davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I took out a 30 yr loan with XXXX in XXXX. Thereafter, in XX/XX/XXXX, the loan changed hands to Litton and then to Ocwen in XX/XX/XXXX. Ocwen says that the loan is a 15 yr loan and that it is due and payable. Upon my request, they sent XXXX document that conflicts with all of the attached records. I have no explanation for this document. However, they have no explanation for the attached documents. My records clearly show that the loan was for 360 months or 30 yrs. It should have approximately 10 more years left. I have attached copies of the original loan documents from XXXX. Interestingly enough, I have noted that all of the figures do not match. However, the one thing that is in common with all documents is that the loan was for 360 months. At various spots on Ocwen 's website, it shows that the loan is a 30 yr loan. I have made copies of each of those pages, they are available if you need them. It seems that I have been blocked off their website as I can no longer get information off their website. I have sent numerous letters to Ocwen to try and straighten this out with no results. Ocwen does not accept the monthly mortgage payments, even though I continue to make them. They just send the payments back saying credit refused. I have all on time payment records for several years back, they are available if you need them. To make matters worse, they are reporting to the credit bureaus that payments are not being made at all. It seems that they are killing my credit to force me to pay the balance in full. The balance is approximately {$38000.00}. I can not afford to pay the loan off, if I could I would. Ocwen has not made any attempt to foreclose on this property even though this has been going on since XX/XX/XXXX. Even stranger is if the loan did mature in XX/XX/XXXX, why are the showing monthly payments not being made after XX/XX/XXXX up to XX/XX/XXXX? If they were right, I am sure that they would have tried to foreclose. The whole thing is at a standstill, I pay and they send the payments back.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (PA)

In XXXX of 2016 I recieved " true & certified '' copies of alleged mortgage documents from CitiMortgage via a Qualified Written Request ( QWR ). Upon reviewing the documents CitiMortgage ( acct # XXXX ) sent me the signature on the promissory note is not my signature and I did not sign the promissory note. This is forgery and fraud. Not soon after making complaints to various agencies I get a notice of the alleged loan being transferred once again to XXXX account number XXXX 
I received notification in the mail from Citimortgage an ACT XXXX NOTICE. This notice was addressed to me and my ADULT children. Notice XXXX instructing each one of us to seek a Consumer Credit counselor to apply for a HEMAP within 33 days.. or face Foreclosure. 
The issue at this juncture is the alleged loan being TRANSFERRED or FORECLOSED. 
How can Citimortgage get way with forgery/fraud and reap the benefits of such actions against consumers such as myself and others..Please HELP This is totally confusing PLEASE HELP
Consumer complaint received 2016-12-29
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

I have been paying Financial Asset Management Systems ( FAMS ) for two years on a student loan debt that is owned by XXXX. FAMS has been miscalculating my payments and not applying my payments correctly to the alleged balance which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS has been adding interest to the balance which is also a violation of the Fair Debt Collections Practices Act. 

I would be willing to settle the student loan debt for {$5000.00}. XXXX had offered a settlement agreement of about {$10000.00} more than 6 months ago. I have been making monthly payments throughout this time to FAMS, including after XXXX offered that settlement agreement. I would be willing to settle the debt for {$5000.00} as I have already paid XXXX thousands of dollars over the past two years. 
During the past 4 years I have filed multiple written complaints and have copies of, against XXXX and their debt collectors for flagrant violations of the Fair Debt Collections Practices Act. 

I would be willing to settle the debt for {$5000.00}. I have been making payments to FAMS for two years each month even while experiencing tremendous financial difficulties. I would need the settlement confirmation in writing from XXXX. In addition, before FAMS I also paid another debt collector that XXXX had hired to collect on the debt, thousands of dollars. The only reason XXXX switched from the old debt collector, XXXX XXXX XXXX, to FAMS was because the old debt collector flagrantly violated the Fair Debt Collections Practices Act, which is something that FAMS has also done. I would be willing to settle this debt for {$5000.00}.
Consumer complaint received 2015-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

My mortgage payment is deducted on the XXXX of each month from my checking account in XXXX i changed banks ; I immediately went online to my account Ocwen site and updated my i new bank information. I went back into the account to make sure new info on bank was still listed. I then monitored my bank account was withdrawn after 2 days from the XXXX the money was still in my account so i got back online with Ocwen and saw that the old bank info had replaced my new bsnk info. I immediately changed the info to new bank and called Ocwen and made arrangements to pay the mortgage on the XXXX. Which i did. The next thing im getting a pre foreclosure notice because of the ach return notice they XXXX when they submitted from the wrong bank abd the o ly way they will accept my payments is through XXXX XXXX. And though i paid the late fee they are still charging late fees- thouhg my payments are on time. I have also asked them if i can change my payment date to be more inline with my payday and the refuse to work with me at all. Also the only way they will except my payments because of the XXXX mixup is through XXXX XXXX. My payment has also gone about 2 years ago from XXXX to XXXX. I hope you can help me with these issues
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Paid the full balance due on the date the payment was due.I received a bill for the Interest for the month the I just paid for.I never had a bill that included a pay-off amount that was in correct and nowhere on the bill does it say the pay off amount is n't really the pay-off amount.I received a bill for a month of interest.even though I send a check to pay the card off.It 's a sneaky way to make Millions of extra money on the backs of Consumers who does not know.They also have a call center that purposely discourages anyone to use it because the average wait time is anywhere from 45 minutes to 2 hrs.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE XXXX HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AL)

