davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOGMAN, INC (MD)

I have started going through a hardship since me divorce was finalized in 2014. My ex husband stopped paying half of the bills like we were both accustomed to doing. I lost my XXXX after Making Healthcare Affordable Act was passed because those employers needed to make sure everyone had coverage or they had to pay a fine. After the last unemployment term for 2 weeks, I found a job working at a XXXX XXXX making {$XXXX}. This salary barely covered filling my car 's gas tank weekly. I was able to pay certain bills but not all of them. After working there for 4 months, I found another job making more money. I started getting caught up on the bills and 3 weeks later, the job ended. I found myself unemployed for two more weeks. I did finally found a job making more money and now i am trying to get back on track. I had did a Loss Mitigation package three times and every time I leave voicemail messages for the XXXX contact people I have, no one never returns my calls. I need an answer because I want a resolution that will be fair to me.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NC)

My home was serviced by Seterus, INC and was destroyed in a fire on XXXX XXXX, 2015. The loss was reported correctly to the insurance company and Seterus. The insurance company has sent the payment amount made to myself and Seterus, which was overnighted to them with id, instructions, and overnight pre paid envelope for the difference over the loan pay off ( {$120000.00} ). They also have a large amount held in escrow for property taxes.Seterus is giving me the complete run around regarding the balance due me and the time line as to when to expect it. I am XXXX. I can not begin to rebuild my home until they refund the difference after the loan pay off. Please help!
Consumer complaint received 2015-03-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

My name is XXXX XXXX XXXX and huband name is XXXX XXXX XXXX I am filing complaint regarding a finanical company, name OneMain Finanical XXXX address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX their phone number XXXX they have an account which they are telling us it our account the account number is XXXX open XX/XX/XXXX, joint account installment account loan type is unserured. I have a company name XXXX XXXX which is helping us and they have send letters on our behalf. The company information is ( C ) XXXX XXXX XXXX ( R ). All rights reserved. XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, and of counsel attorneys. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX of Use Privacy Policy Email Preferences. Credit Access. 
Attorney XXXX, phone number XXXX. My email is how they find our information and verified is I who is calling my husband have his own account with the XXXX XXXX XXXX, it with my email. XXXXXXXXXXXX my address XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, my phone number is XXXX, birthday XX/XX/XXXX. My complaint is that this company is accusing us of owning XXXX the high balance is {$17000.00} from XX/XX/XXXX to XX/XX/XXXX pay status is a charge off the account number they have on file is XXXX. XXXX XXXX have wrote letters at least every sixty day since XX/XX/XXXX. They have send us letters refusing to take this the credit report off our credit bureaus, because they have tell me that all XXXX credit reporting agencies have the same information. Now from my understanding it is the company that report to these credit agencies, XXXX, XXXX and XXXX so that is not correct statement since, OneMain Financial reported this information to the credit agencies. I truely do not know this company and never dealt with them that I am aware of. I and my husband need help under credit laws that said this have to be an accurate reporting and this company have not given correct information. The XXXX Lax company have did every thing under law to help us. Please help us. Thank You for whatever you can do to bring the truth to light.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

I am a surviving spouse of a property held in Joint Tenancy in the state of California. I am on the Trust Deed but not on the loan. I have since filed an Affidavit of death ( By Surviving Spouse ) at the XXXX Recorders office, and title has been placed in my name solely, as allowed by California Probate Code XXXX. Since the passing of my wife it has been difficult for me to maintain payments on the note for the last 2 and a half years on my income alone. After careful consideration, I have concluded that the best option for me at this time is to try and have the lien holder approve a short sale, instead of letting the property go to foreclosure. I am still underwater on the property approximately {$80000.00} dollars, with the majority being owed to the XXXX lien holder. I have a real estate agent and a short sale negotiator working on the file, but the Servicer of the first loan Seterus is holding up the deal saying that I am not authorized on the loan, and that I need to go to probate to get authorization from court to sign on my deceased wife 's behalf. I have consulted with an attorney and I do not have the fees requested in order to file a case. It is my understanding that the purpose of holding title in Joint Tenancy is to avoid probate. The short sale negotiator has informed me that XXXX who is the investor on the loan has approved the short sale, but for whatever reason Seterus who is the servicer only, is denying the short sale. I currently have an accepted offer on the property and would like to proceed with the sale. 
Your assistance in this matter is greatly appreciated.
Consumer complaint received 2015-10-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

