davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (NJ)

I check my credit report wee kly. Caine and Weiner just appeared on  XXXX ,  XXXX ,   XXXX   as a collection account associated  with  XXXX  in the amount of {$390.00}. I NEVER recieved a letter, call or any correspondence stating that I owed this amount to  XXXX . In fact, never heard from  XXXX  that I owed this amount. We are or were now, about to close on our dream home and now because of this financial injury and defa mation Caine and Weiner caused by their illegal practices we lost our families dream home ( we have  XXXX  boys ). They violated my rights. I would of been more than happy to pay this if i in fact owed it. I was never given a chance to   research or pay it. This is a straight violation of FDCP and I will exercise my rights and sue for such damages they have caused.
Consumer complaint received 2017-04-27
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. (TX)

Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with  XXXX , Experian, and   XXXX   over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family . Below are some do cuments I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there. For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX   XXXX   Companies like are  XXXX  ne in the same, but neither one can h elp I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping  me BI tra vel to New York,  XXXX   XXXX , and  XXXX  at leas t five tim es per year, and rarely check my credit report. Essentially because of my business, I live o n the road. Recently  after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix th is. Hope thi s yields better success than just calling the collection agencies and bureaus.
Consumer complaint received 2017-04-28
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. (MI)

i have sent over a police report and ftc afidavit and statement to transunion on  XXXX  occasions they have refused to remove these fraudelent inquiries. I have reported the incident to the police and then went back and updated the report. Transunion refuses to remove these inquiries. I did not give these people that are listed the permission to run my credit. Transunion refuses to remove them or verify the validity of them.
Consumer complaint received 2017-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (SC)

Federal Trade Commission Reference Number :  XXXX   Hunter Warfield  has repeatedly tried to collect money from me that was paid to the employees of  XXXX   XXXX   XXXX  despite the fact that I have produced cancelled checks. I paid the company according to their instructions to the   XXXX   XXXX  . I moved out of the apartment into another company managed by  XXXX   XXXX   XXXX   XXXX .
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Omega RMS, LLC (TX)

On  XXXX   XXXX    XXXX  , I was invited to join  XXXX . I felt pressured into buying the  XXXX  membership which I did that day. I realized afterward that I made a very bad mistake and called to cancel but, I was told that I waited too long to cancel and now I was basically stuck with the cost of the membership. I then called the finance company :  XXXX   XXXX   XXXX  and told them that I was no longer interested in Direct buy membership.   I later found out that  XXXX   XXXX  cancelled the membership less than  XXXX  after  XXXX   XXXX  but yet they continued to bill me and eventually sent the account to OMEGA a collection company, this company has sent my account to the credit bureau and has ruined my credit. I have never used the  XXXX  membership and  XXXX  is no longer located in  XXXX  Texas.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

In  XXXX , we refinanced our loan from  XXXX   XXXX  to  XXXX   XXXX , who went under. In  XXXX   XXXX  changed it 's name to  XXXX  and in  XXXX  it transferred servicing to  XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX   XXXX  filed an unlawful detainer summons and complaint in  XX/XX/XXXX  and again o n  XX/XX/XXXX   .  XXXX    XXXX   transferred  servicing to American  Home Mortgage on   XXXX   but yet all the paper work that was filed in  XXXX   County Superior Court  was  done by   XXXX  &  XXXX   .  In  XXXX ,  XXXX  sent us a  XXXX  -abandoment, which  was not filed with the I.R.S. The parties above were represented by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , which they made no appearance in court, they sent a  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , who worked for  XXXX   XXXX   XXXX , real estate realtor, who  American Home M ortgage hired to evict us from our home with no documentation, which we know for a fact because we met with  XXXX   & American  at a Hope seminar at which time they had nothing pertaining to our loan & this was done  thru HUD.  XXXX   Dept of  Real Estate took  XXXX   XXXX  license for selling our property & dividing the money among them self 's. We have been trying to get help in  XXXX  County. We are asking for t he State & Federal to  oversee  XXXX  County as to why no help to consumer 's who lost their home thru wrongful foreclosure. We were escorted out of home by  XXXX   Sheriff Civil Unit without  a Writ issued by the court. This is our second complaint.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (FL)

Today at  XXXX  I received and unknown call from  XXXX  which turned out to be Synchrony Ba nk J.C .Penny Collec  tions-  attempts to return calls to that number were met with silence. I then checked my voice mail and found a number to call  XXXX . Opinion- I guess they can claim I never called back? I spoke to  XXXX  who informed me I was past due. She never stated she was collections. I asked if my account was 30 days late. She hemmed a little then said NO! I asked her what amount I had to pay to be current and not late- THE MINIMUM DU E I asked h er for the correct amount and she again stated $  XXXX  which I asked again- I do not want the minimum I want the true amount- she  stated thats it-  {$35.00}. I paid that amount. Note- my prior complaints which impacted my CREDIT! She substantiated what I have been saying! I pay the amount they confirm is due YET tell me when I challenge that IS NOT THE CORRECT AMOUNT to be paid- that is a lesser amount! Of course you will do nothing that is why a new report. I have reached out and left a message to  XXXX  at  XXXX  ext-  XXXX  and I waiting a reply! I have attached the invoice,.
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

