davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I had a mortgage that was purchased by Ocwen Loan Servicing many years ago, I never agreed to do any type of business with this company. It was on or about XXXX of 2014, when I had some damage to my home. I put in a claim with my homeowners insurance company, The did everything that they needed to in order to issue a check for the damage. This check was written to Ocwen and myself. according to Ocwen, I was instructed to complete the needed repairs, paying all repairs from out of pocket expenses. I informed ocwen that I was not in a financial position to do this. they refused to sign the check and allow me to pay a contractor. At this time the home was no in any condition to reside in. I was forced to leave this causing me to not be able to pay the mortgage cause i had to pay to live elsewhere Since then they have placed my account with an attorneys office for foreclosure. I told the attorney that i would sign off so they can just take the home. Ocwen has been calling me up to XXXX times a day even after i have talked to a rep they would continue to call.
Consumer complaint received 2016-01-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (CA)

Hi I was member of nationwide biweekly program and they stop making payments of my loan without communicating to me in writing or making a phone call to my cell. I was a member of this program since XX/XX/XXXX to XX/XX/XXXX I had read that there is a suit to this company, I would like to know how to get more info since the nationwide has not telling much about the problem Thanks XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX - BALANCE {$1400.00} XXXX  XXXX Bankruptcy # XXXX Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

We have been having a problem with a mortgage Modification loan with GMAC Mortgage, Owcen Loan Servicing and XXXX since XXXX/XXXX/XXXX. Yes some three and one half years. I have experience misdated letters, miscommunications, multiple relationship managers, 4 approvals for a loan and mortgage amounts and loans which did not match the information I was given by these companies. Since this has been dragging on since XXXX we have had to incur some {$88000.00} of interest and fee 's we believe needs to be credited on the loan by Owcen Loan Servicing, LLC. They are now trying to schedule a " Trustee Sale '' for XXXX/XXXX/XXXX even though they have a new packet ( application ) in review which is a violation of The federal governments Affordable modification Act. I have just sent all companies concerned a demand letter asking to have the " Trustee Sale '' Cancelled upon pending application review and to send us a certified letter no later than XXXX/XXXX/XXXX resending that sale. We are in receipt of all communications with these companies, expanded summaries of the situation and a " TIME LINE '' upon request. Our HUD/XXXX Representative from XXXX XXXX - XXXX XXXX XXXX suggested we file this complaint with your office.
Consumer complaint received 2015-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MD)

I had a phone account with XXXX. As I was traveling abroad frequently I requested them to charge only to keep my number active. They did ask me to pay {$20.00} per month for one or two months and then refused to do any extension. so after two months they started to charge regular amount of $ 52.00+change, I then called them to disconnect my account and sent them my final payment of $ 52+change. They did not cancel my account and kept billing me for next two or thee months. When I called them why are they still sending me bills, when I had canceled this account. There reply was that they have no record of my calling them and still have to pay three months and late fees. I refused to pay as I was not responsible for their mistake. This is about four years back. I never received any letter from any credit company. Now they have put on my credit report thru some AFNI credit.This is more of a black mail as these companies can getaway because they are too big & nobody can fight with them.This so called debt is about four years old.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the FCRA, once accounts are disputed and then deleted from your report, if those accounts are later reinserted, the CRA 's must notify the consumer of the reinsertion within XXXX business days.On XX/XX/year>, several disputes were deleted from my credit report, only to be reinserted later. I have yet to be notified. Lastly, in accordance with the FCRA, the listed accounts below are the accounts once deleted then reinserted. The CRA 's have violated my federally protected rights of privacy and confidentiality under these said laws:15 USC 1681 2 ( a ), 15 Us 1681 s602A, and 15 USC s604A ( 2 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXXXXXX 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 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

