davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

Fay Servicing is  threatening me with a foreclosure sale date on   XXXX   XXXX  , even though this is a government insured FHA loan with multiple options for resolution. They have failed to conduct a review of my current financial circumstances, they have failed to assign a single point of contact and they have failed to offer the option of  Occupied Conveyance.  They have failed to abide by the FHA guidelines by refusing to review our current financial information and considering us for modification, partial claim, special forbearance or even a repayment plan. Instead  Fay Servicing  has served as judge, jury and executioner and moved to restrict our options so they can repossess our home. This is an avoidable foreclosure. We make sufficient income to afford our mortgage payment, the issue is addressing the missed payments when I was sick and unable to work. But  F  ay Servicing does n ot seem to care. This is not acceptable, this is not right and this is not legal!!     We purchased this home just a few years agowe were married in the backyard!! I live here with my wife and our  XXXX  daughter. My problems began when I became afflicted with a   XXXX   XXXX   XXXX   and was unable to work. I applied for  XXXX  assistance and eventually was approved but this was much lower than my normal pay. When I went back to work, I was soon out again due to  XXXX   XXXX   XXXX . During this period I began missing mortgage payments and tried to apply for help to resolve this matter. I could not make any progress, and the loan ended up getting transferred. For a period of two years I continued trying to apply for help -- -I was making payments as I could, which Fay Servicing accepted. At  one  point in time we were told that we had been approved for a modification. However, we never received any paperwork, and despite multiple attempts to follow up with their loss mitigation department, never got anything in writing.     As we sit facing foreclosure, I am back working full time as is my wife. Additionally, we have an   XXXX    daughter and receive a stipend from the government for her care. We have MORE than enough income to afford a fair and reasonable payment. However, the only option that is being offered is to repay all missed payments all at once. I cant reinstate the loan in  one  lump sum. But I CAN afford my mortgage payment, if Fay Servicing would give me the chance to be considered for the government programs that are available for FHA homeowners.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (TX)

I accessed my credit reports and see that Enhance d Recovery Services and reporting as ERC for accounts that are reporting as well. They are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and would like for them to d elete the information they are not bound to report. i have reached out but to no avail they are refusing.
Consumer complaint received 2017-05-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (IL)

Planet home Lending told me sheriff 's sale would be XX/XX/XXXX  . It was delayed 3 or 4 different times. They even had some scheduled without notifying me, found out from a neighbor. I moved out before the first scheduled sale. At one point they had someone call me and offered me {$700.00} to get my stuff out so they could fix it up and rent it. Another time they falsely accused me of abandoning it broke in and changed the locks.i made a report to police and pictures were taken. I have been doing the yard work ever since I left. They had another sheriff sale  XX/XX/XXXX . On  XX/XX/XXXX  they had a realtor put a sign on the door saying no trespassing and threatened prosecution. I called sheriffs off ice and they said the sale was not approved or signed by a judge and I have the right to go  in.I m ade a report to local  police.This  home was at one point financed through  XXXX  and I believe something crooked is going on because of 2 years caused me to move out. They kept sending me @ {$1000.00} a month bill.I could have fixed this home and got some of my money back. It is a VA loan. They are ripping off me and the VA. I purchased it for {$140000.00} in XX/XX/XXXX  .   I wa s told they purchased it back for $  XXXX  I b elieve with about {$20000.00} investment this home could sell for close to {$200000.00}. I 'm looking to sue for my losses.
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

Ocwen Loan Services h as deducted numerous egregious charges from the escrow account without any burden of proof that a real expense occurred. Items such as property inspection fees etc. I have requested Ocwen numerous times to show me that an actual expense occurred and to provide the pictures of the said home inspection or a receipt of an invoice that was submitted from the inspector. They keep sending me the mortgage statements that show deductions but do not provide the proof of expense. The law firm handling the foreclosure case did have the case on hold but now have opted to proceed to foreclosure without resolving this issue. The law firm has also tacked on multiple duplicated fees that have increased the rear amounts owed to an unfeasible amount of money. Ocwen continues to play musical chairs with assigning a different relationsh ip manager every few weeks. Each time the new manager seems to not know what has happened to date?? This certainly delays  any resolution to the issue while they feel free to continue into foreclosure. The problem with Owen started when they refused to explain the charges and I put the mortgage into escrow and did notify them of such. Ocwen has never asked to see the escrow account info or to release the funds or ever resolved the issue or granted my requests for proof of expenses. IN fact all they did was raise the mortgage to satisfy their charges.  Ocwen  also sent a reply to my request to explain the charges to the escrow account stating that my name does not match any of their records??????
Consumer complaint received 2024-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity theft, which has resulted in several unauthorized items appearing on my credit report. These include XXXX accounts and XXXX inquiries that I neither authorized nor initiated. These entries were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXXXXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission XXXX FTC ). I am requesting the prompt removal of these fraudulent accounts and inquiries from my credit report to ensure its accuracy.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from   XXXX   ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  XXXX  announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in  XXXX  would realize of their mistake. Unfortunately for us, it seems it was not the case, and a negative entry in our Equifax and   XXXX   reports says " Account paid after foreclosure started ''.     I have filed this dispute to Equifax three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX , Equifax did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  XXXX   (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX   ),  Mortgage Release (  XXXX   XXXX  ) and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to  XXXX .     Today I got an alert from Equifax and the false statement is still there. I called Equifax and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE  MONTHS AFTER we had settled, they said they can do nothing.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My  XXXX   XXXX    XXXX   Retail card was closed and the reason is noted as consumer request to close.      1 )  I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me,  XXXX  did n't even argue this point. This is totally unprofessional and poor service for customers.      2 )  This misreporting has prevented me from securing student loans.      3 )  My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.      4 )  Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

