davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

My complaint is in reference to the Independent Foreclosure Review paying agent - GMAC Mortgage. My mortgage had been through GMAC Mortgage but they forced me out of our house after calling it home for XXXX years. Apparently, my ex-husband wrote to the Independent Foreclosure Review and asked that the payment be " split '', so they cut him a check for 50 % of the payout. XXXX XXXX tells me they have no checks or procedures to confirm the legitimacy of the request ( XXXX XXXX, so they simply do as they 're directed - by WHOMEVER gives them direction - in this case, my ex-husband who was looking to be wrongly compensated on a property he 's had NO LEGAL rights to since vacating the property in XXXX. He has NO LEGAL RIGHT whatsoever to receive anything from the property. It was written in our Divorce Decree that the divorce documentation would serve as legal documentation should he fail to sign a quit claim deed XXXX anticipating his lack of cooperation even back then XXXX. I paid to have all documentation notorized and recorded with the XXXX XXXX XXXX office. 

I have contacted GMAC Mortgage XXXX who thinks I still live at the property in question ), and they will take absolutely no ownership of the foreclosure payout. I have spent months trying to get this resolved through GMAC, XXXX XXXX and even the Attorney General 's office. Since the Attorney General 's office notified me that they can not be of any help, I have tried the Office of the Comptroller of Currency, the Federal Trade Commission and now, I am trying to resolve the issue through your office. I submitted a claim ( initially ) against the Independent Foreclosure Review, but after a week XXXX, I was notified that a claim can not be filed against them ( would have been helpful to have been told this while speaking by phone with a CFPB representative XXXX. No one claims to have the knowledge or ability to resolve the situation and correct the payout, paying me what is due me. 

I am attaching the divorce documentation I am referencing as well as a copy of the letter sent on behalf of the Independent Foreclosure Review - by XXXX the Paying Agent. 

GMAC should have provided correct, up-to-date payout information to the IFR and XXXX XXXX, XXXX Their record-keeping is and was so poor, they failed to note that my ex-husband had NO LEGAL RIGHTS to the property as of 1999. When I tried to resolve this issue through them, they showed I still resided at the property they foreclosed on. They should be held accountable for wrongly processing my foreclosure and additionally, wrongfully paying someone that should not have been paid.
Consumer complaint received 2015-06-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I had filed a complaint months ago. I thought we were working toward a solution. everything was going along fine until early XXXX 2015. I received a call from the person at Ocwen who 'd been assisting us. She told me I had to pay {$4500.00} dollars to satisfy the investors. Problem was I had to call her the next day which I did but she was not available due to a XXXX in Texas. She 'd also given me the name of another contact which I tried to contact as well but he was n't available either. I waited for some XXXX to return my call but it never happened. I eventually made a payment ( a week or so later ) not knowing exactly what to do. I made XXXX payment for the " normal '' monthly payment. It was declined. Since then I have made several attempts to come to some sort of resolve to no avail. Over the past XXXX I have received calls from Ocwen once telling me I have to pay them {$7000.00}. The following week they said I have to pay them {$20000.00}. They are no longer taking payments and I fear I will lose my home.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (NC)

Seterus, Inc. ( Mortgage Servicing ) company has added a INCORRECT recent chapter XXXX bankrutcy to my account and can not prove to me where it came from nor can they provide me with the paper work for when this was filed, etc. I have not filed a chapter XXXX bankruptcy with this mortgage company. I have called in XX/XX/XXXX and again in XX/XX/XXXX but being told that it takes time. No one calls back with any update and I end up explaining the situation multiple times to supervisors and persons in the bankruptcy dept. Please assist.
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I need assistance with getting incorrect information removed my credit file. 
I have sent certified mail to all XXXX credit bureau and reporting agency and have been unsuccessful. 
1. Inquiries- un-authorized2. collections account I want proof with my signature establishing/bonding me to a contract of such said debt
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (NY)

