davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (GA)

XXXX. In XXXX I obtained, what i know now as, a sub-prime loan, from a predatory mortgage company, XXXX. I had an adjustable rate mortgage, based on the XXXX. During the last XXXX or 3 years, the news revealed that XXXX banks connected with the XXXX had manipulated the market in favor of themselves ; to the detriment of consumers. So, not only was I a victim of my own country 's predatory lending practices, I was also a victim of the XXXX XXXX My margin was XXXX and the floor was 9.90 % .. I did n't understand then, but I do understand now, how much of a financial disaster those terms were. Regardless of climate, or payment history, my rate would NEVER go below 9.90 %. 
I have never been 30 days late. I have always paid a little extra in my payment, with the hope of reducing my principle balance to the point that i would be paid in full, prior to the 30 years maturity. 
In XXXX, I was a victim again, as so many others were, of the economy. My employment dried up, the equity in my home, that had been growing no longer existed. From XXXX until now, i have been out of work for XXXX or 3 years total. I have used every dime in savings to keep my mortgage payment current. When my loan was transferred to OCWEN, i tried to get a refinance or modification or something. I was told i could only be helped if i was in default and they could work out some kind of disastrous deferred payment plan. There plan scared me so badly -- i knew that I would have never been able to dig out of that hole. Their customer service reps were all deficient in the English language and had no empathy in trying to help a person get through those horrible financial times. 
The interest rate began to drop finally and significantly to below 5 % for a fixed rate -- and there I was still paying 9.90 % ... never once was I able to take advantage of the rates that were being offered to help people stay in their homes. Never offered XXXX or XXXX My mortgage company was biased toward foreclosure! Especially because I have an address in XXXX that was more poised to economic recovery, than some of the other neighborhoods. 
I was finally granted a modification from Ocwen in XXXX - my rate went down to 3.750 % - ( fixed rate ), BUT -- I have an {$85000.00} balloon payment due at maturity!!!! I will be XXXX XXXX XXXX at maturity. I have always paid my mortgage on time ; I have paid a rate of 9.90 % for years when the rate was less than 5 % in the market. I have always paid a little extra on my principle -- - I will never, EVER, be finished paying this horrible mortgage!!! should i have walked away, and sent them the keys, as so many other consumers have done!!??? This company has made a fortune on me and so many others!! Where will i work at age XXXX -- I can barely find work at age XXXX ( now )!! This {$85000.00} is a false number -- I should have never signed a note with a 9.90 % floor -- but they convinced me that i had the best rate in the world!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

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 2017-08-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AR)

I recently was denied and FHA streamline loan, and was forced into a higher interest loan from Quicken loans and then not given the refinances loan because of the appraisal that I did not have to have .Even as my house appraised for more than the amount of the loan .I believe I am being discriminated against because of my color and the demographics of the community in which the house is located .I was told I was denied the loan because the loan officer made a mistake and tried to put me in the wrong type of loan, Yet I am still denied credit because of their mistake .It is obvious that race and demographics is the deciding factor in the case. This will cost me thousands of dollars over the life of the loan and is blatantly discriminatory.
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK (SC)

On XX/XX/2016 Gateway Mortgage sent an escrow disbursement to my homeowners insurance company. On XX/XX/2016 thee check was returned by the bank which meant my homeowners insurance was n't paid. I got a notice from the insurance company about this which said the payment was due on XX/XX/2016 and they never received a payment. I got in touch with the mortgage rep who emailed the escrow dept and I guess they sent another check by regular mail which means the insurance had not gotten it on XX/XX/2016. Nobody ever offered any kind of explanation for what happened. If my insurance agent had not called them we would have never know they even mailed another check late. I had more than enough money in my account to cover the check. I think they owe me some answers for this, for which they refuse to give. They wo n't even say I 'm sorry. If you call and ask for a supervisor they will just tell you they are all in meeting.
Consumer complaint received 2017-08-30
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. (NY)

Credit reporting agencies of Equifax, XXXX and XXXX are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.
Consumer complaint received 2017-01-20
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation (FL)