XXXX   XXXX  AND  XXXX  of   XXXX   XXXX   continues to make unauthorized HARD credit inquiries into my Equifax  Credit  file.     In  XXXX  of  XXXX  I borrowed from  XXXX  to purchase a  XXXX  car through   XXXX   XXXX    XXXX  and took the loan to obtain a rebate.     I paid the car loan off in 60 days. Yes paid off the car loan in 2 months in  XXXX  last year.     However,  XXXX  and  XXXX   XXXX   XXXX  made  2  inquiries in my credit bureau at the time. I notified them of the extra inquiry which was not authorized.     I have just now learned they have AGAIN made  2 ne w HARD inquiries into my credit bureau on  XXXX   XXXX  of this year  XXXX . These are unauthorized and fraudulent usage of my personal credit information. Calling the dealer and  XXXX   XXXX   XXXX  has resulted in no returned calls or response to the new  XXXX  fraudulent hard inquiries.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have had a very difficult time with OCWEN. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives. They have recently declined me and now I have a sale date of XXXX/XXXX/17, which my representative told me it was on " HOLD ''. Ocwen completely lied to me. My wife and I are XXXX, and XXXX years old. This system Ocwen has put us through was very confusing and difficult. I feel like Ocwen was not honest with us regarding how to avoid foreclosure. We are now in a very serious situation. We are very scared, and do not want to be homeless.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX of this year I submitted a dispute with all three credit reporting agencies regarding a questionable tradeline on my credit report. The account was XXXX XXXX and it showed as a charge off with different amounts reporting for each agency. I submitted requests for validation from each reporting agency as well as directly with XXXX XXXX. That request letter is attached to this complaint. Shortly thereafter, the tradeline was removed by XXXX as it could n't be validated. TransUnion however closed the dispute as " verified ''. On XX/XX/XXXX, I recieved the attached response from XXXX XXXX stating that the account had been sold and providing no validation. I sent a second request ( also attached ) on XX/XX/17, again demanding validation. XXXX XXXX responded on XX/XX/17 with the attached letter refusing to provide validation and stating that they already responded to the previous request would not be responding to any further requests. As is evidenced by the attachments, they did not provide any validation in either request. I am submitting this complaint against TRANSUNION because they clearly did not investigate this dispute per FCRA statutes as they claim. I have disputed this item and requested validation no less than 5 times in the past year and each time TRANSUNION simply closes the dispute as verified without providing any evidence of said verification. As shown by the letters from the information furnisher XXXX XXXX, no validation has been provided. Failure to perform thorough investigations into disputed information and continuning to report unvalidated accounts are willful violations of the FCRA. FCRA statute 623 clearly states that if an item of information disputed by a consumer can not be validated, that item must be deleted and permanently blocked from reporting. TransUnion remains the only CRA who has not complied with this law in regards to this account.I am asking the CFPBs assistance in enforcing the law and removing this account from my TransUnion credit report.
Consumer complaint received 2017-05-25
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: Experian Information Solutions Inc. (CA)

XXXX  OPENED AN ACCT IN   XX/XX/XXXX .  THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED ATT   XX/XX/XXXX  A ND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TA KE 5-10 BUS INESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO  XXXX  ON   XX/XX/XXXX . T HIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX     XXXX  Original Creditor   XXXX   XXXX   XXXX   XXXX  Opened Date   XX/XX/XXXX   Balance {$3600.00}
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently changed banks, I had submitted my monthly payment to my capital  one  card and the payment was returned since my bank account closing went through right away. No one notified me on the payment returned. So, thinking that my account was in good standing I found out I had an illness and have n't been in my right sense. Was logging into my account today to pay my bill and it said it was closed. I call customer service and the lady was so rude, she belittled me. I told her about my illness and how I made my payment but because of my memory did n't submit my bank change and she said it was n't her problem and I can apply for a new card in the future and hung up! So now my account is closed when I have never been late for my payments!!!
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (TX)

I accessed my credit reports and see that  Capio Partners are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and woul d like for them to delete the information they are not bound to report. i have reached out but to no avail they are refusing.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NJ)