statement is attached with this complaint. 
bank charged multiple overdraft charges, they cleared the larger checks first and pushed the account in to overdraft, they did not pay the lower amounts first. i should have been charged overdraft fees only once, rather than multiple times. i believe this is creating you to pay too much extra money. they have unjustifiably charged me about ten times the fee. also they charge extended overdraft fee. 
this has been happening for several years, i have talked to the bank on multiple times, they continue same practices. this is very negative and detrimental to consumer.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Credit reporting & low score ... .This Bureau is not using my credit repayment history to rate my creditworthiness, but instead is relying on credit inquiries, & credit card usage while overlooking the ( the most important factor ) My repayment history & ability to repay. I seeking a correction, of this ( Poor ) Rating as it has a direct affect on my ability to get low rates which consequently becomes the greatest avenue to ( not only getting good & reasonable rates but indeed making it much easier to repay .... My bills are at 100 % repay & my score should reflect the excellent Payment history & score
Consumer complaint received 2015-10-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (ND)

We applied for a XXXX mortgage through XXXX in XXXX it was transferred to Ocwen. We paid the loan off in XXXX XXXX. The initial loan was for a property on XXXX XXXX XXXX in XXXX, OH XXXX in XXXX in XXXX we requested if we could move the loan to a new property we wanted to purchase. the address was XXXX XXXX XXXX XXXX, OH XXXX. The loan was paid off on the home on XXXX XXXX For some reason Ocwen Acct # XXXX phone # XXXX sent the mortgage to a collection agency 2 months before we paid the loan off we had never been delinquent on any of our payments. They did n't release the loan to the county when it was paid off. When we contacted them to release the loan they kept sending us back to the collection agency. At that time we contacted your organization to clear the loan off of the property. They complied and released the loan. 
The reason why were contacting you again now is we are trying to do a deed in lieu on the property on XXXX XXXX. The mortgage company is XXXX mortgage Acct # XXXX our contact person is XXXX XXXX XXXXXXXXXXXX. She is trying to clear the title of the property to finalize the deed in lieu. She has found Ocwen opened a second loan when we transferred the mortgage from XXXX XXXX XXXX to XXXX XXXX so it looks like we took out XXXX loans on that property. When I notified them of this the person I talked to at Ocwen which I did n't write his name down on XXXX XXXX at XXXX did n't start a ticket to figure out the problem so I waited until yesterday XXXX XXXX at XXXX I spoke with XXXX operator # XXXX she said she would look into it and call me back this morning with more information, she never called. 
The email I received from XXXX XXXX stated the record release we recieved from Ocwen was recorded incorrectly or was not the correct release. The release we need is book XXXX page XXXX and was recorded in XXXX for {$35000.00}. The release they provided was for mortgage from XXXX with book XXXX page XXXX for {$35000.00}. I did forward this email to the male on XXXX XXXX but obviously nothing was done with it. XXXX emailed me yesterday telling me to file another complaint with you. The deed in lieu is in jeopardy of not being finalized. I need your helpThank You XXXX XXXX
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax has continued to report, a chapter XXXX I filed in XX/XX/XXXX, that was dismissed because I did not pursue the protection I initially asked for..That was 9 years ago ..having said that they are the bureau continue to score me in very poor credit risk debtor In low standing, although I have long ago re established .. a good payment history credit history my low credit score does not reflect my ontime bill payment.. & if credit card use & Inquiries is the standard used to dictate score.. they should " Check with those companies or 'Report ' those bill paid up as of XX/XX/XXXX ' & mainly stop reporting me as 'Very Poor ' when it comes to paying my bills & correct my score to reflect my excellent record ..
Consumer complaint received 2015-05-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (CO)

