davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-23
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Valentine and Kebartas, Inc. (PA)

spoke with XXXX XXXX at Valentine Law Offices. He has violated the FDCPA and stated that I can not consolidate my loans because he is going to submit me for garnishment which is falsifying information and a scare tactic to get me to pay him and do the rehabilitation program. He also did not state the mini Miranda on our phone call with a third party on the line. He is also way too aggressive to be handling my student loans and this agency does not deserve to service my loans. He needs to be reprimanded and sent back to training and I would like proof.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

OCWEN has been mismanaging my foreclosure for almost XXXX years now. After filing for bankruptcy my foreclosure hearing was suddenly dismissed without prejudice, which means they can refile at any time. Currently I am in conversation with XXXX different people, XXXX at XXXX XXXX, the Trustee and XXXX at OCWEN. I 'm asking to speak with someone who has the authority to dismiss the lien now that the note has been discharged and the property is a liability rather than an asset to either the bank or to me. Ultimately I would like the lien discharged or for the foreclosure court ( Maine ) to simply dismiss the case with prejudice so that I can get on with managing the property at a loss because it has sentimental value. The first step would be to identify someone at either OCWEN or XXXX XXXX who has the authority to make that decision, if in fact they agree with my cost benefit analysis and simply want to close this case. Otherwise, I want them to discuss options with me. 

The customer service at both XXXX XXXX and OCWEN has been atrocious. It seems to me this is one of the important roles of government to protect individual consumers from huge corporations ( is OCWEN approaching monopoly status? ) that are poorly run and are managing arguably the most precious asset most families will ever own. 

Please help me resolve this problem.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

JPMorgan Chase is XXXX of XXXX banks that recently pleaded guilty to an array of antitrust and fraud charges. It is the XXXX-largest U.S. mortgage lender, although it now has a new mortgage strategy. The bank pays closer attention to the credit quality of the borrowers, favoring " jumbo loans '' that are so big that government agencies will not guarantee or insure them. The borrowers must be very wealthy. What about the average American seeking a mortgage from JPMorgan Chase? 

XX/XX/2015 my daughter, with a credit score of XXXX, inquired about a mortgage for a house in Illinois. In view of the fact that her annual salary at her new place of work would be only {$30000.00}, she was told by a Chase mortgage banker that she needed me, her father, as a co-borrower. My annual income is approximately XXXX with assets in the neighborhood of XXXX. My daughter and I proceeded together and were informed in writing on XXXX XXXX, 2015 that our home financing experience would be " simple and stress-free from start to finish. " For the next two months my daughter and I were inundated with requests for data and information. It was a massive invasion of our privacy. My financial records for several years were required, telling JPMorgan Chase what I buy, where my purchases are made, and who receives money from me. The height of absurdity was reached when the Loan Processor and the Mortgage Banker wanted to know in writing why a credit report had XXXX first names for me, XXXX and XXXX. 

On XXXX XXXX, 2015, my daughter and I signed a mortgage application. The closing date for the purchase of our house was on or before XXXX XXXX, 2015. Several weeks before the closing date our realtor reached out to our lender for information about financing. The real estate agent informed me that she had had not heard back from the mortgage broker. My daughter and I subsequently received a Mortgage Commitment Letter dated XXXX XXXX, 2015, which was conditional upon fulfillment of XXXX conditions. XXXX condition ( pay stubs from my daughter 's employer for thirty days ) was impossible to meet by the closing date of XXXX XXXX, 2015, or by the XXXX XXXX expiration date of the Commitment Letter. The Mortgage Banker knew from a document e-mailed to him on XXXX XXXX, 2015, that my daughter 's three-year contract would not begin until XXXX XXXX, 2015. 

Needless to say, my daughter and I did not sign the Commitment Letter. I purchased the new home with cash by selling all of my JPMorgan Chase equities, which in ten months had increased in value by only XXXX percent, and by selling some of my XXXX XXXX holdings, which had increased in value by XXXX percent during the same time period. JPMorgan responded by taking {$450.00} from my daughter 's checking account for having " voluntarily '' withdrawn from an " approved loan. '' Our experience with JPMorgan Chase supports the conclusion of U.S. Attorney General XXXX XXXX that JPMorgan chases profits without regard to fairness, to the law, or to the public welfare.
Consumer complaint received 2024-11-13
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. (GA)

I am filing this complaint due to inaccurate and incomplete information being reported on my credit report. I have reviewed my report and found several issues that need immediate correction and deletion, which are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following errors exist on my credit report : Inaccurate Names : Multiple variations of my name are listed, including incorrect spellings and versions of my first and/or middle names. The only correct name should be. I attached a letter Incorrect Address Information : Several addresses are reported that I have never lived at or have no association with. These addresses should be removed and replaced with my correct address : [ I attached a letter ]. 
Incorrect Phone Numbers : The phone numbers listed on my credit report are inaccurate. My only valid contact number should be I attached a letter ].