Description of issue : We were clear to close on the buyers side since XX/XX/2016. The loan office and the seller have been going back and forth for XXXX weeks since then trying to get all the well documentation in order. We have been impacted by this financially in having XXXX addition weeks of temporary housing cost and we lost our rate lock as of XX/XX/<YYYY> They refused to extend the rate lock and now the new rate is an increase of approximately {$92.00} a month. The delay due to poor communication on the lender side and seller has cost me significantly and I would like to know what rights I have in this. They had all closing documentation XXXX hours prior to our rate lock expiration but could not make closing by the deadline.
Consumer complaint received 2017-08-30
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. (MT)

Upon trying to secure a loan for a large ticket item, I learned that Equifax XXXX XXXX XXXX, was reporting incorrect information about my credit profile. I called Equifax numerous times to correct the errors and was told by many representatives that my file had been " XXXX ''. Apparently this happens so often that they have their own department to handle " XXXX '' files. On XXXX XXXX, XXXX, I filed a dispute with Equifax for all of the errors in my report to which they claim to have " verified '' all the erroneous accounts as being mine. In addition to this they did not complete their investigation until XXXX XXXX, XXXX, 31 days after I filed my dispute. On XXXX XXXX, XXXX, I contacted Equifax and requested their " Method of Verification '' that is statutorily required. They not only did not know what I was talking about, after several transfers to mangers and supervisors, they flat out refused to provide the documentation, as required under federal statue, to me.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Consumer Financial Protection Bureau, case # : XXXX Transunion Credit file : XXXX, reply to letter of XXXX 
Please see ( PDF page XXXX of Trans Union complete credit report ) the attached exhibit as documentary proof of Trans Union 's disingenuous response of what it was instructed to do by the creditor. ( see CFPB response ) and of the willful malicious insistence to continue reporting said adverse and incorrect information. 

Sincerely, XXXX
Consumer complaint received 2017-08-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo sat in front of my uncle and I and promassed him every thing was taken care of pain his XXXX. Was not true all paper work was not taken care of. I lost everything. XXXX XXXX, XXXX XXXX to present XXXX XXXX. XXXX. XXXX XXXX is my name XXXX
Consumer complaint received 2017-08-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Santander Consumer USA Holdings Inc. (CA)

I have a lease agreement with Santander consumer USA. I have to pay {$1.00} end of the lease to own the vehicle.The vehicle was repo due to non payment. When I called them they asked me to pay {$6500.00}. I sent them a XXXX XXXX for the same amount yesterday and given them the reference number of the XXXX XXXX.. They promised me that they are going to send a fax to release vehicle within XXXX. When I call them today they informed me that they ca n't release the vehicle. The vehicle is XXXX XXXX XXXX.
Consumer complaint received 2017-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 've disputed this account before, and still have not seen proof that this account is mine per FCRA section 609. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.
Consumer complaint received 2017-08-30
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. (CA)

I 've disputed this account before, and still have not seen proof that this account is mine per FCRA section 609. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.
Consumer complaint received 2024-09-02
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. (CA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP (GA)

I was forced into a payment arrangement wit pressler & pressler. Upon moving out of state they stopped sending my receipts of payment or a balance of my bill. When I called them they told me they could n't call or mail me my statements anymore and " by the way you missed XXXX payments 4yrs ago ''. I asked for copies of my statement with my balance from that point forward but was denied. I felt I was not being treated legally and wanted my statement before I mad another payment. They told me they would ask and mail me a response. I never got one. They are now trying garnish my wages for 9xs what I was paying before. They once again said they would ask for permission to send me my statement but in the mean time they would only reduce my payment to 5xs what i was paying before. I 'm 17hrs away and cant get to court to defend myself. What do I do?
Consumer complaint received 2017-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (MT)

Lending Club repeatly has denied my applications for debt consolidation loans over the past 4 years, and yet they keep sending me invitations to apply, with a pre-approved amount of up to {$35000.00} or {$40000.00}. 

