PLEASE HELP ME OR SOMEONE HELP ME.. before its two late. We have proof documents that we needed but seems the Judge here is a crook and taking his side to the plaintiff without any further research the fact. I am a simple citizen fighting for my rights. ..so please help me ... I need a urgent help. 

Repectfully, XXXX XXXX XXXX XXXX XXXX, HI XXXXel # : XXXX
Consumer complaint received 2023-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Two issues with Experian : first one is theyre still letting XXXX XXXX XXXX report negative item on my credit report which they are not authorized to collect in the state of Georgia . They also will not let me dispute the item anymore online or over the phone. 
Issue number two : theyre also letting XXXX  XXXX XXXX report a negative item on my report without providing or sending me verification of the debt, after I disputed it many times.
Consumer complaint received 2023-05-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX is reporting incorrect information on my 3 credit bureau XXXX didnt provide any proof to comply with the Federal credit reporting act. HAS not provide to any of the XXXX credit bureau and me with proof of the original contract with my signature showing that Iam the owner. XXXX XXXX keep hiring different collection agencies to contact me and put information on my credit report. when to small claims in 2 different counties in massachussetts knowingly didnt send me notification of the small claims court date the court granted since I didnt know about this court dates however after I contact the court both court XXXX distriict court of and XXXX district court reversed the judgement. However XXXX XXXX XXXX keep giving those reverse judgement to the credit bureau agencies knoiwing they are not valid and doesnt provide proof of any of the document I request under the FEDERAL CREDIT REPORTING ACT. Moreover Iam a customer of XXXX  XXXX credit card I have my credit card with XXXX  XXXX which LNVN Allegely both 2 accounts from XXXX  XXXX, Iam in good standing with XXXX  XXXX bank. I never done any transaction with XXXX XXXX XXXX. I need XXXX Funding to deleted that information from my credit bureau is in violation of the FCRA>
Consumer complaint received 2016-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (GA)

Through the attached communications I am slightly confused by who is the correct person and/or agency to answer the questions that I have concerning the loan and thus, I am forwarding to CFPB to get the answers to the following questions : 1 ) confirm that the ECMC added " collection cost '' fees are payments that they are requesting be made for the skip-tracing tactics that you used to collect the debt including calling references and those not listed as my references in the original loan? 2 ) why would Navient, and not ECMC be able to answer the question in regards to how ECMC defines what the collection cost ECMC is charging in the prior email? 3 ) What is XXXX current role in regards to the debt ECMC bought from them? 4 ) Is the collection charge instituted from ECMC or is it from XXXX? 5 ) Should all questions and concerns be sent to them? 6 ) Does that mean that arrangements can be made with them and not ECMC, are they considered to be one in the same?
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc. (NC)

on XX/XX/2023 i went to XXXX XXXX to open a credit card and they submitted my application and request came back that experian credit agency was frozen. banker asked me to call experian at the following number XXXX to have the freeze released. when you call they give, you two options to release the freeze 1- create experian acct online@www.experian.com or option 2 send letter to experian i, chose option one and opened an experian acct online. i released the freeze and the next day i called my banker to let them know i had done so that is when the banker told me that i now had to use XXXX to order credit report. XXXX was also frozen so on XX/XX/2023 i called the number provided from XXXX XXXX  for XXXX  and could not get customer service individual to help only automated service.i decided to open an online account for XXXX and i provided confidential information including social security number, date of birth, full address and telephone number. when i hit enter button a pop up screen appeared asking me to give consent for XXXX  to pull credit on my behalf and i clicked yes.when i hit enter and went to the site all applications like freeze account was not available nor were any other choices on their site were also temporarily unavailable.I called the number for XXXX  and when i did there was a clunking sound on the phone and a very unprofessional woman answered with child crying in the background who said she could authenticate me with 5 questions to unlock freeze and no PIN required and she released the freeze.then XXXX ordered credit on XX/XX/2023 and credit card was approved, then I received 2 copies in 2 seperate envelopes of my credit report from XXXX in the mail on XX/XX/2023. the report dated XX/XX/2023 showed no inquiries but the report dated XX/XX/2023 showed an account review inquiry that had " my name via XXXX Interactive In '' and ( phone number XXXX ) and this was requested two times on XX/XX/2023. On XX/XX/2023 received a report dated XX/XX/2023 from XXXX showing another account review inquiry from XXXX  ( phone number XXXX ) with two requests dated XXXX and XX/XX/2023. 
I did not make these requests and have contacted social security, filed a police report and am filing this report. As of today I have no idea what my credit was used for in the 4 requests that I have mentioned that I did not authorize. there are no valid contact numbers that I can locate for either of the companies that have submitted credit requests on my behalf.
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NY)