Correspondence is from Credit Collection Services re : XXXX XXXX. The amount due appears to be XXXX but this is not entirely clear. The correspondence includes a STATUS UPDATE that essentially claims that my account is unpaid and seriously past due. It also states that I should call their office and that otherwise they will call me. There is no indication regarding the name of the creditor or the services provided that I am expected to pay for.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AZ)

Case ID XXXX in reported on my credit as a pending status owed of {$6000.00}. I 've sent documentation showing it was dismissed so that it could be removed from my credit. Each time they replied that it 's accurate not even looking at documented proof that the public record should be removed so I have been turned down twice for mortgage loans because of this inaccurate reporting.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I joined the XXXX and reported on my XXXX birthday. My unit began to process my security clearance and the Trans Union report comes back with XXXX line items that were fraudlently applied to my social security number by my biological mother. In order to continue security clearnance processing I need correspondence from Trans Union to show that they are investigating the fraudelent line items. They indicated that they are investigating the line items, but refused to send me written confirmation of this action. I spent over XXXX hour on the phone being transferred through multiple " supervisors '' that were unwilling or unable to complete this task. The reason varied stating words to the effect of, " We will not do that '', " We can not do that '', " Our system is n't working, you must call back tomorrow '', or " We can not talk to you ''. They attempted to change my address to the temporary Military training address I am using while in XXXX Missouri. I will need it sent to the Military installation I am training at, and not my home of record that is associated with my social security number. 

All I need is correspondence from Trans Union stating that the fraudelent line items are being investigated.
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX XXXX XXXX and I opened a Wells Fargo Credit card back in XXXX of 2015. As of XXXX this year the bank had not reported any of payment activities to the credit bureau contrary to their credit reporting policy which states that they need to report all accounts on a monthly basis. 
I 'm trying to accomplish a credit history using this Credit card and as result of their deceptive and unfair business practices I 'm not able to do. I reached to Wells Fargo by phone, in writing and even went to the branch and worked with a banker to resolve the issue but it remained uncorrected.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.Please resolve this manner as soon as possible.Thank you
Consumer complaint received 2016-02-25
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

Was contacted by Cans Central of Tennessee, LLC address XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX phoone XXXX saying that I owed them money on a payday loan. I have never applied for a payday loan and do not have any idea who they are or where they are. They would not provide me an ip address or any other information and all they had was my name address and home phone number. They asked me for the last XXXX digits of my social to verify but they did not tell me the number they had. I called them back and they sent me a letter telling me how to dispute the charges. I have never made the charges why do I need to defend something they cant prove I did because I did not make this loan and they cant tell me where they even sent the money supposedly borrowed. I contacted my attorney and he told me to make a complaint here and he is going to send them a letter.
Consumer complaint received 2015-07-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SOUTHEAST MORTGAGE OF GA INC (GA)

Misleading and Guarantees made that could not be kept. In XXXX 2015 my wife and I had found a home that we wished to purchase. Before finding the home I spoke to XXXX XXXX and he pre-approved us. When we found the home we started the process for XXXX backed loan. XXXX assured us and even guaranteed that we would make it through XXXX even with our bankruptcy in the past. I was attentive to what XXXX needed and returned all items within 48 hours to him. During this process ( once it was to late to find a new mortgage company, XXXX started to be less responsive and we ended up missing our loan commitment date. XXXX XXXX kept us from going to XXXX and having loan commitment letter on XXXX XXXX like we where suppose to, this was not done till XXXX XXXX. I was vary clear with XXXX upfront about our past, I did not lie or hide anything and informed him when our current lease was up. Due to his delays we had to stay past our lease which caused expenses, by no fault of our own. Once XXXX started reviewing our file, they asked for documentation. I typed up a letter that explained our bankruptcy in more detail and called the XXXX XXXX office and Called XXXX XXXX XXXX Director of GA XXXX XXXX. XXXX ended up denying us, and XXXX never submitted the letter I typed up to them ( that XXXX requested ). When I spoke to XXXX XXXX and the XXXX XXXX, had that letter been submitted then they would have approved us and it did show we where less of a liability then we where when we filed for bankruptcy. So due to XXXX 's lies, incompetence, misrepresentation I am left with a lot of money lost, a forever home lost and expenses that I have to pay now that are not my fault. I have spoken to a few people and found that shortly before I began my process with XXXX Mortgage, XXXX employee 's walked out because of this same unethical behavior. I have also discovered that XXXX Mortgage claims to be a preferred provider for a lot of organizations, when they really are not. After speaking with parties involved in this ( minus XXXX Mortgage XXXX and my attorney, we believe this is a bait and switch style scam. I have all e-mails documenting my entire experience with XXXX Mortgage.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (WI)

