davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

I have been trying to get assistance with my mortgage s ince  XX/XX/XXXX . I asked for a lo an modification. Received the modification, but the payment was higher than my original payment. If I was having issues paying my regular payment how can I pay the new payment.     So I asked about the temporary forbearance program, which allow 11 months to catch up. I was told I qualify for that sent me the information to sign and send back with a payment of {$600.00}. I followed all instructions.   I get a call and agent tells me the temporary forbearance was removed and I was put on a loan modification. I did not sign anything regarding a modification. I did not want my payment to increase {$130.00}. I was prepared to pay the extra to get caught up. Basically everytime I call I get some different information. So now I was told I will need to send another statement stating I do not want a loan modification, and put down another down payment for the temporary forbearance program. I just trying to get caught up on my pymts and it seem  like no one can help.
Consumer complaint received 2023-04-27
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. (PA)

Fraudulent accounts and inquiries appearing on credit report. XXXX. XXXX XXXX {$0.00} XXXX. XXXX {$510.00} XXXX. XXXX XXXX XXXX {$810.00} XXXX. XXXX {$25000.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX XXXX
Consumer complaint received 2017-08-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (MI)

Hello, I am looking for an attorney to review my realestate case.
I had been working with NACA, ( counselor : XXXX XXXX ),, Which is funded by HUD. They promise no down payment, 3.5 % interest rate, no closing costs and poor credit ok and loans up to 150 % of appraisal to make improvements. ( I lost all my rentals and my primary house in XX/XX/XXXXhousing crises/ predatory lending and was forced to file bankruptcy ) I bought a house on land contract with {$3000.00} down and 7 % interest, ballon in 5 years which was XX/XX/XXXX.
You have to go to pay for membership with NACA and go to meetings, volunteer and complete extensive paperwork. I completed my paperwork beginning XX/XX/XXXX and completed in XX/XX/XXXX I was promised my loan info would go to under writing and within 10 days I would hear back of closing. As far as I know my loan never went to under writing. I have called left messages, sent emails then complained to Member services and then received an email asking for updated bank statements. Now the office does n't even answer my calls or respond to email. I do n't know if I am being discriminated as throughout the whole process I have not seen another XXXX.
My landlord is stating he will be forced to start legal action. Now I am being forced into getting a loan thru XXXX XXXX ( who is a cousin of my land lord ), with high interest rate with several thousand in fees and no additions money to fix and insulate this house.
I appreciate any help you can give me. Please call/email once reviewed.
Thank you for your help in advance.
Sincerely, XXXX XXXX
Consumer complaint received 2019-12-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Home is upside down on the mortgage. We have the house on a short sale since XXXX  of XXXX. We engaged energetic Real Estate agent who during that period presented Mortgage processor- Mr.Cooper- with three offers that were close to the BPO range. Each offer was turned down by lender and Mr. Cooper. The last offer which fell through in XX/XX/XXXX was for $ XXXX. To this offer Mr. Cooper counter offered at $ XXXX. The buyer felt the price was too high for the shape of the property and walked away from negotiation as did the first two buyers. We currently have a new offer in negotiation with Mr. Cooper. This latest offer is for $ XXXX, which meets Mr. Cooper's/Lender previous counteroffer on the nose. Yet, Mr. Cooper has once again changed the goal posts and is now requesting $ XXXX as a counter offer. Message of this counter offer signed today by MR. XXXX XXXX It appears to us that Mr. Cooper/Lender is not negotiating in good faith. Mr. Cooper appears to want to extend the loan servicing in order to garner additional default fees. Or, it may be forcing foreclosure by exhausting our energies. This may be the last opportunity to sell this home. 

Several stories on the internet indicate that Mr. Cooper - predecessor Nationstar - plays games with short sales. Please help them adhere to good practices
Consumer complaint received 2017-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called Equifax credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XXXX report. ( Bankruptcy dischargedXXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on credit reports ; and as evidenced, it had not shown up on the XXXX report. At first the response from the CSR was a type of circular and dismissive explaination, which led nowhere. when I questioned what they were saying, they finally stated directly that I was lying. A similar conversation ensued with XXXX, as there appeares to be the same clear mistake on their report as well. Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner. I have to say that XXXX is the most professional to speak with of the XXXX, but I am uncertain of their documentation. Please note the following : Reposseison of vehicle XX/XX/XXXX. Filed bankruptcy XX/XX/XXXX. Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy. Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues. I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time. Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.
Consumer complaint received 2017-08-04
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: Experian Information Solutions Inc. (TX)