Account Not a Valid collection - item was to be Deleted with Payment in the month of  XXXX  and  XXXX  I contacted SYNCB regarding my SYNCP / JCP and SYNCP /  XXXX   XXXX .   I spooked to numerous representatives and supervisors unfortunately they feel that the bank has the power to keep the item on the report for more 10 years those account past the statue of limitation period and they are still reported incorrectly Accounts was sold to another lender and they never verified the settlement with the lender and never reported this account as Settled accounts still showing Negative on my credit report
Consumer complaint received 2017-04-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I just got foreclosure sale date notice today for  XXXX   XXXX   XXXX  by certified mail while in the modification proce ss. Ocwen Loan Servicing keeps violating the law over and over again. My California Home Owner Bill of Rights.The attempts to wrongfully   foreclose on my home. The foreclosure notice which states that    XXXX  is the foreclosing party. In California  XXXX  can not foreclose by law. VOID! VOID! VOID! CALIFORNIA STATE SUPREME COURT RULING  XXXX   XXXX   XXXX . How many more times is Ocwen going to keep breaking the law. It is a crime. FRAUD. People go to prison for commiting FRAUD. But not the PRESIDENT AND CEO and of them that commit FRAUD AND THEFT a t Ocwen. All the fines Ocwen  has received from different California agencys has not stopp ed Ocwen from this wa y of doing business. It must STOP NOW. Ocwen is currently under investigation with CALIFORN IA FINANCIAL PROTECTION BUREAU AND   OTHER AGENCYS. Ov er 1000 law  suits going on right now against them. Al so Class Action Law s uits.   I am a victim of Ocwens behavior and it must stop now.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On  XXXX / XXXX /  XXXX  , a payment was made in the amount of {$2300.00} which would have paid off the balance on  my PayPal Extras Master Card.      On  XXXX , I received a credit alert that my score had changed. I looked and realized the balance o  n my PayPal Extras Master Card still showed a balance and it showed it was late.
During that call with PayPal Extras Master Card, they told me the payment was cashed and applied to an account that was closed. He told me he would notate the account that no additional payment would be due and that it would take 5-15 days for them to move payment from the closed account to the open account.
I continue to get notifications that I have a balance and they clearly have not put a hold or other on my account, so I continue to send payment to prevent my credit score from falling.
A Case ID ( ticket number ) was provided to me by the asso  ciate during this call.      XXXX / XXXX /  XXXX   : I phoned to check the status of payment and they told me the account was not notated properly and that it would  take 5-15  days to reapply the cashed funds to the correct account.      XXXX / XXXX /  XXXX   : I phone d PayPal Extras MC again to check status and again, I was told the account was n't properly notated and that the clock would reset and it would take another 5-15 days to  apply the cashed payment to the proper account.     It feels highly inappropriate for a publicly traded company to post payment and stall applying those funds to an open account and continue to charge me interest and late fees for an account that would have been paid off. Their stall tactic benefits only them and it clearly a violation of my rights under FCRA.
Consumer complaint received 2017-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

In  XXXX   XXXX , I financed my home with  XXXX   XXXX   XXXX . Loancare took over managing this loan. They sent out correspondence to me in late  XXXX  to participate in  a Equity Accelerator Program by  setting up bi-weekly payments, which I did. It was n't until  XXXX   XXXX  that I found out ( because of an alert on my credit monitori ng ) th at  Loancare was reporting my payments as delinquent. I called Loancare and they informed me that partial payments were not being applied to my loan, but being held in a " suspension account '' until the full amount of the monthly payment was received. Also they were charging late payment fees. All the while, I never knew that my payments were n't being applied appropriately. I NEVER got any notice from Loancare regarding the application of my bi-weekly payments, despite th e fact that they had the correct address, phone number and email address on file. In  XXXX   XXXX  I spoke to someone  at Loancare who se emed to get things cleared up. He requested that funds be reapplied correctly, he requested reversals of late fees, and told me that a payment of {$570.00} would bring my account current. I turned off bi-weekly payments, obtained my new mortgage payment, and turned on monthly payments. My next payment schedule is as follows :  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX , and  XXXX   XXXX ,  XXXX . These are the dates that payments were sent from my bank account.     For whatever reason, Loancare is not receiving or applying these payments in a timely manner which is resulting in MORE delinquent payments being reported to the credit agencies. I 've rais ed 3 tickets to Loancare customer service. I 've sent PDF files of my bank statements as requested by Loancare for review of the issue but  did not receive any response or resolution. I called to follow up on the initial ticket from  XXXX   XXXX  and a representative told me that it was closed and/or not resolved because they did n't have bank tracing numbers to review. No one ever contacted me to request this information so I was advised to start another customer service inquiry! Conveniently, after I called to follow up on the resolution, customer suppo rt at Loancare sent me an email saying that they reviewed my account and were not able to remove the reported information to credit agencies. I decided to file another ticket to customer service and this time I sent PDF bank statements, tracing numbers, and another narrative of the problem. Cu stomer service responded that payments had been applied already and asked me for a copy of the transmittal form so they can see how the bank is sending payments.  Loancare is supremely  incompetent and I have done more than my due diligence in getting this issue resolved. Late payment fees continue to be applied and my credit has been significantly affected. Please give me some guidance so I can get this resolved. I also have credit reports with the negative reporting.
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (KS)

