davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

I have a mortgage that is in bankruptcy. The court sends me paperwork from the company ( Ocwen Loan Service LLC ) and it quotes my monthly note as {$940.00} as of XXXX/XXXX/XXXX. The quote also list my previous note ( for the last six months ) as {$1200.00}. In XX/XX/XXXX I received a quote from OLS stating that my note will be {$1700.00} beginning on XXXX/XXXX/XXXX and that was the note the six months prior ( that they had previously stated was {$940.00} ). This might not be serious to you, but according to my previous complaint, this is what happened last time when Ocwen decided to do XXXX mathematic and tried to take my house. I thought that we had gotten a good understanding since I was forced to go back into bankruptcy to save my house. I have truly struggle trying to save my house that I only owe {$33000.00}, despict the fact that prior to writing to the banking authority they had me owing {$67000.00}. Even though I owe less principal than I have ever owed, the company is requiring that my note is more than it ever have been. That note is almost impossible for me to pay. I have spoke to the insurance company and they have gone from {$2500.00} to {$10000.00} deductible. They took off the term " replacement cost '' and the house is being insured for regular cost of {$130000.00}. The insurance company is in the midst of refunding part of the money that the company has paid for insurance. However ; even with the additional cost of insurance, the fact that interest rate and index is less than it has been, and the amount owed on the house is half of what it originally was, I do n't understand a note of {$1700.00} monthly. I truly do n't understand how they quote XXXX monthly price to the court and quote me a different amount and back date the information..
Consumer complaint received 2016-11-23
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENOVA INTERNATIONAL, INC. (PA)

Had a collection notice from midwest recovery services appear on my credit report for a payday loan front cashnetusa for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.
Consumer complaint received 2015-04-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

I have been consistently been dealing with Ocwen Mortgage Company with the very problems you cited them on in the lawsuit. ( 1 ) Claim that I signed a 5 year agreement to be off of my fixed mortgage rate to 5.6 % or higher so the letter says. I did not sign anything. Why would I want to change from my 4.2 % fixed rate of 13 years. ( 2 ) After much investigation, they were charging me for phone payments I never made. ( 3 ) The phone charge was taken out of my mortgage payments which it does not say on their phone payment service. ( 4 ) This resulted in not fulfilling my mortgage payment plan because they said the full payment was not made. They charged me with additional fees. With the help of XXXX consultant all of my information was verified because they handle my mortgage payments. It was also found that they were trying to get money out of an account that was not mine. They refused to change to correct the information in their system until the bank let them know they too would file charges of fraud. Because of this, they made me send my payments via XXXX. but, it was signed for as recieved but put on my account as late because it took XXXX days to work thru their system with the incorrect information. This company is terrible. How are they still allowed to get away with the things they have been cicted on. Something on a federal level needs to done. I should not have to fight this battle alone. The only person that agreed to help me straighten out this mess was XXXX XXXXXXXXXXXX. She has alot of my his tory and results of this mess, but her company is at it again with another act of fraud. I did not sign a 5 yr. plan. I need your assistance.
Consumer complaint received 2016-12-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kohn Law Firm S.C. (WI)

I had a judgment against me on a {$5000.00} balance from an old XXXX credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, Kohn Law Firm.
Consumer complaint received 2016-12-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

Please help me to stop a foreclosure that is scheduled for XXXX XXXX. It would be unnecessary and unfair to foreclose while I am still waiting for a response to my appeal of Ocwen 's wrongful denial of my modification request. All I want is a chance to make a reasonable payment. 

I applied for a modification and sent in all the information that Ocwen asked for. Then I was wrongly denied based on Ocwen 's error. 

In a " non-approval notice '' letter dated XXXX XXXX, 2016 ( attached ) Ocwen said I was denied for a modification because my income was too low. The notice says that Ocwen verified my gross income as {$XXXX}. That is completely wrong. 

I had given Ocwen all the papers they asked for to document monthly income of {$XXXX} from retirement income as a retired XXXX XXXX XXXX employee, plus monthly income of {$XXXX} from Social Security ( {$XXXX} per month before deduction for medical insurance premiums ), plus monthly rental income of {$XXXX}. Even if they only count part of the rental income, that is still far more than the {$XXXX} they mentioned. 

So I sent Ocwen a letter dated XXXX XXXX, 2016 ( attached ) appealing the denial and explaining that they had made a mistake calculating my income. 

Ocwen confirmed they received my appeal, and in a letter dated XXXX XXXX, 2016 ( attached ) they said they would send me a written response. 