Despite the facts that I have an excellent repayment history and a good credit score, they continually deny my applications due to debt-to-income ratio and excessive debt.
Is n't that why they sent me the invitation in the first place, so I could consolidate those debts?!?!?!?!?!?
They know darn well what my credit score and income are.
This deceptive practice must stop.
Consumer complaint received 2017-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (KY)

I called into the PNC call center about a 2 overdraft fees. I was sent to the escalation department. The case worker there was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded regardless of who I spoke to ''. I was told that if I had a problem with that I could send a letter to corporate. Today, X/XX/17 I called the corporate line I found online. A male consultant then told me that if I wanted to go ahead and use my card, I could opt into overdraft protection ( which would just charge me more in over draft fees. ) I have been treated aggressively and the customer service reps refused me the opportunity of speaking to a supervisor. I feel the refund was due because of a bank error. I had an overnight direct deposit come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account. I am not asking for ALL 6 of the overdrafts ( at {$36.00} each for a total of {$210.00} ) they have charged me this month. Just the 2 that went through last night.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Hello and good day, it's been months and my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what you are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2017-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

Dear CFPB, My fixed 30 year mortgage with VHDA when up from approximately {$2300.00} to approximately {$2400.00}. VHDA and XXXX XXXX reported to me that my mortgage was a 30yr fixed mortgage when I bought my new townhouse. Now I have been told by VHDA that my HUD insurance when up. VHDA told me to call HUD for further explanation. I called HUD FHA Resource Center and they referred me to CFPB to file a complaint to VHDA. I hope you can investigate my case ( FHA Case Number XXXX ) at your earliest convenience. I appreciate your assistance. 

Best, XXXX XXXX
Consumer complaint received 2017-08-30
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: WELLS FARGO & COMPANY (UT)

Wells Fargo ... ... I tried to dispute it as instructed, they have been taking 4 months to resolve it, the law says 30 days
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This account is involved in litigation. This has been going on for over XXXX year which is a violation of the FCRA and FDCPA. This has caused me harm in trying to buy a house and a car because they are violating my rights.
Consumer complaint received 2024-09-02
Product: Credit reporting 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. (TX)

I WAS RECENTLY CHECKING MY CREDIT REPORT AND I NOTICED THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FOUND NUMEROUS CREDIT INQUIRIES I HAVE NO KNOWLEDGE OF. HERE ARE THE INQUIRIES THAT I FOUND : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. I HAVE ALSO ATTACHED MY IDENTITY REPORT AS WELL.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 10 years old and must be removed from my credit report.

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to XXXX XXXX XXXX on several occasions. Despite several disputes to XXXX, XXXX and TransUnion, they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, 9 separate messages were left for a " XXXX XXXX '' at XXXX XXXX XXXX. None have been returned.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Debt Management Solutions, LLC (CA)

Sometime in 2015 a company representing itself as Nationwide Debt Management Solutions began leaving messages on our home phone saying we needed to contact them about an unpaid debt. Suspecting it was a scam, we ignored it. Now they 're leaving messages on the cellphones of my XXXX sons, compounding the harassment. I have refused to call them to discuss anything because if my wife and I owed an unpaid debt, I 'm sure we would have heard about it from the creditor, which we have not. 
I would like to know if this operation is a legitimate debt collection agency, or if it 's a hustle preying on weak and uninformed citizens. 
The call-back number they leave is XXXX.
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (MD)

On Friday ( XXXX/XXXX/16 ) I went to a Key Bank location close an account on behalf of my deceased mother. I had all the appropriate legal documents to close the account. The nice Key Bank employee informed me they could not close the account because the " system '' was down. The Key Bank employee had no idea when the system would be functional again. I called today ( XXXX/XXXX/16 ) and Key Bank 's " system '' is STILL down! So I still can close the account. The Key Bank employee I spoke to today ( XXXX/XXXX/16 ) says they STILL have NO IDEA when the system will be functional. Almost unbelievable that the system would be down this long!