davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX after several repeated attempts for loan modification were denied. On XX/XX/XXXX Owen Loan Serving filed a notice of post-petition mortgage fees, expenses and charges with the bankruptcy court to recover legal costs incurred after I filed for bankruptcy. I have been making payments to the trustee 's office for my mortgage payments since XX/XX/XXXX. However, Ocwen servicing loan ( Mortgage lender ) never filed a proof of claim. I had to incur an additional expense to pay bankruptcy lawyer to file proof of claim on my behalf. I am attempting to get my XXXX Tax Forms and was told I wo n't be receiving one because there were no payments made in XX/XX/XXXX. The trustee was holding on to the money to allow Ocwen time to file claim which never happened forcing me to file a proof of claim via my attorney in which I incurred an additional fee. 
On XX/XX/XXXX a payment of {$16000.00} was made to Ocwen by my trustee however, Ocwen states they did not receive payment until XX/XX/XXXX and therefore I will not receive a XXXX for XX/XX/XXXX. Did I mention Ocwen file a {$400.00} claim, which is to be paid through my bankruptcy plan as fees they are recouping/charging to " review '' my bankruptcy plan which in turns increases my bankruptcy payment amount?, Ocwen responded with a letter that states nothing but facts regarding the case. No one has explained to me why a proof of claim was never filed by Ocwen. Can someone please explain why a proof of claim was never filed by Ocwen causing me to file on their behalf? Also can someone please explain why the payment of {$16000.00} made to Ocwen on XX/XX/XXXX was not receiving until XX/XX/XXXX. 
I, XXXX had to file the proof of claim on my own behalf via my attorney which is attached as Ocwen did not file a proof of claim. Had Ocwen done its job of filing a proof of claim via their local lawyer then I would not be in this situation at all. A notice of post-petition is NOT the same thing as a proof of claim. Can you provide reason for not filing proof of claim in a timely manner? Can you also provide a reason for not receiving payment until XX/XX/XXXX when payments were made on XX/XX/XXXX. See attachments. As a result of Ocwen 's negligence in filing proof of claim ; it caused trustee to hold on the payments while simultaneously allowing your Ocwen 's local lawyer to time to file claim. It also resulted in having to file the claim myself which is not in my fault and therefore I should be punished for Ocwen 's local lawyer 's negligence in filing a proof of claim. Previous response does not answer my questions. It only states facts.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (IL)

Equifax reported that the personal information of over 100 million consumers was compromised in XX/XX/XXXX and was not discovered untilXX/XX/XXXX. They did not release this information until XX/XX/XXXX - more than 6 weeks after the incident was discovered. This left millions of consumers unaware that their sensitive information was compromised by hostile parties. Equifax is offering one year of free credit monitoring and repair service through XXXX, but with one serious and abhorrent exception. After going to Equifax to enroll in XXXX, consumers must wait until XX/XX/XXXX before returning to the website and continuing their enrollment. In addition, Equifax will not send any notification when this is available. Instead the responsibility is shifted to the consumer. I hope this is n't a strategic decision by Equifax in hopes that they can protect their bottom line by betting on consumers not returning on their enrollment date. That would be borderline predatory. If Equifax had 6 weeks to prepare a response, why has n't this free service been worked out? In the words of CEO XXXX XXXX, " Equifax will not be defined by this incident ... but rather how we respond. ''
Consumer complaint received 2017-02-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (IL)

Hello I am a consumer and I am writing in reference to a vehicle I had repossessed by Exeter finance in XX/XX/2016 which i never recieved any documents concerning the repossession because I had moved out of state and was in the hospital for a few m I nths due to a XXXX so when i finally got out a few days later i found out that they came to my sisters house and made a big scene when they repossessed the vehicle embarrassed my family and i had no idea i was in default. The vehicle was sold Unbeknownst to me I havent recieved the amount it was sold for but the value of the car on blue book is between XXXX to XXXX dollars the finance company is still reporting I owe XXXX dollars all though they have sold the account to another collection agency I disputed this with XXXX and they still have not removed this account because it is not accurate and Exeter doesnt own the account anymore and I have never contracted with the agency it was sold to.
Consumer complaint received 2016-10-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

DATE : XXXX/XXXX/16 TO : CALIBER HOME LOANS XXXX, OK XXXX RE : Information Request Mortgage Loan Number : XXXX To whom it may concern : I am writing to request the information described below in regard to the mortgage on my property at XXXX, Al XXXX. 