XXXX overcharged me {$200.00}. I repeatedly asked them for a complete accounting from day one, about 12 months or so. Eventually I stopped receiving correspondence from XXXX. About XX/XX/2016 I received a dunning letter from XXXX XXXX, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, Fl XXXX, demanding the same {$200.00}. 
I responded on XX/XX/2016, certified mail, again advising the charge was an error or submit a complete accounting to me. No response & now I find a negative collection on my credit reports.
Consumer complaint received 2015-08-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (ME)

My mortgage company cashed my XXXX part payment XX/XX/XXXX. They did not apply my payment but cashed the checks. XX/XX/XXXX, 1 month after the payment, they automatically entered me into a " foreclosure '' status and started a modification process. I bought the home is XX/XX/XXXX and have never been late. The modification took over a year. I have finalized my divorce and my exhusband has signed a quit claim deed removing his ownership in the property so I could modify per Wells Fargo instructions. I have made my XXXX trial payment and they are refusing to remove my ex-husband from the Note. They state that the only way I can remove him is to refinance. If I was in a position to refinance, then that is what I would 've done a year ago. This modification process needs to be examined. I have been sent letters from Wells Fargo attorneys stating that Wells Fargo has started foreclosure proceedings, I have been unable to make online payments as they turned off this option in XX/XX/XXXX. They mailed back my payment I made in XX/XX/XXXX and automatically started this modification, all the while, I did n't know if I would get a knock on the door with eviction from my home I share with my XXXX boys. I work in the mortgage business. I know the process like the back of my hand. Wells Fargo is a bully and I want them exposed. Bottom line, I want my home. I am capable of making payments. Wells Fargo has crippled my opportunity to refinance my home by first, refusing my payment ( mailing me a check back after cashing my checks for XX/XX/XXXX payment ) and second, by entering me into a XXXX year note, burying me with no value left for me to refinance. I have recieved no Good Faith Estimate, No truth in lending statement ... just a paper statement of what I am supposed to pay for the next 3 months and still not convinced they will " apply '' the payments and take my home. I owe {$89000.00}, the condo is valued at {$110000.00}. Wells Fargo continually sends me foreclosure notifications in the mail, however, on the phone, my " Home Preservation Specialist '' assured me I was n't in foreclosure. Its a stressful/emotianal situation. I want big banks to stop this nonsense. Please look into this as I know they are not doing things ethically.
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

I have a mortgage with Ditech Financial. My Escrow account for 2017 is incorrect. I am being charged four times a year for taxes instead of two. My account is showing XXXX amounts of XXXX when there should only be two per year. Ditech is also incorrectly charging me for Earthquake insurance which I do not need and have never needed. I have insurance both through my condo association and XXXX. Ditech has copies of both insurance policies and they are in my record. Both are paid by me and not by Escrow. This is incorrect. I had contacted Ditech and had my escrow analyzed by Ditech at least 4 times in the past month and each time the amount is still incorrect.
Consumer complaint received 2016-12-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (OR)

I have received repeated calls from multiple phone numbers from a company representing themselves as dynamic recovery solutions. they always call at obscure times and I get a call every day of the week and its always from a different number and they call my cell phone. they never state my name in the message which makes it very suspicious.
Consumer complaint received 2023-05-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have requested TransUnion and informed them that there are hard inquiries on my credit report that I did not request or give these companies permission to access my personal information. I have requested TransUnion to provide proof that I requested this and since I did not they need to remove this hard inquiry from my credit report. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information.
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Someone stole my identity and I have submitted disputes with XXXX and XXXX and Transunion and XXXX is still reporting wrong. I have asked them to update this information and delete these accounts from my credit report. They have failed to do so. Transunion has not updated my credit inquiries as well. They are reporting the wrong information on my credit report as well as payment history.
Consumer complaint received 2016-08-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. ()

Back in 2007, I attended XXXX XXXX , XXXX ( XXXX University ) now called XXXX XXXX XXXX. I submitted a request to be withdrawn from attendance within the required time frame. The school had informed me that the loan would not take effect immediately, but would be disbursed in future semesters towards the end of my degree plan ; they withheld how the loan disbursement would actually take place. They never processed my withdrawal request, and instead kept me on their attendance records to they could collect on the loan disbursement, which they did. I have contacted the original loan servicer, XXXX, requesting to dispute the loan, and they referred me to ECMC, the current loan Servicer. After contacting ECMC to dispute the loan, they are refusing to acknowledge my documentation and complaints on the matter. They keep sending me back and forth to address the matter with XXXX XXXX for a record correction, even though the school keeps ignoring my inquiries, and the school is owned by ECMC, the present loan collector demanding I go to the school.
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

