davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MO)

I have been trying to modify my mortgage with Ocwen Loan servicing since the XXXX of XXXX. They keep telling me to send in the same documents that I have sent 6 times. I will attach the documents they have requested. I emailed the documents to XXXXXXXXXXXX every time. They say they receive them them they come back and say they have n't received them. It 's a complete joke. I had {$5000.00} to make a payment and bring the loan current on XXXX XXXX 2015 and was told they wo n't except it because they needed XXXX because of fees. That is illegal. I was told to apply for a modification so I could save my XXXX and the modification would bring me current. If the modification does not go through them I am screwed. I need them to get the modification done now! They have all the document ion they need to get this done and they have XXXX copies of everything.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In XXXX 2015 I paid several outstanding medical bills. These were removed from my credit report only to be re-added again. I contacted both Trans Union ( I have heard nothing ) and the collection service. They promised to have these items removed 3 weeks ago. That was supposed to happen within 7 days. Its has not. 

My credit rating rose to XXXX XXXX XXXX and and 2 days later dropped to XXXX. This was direct result of the paid items being re-added. I was about to refinance my home and am now unable to secure a better rate. 

Thank-you for your assistance in this matter.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AZ)

Per attached letters from XXXX my account was only XXXX time XXXX,XXXX,XXXX,XXXX,XXXX,XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.
Consumer complaint received 2016-01-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (CA)

XXXX XXXX, XXXX CFPB Can you help me get these " Qualified Written Requests '' answered? 
Please consider this information petition a " Qualified Written Request ''. 
1. In the 3 month trial loan modification dated XXXX XXXX XXXX, page XXXX, it states " we ( Planted Home Lending ) will hold the trial period payments in an account until sufficient funds are in the account to pay your oldest delinquent monthly payment ''. Could you please send me a breakdown of how these amounts were distributed? Also how were the next three months payments applied? 
2. Please send me a complete escrow statement for XXXX. 
3. There have been several changes in the last couple of years as in ; sold, transferred and contracted. We need to correctly up date our records. Who is the current Note Holder on our loan?
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (IL)

Seterus has been notoriously slow in processing my client 's loan modification. My client was approved for a HAMP trial modification back in XXXX XXXX to begin XXXX/XXXX/XXXX and end XXXX/XXXX/XXXX. He completed the trial successfully. It then took 5 months for the borrower to receive permanent modification documents. We signed and returned them in the beginning of XXXX XXXX. Ever since, I have been trying to ensure the modification is processed and finalized before closing the file of this case. I make weekly calls to Seterus and each time I call the call is at least an hour in duration, most of that being time on hold. Needless to say that we still have not reached a resolution. In my latest phone call today I was told that during the drawing up of the modification documents there was an error with the title portion, that is potentially going to force Seterus to redo the mod documents and my client will need to sign and return the documents again. My first problem with this is that if it took them 5 months to draw up the documents manually in the first place, then how could there be an error and why is it taking MONTHS to correct this issue? Every time I call Seterus about this client, I always speak to someone different and no one ever gives me any answers. I find this very discouraging to my client. He is elderly and thought he was finally at the end of this process. only for the delay to continue for no reason.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My Information was exposed during a data breach. The following accounts are fraudulent. The following inquiries are unauthorized. XXXX. XXXX XXXX XX/XX/XXXX {$480.00}. XXXX. XXXX XXXX  XX/XX/XXXX {$760.00}. XXXX. XXXX XX/XX/XXXX {$880.00}. XXXX. XXXX XX/XX/XXXX {$4300.00}. XXXX. XXXX XX/XX/XXXX XXXX. XXXX. XXXX XXXX XX/XX/XXXX {$600.00}. XXXX XXXX XXXX XX/XX/XXXX {$670.00}. XXXX. XXXX XXXX XX/XX/XXXX {$1000.00}. XXXX. XXXX XXXX XX/XX/XXXX {$240.00}.
Consumer complaint received 2015-09-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

California Business Bureau of XXXX, CA, has attempted, on numerous occasions, via their representative XXXX, to collect over {$1000.00} above the principal balance of an alleged medical collection with XXXX Hospital in exchange for deletion of this account from my credit report. The company claims they have validated this debt with statements and bills in 2010, however, I stated I do not recall this, and they have refused to send updated copies of this debt validation to my current address or remove this from my credit reports. 

California Business Bureau has attempted to extort excess money from me, the consumer, in exchange as a barter for deletion from my credit files. I believe this to be a violation of the FCRA and a very unethical practice. 

I have disputed this debt with the original creditor as well, XXXX HOSPITAL, who claims that the debt is valid based upon me recalling one of the services performed ( XXXX ), though I still dispute the dates of service in question and total amount said due. The original balance is quoted as being {$1700.00}, and CBB is requesting over {$2800.00} to close the debt and remove from my credit report. 