I noticed this account was showing on my credit report In which i disputed it with the credit bureau and it came back as verified. Although I have no clue on what could have been used to verify because I do n't recall signing a contract with IC System.
Consumer complaint received 2017-04-27
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. (KS)

I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per TransUnion instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.
Consumer complaint received 2019-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. ()

The interest rate was crazily increased to 11 %. I don't have control of the co-signer 's credit score.  Therefore, I want to remove the co-signer. I sent a request to Navient to remove the co-signer but my request was rejected by Navient. Navient stated that I did not make a minimum 12 payments and I did not submit proof of income. See attachments. I counted more than 12 payments and sent a recent " pay stub ''. See attached invoice, I operate my own business overseas.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a complaint to to CFPB on XX/XX/XXXX. I received your response but no response or correction from Transunion or XXXX. How do I get them to upgrade my scores?
Consumer complaint received 2017-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

Previous CFPB Complaint #  XXXX . I have been requesting Fedloan Servicing provide me with itemized billing of how my payments are being applied to the  Public Service Loan Forgiveness  program since  XXXX . I have loans that were transferred to Fedloan Servicing since  XXXX , that I have made payments on every month except for  6-9  mths of possible deferments, that show I have only 2 years worth of payments on. This can not be possible! I realized a discrepancy with my PSLF payments in  XXXX  and have made countless requests with Fedloan Servicing since this time. My efforts to get a full accounting of my PSLF payments have been to no avail. I therefore submitted a complaint with CFPB in   XXXX   XXXX   to which the servicer stated they would be sending me a full accounting of my PSLF payments under separate cover. To date, I have received NOTHING! My frustration is compounded by the fact that Fedloan Servicing is the SOLE servicer of the PSLF program. So even if I transferred my loans to another servicer, I would still be forced to deal with Fedloan servicing for the accounting of my PSLF. Today, on  XX/XX/XXXX , I have spoken with  XXXX , a supervisor in Fedloan Servicing 's PSLF department who stated she was putting in an expedited request on my behalf and I would have a response in  3-5  bus. days. Although her tone seemed genuine,  XXXX  is now the  4th  rep who has told me that an expedited request was being put in the system on my behalf since my CFPB complaint in   XXXX   XXXX  . I have no faith in Fedloan Servicing 's ability to live up to its promises. They are by far, the worst servicer of student loans I have dealt with. Both  XXXX  and  XXXX  did far better jobs servicing my loans than this company. I would like the CFPB to do a serious inquiry into Fedloan Servicing and its  PSLF accounting prac tices. With this abysmal level of service, I can not imagine I am the only person having problems with this company.
Consumer complaint received 2017-04-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Dates : late  XXXX , early  XXXX    XXXX  .   Amount : : About {$400.00}, {$420.00} payment The company  is Navient, student loan company. They started to automatically called me with an automated message every day and so metimes after  XXXX   XXXX , they would not leave me alone. And the phone calls/harassment kept coming more aggressively with multiple people on the phone. After a while, they just offered me a short forbearance for abou t 2-3  months, which is ridiculous since I 'm not working full time at the moment. I spoke with them and notified this, still their customer service people would not even acknowledge the notes. I just felt like They 're harassing me, forcing me to make a higher payment and even threaten to default if I do n't agreed with their terms. This has got to stop. It 's ridiculous.
Consumer complaint received 2017-04-28
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: CORELOGIC INC (FL)

I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and   XXXX   credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from CREDCO  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The  debt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

- Not a Valid collection - Item was to be deleted with Payment - Item Shows with a dispute Remark on my Credit Report after the Fact it was Resolved and Settled - Amount was n't clear from the Beginning and i disputed to inquire about the correct amount - Representative never got back to me or replied and took it from collection to reported on my credit report - i was forced to settle it because i was denied renting an apartment for my family until i settle this amount - fro m 2015 u ntil  XXXX ,  XXXX  and  XXXX  still shows as a dispute Remarks on my credit report Check Attached file Page  XXXX    XXXX   XXXX    XXXX  Account #  XXXX   XXXX   XXXX   XXXX