My complaint is on Macy 's card services for their department store credit card. Over the past ten years I have cancelled and reopened at least XXXX Macy 's accounts because they pull the same fraud every time. They send out invoices every other month. If you charge something in the month not invoiced, they automatically carry it over to the next month, where you get an invoice that includes a {$27.00} late fee and an additional interest charge. It is a scam. For years I 've paid them but I 'm sick of it. They need to be fined and ordered to stop this fraudulent process. Attached is a copy of my latest bill. I charged items in XX/XX/XXXX, they sent no invoice in XX/XX/XXXX and sent one for XX/XX/XXXX with {$31.00} in fees on a {$190.00} charge, more than XXXX %. Think of the free money they make on people who do n't bother! Every time I call they take the charges off and then do the same thing again. This pervasive, fraudulent practice needs to stop now! ... XXXX XXXX
Consumer complaint received 2020-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

over several months, I have attempted to have all 3 credit bureaus to provide me with documentations that shows that i have a binding agreement with the incorrect items being reported on my credit report. the only thing that i have recieved has been generic verified letters. they can never provide me with proof as i have asked over several month.
Consumer complaint received 2017-01-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

My personal account at Chase was breached, either by someone stealing my personal information off my debit card, or Chase themselves stole it. When I filed a claim, Chase said to me : " They issued me a 'Perfect, Flawless, and Unique '' debit card that is literally " perfect '' and can not be reproduced or make any errors '' so they blame me for making XXXX+ withdrawals even though I absolutely did not such thing, and gave my information to no one. Either Chase is lying about how perfect the card they gave me and someone copied it from somewhere or Chase themselves used my " perfect card '' themselves, after all since they claim my card could not be duplicated then that leaves them as the other other way my money, {$2000.00}, disappeared into thin air, they said. They also said I had to have made those withdrawals even though My boyfriend is a witness, and claims I was with him during one of the purchases. This is a SCAM Chase is using to either steal, or allow someone to steal all my money, get paid for it, and refuse to be accountable for any money they manage.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

Purchased custom kitchen cabinets through XXXX XXXX, CA Home Depot Store using a Home Depot ( CITIBANK ) Credit Card back on XXXX/XXXX/XXXX. After almost 1 year of non-completion of the job, we filed a formal credit card dispute with Home Depot ( CITIBANK ) Credit Card Services on XXXX/XXXX/XXXX. As of today we feel that our case is being purposefully delayed due to Dispute Team Member " clerical errors '' and they are unable to commit to a date in which we will receive our " FINAL RESOLUTION LETTER ''.
Consumer complaint received 2016-09-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a tale of a merchant account set up by Bank of America ( BAC ) without my permission and without any due diligence. 
On XXXX/XXXX/XXXX, I received from XXXX a package that contained a merchant account data input device that was sent from Bank of America. My wife also received a voicemail message from XXXX at BAC, XXXX XXXX XXXX XXXX, asking about some charges against the merchant account in the amount of approximately {$10000.00}. 
On XXXX/XXXX/XXXX, XXXX called me on my cell phone and asked about charges on a merchant account. She said the account was opened in my name with my social security number ( SSN ). I told her that I did not open the account so she said she would close the account. 
I immediately checked my credit reports for XXXX through a XXXX online query. None of the XXXX agencies had a record of a recent request for credit. 
In a later call to BAC, I obtained the merchant account number : XXXXXXXXXXXX. 
I filed a report with the local XXXX ( XXXX ) Police Department ( XXXX ) on XXXX/XXXX/XXXX. The XXXX kept the shipment from XXXX including the data input device as evidence. 
On XXXX/XXXX/XXXX, I received a call from XXXX XXXX, reportedly from XXXX XXXX XXXX XXXX My cell phone said the call came from ( XXXX ) XXXX. She said she was making a credit claim as a credit collection service for XXXX XXXX XXXX in the amount of {$1900.00} against the aforementioned merchant ID account number XXXXXXXXXXXX. She gave me a reference ID number YYYYYYYY and a direct line phone number to call her back ( XXXX XXXX XXXX. I told her that the account had been closed by BAC last year ( as described above ). 
I called XXXX to discuss the status of this and spoke w/ Nativa at BAC mobile support, ( XXXX ) XXXX. She said that the merchant account was closed and that the call was a phishing call and that I should ignore it. I asked her to send me a letter or an email to confirm what she said and she said that she could not do that. 
I have not called XXXX XXXX to follow up on their claim. 
I have been damaged by the reckless manner in which BAC opened the merchant account without due diligence and I continue to be harassed by other parties as a result of their gross negligence.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XX/XX/ began disputing credit report. Experian, XXXX XXXX, XXXX et al have reported inaccurate information on credit report and have not deleted information reflecting an accurate credit score.