In addition, I have filed a complaint with the XXXX and the Attorney General in California for this company 's extremely unethical business practices. Note that XXXX, CBB Agent, stated " I 'm not supposed to do this and normally we do not do this, but will delete this for you if you pay this amount ''. The company has refused to further dispute this information, nor has accepted responsibility for the attempted bartering with their agent and non-compliance with FCRA. It is also worth noting that NEITHER THE ORIGINAL CREDITOR ( XXXX HOSPITAL ) OR THE COLLECTION AGENCY ( CALIFORNIA BUSINESS BUREAU ) HAVE COPIES OF MY DRIVER LICENSE, SIGNED DOCUMENTS BY MYSELF, or SOCIAL SECURITY CARD proving this is my debt, or that I was seen on the alleged date of service for the alleged services.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-26
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)

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

Account Name : XXXX  # XXXX BALANCE {$1500.00} Account Name : XXXXXXXX XXXX XXXX XXXX BALANCE {$1100.00} Account Name : XXXX CARD # XXXX BALANCE {$5500.00} Account Name : XXXX XXXX  # XXXX BALANCE {$20000.00} Account Name : XXXX XXXX # XXXX BALANCE {$3600.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX XXXX # XXXX BALANCE {$4600.00}
Consumer complaint received 2024-08-26
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)

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

Account Name : XXXX XXXX XXXXXXXX - BALANCE {$0.00} Account Name : XXXX XXXX XXXX - BALANCE {$0.00} Account Name : XXXX  # XXXX {$340.00} Unauthorized inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-02-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (RI)

Have been trying to get the bank to correct my monthly payment based on a corrected Town tax rate/amount. I have sent several faxes, have spent hours on the phone, have spoken to several of their representatives about the issue. It still as on writing this note not straightened out. They seem un-willing or unable to make a simple correction to the monthly payment amount due. The town has also spoken to ... .and faxed information to the bank. Now, they have my account is " suspense '' because I am not paying the incorrect payment amount they keep saying that I owe. I have been paying an amount that was provided to me by XXXX of their employees. As soon as today, the Town again faxed the correct tax amount due to the bank ... ..who just recently made a payment to the town that Was not due until XXXX XXXX. I do n't know what to do with this bank. They seem to be unable to correct something that should be simple and with no hesitation. There seems to be poor communication between their departments. Please help. I have plenty of documentation that I could sent. It would take me some time to organize it all ... .as there is a lot of it.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

After looking at my credit report I found several fraudulent accounts and error reporting information due to being a victim of identity theft, including inquiries, auto loans, credit card transactions, wrong address, incorrect balance owed, reporting dates not accurate, and personal loans Please reference Attached Documents with Identity Theft report with specific details.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had an existing LOC on my house... the balance was XXXX for a significant amount of time. Suddenly there's a charge of $ XXXX on my credit and XXXXXXXX XXXX  is putting me in default. I never used my LOC, I never charged anything, it is 100 % FRAUD. The bank can not tell me or figure out or trace how the check was written, cashed, or used online. I have no idea how the XXXX change came on my credit report/ LOC and the bank can't give me details either. I am not showing XXXX days late on my credit report for a non payment on a charge I never did. This is fraud. Please help
Consumer complaint received 2016-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Radius Global Solutions LLC (MA)

My student loan account has been with the Ombudsman Group at the DoE for well over 400 days and today, I spoke with yet another collection agency ; Central Credit Services LLC. They had given me poor advice in XX/XX/XXXX that I should NOT file my taxes. The IRS told me this was terrible advice for anyone to give so I filed anyway. I received another letter from the collection agency and called them to please mark the account " in dispute '' and asked for some paperwork while the details are being investigated. I asked for the fine print and statutes set forth by congress regarding the Rehabilitation program. " XXXX '' told me they do not have those files. I asked again why she was denying this borrower 's rights to have all of the details in writing before a payment amount would be discussed and she responded by saying " we do n't have that ''. I reaffirmed my assertions that her agency was denying this borrower the right to fully understand this contract agreement and told her to " Have a nice afternoon '' and proceeded to end the call. I would appreciate if this topic could be examined more closely. It is frustrating to find out that I have an increasing balance when my rights are being trampled and no apparent course for restitution or correction. Please contact me if this office ( CFPB ) would like more information. I am currently compiling a file with the outrageous claims made against me since the account maliciously was sent into default by violating UDAP statutes in the XXXX XXXX offices.
Consumer complaint received 2015-07-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NC)