Please accept this letter under RESPA and/or TILA. 

Please provide to us an accurate, ITEMIZED, reinstatement amount for the above referenced loan. 

Thank you for your cooperation in this matter so we know our options on reinstating our loan and avoiding foreclosure. 

If you need to contact me to discuss this request, I can be reached at, t Sincerely,
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

on XX/XX/XXXXI made a purchase from XXXX XXXX XXXX  believing that my purchase for 4 tickets was XXXX dollars. Only when I gave them my card number did it say they were XXXX apiece. {$1100.00} total. I immediately called Capital One and told them not to allow this to go through. Then they contacted the vendor and we had a 3 way conversation in which they refused to stop the charge. They hung up. The Capital one agent told me not to worry. They would get my money back. OnXX/XX/XXXX I was charged the full amount. {$1100.00}. I called Capital One about this and was told my account would be credited. OnXX/XX/XXXX I was credited with {$940.00}. ( {$250.00} short ). I called them again and they said I have to dispute it. I did. Then I was recharged the {$940.00} on XX/XX/XXXX. I again called about this and once again I was credited {$940.00} on XX/XX/XXXX. ( still {$250.00} short ). Then they said to dispute the full amount of which I have been doing. OnXX/XX/XXXX I was RE-Charged the full amount of {$1100.00}. This includes an extra {$250.00}! I have called and have talked to them and was told they could not do anything for me. I was in my rights to cancel this transaction. Now I am being charged an extra {$500.00} for tickets I never even received. Is this not fraud? Can I press theft charges against Capital One? Now when I log in to my account I can not dispute anything on this matter. The website wo n't allow it. This is just wrong. I have been a cardholder for more than 20 years and have never been treated like this before. Please help me get my money back. I am not a rich person who can just absorb a charge like this. My next step will be looking into pressing charges and complaints with the FTC for fraud if this is not resolved. I believe under the consumer protection act it was my legal right to cancel this transaction and there customer service rep. assured me they would get my money back. Please help with this.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I have two account on report that should be deleted. Both have been on credit report for more than 7 years. 

1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2017-07-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

GM Financial is an account that has been closed on my credit report sinceXX/XX/XXXX. It is now reporting late payments inXX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX-XX/XX/XXXX. Again, this account was paid in full in XX/XX/XXXX.
Consumer complaint received 2024-08-10
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: Experian Information Solutions Inc. (NV)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these pavments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

My home went into foreclosure with Ditech XX/XX/2016. In XXXX I was working with Keep your home California with help on getting caught up with my mortgage. I was in Foreclosure at the time and Ditech refused to work with me and Keep your home California. I continued to send in the paperwork they requested but they kept saying they did not receive it. Then I received the sales date where they were going to Auction my house on XX/XX/2016. One week prior I found a cash buyer, they needed a payoff amount and again Ditech refused to disclose it and said it would be mailed. The buyer tried to get them to move the sale date ahead a week to wait on the info and get the finance together, again Ditech refused. No one bid on the house at the Auction so it reverted back to them. They then sold the house the end of XXXX for XXXX I owed approx XXXX, they profited about XXXX. I feel this is Unjust Enrichment, Fraud, Fraudulent Transfer, Robo and Dual tracking. My wife of 35 years and I have been homeless since our home was stolen by these crooks. The FTC found them guilty of tons of stuff and fined them around XXXX XXXX. 