Was recently notified by XXXX card that my FICO score had dropped XXXX points. I checked my credit reports and XXXX shows a tax lien filed in XXXX County New Mexico on XX/XX/2017. There is a new federal law that requires credit reporting agencies to remove liens if they do not contain full name SSN and date of birth. This lien does not. I have been through this with XXXX and they removed it from my report. The County Clerk has also removed it from the records, as it was not timely filed, and I was not a New Mexico resident for tax purposes. The tax lien record number is/was XXXX. XXXX  has recently placed this in my credit report, I believe illegally according to federal law. I do n't understand how this could happen. They should be aware of the law and abide by it. I will send copies of all pertinent information to the CPFB along with a copy of my complaint, as I am unable to attach it to this document.
Consumer complaint received 2017-08-04
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: Bread Financial Holdings, Inc. (TX)

On X/XX/2017, I called in an order with XXXX for several items totalling XXXX . I did not receive the items. Instead, I received a bill. When I tried calling, I was referred to Comenity Bank by the automated phone system. I called Comenity Bank and got only an automated system that finally hung up on me and never addressed my problem. I was not aware of the association of XXXX with Comenity Bank prior to my order. Had I known, I would not have ordered anything. I had prior experience with XXXX XXXX who is also associated with Comenity Bank. This issue was resolved by the Better Business Bureau. I am concerned about the fraudulent way these companies do business, and I do n't want others to be held hostage to their practices. Please investigate and act against this unfair cooperation.
Consumer complaint received 2017-08-03
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: Clarity Services (FL)

I am re initiating this claim for the unauthorized inquiry on XX/XX/XXXX because their response to my 1st complaint is deceitful. I have never done business with this company and they have sent me a letter requesting my social security number in order to look into my claim. I provided sufficient information for them to look into this unauthorized inquiry in which they themselves do not know for what reason or on whose behalf it was initiated. Here is their response to my 1st complaint " In response to this complaint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Clarity Services emailed the consumer to obtain the information necessary to assist the consumer with her concern. On XX/XX/XXXX, Clarity mailed the consumer a letter requesting the information necessary to assist the consumer with her concern. As of XX/XX/XXXX, Clarity has attempted to reach the consumer using all communication methods provided in the complaint. The consumer was unresponsive to Claritys attempts to resolve their complaint. '' I sent them a follow up email response and never heard back from them. Instead, they drafted a new email trail re iterating without responding. She wanted to work on my claim via phone and I said I prefer email. See attachments
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (MD)

I deposited a check for {$950.00} through the mobile pnc app on X/XX/17. The following monday I received a notice of a hold on my deposit and I spoke to the teller at PNC and was assured that after 5 buisness my check will be cleared. My check was cleared on Saturday X/XX/17. The following there was another hold on placed on my funds and has not been lifted since.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (NY)

I used to own a house and unfortunately I had to rent. I ca n't live in there because of my job requirements ( I had to move to get a job when I got laid off ). The house is rented and I manage the property. The house living room developed a water leak issue due to a broken gutter. Additionally I needed mold inspection and ESTIMATES to be delivered to ensure a safe environment for my tenants. My tenants contacted a company called XXXX XXXX XXXX that did the inspection ( which I paid for ) but never gave me an estimate on the work required. I called them multiple times but did not receive any paperwork or verbal estimate. My tenants also claimed that they did not have an estimate. At some point they came in to do the work ( I kept calling ) despite the gutter not being fixed. Note - the gutter was NOT fixed and the mold could not be effectively fixed ( water still leaking ). XXXX XXXX eventually left without doing the work. Finally after the gutter was fixed, I asked them to come in and they told me that I have to pay the full amount because they had already come in and attempted to do the work. Note - the work was never done. Now they have submitted a claim to the collections agency which will hurt my credit and financial status. My tenants have left and are not claiming any responsibility. I was never sent any estimates or contacted about the work. In short I never approved any work, nor did I receive estimates, nor was the work completed. Instead I am stuck with a payment for a service I did not incur and benefit from.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX a repo company tried to come to my mother 's house and repossess my car. My mother is a XXXX XXXX herself for a local XXXX XXXX and works with this company so was obviously completely embarrassed and called me right away. I was told that they were coming within 24 hours to take my car because Huntington said I had not paid on it in 3 months. Long story short I have always gone through the drive through since my branch was XXXX XXXX and paid my car loan. For the last 3 months whoever was working the drive through window put my payments on the WRONG ACCOUNT. I called and was told I needed to bring proof that I had paid. I got my bank statements and printed out the cancelled checks and took them in. They never apologized and acted like it was no big deal. I told them I needed a demand letter stating exactly what happened ( this is in my BBB complaint ) and for my credit score to be wiped clean ( it had significantly dropped due to these fraudulent " missed payments '' ). I was assured of all of this. After filing a complaint with the BBB, someone called and said that they still had no idea why my payments went into the wrong account ( so now I have to worry every single month when I go in to pay ) and that my credit report was fixed. Just looked at my credit report and it is fixed for XXXX 's payment fur XXXX 's payment is still showing missed and my credit score is still significantly down. I 've still never gotten an explanation or apology from the branch and my mother being a XXXX XXXX is appalled at their business practice and I 've asked for a credit multiple times and have been ignored. Why are they able to benefit off of my money and go on with their " business '' as they 're wreaking havoc on my life and causing me unwarranted stress. I need my credit report wiped clean of this immediately, and once again feel I should get some sort of credit to my account for all of this.
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