In XXXX 2015 I started to write to a girl XXXX, that I met thru an on line dating site. I am retired a yr and tired of being alone. I sent her some cash using XXXX XXXX or XXXX in XXXX and XXXX for her to get documents and be ready to move to the XXXX. In our daily letters she mentioned early on that her dad was deceased for 5 yrs. 
In XXXX she asked me to help with an issue, The story was that her deceased dad 's long lost business partner was here, XXXX, and wanted to send to her cash for her elderly mom to live on there in XXXX. She asked me to contact this fellow XXXX and to work with him. The guys name was XXXX XXXX. We connected via phone and e mail many times-he asked me to use my charge card accounts to take balance transfers, put that cash into my checking account and to wire that cash to the family XXXX, specifically the 'uncle ' of my 'friend ' XXXX, and the younger brother of her mom. He said he wanted to repay my charge accounts using direct electronic deposits from his business account, that they would be business expenses on his records. 
As he would the next day or 2 after my taking the balance transfers repay my accounts, including the related balance transfer fees, I could check and see the repayment had happened before wiring the funds XXXX 
This seemed odd to me, but I was anxious to help my friend and utterly safe to me financially. I had earned an excellent credit history over the years by never being late, and never charging more than I could readily repay. 

By this means I feel Case Bank enabled me to send XXXX about {$3500.00} XXXX times. All thru XXXX and early XXXX I felt I was being the greatest possible friend to these people, I had no clue this was a scam until I received a letter dated XXXX that the payments to my cards had all failed, and that I was therefore in debt for this tremendous amount. I also found then that the supposed payments from XXXX XXXX business were instead done by him calling in to the bank CLAIMING TO BE ME, and using some fake account to repay the charges. 
Again, as I had said each time that the payments were made by a 3rd party, if the Chase employee had noted they were made by " me '' this could have been averted. Why would I need to ask if my own payment was made? 
I contacted the Chase fraud department, they stated as I had supplied my account no. to XXXX XXXX XXXX there was no fraud and that I was wholly responsible. My identity had been used to make fake payments on the account XXXX times, almost {$16000.00}. On no occasion did anyone at the bank tell me that the supposed payments might in fact fail to be 'real '.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I recently had an offer accepted on a house and started the mortgage process. The house is in historic XXXX XXXX. in PA, and was originally a bank barn that was later converted into a house. I chose PennyMac for my mortgage process since I was already an existing customer. After accepting an offer on my current home and after PennyMac received the appraisal on the new home, they denied my mortgage application because, even though there was an appraised value, it was " not the type of home XXXX deals with. '' They later said that the reason was because it was labeled as an " earth berm home '' and that I 'd have trouble getting a loan from anyone that deals with Fannie Mae. 

I researched the issue at XXXX 's website and found the exact opposite to be true. They do not have any issue with berm homes so long as there is an adequately appraised value. After contacting PennyMac again, I was told that they misspoke and meant to say that it was a PennyMac overlay and not a XXXX guideline. 

I asked to speak to a supervisor at this point, and on the phone, I was told that it had nothing to do with the fact that it was labeled as a berm home, but rather that the appraisal was full of language stating that the property was so unique that it would be difficult to sell in the future. Living in the area, I know this is a poor assessment. At this point, I still do not have my appraisal documentation so I can not verify the actual language used that is in question. 

Following that phone conversation, I then received my official mortgage denial letter. The reason stated was, again, that the house was a " berm home '' and did not meet " page XXXX '' of XXXX 's guidelines. 