Ditech 's Account number was XXXX. Sales Notice CA XXXX-Property address- XXXX Ca XXXX
Consumer complaint received 2017-02-24
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Consumer Financial Protection Bureau : This email is being written in response to your letter and your conclusion that Bank of America had adequately responded to our complaint. We appreciate Bank of American 's research by their XXXX Customer Care Resolution team and their response via their letter date XX/XX/XXXX regarding the disposition of our loan in XXXX. Frankly it may have been correct as far as it went. However, we made payments through XX/XX/XXXX and into XX/XX/XXXX. ( The last payment was received by Bank of America XX/XX/XXXX and was subsequently returned following our receipt of the Abandonment Form ). 
Copies of our XX/XX/XXXX payments, which were not recorded by Bank of America and were not addressed in the BofA XX/XX/XXXX letter. What happened to that {$1900.00} which was paid to and received by Bank of America? We can forward copies of the Bank of America receipts and copies of the cancelled checks. Although we sent copies of the receipts and cancelled checks to Bank of America, they are refusing to accept or return our numerous phone calls or hold themselves accountable for their errors. We would appreciate a response from Bank of America to our new inquiries. 
We have been in contact with XXXX, XXXX, PA ( Single Point Contact / XXXX # ( XXXX ) as late as of XX/XX/XXXX am and they have not been able to find any record or knowledge of the loan, by name, address, SS # or loan #. 
Because of these discrepancies we are asking you at the Consumer Financial Protection Bureau to further review this situation : ( 1 ) What happened to {$1900.00} payments that were made in XX/XX/XXXX to Bank of America on this account # XXXX ; ( 2 ) Help XXXX find the charge off records, identify the correct amount owed and assist us in being able to pay our debt, # XXXX ; ( 3 ) Remove the Abandonment Statement on our credit report allowing us to secure a new home mortgage. 
Thank you for your assistance. 
Regards, XXXX, SS # XXXX XXXX, SS # XXXX XXXX , XXXX, MI XXXX Phone - ( XXXX ) XXXX
Consumer complaint received 2016-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: College Assist (CO)

Years ago I defaulted on my student loan and before I could resolve the issue it was transferred to a collection agency. Since then, I have written numerous letters to the many different collection agencies requesting detailed information regarding the loan and fees. Each time this is done, the loan is again sold to another company. Sometimes, there was XXXX different companies trying to collect at the same time. In fact, XXXX attempted to garnish at the same time. I finally received a response from XXXX XXXX saying they would obtain the documentation and forward it XX/XX/2016. I just received a letter XX/XX/2016 from College Assist saying they sent me a notice on behalf of the XXXX XXXX XXXX XXXX regarding retaining federal tax refunds and that they would be offset. I have not had any contact with that collection agency in over two years!!!!! It has been sold numerous times since then and I have kept all correspondence with these companies. How am I to blindly resolve this debt without any documentation? Am I to believe what the tenth in line collection agency is requesting?
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (GA)