I have had a PNC checking account for many years. I am a service member in the XXXX and have had my direct deposit with them for quite some time as well. In late 2015 I unfortunately got XXXX to serve the country in XXXX with my unit. While XXXX  there were many fraudulent transactions that occured on my checking account that brought it to a negative balance and closed it out completly. There seem to have been debit card usage and my acount number may have been compromised as well. i do remeber my last direct deposit of my job was a deposit of {$1200.00} and i was under the impression that the amount would be available once i returned back stateside after XXXX. Once I arrived stateside I was notified when I called into a local PNC branch that I no longer had a active checking account and that it was charged off for a few dollars meaning that my funds were taken as well.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Received a collection notice from Credit Collection Services on X/X/2017. The notice identified XXXX XXXX XXXX XXXX as the creditor and the amount was {$24.00}. I have never had XXXX XXXX so I contacted them first. They confirmed that I have never had any type of XXXX XXXX  and that there was no debt. That call was on X/X/2017. When I called the Credit Collection Services on X/X/2017 they said the amount was paid in full and no further action was required. I never made a payment.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MD)

While in the process of getting a loan to purchase a house, I was informed that I have a Chase credit card on my name, which is in delinquency and I was reported in the credit bureau. I never opened such card or had any knowledge about it. I called Chase to find out more information. They told me that they were going to assign the case to a fraud investigator and they were canceling the account. It was clear in that conversation that the card was not opened by me and it could be identity theft. I was told that I would receive some paperwork by mail in max 7 days in order for me to sign and return and they will continue with the investigation. Upon my request, a supervisor was able to tell me that they will send a written communication by was stating that the account was closed and an investigation was being started. Almost a month had past and I have not received anything. I called again and asked for some proof of cancellation and the initiation of the investigation. I need that so I can provide it to the Bank where I am processing the loan for my home. I had to speak with many people again, explained the situation. I was transfer to a messaging service of the investigator assigned which is on leave for three weeks and you can not even leave messages. Called again and asked CHASE again for a communication in writing about the status, that the card has been canceled/closed and the investigation is in process. After almost two hours and transfer to many people and departments, they say they can not provide anything. They even said this time that no information is being sent by mail or fax. My credit is affected and I am only requesting a letter stating the status of the account. Nobody in CHASE take responsibility of informing a customer in writing the status of the situation.
Consumer complaint received 2020-09-02
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)

Trans union and XXXX  are fraudulent on my accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2017-08-04
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following company I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA.
XXXX XXXX XXXX AMT {$1200.00} The above company has not provided an original signed contract with my signature and therefore MUST be deleted from my credit report immediately.
Due to poor lack of investigation and communication I 'm requesting that all of the account be DELETED from my credit report.
Consumer complaint received 2017-08-04
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 — Problem with personal statement of dispute
Company: John C. Heath, Attorney at Law, PLLC (NY)

. When I requested the same information from the XXXX XXXX XXXX XXXX account which was over 7 years old they provided the information that I needed, and I was n't responsible. Therefore, I naturally requested that same information from XXXX XXXX upon closing the account. XXXX XXXX customer service/debt collectors continued to resist providing any information regarding ownership of the business account. XXXX XXXX provided, no letter 's, nothing on federal guideline facts. I 'm now just being informed of this federal guidelines fact on Friday XX/XX/XXXX, why was n't I informed of this fact upon on closing of the account? The reason I decided to stop using XXXX XXXX was poor customer service from your global locations, and it 's had to find places that take XXXX XXXX in XXXX. XXXX XXXX debt I paid that immediately when that showed up on my credit report. I yearly use and pay of XXXX Dollars in Credit. I pay my bill 's on time and I have an impeccable payment history. I will not stop, until this it 's been removed from my credit profile, and that has to happen immediately, if not I shall seek compensation. CFPB Ref No : XXXX Ref : XXXX Subject : Your XXXX XXXX XXXX Business Credit Card Ending in XXXX Account Liability Credit Reporting Dear XXXX XXXX, Account Liability We are required to retain copies of applications for a period of 25 months according to federal guidelines. Our records reflect that your account was opened on XXXX XXXX XXXX. Therefore, we are unable to provide a copy of the application you submitted for this account.
Consumer complaint received 2017-08-04
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. (NC)

I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.