Hi, I received an email coupon to get {$300.00} from PNC to open a checking account. I visited PNC 's pop-up branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. A representative name XXXX XXXX helped me open the account and explained me the deposit requirements and benefits related to opening the account. After few days I receive a letter with Reference # XXXX from PNC dated XXXX XXXX, that my application for PNC Cash Builder Visa credit card was not approved. This was surprising for me as I never applied for any credit card and the representative never asked me if I would like to apply for credit card as well. I called up the customer service immediately to notify them. But they told me I will have to contact the representative or call at XXXX. I called up this number but no one picked the call and it did n't even went to voicemail. So, I visited the pop-up branch again but PNC have different representative based on days. So I decided to go their main branch XXXX XXXX, XXXX, NC XXXX. I explained my whole situation and the representative told me that they will follow up with XXXX XXXX and request the bureau to remove the credit inquiry and also train their representatives better. I called up few days later at XXXX XXXX branch again to follow up and a representative, XXXX XXXX tried to discourage me and told in order to remove the inquiry I have to send an email explaining the whole situation and it would take 90 days to make any decision and decision might not be favorable. He further tried to sell me a secured credit card. I clearly told him I do n't want a credit card and would like to get this incorrect inquiry removed from my credit report. 
I seriously feel PNC should train their representative better and should be transparent with customers. It has been really terrible experience gettign transferred from customer service to the pop-up branch to branch and then agian to branch. Each time a representative tell a different thing or try to sell PNC product.
Consumer complaint received 2015-06-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America is suing myself and my husband. We have XXXX accounts with them and we have been with them for about XXXX years. They refused to lower our APR and we were paying XXXX on each account each month. We have not received a bill in over XXXX years and we even called them about not getting our bills but nothing happened. They called us about XXXX days ago and told my husband that they had the wrong address on us and that they would get back to us. We received a court summons in the mail from XXXX and we live in XXXX, from a third party that bought the accounts. Now what do we expect.
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

I was informed XXXX days ago by my future employer that I had an delinquent account totaling {$2000.00}. I called the leasing office where the debit was owed and was informed that it was for move out charges ( XXXX ) my former husband accumulated. I was no longer in the home as of XXXX. The leasing office XXXX had my contact information including email address. There was no attempt to notify me of the debit. I was just informed the day I called. The total charges were {$1800.00}. They referred me to collection agency IQ Data International. I spoke with XXXX who informed me that I could not make payments and that they would not send me any documentation that the loan exist. My only option was to pay the balance in full and if done in XXXX days it would be deleted from my record. She stated if i could not pay i would need to get a loan from a bank. She referred me to a local bank. The next day i called and decided to make payments and not take a loan out because of the state of my current credit score. I was transferred to XXXX again. On this day she stated my balance was now {$2000.00} that it accrues 7 % interest. She became furious when i told her i would not take out a loan and for her to send me documentation so that i can make payments. She then stated that i was refusing to pay the loan and finished stating some sort of disclosure. I asked to speak to manager she said he was at lunch. I hung up called back spoke to another associate who said she could not speak to me about the account but that that managers where on lunch but she provided me with his ext. The managers voice mail had no greeting of the agency or managers name. I left a message and have yet to receive a call. How can i be responsible for paying a debit that i was not informed of then when i reach out to the collection agency they are not providing me any documentation. Do I not have rights, am i just expected to send money to an agency i do not even is legit.
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (OH)

Hunter Warfield debt collection company has reported I owe a debt of over {$1000.00} which they purchased from a lease company called XXXX XXXX out of XXXX, Ohio. XXXX XXXX fabricated these charges in retaliation for me reporting and complaining about illegal activity on the apartment complex property which endangered myself and my children. When we broke our lease because of unsafe conditions and repeatedly being victimized by theft by other residents and their guests the leasing company withheld my security deposit and fabricated charges for non-existent " damages '' in order to recoup the rent that would have been owned had we fullfilled the remainder of our lease. I informed Hunter Warfield of this on every occasion that I spoke with them. They insisted they had verified the debt was " valid '' by taking XXXX XXXX 's word for it. I told them I had XXXX photos of the apartment on the day we moved out showing there were no damages but they refused to let me send them to them. After repeated contacts to my cell phone I informed them I did not want them contacting my cell phone anymore and requested they only contact me in writing. Collectors were rude and hung up on me when I made these statements, only to continue calling back to my cell phone multiple times. Their collection practices were aggressive, threatening, intimidating and illegal when they refused to stop calling my cell and refused to contact me only in writing. They also did not do a proper job of validating this debt as there were no damages to the apartment at all. I have now been denied a mortgage loan to purchase a home due to this specific item appearing on my credit reports.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (VA)

I discussed refinancing my FHA mortgage loan with Quicken loans. I asked what the cost of the loan would be. I told the loan agent that I did not want closing cost of more than {$5000.00}. XXXX XXXX stated that was workable. When I got the loan papers my closing cost were {$20000.00}. {$11000.00} was loan origination point. She never stated there was a point. I asked her what her fees were I believe it was {$690.00}.
Consumer complaint received 2015-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

XXXX XXXX charged me a bill I did not owe. They also put XXXX separate charges but XXXX separate collection agencies on my credit report. After a few disputes XXXX was deleted. However the other remained. Both XXXX and the collection agency Enhanced Recovery keep passing the buck saying I owe this charge. Most recently I just received a noticed addressed to a former resident of my address with the same XXXX charge info. I had no knowledge of the prior resident I just happened to open the wet letter to see what it was in my mailbox.