The reason for my mortgage denial, I feel, is being sorely misrepresented. They have given me wildly incorrect information that had a great potential for ending my attempts to purchase this home had I not done due diligence in verifying their claims. I am currently working with a new mortgage broker to try and salvage the attempt to purchase my new home.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have received at least XXXX solicitations for a balance transfer from CapitalOne over the past several weeks. I decided to accept their offer onXX/XX/XXXX at approximately XXXX. Upon completing the informationfor the transfer, Capital One shut down my account due to " suspiciousactivity ''. When I called them, they cut me off XXXX before asking me aseries of questions, which had no answer from a representative whodid not have a capable command of the XXXX language. Questionsincluded the age of my father, which I answered correctly, a car that Iowned XX/XX/XXXX, which I answered correctly, and towns where I lived, which did not exist ( e.g. XXXX, NJ-there is no town called XXXX, NJ, I did tell them that I lived in XXXX County, NJ at some point, whichserved to confused the issue ). They informed me that I would have to filepaperwork to re-open my account due to possible fraud. This is not thefirst episode of ridiculousness that I have had with Capital One.
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I applied for a Capital One Venture Card. The disclosure notice stated that the Annual Percentage Rates ( APR ) are 12.9 %, 17.9 % or 22.9 % depending on one 's credit worthiness. I was surprised that I was assigned the 17.9 % APR upon approval and after Capital One ran my credit through XXXX. I had a recent XXXX credit score of XXXX, generally considered excellent. After seeing the rate Capital One provided me I immediately ran a credit check through Experian and I found no potential negatives on my credit report with all accounts are in good standing. I XXXX attempted to inquire with Capital One as to why I would not receive the better rate, and they said that I had agreed to the terms offered, that I should read the terms and they could not provide me any further assistance. In fact, I believe their application provides a range of APR 's until the applicant submits the application and then the applicant discovers what rate Capital One has granted the applicant. It is quite possible that Capital One has a standard that I did not reach with regard to credit worthiness. Unfortunately, I can not help but wonder who does qualify for the lower rate they advertise. With excellent credit, I would like to know why I did not qualify for the lower rate. If Capital One has a very narrow qualifying criteria for the lower rate, they should disclose what score is necessary to obtain the low rate or not advertise the lower rate. Generally, I believe Capital One should also be more transparent and forthcoming with what their standards are for interest rates for applicants.
Consumer complaint received 2015-06-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management has purchased many old debts from previous lenders of mine and claiming amounts I do n't owe. In some cases, they are somehow updating debt 's last activity and keeping accounts that are over 7 years of age on my file. 

Someone needs to monitor this company, they are asking me to write a letter and accept all the debt, before even negotiating with me to resolve it. I am being victimized by this entity, I am a father and supporter of many. My fico score is being very heavily affected and life is more expensive for me. 

MCM XXXX
Consumer complaint received 2015-10-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Terrill Outsourcing Group (NM)

Unsolicited call from " debt collector '' Superlative RM, telephone XXXX XXXX XXXX. Company stated, " We are a debt collection company trying to collect an outstanding debt. '' Was requested to call XXXX XXXX XXXX referencing a case number. When I called, an automated answering machine indicated who they were, all agents were helping other customers, please wait on the line for the next available agent. The line was answered within one minute and the answerer immediately hung up. This happened successively three times. 

I have no outstanding debts and believe this company to be a scam. When I called the number the solicitation had originated from, XXXX XXXX XXXX, an automated machine answered in both XXXX and XXXX, " This number is no longer in service. '' How could this be since I had received a call from that number less than one half hour earlier? 

I am reporting this company to be a scam and request it be investigated.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Metro Collection Service Inc. (CO)

Hello, I have disputed this account with XXXX and XXXX as not mine. In return they came back with their investigation stating this account has been verified, In return sent a letter to Metro Collection Svc. requesting validation of this debt via Certified letter with no response, I again wrote and disputed with XXXX and XXXX. They stated this account has been validated to be correct. I have not been given any proof of this debt, I do not know who Metro Collections is nor the original creditor XXXX.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I have previously sent ChexSystems 3 requests all via certified USPS registered mail to the mark on my file from XXXX XXXX XXXX, under the Fair Credit Reporting Act and Fair And Accurate Reporting Practices Act and all I received was copies of bank statement of the alleged account that they say belongs to me. Their letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. 

I contacted XXXX XXXX XXXX and they do not have any proof that this account belongs to me. 