I have received a past due notice on my mortgage from, Ocwen mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
My Bank, XXXX XXXX, sends my payment automatically at the beginning of each month between the XXXX and the XXXX. 
My XXXX XXXX payment was sent on XX/XX/XXXX. Ocwen has not cashed it yet. I called and talked with XXXX, customer service number XXXX. He insinuated my Bank was at fault because they are the senders. 
I had the same problem XX/XX/XXXX with Ocwen and I wrote a complaint you people because of a similar complaint in XXXX of XXXX with Ocwen. The difference in XX/XX/XXXX the mortgage payment was sent on XX/XX/XXXX and cashed on XX/XX/XXXX by Ocwen causing a late fee. XXXX and XXXX were resolved pursuant to a complaint made to your agency in XX/XX/XXXX, except for an erroneous late fee they keep sticking on my bill, which I was told would be taken care of, but never was. I do n't know what happens in XX/XX/XXXX, at Ocwen. The other 11 months seem to work sort of, the only problem that continues is an arbitrary late fee that appears from nowhere. This situation is getting extremely aggravating. I have through my bank very detailed documentation if needed. I hope this can be taken care of permanently at this level. I thank you for your past help and your patience for doing this line of work.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This account has been paid in full since XX/XX/year> XXXX has consistently reported to the credit bureaus every month as if I owe. XXXX never sent me a letter I was notified by student aid.gov I went in XXXX as websit in my XXXXr and thats when I saw the letter that I have attached on XX/XX/XXXX XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request for Removal of Fraud Alert and Correction of Credit File Status Dear TransUnion, I am writing to formally request the removal of the fraud alert and any associated status from my credit file. The specific entries I am requesting to be removed are as follows : Credit File Status : Fraud Victim ( associated with trade ) Report Blocked for Promotional Purposes I believe these entries were added to my credit report erroneously and are no longer necessary. I have taken all necessary steps to secure my credit information and ensure the accuracy of my credit report. 

Please ensure that my name is correctly spelled as XXXX XXXX XXXX, with the correct date of birth XX/XX/year>, and the correct address XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Kindly make sure these are the only name and address that are reporting on my credit report. Additionally, please ensure that both of my jobs are reporting accurately : XXXX 'S XXXX XXXX XXXX and XXXX XXXX XXXX 

Please find enclosed copies of my identification documents and any relevant information supporting my request. I kindly ask that you process this request as soon as possible and provide me with written confirmation once the changes have been made. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2015-11-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (AZ)

I called Flagship in regards to my vehicle loan to let them know that there was a {$4700.00} check on its way to them. I asked to be transferred to the total los department as that was where I had been previously told that was who I needed to talk to. They bounced me around the first time I called and the. Sent me to someone 's voicemail. I hung up and called back. I asked to be transferred to the total loss department once agin. They transferred me to a female named XXXX who stated that she was my representative. I asked if she was in total loss. She said that she was not. I asked to be transferred and she declined to transfer me stating that she was handling my account. I informed her that the check was on its way from the gap insurance. She asked me to hold on and then placed me on hold. She kept me on hold for approximately 5 minutes. When she came back on he line she then proceeded to tell me that she had to transfer me to another department. I asked her why she did not just transfer me when I asked and she would not answer. She kept talking over me. I asked to speak with a supervisor. She said she would transfer me. The next thing I know I am listening to a XXXX recording. I hung up and called and spoke with a supervisor who stated that she must have dialed the wrong number.
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

i have already submitted my 605c forms through the cfpb, however after following up wiith transunion, they are denying that they have recived any dispuites through the cfpb
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX : Real Time ResolutionsXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, CaliforniaZip Code XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California Account No. : XXXXDear XXXX XXXX XXXX : This email is in confirmation of the information contained in your facsimile transmission XX/XX/XXXX, of the unsigned letter from XXXX XXXX XXXX Customer Servicing Department dated XX/XX/XXXX entitled " Notice of Assignment, Sale or Transfer of Servicing Rights, which in sum and substance states that the servicing rights to the above referenced account representing my second promissory note, in the approximate amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$100000.00} ) dollars, secured by deed of trust, was sold by XXXX, a operating division and, or subsidiary of XXXX XXXX XXXX, to Real Time Resolutions XXXX Inc., on or about XX/XX/XXXX, at a time when I was engaged in Chapter XXXX, Bankruptcy proceedings before the United States Bankruptcy Court for XXXX California XXXX, California, without having first applied to the court for relief from stay from the provisions of Section XXXX ( a ), of the United States Bankruptcy Code. I have been able to determine, from other sources at XXXX XXXX XXXX, that this notice was intentionally or negligently defective in that it failed to state that the promissory note and deed of trust encumbering the above referenced real property were also sold by XXXX XXXX XXXX to Real Time Resolutions , Inc., on or about XX/XX/XXXX, also without obtaining the consent of the Bankruptcy Court for permission to engage in an action which does or may affect my rights as Debtor to property of my Bankruptcy Estate. 

