davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-19
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. (IL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Our current mortgage is held by Bank of America that purchased it some years ago from Countrywide. We recently applied for refinancing of our loan to consolidate several other loans for vacation property and home improvements. Bank of America estimates that we could get our monthly payments several hundred $ $ less per month compared to the current mortgage and the monthly payments for the other outstanding debts. We had the house appraised for several hundred $ $ ( non-refundable ) and the report came back at 100K more then the total of the new mortgage. We were not upside down. We have a history of timely and complete payments on our current mortgage as well as on all other debts. Our credit score is in the XXXX range. My wife and I are both employed and I receive a pension from the XXXX that was not included in my yearly income by B of A. Our XXXX is approx XXXX per year. We thought this was going to be a slam dunk. 
Yesterday I received probably the XXXX request for further documentation of what I consider artificial hoops placed by their accounting department. To illustrate, we owed {$4000.00} in federal taxes for 2013. they asked me 10 days ago to substantiate the source of the funds to pay this amount. I sent them the image of the actual check endorsed and stamped by the IRS with account and routing # visible. In the last email they requested " documentation to support source of funds used to pay 2013 income taxes '' This after they confirmed receipt of these documents. I am at the point of mistrusting their sincerity in ever getting this loan finalized. I have no clue why they would be putting my wife and I thru this elaborate and redundant process, but here we are with no refinanced mortgage. I have saved all email communication with them as well as the documents sent on this fools errand.
Consumer complaint received 2019-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an active fraud alert on all credit bureaus, yet inquiries still keep popping up with no reaching out from the creditors or credit bureaus. These inquiries are unauthorized and have not been wiped even after sending in proper police reports. 

XXXX  XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 TransUnion XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX  XXXX XX/XX/2019
Consumer complaint received 2016-07-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

This letter to Attorney General XXXX describes the nightmare Ocwen has made of the entire year of 2016. They are endangering the life of my XXXX son : Dear Attorney General XXXX XXXX, Department of Justice , XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXXXXXXXXXX, is trying to help my XXXX son XXXX with a XXXX problem but OCWEN keeps making my credit score go up and down like a yo-yo preventing me from getting a loan. XXXX could get a XXXX and XXXX XXXX if we keep putting it off because OCWEN keeps changing my score from " very good '' to " poor '' by their constantly taking my loan on and off of my reports. XXXX already has a XXXX XXXX. All this delay could cost him his life. 

I pay all my bills on time. I have never been late on any bills since I became a single mom. 

I have a blog which shows OCWEN has been doing this to us all of 2016 : XXXX My OCWEN loan is being reported as closed, AGAIN. This is not true. My credit score fell from very good to poor the day Ocwen started changing what they report to the bureaus. This denies me the ability to get a loan to fix my XXXX son 's XXXX XXXX. XXXX has a XXXX XXXX. He could get a XXXX and XXXX XXXX if OCWEN ruins my credit all 2016 in spite of my perfect payment history. They are preventing me from conducting business as usual. They have crippled me financially all of 2016 when they first began attacking my loan in good standing. 
Please make them stop destroying my good credit. OCWEN claims they HAVE to ruin my credit anytime I contact the Dept of Justice or CFPB. They expect customers to be afraid to ask you for help for fear of having their credit score drop drastically if they do. That is wrong. Please help me so I can get a loan for XXXX ' XXXX XXXX with XXXX XXXX before something terrible happens to XXXX. Thank you. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KY)

I am enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I have been enrolled in the program and working for a qualified employer since XX/XX/XXXX. Despite submitting appropriate records including Income Based Repayment forms, annual certification forms for the PSLF program, and being enrolled in the direct debit program, XXXX XXXX XXXX still has not calculated my payments correctly. My loan was transferred to XXXX from XXXX in XX/XX/XXXX. The payments I made with XXXX are not being counted and all the qualifying payments I have made with XXXX XXXX are not being counted correctly. I have spoken with this company 9 times since the spring of XX/XX/XXXX and this situation is still not corrected. My employer has spoken with them twice and given them my correct employment start date, but my qualified payments are still not correct. Based upon my calculations, I should have made 33 qualified payments, but XXXX XXXX servicing is only crediting me with 14.
Consumer complaint received 2015-12-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (TX)