I attempted to go to the Equifax site per their provided link to see if I was affected by the credit breach on XXXX XXXX, 2017. When using the website, it was supposed to tell you if you were compromised or not and then give you the option to opt-in to their ID theft protection. It did not give my any such option to opt into the XXXX XXXX XXXX. It just automatically opted me in even though I was only requesting to see through the site if I was potentially affected by the breach. Speaking to the rep on the phone later that morning, she told me I was already enrolled, even though I never consented.
Bottom line, they enrolled me in something that I did not consent to and also did n't tell comsumers about the breach until a month later, resulting in me paying for credit freeze. These fees should have been waived, especially since Equifax is at fault with the lack of security measures. And now the affect to my credit will be affected forever.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I was locked out of my TD Account online and was unable to pay them. I tried calling to resolve several times and was not successful. After I finally was able to pay them, they dinged my credit report for late payment. I had commitments over the phone that they would not report to credit agencies. When they did, I called them and they removed the inaccurate information. A while latter, it showed up again. I have paid the bill and closed the account but this negative mark on my credit has affected my ability to buy a car and get a mortgage costing my many thousands of dollars. The original charge was {$37.00} by the way. In summary, I was prevented from paying due to their technology, they assured me they were n't going to report to the credit agencies, they did anyway, they rescinded due to their error, and then put it back on again. This is an error. I pay my bills on time and I deserve to have a credit score that reflects that.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of Transunion credit inquiries issue ; I spoke with a Transunion representative multiple times, offered to send a copy of my XXXX credit report for the past 6 months. 
The following credit inquiries are not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is in reference to File # XXXX. XXXX XXXX XXXX has reported an eviction in the amount of {$4700.00} In the month of XX/XX/XXXX. Also a public record from XXXX County Circuit Court In the amount of {$1100.00} both are from the same original creditor ( THE RESERVE AT XXXX XXXX APARTMENTS ) both have been reported on credit report. On XX/XX/XXXX I contacted Transunion @ XXXX I spoke with agent from XXXX by the name of XXXX. I told XXXX that I wanted to dispute some accounts that are being reported inaccurately and I asked about the difference in the amounts for the XXXX XXXX XXXX XXXX Account. I questioned the Amount of {$4700.00} which i have no knowledge of and how could Transunion allow such a huge amount to be reported on credit file without legal and proper doccumentation. I was advised by XXXX that i could dispute both items. Upon my disputes i requested for validation of debt and a billing statement with the list of charges from the collection agency. The court order was only for {$1100.00} where did they get {$4700.00} from? I called back on XX/XX/XXXX to do a follow up of the disputes on that day I spoke with an agent in the special handling department by the name of XXXX, i asked had there been any response back yet and she stated that she did not see any accounts being disputed at that time. I told XXXX XXXX that could not be possible because on XX/XX/XXXX, i also gave her the agents name and the file number that wsa given to me on that day. XXXX XXXX place another dispute on both items again and she stated that she could call XXXX XXXX XXXX to see if that would speed things up. The response was from a collection agent by the name of XXXX XXXX, she responded that this debt was verified and consumer needs to pay the debt. I recently had a tenant screening done my application was denied for having a Public record And eviction on credit report with XXXX different amounts appeared to leasing management as seperate evictions. 

I have no knowledge of this agency an the amount that is being reported on my consumer files. I have no contract with this Third Party Collection Agency. They are in violation to my consumer rights. If this continue to remain on my consumer file, further actions WILL be taken! PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT PERMANATELY.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

This week it was announced that Equifax allowed 144 million of its customers information to be accessed by criminals. Mine is apparently among that information. I have called No fewer than a dozen times to their information number and have yet to complete one of those calls. Incredibly, they simply hang up on you. They are apparently going to offer some credit protection scheme sometime in the future to protect the people who they 've compromised. I 'm wondering why this is n't being done immediately? I would like to file a complaint about this company and get some resolution on this problem.
Consumer complaint received 2017-02-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (TX)

After Amerihome Mortgage Company LLC failed to contact me about the status of my property tax payments for 2016, I contacted the company customer support line. I received information that my local and county property taxes had been paid to the amount of {$1200.00} and {$640.00} in early XX/XX/XXXX. However, my mortgage payments for the year ... the part included as escrow to cover my estimated tax payments, exceeded this taxable amount. The total was {$3300.00} so I am due a refund, was assured that the Tax Department was working on my case and that they would issue a refund check. 
AmeriHome has not attempted to contact me, other than to send the monthly billing statements so I contacted the customer support line once again. I was told by customer support that that my situation had not been reviewed and that I would need to wait for this review process to take place before receiving my due refund. I asked to speak to a manager or supervisor, was put on hold for 5 minutes and then I was disconnected.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am a victim of fraud. I have reported to all the credit bureaus and several companies.
I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted Capital One Bank and XXXX XXXX XXXX to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either.
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AZ)

The lender failed to provide the client and our office a detailed explanation of the reasons for loan modification denial in violation of Regulation X, 12 C.F.R. 1024.41 ( h ). 
Please cease and desist all foreclosure activity pending resolution of an appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ) .. The lender has stated that they denied the loan mod review due to incomplete package being received for review - The lender did not request a Letter of Explanation for XXXX income and did not send a missing letter document or a denial to the client. If they would have done there due diligence in the review of the file they would have found that XXXX is not employed so there were no pay stubs to provide.