I originally filed a complaint that tax lien XXXX was being reported on my credit report even though the State of Alabama withdrew the lien. Equifax did in fact remove the lien and I assumed this would not longer show up on my credit report. 
Recently I was denied a loan because of a tax lien on my credit report. When I viewed my credit report, lo and behold there it was. Tax lien number XXXX. 
Both the lender and I spoke with the Probate Judge and inquired about the lien. She told us that XXXX is referencing a XXXX as paid. She said she did n't understand why Equifax is reporting this. She said XXXX was withdrawn therefore Equifax should not be referencing this. The Probate Judge has never seen this before and the letter, which I have attached, clearly states the State of Alabama has withdrawn the tax lien. 
XXXX should be removed and follow the order of the state.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

First I need to state my right to privacy is XXXX. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

Equifax verified this public record as accurate but I called my court house and my court house said, Equifax never called them or sent them any letter verifying this information. 
Now I am requesting the method of verification used to actually verify this item and according the case of XXXX XXXX XXXX v Equifax, XXXX XXXX and XXXX XXXX remember you have to do a real dispute and actually verify it. Hiring a 3rd party service does n't work for this purpose.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I disputed a collection account from portfolio recovery on my credit report to equifax , they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say equifax , cause as I stated in my original dispute the account was incorrect. So how did equifax verify an account another credit reporting agency could n't? Does Not exactly explain out very well.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NV)

Equifax sent me a letter saying I need to provide driver 's license information, SS stub, copy of social security card, utility bill with current address. 

Most importantly they have my the middle initial of my name wrong on the letter to me. When I submitted the form for free credit report my application information was all correct including my name which Equifax got wrong. 

I am not submitting additional information to Equifax since they did not record my name correctly using the wrong middle initial. Besides, both XXXX and XXXX did not request additional information to receive a credit report which is useless to me because it did not contain information about my credit but included information on a credit card provided to me as a courtesy from a family member which I rarely use.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in as no reply has been sent. Thank you for your time. Attached is the last letter i sent this credit reporting agency
Consumer complaint received 2024-09-18
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. (FL)

I recently checked my credit report and identified several inaccuracies associated with my account. These discrepancies are affecting my ability to obtain credit. I understand that you will look into these matters to confirm their accuracy. 

Please verify the following item : XXXX XXXX account number : XXXX
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax is aware of status received " Certificated of Lien Satisfaction of Judgment '' with XXXX with their dispute filed on XXXX XXXX confirmation XXXX however, Equifax still refuse to update the derogatory remarks on my credit reporting status " paid on time, account closed with zero balance, or removed this derogatory remark from my Public Records on my credit report. Equifax has received the letter of certificated from XXXX XXXX XXXX XXXX Court with the dispute. 

Equifax refusal to correct the derogatory remark from my public records. Their response " CORRECTLY REPORTED '' WHICH IS VERY FALSE. However Equifax refuse to follow a COURT ORDER Certificate of Lien ACCOUNT HAS BEEN PAID AND SATISFIED WITH XXXX BALANCE ( see attachments ) Due to Equifax refuse to honor or aide this court order has caused damage to my credit rating immediate attention is needed with the correct action taken.l I had send attachment of certificate of satisfaction to Equifax with my dispute about this derogatory remark in my Public Records. 
Please address error to higher level of management I had filed numerous complaints with Equifax and they still refuse to response properly to address this complaint or make update corrections. 