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION, DEPT OF EDUCATION XXXX XXXXXXXX XXXX XXXX, XXXX )
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AK)

XXXX has incorrectly reported to Experian both in the amount that I owe and the amount of loans disbursed. I have pulled records, the loan update date XX/XX/XXXX, that indicated the XXXX disbursed two loans on XX/XX/XXXX, a DLSUB for {$3500.00} and a DLUNSUB at {$3000.00}. On XX/XX/XXXX, XXXX disbursed DLSUB for {$3500.00} and DLUNSUB at {$6000.00}. On XX/XX/XXXX, XXXX disbursed DLSUB for {$4500.00} and DLUNSUB for {$6000.00}. On XX/XX/XXXX, XXXX disbursed DLSUB {$2200.00} and DLUNSUB for {$10000.00}. 

Experian indicates that when my account transitioned to the new online XXXX platform, XXXX reported to the credit agencies my balance on XX/XX/XXXX. XXXX then reported my loans again, duplicating them, on XX/XX/XXXX. I have attached the notice of loan transition dated XX/XX/XXXX. 

At this time instead of my loans stating the accurate balance of {$37000.00} listed on Department of Education Student Loan portal. XXXX has reported a balance of {$69000.00} nearly double the actual balance. This is fraudulent and an inaccurate reporting of the true loan amount.
Consumer complaint received 2015-06-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PLANET HOME LENDING, LLC (GA)

I have received XXXX calls from the following telephone numberXXXX.  When i answer they hang up.  Then when I call the number back to find out who it is, each time I get an automated message telling me the name of the dept collecting company and that the call is in reference to a dept and in order to find out more details about this dept I have to enter my telephone number which I am hesitant to do.

The  thing is I  do not owe any debts whatsoever with this company or any other company and I do not know why these people are harassing me. or how they got my number.  This is nothing more than a scam phishing information.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

There has been a recurring charge of {$280.00}, listed as collections, on all XXXX credit bureau reports. I have written the collection agency and the primary source, but neither have provided any documentation or respond to my requests. It is for a medical bill, but I have paid all my medical bills to this company. I believe they have mixed up my name with someone else from what they tell me. They never respond to my letters, they just renew dates on the credit bureau reports.
Consumer complaint received 2015-10-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Hello, I am receiving emails from Union Bank regarding email update, confirmation of password change, and alerts of large withdrawal on an account that I DO NOT have with this bank. I have contacted them a number of times, they confirmed with my social security number that I provided, that I do not have an account with this bank. To confirm that I do not have an account, thinking that there might be identity fraud involved, an Experian credit report showed that I do not have account with this bank. At the last time that I contacted them in early XXXX, I was transferred to speak to the local branch manager. She said that she would investigate and contact me, which never happened. 
In a nutshell, I am receiving Union Bank emails that do not belong to me, as I do not have an account with this bank. Contacting them about the emails has not stopped in my getting these emails. Whoever this account belongs to, that person is not getting the emails. 
ThanksP.S. Will be attaching the emails. They were sent to my XXXX account, which I have set up to forward to my other personal email account with XXXX.