How can ChexSystems verify this information without proper documentation. Bank Statements do not serve as proper method of validation according to the FTC. ( 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ) ChexSystems has yet to correspond with me via mail and is in violation of several State and Federal laws. 

I have tried opening a bank account today and was denied because of XXXX XXXX XXXX showing up on my ChexSystem File. Accordingly, I can show a judge that these accounts meet the guideline for the removal/inaccurate and that you violated the Fair and Accurate Credit Transactions Act and several other rules and regulations, state and federal by ignoring my requests to investigate the items.
Consumer complaint received 2015-06-22
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

Hi I took out a payday loan ( Castle Payday ) back in XXXX of 2013 for {$400.00} in which i would pay {$540.00} back, I originally missed the first payment due XXXX/XXXX/2013, I made my first payment XXXX/XXXX/2013 and after which XXXX XXXX up until XXXX/XXXX/2013 in total i paid {$560.00}. Now 2years later I 'm receiving calls saying I never paid and charges are being filed against me.
Consumer complaint received 2015-06-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (NY)

My issues begin from the beginning of the loan when I was told that the amount I was financed and the blue book value of the car was to much. I tried and make the payments but due to financial difficulties beyond my control I was making them but not on time. I also lost my insurance and in my state you must have insurance on a registered vechicle at all times. This caused me to be sanctioned by the state and the penalty was to pay a fine and a hold on the license for a certain time frame. I put the car in a parking garage in my area to avoid and tickets so on. The parking garage was expensive and then I also fell behind with them. I am a new tenant in my apartment and the neighborhood and did not receive no mail for about one month before I went to the landlord and post office. In the meantime to parking garage contacte Consumer Portfolio and they gave me less than 2 weeks to come up with this large amount of mone and the car was picked up by another state. I had no way of getting the money or no way to reach the car. I was informed that the car is going to an auction and them I will be reported to the credit bureaus in my state. I would like to find out how I can get them reported for all the XXXX this has caused with the phone calls and letters and the no responce calls I made to them. I do n't need this on my credit report, I just want to put this behind me and move on with my life. I am employed and have been for quite some time on my job and would not like this to cause me to lose my job. I work for a law firm in my state and would not like to have my reputation tarnished by a corrupt company.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-15
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. (TX)

If the open date, last active date, and last reported date are all wrong, how can the credit bureau claim that the account name and account number were thoroughly investigated? This is grounds for expulsion. Additionally, they infringed against my rights under Section 2 of 15 U.S.C. 1681, Section 604 A : A consumer reporting agency is expressly prohibited by law from providing an account without my written consent.

I have not granted formal consent for these accounts to appear on my credit report.
Consumer complaint received 2024-10-15
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. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2015-10-27
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

We are currently in the process of a short sale. Unfortunately the lender 's inspector is making regular visits to our home and has stolen XXXX items from the home and continue to damage the property. Initially the locks were destroyed and now the garage door has been destroyed. It appears this individual is deliberately trying to further destroy our property every time we file a complaint about the damage to the property. The new buyer should not have to be responsible for repairing these damages because they were not there when she viewed the home and made an offer on the home. Every week we find some damage done inside of the home and the inspector is the only one with a key, besides my husband. This needs to stop!!!!
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have been attempting to cancel an XXXX XXXX credit card administered through Bank of America to no avail. I tried to cancel XXXX by writing a letter but that did not work. I returned the credit card but two months latter I was sent a new XXXX. I did not activate the new card but was sent an annual bill for which I did not pay. Now B of A is billing me interest on the annual bill for the non-activated credit card.
Consumer complaint received 2015-03-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Principal Group, LLC (FL)

This debt collector has called me numerous times from a private number, contacts every single member of my family numerous times, and has called me at work. They even called my oldest daughters boyfriend, who has never been affiliated with me, on a phone number he just received 3 days ago. I have told them to not call me again, I do not owe this debt and the calls keep coming. They are now stating that they have a case against me and they want my home or work address so they can serve me papers. I want this to stop.