Incorrect Employment Information : My employment history is incorrectly reported. The correct employer is I attached a letter, and all other entries should be deleted.

Removal of Social Security Number ( SSN ), Date of Birth ( DOB ), and Year : I request that my Social Security number, date of birth, and year of birth be removed from my credit report to ensure the safety and privacy of my personal information. 
I have already contacted the credit reporting agencies to address these issues, but no meaningful corrections have been made, and the errors continue to affect my credit profile and score.

In accordance with the FCRA, I request that these inaccuracies be corrected, and the proper information be reflected on my credit report. Under the FDCPA, these agencies are obligated to ensure that only accurate, verifiable information is reported. I am requesting that these inaccuracies be fully removed from my credit file and that an updated credit report be sent to me showing all deletions.

Failure to comply with these requests will result in a formal complaint to the Federal Trade Commission ( FTC ), and I may pursue further legal action under both the FCRA and FDCPA.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MI)

Account was closed abruptly. Set up payment plan. {$25.00}. a month. All interest and fees stop.They continue to charge me huge payment statements with interest and fees. When trying to contact. My calls keep get forwarded and XXXX hung up on.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BMO Bank, N.A. (IL)

I contact BMO Harris Bank back XXXX 2015 for a short sale. At the time, I was working with XXXX XXXX and XXXX XXXX. they were both great to work with and very good at getting back to me, and vice versa I provided whatever they needed in a very quick turnaround. Well after getting approval, the buyers financing fell apart, so the deal was dead. About a month later we received another buyer netting same thing to the investor but I was transferred to working with those XXXX ladies to working with XXXX XXXX, and immediately following to XXXX XXXX now. She is horrible at responding to emails, and does not return phone calls and we are going on and on now waiting for approval again of something the investor already approved a month before.
Consumer complaint received 2015-09-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OK)

I moved into my home in XXXX of 2014. Since then I have been receiving statements for the previous occupants. I have been returning the statements through the mail with a line through the address and XXXX written on the front of the statement. When that failed to stop the flow of statements I called JPMorgan Chase 's customer support line. The customer support representative told me to bring the statements to a branch which I did. When I received additional statements I filed CFPB Case number : XXXX. I have received additional statements since filing the complaint so I am opening an additional complaint to cover the new statements.
Consumer complaint received 2024-11-13
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. (NJ)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2016-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (MA)

I was contacted in XXXX of XXXX by a Cedar Financial that I had a {$330.00} ticket stemming from a trip to XXXX in XXXX of XXXX. He threatened to report it to my credit when I said that I never was pulled over or was issued a ticket. He said that I was photographed in a high congestion area and that I was given a ticket that now had several late fees associated with it and I had better pay it now. They have called me incessantly since, even after I told them that I needed to see evidence and I certainly was n't responsible for late fees when in good faith, I had no knowledge of this ticket and dispute that I was in that area.
Consumer complaint received 2015-09-21
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (TX)

I had my home with XXXX MORTGAGE, I asked for a loan modification and was denied several times. Then they sold my loan to Green Planet. I asked for a loan modification, and they denied me for no legal reason. When I inquired about it they sold it to Planet lending. I asked for a loan modification from Planet Lending and they denied me a modification as well. My home is a M E R S account. THE FORECLOSURE PAPERS THEY TRIED TO FILE SAYS MERS AGAINST ME. M E R S HAVE NO LEGAL GROUND TO FORECLOSE BECAUSE THEY ARE NOT THE OWNER. Now Planet Lending filed a foreclosure. I am fed up with the wrong that was done to my family and myself. I am asking for help for the injustice. I asked for the recording of the sale and original contract and no one could send me anything
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (TX)

My Credit Report issued by any and all credit agencies included a list of all businesses who have check my credit and ordered a copy of my Credit Report. There were a total of XXXX businesses in the list during the year 2014 alone. None of the businesses had my permission to obtain my Credit Report. They acted illegally in obtaining my Credit Report. 
During said time, I was shopping for better insurance on my home and car on the internet. 
I was also shopping for a refinancing of my home mortgage with a small amount of " cash out '' of my equity to pay enormous medical bills not covered by my health Insurance. 
Neither of these reasons should affect my Credit Rating, but they do, for reasons I am not aware of. 
All of the companies in the list should and must be eliminated from my Credit Report. Their need for information on my Credit Report is purely speculative in nature, and prejudicial as any negative statement on my Credit Report. They have usurped their need to my demand for privacy.
Consumer complaint received 2015-07-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX 2014 certain person or persons unknown were granted access to the personal bank account of my deceased father XXXX XXXX through the presentation of a Small Estate Affidavit and on XXXX XXXX 2014 recieved a check in the amount of {$38000.00}. Though I am listed as the XXXX XXXX Executor on the Will and was listed as an equal heir to my siblings, I have not received any benefits from this bank account. I was told by BANK of America that I had no right to know who recieved these funds.
Consumer complaint received 2016-02-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation (CA)