I received a loan from Spotloan for {$400.00} on XXXX XXXX, 2015. During the application process it did not mention that the payments it pulled every paycheck would be interest only. My payments have come out on payday without issue since that time for {$66.00} every two weeks, XXXX payments in total since the loan was issued, totalling {$600.00}. I did n't have a payment pulled on Friday when I was paid and thought finally I had paid the loan and it 's outrageous interest back in full. 5 days later on Tuesday XX/XX/XXXX I received a NSF fee from my bank and asked what it was for so that I could ensure I paid whoever it was that was n't paid, they replied that it 's Spotloan. Later that day, today, I received an angry email from an employee at Spotloan stating " you promised to pay us back, why are n't you paying us back ''. When I logged into my account with Spotloan for the first time to check the balance and see if I could just pay the remaining balance off and be done with these crooks I saw the remaining balance is {$390.00}, they 've only applied {$6.00} of the {$600.00} I 've paid them to the principal. I can not imagine this is legal or allowed, my understanding is some of the payments were required to go to principal, and I would n't think that a fraction of a percent of each payment would be adequate to meet that requirement. I 've paid this loan back plus 50 % interest over the last 4 months, and apparently I have made no progress toward the balance, this is robbery.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I have filed complaint after complaint. Ocwen started threatening me with foreclosure due to a second mortgage that was discharged in bankruptcy. I was advised by the bankruptcy attorneys to refile bankruptcy to stop the foreclosure until they could correct the error they made in not filing the lien strip even though the money was discharged. I did just that. I wrote the courts and advised I was paying monthly to the courts even though my debts were discharged. To no avail. The case was dismissed several months ago. Now Ocwen wants the entire balance paid. On XXXX XXXX 2015 I called Ocwen and asked for a payment arrangement. The agent did n't ask any financial information but told me I had to pay XXXX in 2 days and another XXXX in 3 weeks and XXXX monthly. I could do that. I asked for the XXXX. I was told it would be sent out on XXXX/XXXX/15. I called Ocwen a week a letter asking for the modification packet. I was told it was sent out. I asked what address it was sent to. The agent gave me an erroneous address. I stated that back in XXXX I updated my address with Ocwen. I advised them I had the employee repeat the address twice and he got it correct. I advised I did n't receive the packet. Someone changed the address in the system. The employee advised it was faxed to me. I stated I do n't have a fax nor did I provide a number. He then stated oh it was mailed. As of today I have n't received it. I asked Ocwen what did they mail out to me. They mailed out foreclosure papers. I advised I did n't get anything because the purposefully sent it to Georgia. I asked if it was certified they stated yes. But could n't state who signed for it. I advised them i felt it was illegal to try to deny me the right to keep my home and foreclose without my knowledge. I set up a payment arrangement today. When I received the email it was entirely different than what we agreed on. I am pleading with CFPB please look into this. I a. Doing my part. I advised the agent I will take out money out of my XXXX for the town payment. He said ok as long as I could make the payment. I am willing to make an arrangement and request a modification but Ocwen is not working with me even though it 's there actions that have caused this situation.
Consumer complaint received 2015-10-30
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Asset Recovery LLC (OH)

HI, ok, I got a call from a company telling me that I was going to be served tomorrow between XXXX for an old payday loan. He said that I had 10 days to pay or I would be " SERVED '' and court cost plus garnishment would all add more to the bill. He scared me so I gave him my info and split the payment in half, for {$580.00} each. 

I started to have doubts once I calmed down which was a couple of days, then I called the attornery general in Ohio and also my bank, Both had said they get hundered of calls like that and more than likely its a scam. So I stopped payment on the payments and luckily my bank refunded XXXX payment that was processed and the other payment did not go through.. 

I googled the company and there were alot of people who commented on how they got the exact same speal. 

The name of the company is different though, the name he gave me was XXXX XXXX AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The name of the company may be different but the address is identical. I am confident that this is the same company. 

I just googled that address and its a XXXX. 

He called me today and wanted to know why i stopped payment, of course this was on my voice mail and i was at work, but XXXX minutes later, my son texted me that XXXX called him and told him to have me call about a legal matter. 

I called the XXXX for New York and they told me that this company has an F rating and that is is illegal for a company to collect on a payday loan. 

I hope that you can help me get him to leave me alone. 

Thanks for your help, I really appericate it.
Consumer complaint received 2015-10-23
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MI)

Rush card will not activate my card they keep transferring me than hanging up on me I have been on the phone for hours I do n't feel it fair I need my money that they are holding I 'm forced to go to payday loans to pay bills and get gas to to work and feed my family I ca n't get my medicine no moneys
Consumer complaint received 2015-06-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a check from my insurance company for roof replacement made payable to myself, a XXXX veteran, and my spouse. It was also made out to the previous mortgage holder, XXXX XXXX I endorsed the check and gave it to the roofer. He in turn, took it to the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The bank cashed the check without the endorsement of the mortgage holder. I also called XXXX XXXX Bank, the bank the insurance check was drawn on because Bank of America told me ( after multiple calls to them ) that it was a XXXX XXXX problem not theirs. However, XXXX XXXX did not cash the improperly endorsed check, Bank of America did, I believe that the Bank of America did not follow their own guidelines when they cashed this improperly endorsed check. Please advise and I have provided a copy of the check in question. The other signature besides those of my husband and mine, is that of the roofer, XXXX XXXX. I have also filed a police report as XXXX XXXX never did the roofing work so I am out XXXX the money.
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