J.P Morgan  Chase Bank processes checks in a fraudulent matter that benefits Chase and hurts its own customers. Chase claims that you have until end of the business day to fund your account if you are overdrawn. However,  Chase  claims that checks are processed at  XXXX , when in reality they are not processed until next morning, but the date processed on the account shows as the day earlier, causing fees to be assessed to the customers ' accounts. They also, in a fraudulent matter, process checks from the highest amount to the lowest amount all at the same time, even when the checks are deposited by the receiver at different times. This scenario causes the maximum amount of fees to be assessed to the account. Checks are processed at the time of the lowest balance before any deposits are credited to the account. This is apparent when checks are processed at  XXXX , not allowing for any deposits that were made that day to credit the account, since they are made available the next business day.     For example, our business account has funds that come in and go out regularly. Deposits are made by our credit card processor regularly, with it showing up in the account within  24  hours. However, it seems these deposits are held up by Chase when the account is at its lowest and checks are then processed. If the following checks were written, {$1800.00}, {$90.00}, {$85.00} & {$75.00}, with an account balance of {$3000.00}, there is enough to cover these checks when the checks were written. However, business goes on, the debit card is used and withdrawals come out, while deposits come in from our credit card processors. Let 's say {$2000.00} has been withdrawn but a deposit coming in of {$2500.00} has been issued. So, before the deposit is made, there is an account balance of {$1000.00} on Monday, not enough to cover checks that have been written a week to a few weeks ago. Then at  XXXX  the next da y ( Tuesday ), t he {$2500.00} deposit was never credited yet but the checks of {$1800.00}, {$90.00}, {$85.00} and {$75.00} are cashed all at once. The date then shows on the account as Monday for the processing, even though it was done on Tuesday. The {$1800.00} check is cashed first, causing the account to drop at - {$800.00}, causing a {$34.00} fee, then going forward {$90.00}, {$85.00} and {$75.00} are cashed, causing  3  more {$34.00} fees. Then late that day the deposit of {$2500.00} shows up bringing the account back to positive. However, Chase Bank already maximized its fees. If the {$75.00}, {$85.00} and {$95.00} checks were cashed FIRST, the account would have a balance of {$750.00}, then when the {$1800.00} check is cashed overdrawing the account, only one fee would be assessed. This is a very fraudulent process and it has happened to me a few times in the past.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On    XXXX   XXXX   XXXX  ,  I took out a student loan with  XXXX . In  XXXX   XXXX ,  XXXX  reported it as delinquent and threatened to sue me. After a written request to cease harassing communication in  XXXX   XXXX ,  XXXX  did not communicate or attempt to collect the debt. On  XXXX / XXXX / XXXX , my credit report reflected the negative account as being due to drop of my report in  XXXX   XXXX . On  XXXX / XXXX / XXXX ,  XXXX  issued a  XXXX  With event code H for this loan. From on or abou  XXXX   XXXX   XXXX   until  XXXX   XXXX , I have had a  credit score in  the mid to upper  XXXX .     In  XXXX   XXXX ,  XXXX  assigned the loan to  XXXX   XXXX .  XXXX  refused to accept the loan. On or about  XXXX   XXXX ,  XXXX  sent the loan to a collection  Agency  called  XXXX   XXXX   XXXX . On or about  XXXX   XXXX ,  XXXX ,  XXXX  reported the debt as delinquent to the Credit Reporting Agencies showing that  XXXX  closed the account in  XXXX   XXXX , and that the delinquent report will not be removed until  XXXX .     From on or before  XXXX   XXXX ,  XXXX ,  XXXX  has failed to provide any means of communication re : student loans and referred all inquiries to  XXXX . On  XXXX / XXXX / XXXX ,  XXXX  denied accepting the loan,  XXXX   XXXX  denied unlawfully reporting the loan to the credit bureaus, and  XXXX  has failed to provide any method of contact to resolve the issue.     The debt is time barred and has never been revived under any section of law. The debt was to be removed from all credit reports no later than  XXXX   XXXX  under the law.     At this time,  one  or all  XXXX  companies appear to be in collusion to avoid liability for unlawful practices under the FCRA. One or all  XXXX  companies have failed to provide any means to dispute the unlawful negative report.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (TN)

I applied for a rental apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX, Tennessee XXXX ( XXXX ) XXXX on XX/XX/XXXX, 2017 and was immediately denied. When I contacted XXXX XXXX XXXX, they told me they had no control over the matter and directed me to CoreLogic and their number is XXXX. I contacted CoreLogic and they told me there was a criminal record and I would have to dispute it and they could not provide me with any more information. I immediately disputed the issue and I have also faxed a copy of the dispute to Core Logic. When I contact them now, they say no information can be provided. This needs to be cleared up immediately. I have never had any criminal record and I have recently been cleared under a TBI and FBI background check for the XXXX XXXX I have taken with the  XXXX XXXX XXXX. This is obviously incorrect and this CoreLogic company and XXXX XXXX XXXX are using information against me that is libel information and I intend to pursue this until it is cleared up. Kind Regards,