This sales transaction has additional ramifications in that I never received notice of the sale of the promissory note and deed of trust, from any party to the transaction, as required by California law, and was thereby prejudiced in my ability to determine to whom my obligation was owed so as to make payment on the promissory note or to otherwise discharge the amount represented by the promissory note as being unsecured by the deed of trust due to a lack of equity in the real property at the time of the filing of my Chapter XXXX, Bankruptcy Petition, sufficient to cover the amount of the obligation. 

My attorneys have advised me that I should reopen my Bankruptcy proceedings to unwind these transactions and obtain a discharge of the promissory note and deed of trust. To that end I have petitioned the Bankruptcy Court to reopen my Chapter XXXX Bankruptcy proceedings. However, I have held preparation of a complaint seeking the avoidance of this obligation in abeyance due to the considerable expense of prosecuting a complaint for avoidance of this lien and the representations made by XXXX XXXX XXXX that it was willing to voluntarily reconvey the deed of trust to me and cancel the promissory note. If this is still the case please advise me in writing on or before close of business XX/XX/XXXX 


Regards, XXXX XXXX
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I continue to be harassed by XXXX XXXX. They are still attempting to collect a debt ( shown as open collection on my report ) despite numerous disputes. At last they sold the account to XXXX, XXXX XXXX XXXX XXXX when they/I requested information to prove the collections was legitimate the recalled the account from XXXX, XXXX et al. instead of providing proof. The account was closed by XXXX XXXX XXXX, 2006 after I paid a court mandated judgment. Somehow XXXX had reopened the account and I paid on the so called debt further due to the harassment. I have contacted XXXX both in letter and by phone, notified all credit agencies and the " collection '' still shows active on my report. Please let me know how this can be removed once and for all ... .I do not owe this debt!?
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

in XXXX this company appears on my credit report I asked them to send me one prueva of this debt now in XXXX this company appears on my credit report with a charge of {$500.00} aks that information of this debt i never received approved of this derbt never contac me and no results only it comes out that this update this account so therefore I want this debt is removed
Consumer complaint received 2015-11-18
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Credit Plus Inc (FL)

This company send me a letter pretending to be my mortgage lender saying that i qualify for a reduction in my annual mortgage insurance premium. They ask me few question and told me that someone would pass by my house to sign some papers. I need to mention that they never identify themselves as an independent financial company, neither in the letter they send to my house they specified their name. Next day in my credit bureau it come out XXXX hard inquiry that i did not authorized or recognize from a company call Credit Plus. I call my mortgage lender and they told me to report this to the CFPD and to do n't sign any paper because they did not send or call me with this offer and provably it was an scam or and intent to refinance my loan without my authorization.
Consumer complaint received 2015-04-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I consolidated my loans via fed loan and was told that Navient was paid a total of XXXX. Navient called me and told me my loans were going to be in default due to XXXX paying the debt. I am very very confused. They call and harass you and tell you that your loans are in default even though I been paying for the past 4 months.
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Stevens Business Service, Inc. (CA)

This is a utility service called XXXX that I have never opened or had knowledge of. This dates back to 2009 and XXXX reported as a charge off collection acct that is clearly past stature of limitations. This needs to be deleted immediately off my credit portfolio. Thus this is fraud that I was living in XXXX at the time. This clearley needs to be deleted from my credit portfolio
Consumer complaint received 2016-03-31
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was told by a loan officer the amount I was approved for after checking my credit and putting me on hold ( this was done via phone ) and speaking to an underwriter. The officer then told me the amount and I verified it. The officer described to me the next steps and went over the documents I needed to submit. They told me I would need to paydown my 10 day payoff first and that the bank would only forward with the paydown under the approved amount. With this information I proceeded with paying down the amount and adjusting my budget accoring to what I had been told. The day after the loan had all of my documents submitted I was called and told the amount I was approved for had changed. I tried to escalate the matter but was told nothing would change.
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XX/XX/XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion and XXXX are continuing to report incorrect information and it causing me damages. The account listed as XXXX XXXX Account XXXX XXXXXXXX this account has not been verified as belonging to me. There is no way this account has been verified because they have no access to my private financial information as it would be an extreme violation of my right or privacy. I demand this account be removed or we will have to go into civil litigation too resolve this matter.