We have been getting repeated calls from the company Freedom Mortgage. This has been happening for several weeks. In each case we have informed them the house has been paid off since the late XXXX 's and there is no intention to open a loan on a house that is paid off. We have been told repeatedly that we applied for the loan which is not true. We have repeatedly asked to be removed from the call list. WE have been repeatedly told it would be done. This morning alone we received two calls no more than 5 minutes apart. The main Customer Service phone number for Freedom Mortgage is XXXX.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I have tried to work with Navient on several occasions to try to work out a payment that I can afford, each time I try to set up a payment schedule that I can afford, I get steered into the Income Driven Repayment Program. I was recently sent a notice that it is time for me to re-apply for my income driven repayment, I called Navient to speak with a representative and was told that I can not re-apply over the phone with a rep, that I could only apply online or by mail. I have tried several times to go online and re-apply for the program without success. To start with, the website had to approve my login information, which caused a delay, I have tried again to log in with no success due to the site being shut down for maintenance. I have also been harassed by phone by both the Federal and Private sides of Navient after telling them not to call me on my phone. I have told these people several times that I want to make payments on my loans if I can make a payment that I can afford, I have been told that I had to pay the unreal amount each month that they want me to pay or directed into a program with forbearance or income driven payments with a XXXX payment but the interest continues to accrue. I also attended a school that was recently closed due to over charging and scandals associated with it for predatory lending against it. I am also an XXXX Veteran. I have suffered major hits to my credit score from these loans and have accrued so much interest on them, that I may never be able to get straightened out so that I may be able to own a home or any other credit driven advances in my life. These people are crooks and should be dealt with accordingly.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, 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. (AL)

The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

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 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 Retail Card 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/XXXX/XXXX
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, 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. (AL)

The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Issue summary : $ XXXX transferred from XXXX to Citi is missing. 

Issue details : 1. XXXX XXXX opened Citi bank account online and initiated opening deposit of $ XXXX in the process 2. XXXX XXXX XXXX deposits by Citi into XXXX verified 3. XXXX XXXX received Your opening deposit has been made email by Citi 4. XXXX XXXX $ XXXX withdrawn by Citi from XXXX 5. XXXX XXXX closed XXXX account 6. XXXX XXXX called citi since citi account still did not have funds credited. Was told it will take XXXX business days 7. XXXX XXXX called citi since citi account still did not have funds credited. Was told it will take XXXX business days 8. XXXX XXXX morning called citi since citi account still did not have funds credited. Was told it will take XXXX business days 9. XXXX XXXX evening call to Citi. Was told that my account was blocked for fraud and funds did not get into citi account for that reason ( No reason for fraud/block given ). Citi said they rejected the funds.But the funds would not go back to XXXX because i closed XXXX account not knowing that citi had blocked my new account. Had a conf call with XXXX, citi and myself. Citi and XXXX both blamed each other. Citi guy said he will follow up on why the account was blocked. But he never got back. 
10. XXXX XXXX, talked to Citi supervisor named XXXX XXXX, explained the situation. She told she will talk to new accounts/fraud dept and ask them to give me a call. But never got a call back. 
11. XXXX XXXX talked to XXXX regarding missing funds, they said will look into it 12. XXXX XXXX XXXX gave me transaction details for the withdrawal and asked to file a case with Citi. They told me the reason funds got rejected by citi is name mismatch ( citi never informed me about this ) 13. XXXX XXXX citi declined that they have funds and was told that the account is being closed 14. XXXX XXXX filed a case with citi regarding missing funds, was given XXXX business days ETA 15. XXXX XXXX got a call from Citi regarding this issue, repeated the whole ordeal in the phone and was told they will get back. 
16. XXXX XXXX got a call from Citi again asking my experience with citi banking, I gave them my issue details again. Was told they will get back 17. XXXX XXXX, today. No update from Citi Never did I get an email/mail/call regarding blockage/fraud/funds etc from Citi before I found out myself on XXXX XXXX. They were utterly negligent/irresponsible/unresponsive/gave false info multiple times. They even sent me atm card, check book, account statement giving me false impression that everything is ok. 
I had to call them every week and find out as to whats going on. Wasted about XXXX hours in the process. ( Above list of calls may not be complete )