Equifax remarks under Public Records should state : 1 : Account paid on time in full 2 : Account close with XXXX balance Thank You XXXX XXXX
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

Two and a half years ago i lived in an apartment complex in stone mountain ga. we had XXXX vandalized cars in the course of 2 weeks. i had to move on the other side of town for a new job. we owed them our lasts months rent. that was XXXX $ they have a XXXX debt on my credit that actually i disputed that got removed but they put it back on and I 'm trying to buy a housestate .They have illegal posted derogatory information on your credit report illegally and will not provide me signed supporting documents stating you engaged in any type of business with them or their customers. I demand they provide letter on their company letter head exonerating you of any financial activity including the account number that reflects on my credit report. Also please remove this completely form all three credit agencies : XXXX, XXXX, and XXXX. ''
Consumer complaint received 2016-03-21
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WELLS FARGO & COMPANY ()

We recently asked our Wells Fargo branch in XXXX, NC to transfer funds from our account at that branch. The transfer requested was an international transfer from our account to the bank account of a business in the XXXX. Wells Fargo refused to transfer our funds. We were told that Wells Fargo would only perform such a transfer if XXXX of us was physically present in the XXXX branch.
Consumer complaint received 2016-11-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (IA)

My brother has assumed responsibility for paying this account, and he has made late payments. I have no way of being notified that late payments are due or that they are going to be past due and my credit score is suffering, as they are reporting XXXX lates as of right now.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

My name is XXXX XXXX ; in XXXX my husband acquired a loan from XXXX.using multiple properties XXXX as collateral. He passed away in XXXX with no insurance on a debt of XXXX. XXXX XXXX changed to XXXX XXXX XXXX XXXX XXXX acquired the loan. XXXX Bayview Loan Servicer took the loan with no record of all pieces of property only XXXX piece. My problem is who the holder of the other property and where is the tax escrow that I paid to XXXX and XXXX because my local tax office is threatening foreclosure for nonpayment of taxes.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

about 4 months ago i have sent a complete short sale package to bayview loan was told that it was on review and also requested to send copy of my driver license and social security card i did send all requested document for the short sale today my realtor called bayview loan to check status on the short sale file and he was told that that i am not able to apply for a short sale and the negotiator gave him no reason. i called bayview loan but they are not giving me accurate information please help
Consumer complaint received 2015-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I HAVE BEEN FIGHTING TO SAVE MY HOME FROM XXXX XXXX XXXX NOW THEY HAVE TRANSFERED IT TO BAYVIEW LOAN SERVICING XXXX .I HAVE SENT ALL INFORMATION AS REQUESTED THROUGH MY ATTORNEY HAVE VERIFICATION FROM BAYVIEW BUT ON BAYVIEW WEB SITE I NOT EVEN IN THE SYSTEM WITH THEM.I HAVE THE UNDERSTANDING THAT WHILE A MOD IS BEING DONE FORCLOSURE SALE CAN NOT TAKE PLACE UNDER DOD FRANK.MY HOME IS SET TO BE SOLD XXXX/XXXX/2015.
Consumer complaint received 2020-06-09
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 (CA)

In a letter dated XX/XX/20, I reported to Capital One that XXXX XXXX based in XXXX, XXXX failed to deliver part of services I contracted with them on XX/XX/20 with payment of {$2500.00} using my Capital One VISA credit card. The contracted tour started XX/XX/20 and should have ended XX/XX/20. However, XXXX XXXX unilaterally canceled tour starting Day 11. In my letter of XX/XX/20, I asked Capital One for a refund of {$1500.00} providing them information that backed up my request. Capital One agreed and posted adjustment on XX/XX/20. However, Capital One re-billed me {$1500.00} with their letter dated XX/XX/20 stating that XXXX XXXX provided Capital One information to support the transaction. I expressed disagreement with this conclusion in a fax dated XX/XX/20 which I repeated in a call I initiated on XX/XX/20. One invoice XXXX XXXX  provided Capital One was for a XXXX XXXX Tour between XX/XX/20 and XX/XX/20, which clearly did not occur because I took a XXXX XXXX flight out of XXXX XX/XX/20 using the same Capital One credit card. For all the other activities on dates I disputed, XXXX XXXX did not submit any invoice. Yet, Capital One maintains that I was not able to meet the technicalities of proof that VISA requires of them. Clearly, I can not provide proof for negative events.
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc. (MN)

I received a collection letter from Monarch Recovery Management XXXX Inc XXXX Monarch XXXX dated XXXX XXXX, 2015. In the letter they state they are attempting to collect a debt on behalf of XXXX Bank. I was immediately suspicious as I have never held an account with XXXX Bank. I contacted XXXX Bank and they confirmed my suspicion of not ever having an account with them, not owing them money and that they never turned anything over to Monarch nor do they use them for collection. I then sent Monarch a debt validation letter on XXXX XXXX asking them to provide details of the debt. I had not heard from them until today when I received a second debt collection notice dated XXXX XXXX, 2015. I called the number listed on the letter and while I did not get an actual person, I left a voicemail asking them to cease and desist any further collection attempts until such debt validation has been made per FDCPA guidelines as enforced by the FTC.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

We had a written approval to close XXXX/XXXX/16, shortly after receiving it we learned there was second lien. We asked several times prior to XXXX/XXXX/16 for an extension to deal with the other lien. We were not able to get in contact with the negotiator or receive any movement on our request at all. We need an extension, so we can resolve the XXXX lien and close the short sale.