I received notice from Franklin Credit on my door on XXXX/XXXX/2016 that my home was going to be foreclosed on XXXX XXXX, 2016. I had received a letter dated XXXX/XXXX/2016 that i was awarded a repayment plan and had until XXXX/XXXX/16 to respond. I met with my HUD certified foreclosure counselor the day i received the letter and we found that my profit and loss statement that I submitted had income for one year but listed expenses only for one quarter which made my income seem much higher. We submitted a letter of appeal along with supporting bank statements to show that my income was not as high as they calculated. I called in to ask if they received the appeal on that was submitted via email on XXXX/XXXX/2016 the day i received the notice of sale and they said they had not. However I still had until XX/XX/XXXX to respond to their repayment plan. I re faxed the appeal that had been emailed and have not heard back. 

that they were foreclosing my property while my loan modification was in review. The sale date is scheduled for XXXX XXXX, 2016.
Consumer complaint received 2024-11-13
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. (FL)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

I received an email today saying this Thank you for applying for a U.S. Bank Smartly Checking. 

We received your application on XX/XX/year>. Your application ID is XXXX. 

I called the bank and they said the application was rejected and I should report to you guys. I should also freeze my credit.
Consumer complaint received 2016-03-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a line of credit from Bank of America in XXXX they originally solicited me for the loan due to increased equity. Without inspecting, they appraised my home at {$310000.00}. Would have been {$180000.00} only months before. I took the line of credit, intending to finish my remodel, pay off existing debt, and have a financial cushion. Planned to sell the home in XXXX when my son graduated. Real estate bubble burst, I was stuck. Continued to pay interest only, never missed a payment. In XXXX XXXX, contacted by bank, reminded that line of credit becomes conventional loan in XXXX. I said I needed to have help, did not want loan to be more than actual value of house. Directed to a mortgage relief department at bank. Absolutely terrible customer service, numerous times told that they had not received documents that I had sent. Knew that was not correct, because then they would give me info that I had supplied. Finally got a good case manager in XXXX XXXX, learned that the program I was referred to did not address principal reduction, even though that is what I requested. Also learned about the Bank of America Department of Justice settlement, something bank was doing while I was going through wrong process. I have since learned that this pattern of dragging feet and claiming missed payments has been documented at Bank of America. I do not know why I was not included in DOJ settlement. I did receive a notice from Bank of America in XXXX of XXXX congratulating me that the value of my house had increased. The value they gave me was inflated and I am guessing they used that to not include me in the settlement. Even with their inflated appraisal, combined mortgages were greater than appraised value. Key issues : told bank of America in XXXX of XXXX that I needed principal reduction. Was not informed of DOJ settlement, and instead sent into a process that would not help. In that process, experienced Bank of America 's documented malfeasance toward addressing my need. Not until XXXX of XXXX did I get a hint about DOJ settlement, still had to do all research myself. I believe that I should have been included in the settlement. This loan began as line of credit, becomes conventional loan in XXXX XXXX. Payment increases by {$1000.00}. My current income is {$3000.00} per month. Additional info : my daughter and her family now live in the house as I am working out of state. She helps with costs, but no rental agreement. My intention is to return to house in retirement.
Consumer complaint received 2024-11-13
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. (AR)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-13
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. (GA)

Consumer Name : ( XXXX Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX Bal. {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

The borrower entered a Home Affordable Modification Agreement with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage loan servicer changed from XXXX XXXX XXXX to Caliber Home Loans on XX/XX/XXXX. The borrower was not aware of the transfer and continued to make timely payments directly to the prior servicer until XX/XX/XXXX. The payments were subsequently credited to the borrower 's account but the monthly mortgage statement includes a {$680.00} fee. It also states that the borrower paid another {$810.00} year to date in other fees. The borrower and I called Caliber on XX/XX/XXXX to determine why the fees are being charged. The Caliber representative stated that she did not know and she would send the borrower a detailed report explaining the fees. We have not yet received the report and the fees are still appearing on the borrower 's monthly mortgage statement and there has been no credit for fees already paid.