Since then, my niece has called Ocwen to check if anything more is needed. My niece has been authorized to talk to Ocwen for me since I am XXXX and it is also hard for me to communicate in XXXX. Ocwen has told my niece again and again that no more papers are needed for my appeal. They even told her the file was in the " under writing '' department. 

But we never got an answer or any update about the appeal. Instead, Ocwen scheduled a foreclosure sale for XXXX XXXX, 2016 ( letter attached ). 

Please have Ocwen postpone the foreclosure sale so there is time to give a fair consideration of my application and the appeal.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

I took out a mortgage with XXXX Bank XX/XX/XXXX. In XX/XX/XXXX I started calling the bank asking for help. They told me they could n't help because I was not behind on my payments. I kept hearing things on the news that there was help for people who 's homes lost value in the crash. I call my lender back several times and was told the same thing we cant help you unless you stop making your payments. So in XX/XX/XXXX I stopped making the payment on my home and was told I could do a loan modification were I submitted everything they ask for. They told me someone would get back to me. Months went by and I herd nothing back from them so I called to see what was going on. I was told they needed more info which I provided for them yet once again nothing from them and then in XX/XX/XXXX they started a foreclosure and on XX/XX/XXXX I filed a Bankruptcy and let the Trustee know of the Bankruptcy however they sold my home on the steps that Morning for XXXX. They Later returned the money to the buyer XXXX. The bank never contacted me after that for years and then they called wanting to know if I would like to do a loan modification again. I once again started the process with no luck I had not filed my taxes for a couple of years and had no proof of income. The bank has now started the foreclosure again and is set for XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX and now that the bank is finally doing what they should have done years ago I 'm going to have to start the clock over to buy a home. This is going to cause me great damages not to mention I have been told that they have passes the statute of limitation of 6 years. They have tried to cover this up by changing the last Payment date to in the current Foreclosure to XX/XX/XXXX. This is not accurate and once again the big bank is taking advantage of the consumer/ Homeowner. I have called the Trustee and informed them of this they said they would look into it and get back to me. They never get back to me and the sale is still scheduled for XX/XX/XXXX. I do n't know what to do at this point but this is not fair they should have taken care of this years ago and now there cheating the system by changing dates and causing me long term damages. My loan was supposedly sold to Wellsfargo that who started Loan modification but it still shows XXXX bank in Notice of default very confused who is my lender. Please look at this and get back to me ASAP so I know if I have any options. 

Thanks XXXX
Consumer complaint received 2016-10-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Rubin & Rothman, LLC (NY)

I went to court, they said they would schedule another meeting or cancel the debt. If one was even sent I did n't get the notice because I moved. They do not have enough evidence to state that I owe that money. The statements as proof that they provided did not go as back to validate the debt they are claiming.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2015-03-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (UT)

I XXXX XXXX XXXX XXXX XXXX vehicle Last XXXX of vine XXXX. I added somebody to the tittle and they changed the address. It was steele addressed to me but he opened my mail, forged my name and went and got a tittle loan. the y have auctioned off the truck but there has been a pleace report filed in XXXX XXXX XXXX, Utah. Its not A civil matter and im earitated about my mail being breached and athorityes not doing there job
Consumer complaint received 2016-12-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

I have had a business bank account with my partner at TD Bank since XXXX. There have been many issues since then but the latest is most concerning. I entered the bank wishing to do a transaction and was told that I was not listed on the account. I had used the ATM just a couple of days before, used the debit card to make a few purchases and the month before done a transaction in the branch. However on XXXX XXXX XXXX I was not listed. The bank employees could not tell my why I was not listed on the account and my partner stated that he had done nothing to remove me from the account. When I went to a branch to try and resolve the issue they said that they could not fix the problem there and that they had to call on the phone. After over an hour of discussion they told me that my partner had filled out a change of address form and that was the reason I was removed from the account. They stated that the change of address form had the effect of removing me from the account. My partner only wanted to change our business address and was clear about this when he filled out the form. He was not told that this would affect all partners on the account and there was no mention of removing a partner 's access to the account by simply changing the address. Furthermore, from what they told me there is no way for one partner to change the address on an account without removing a partner 's access unless that partner is present and signs the address change. Changing an address should not have this effect and this is a very stupid thing that caused a lot of unnecessary trouble. I think that it is wrong that this happened, but the big issue I have is that they are very weak in resolving the problem. It took almost an hour for them to tell me why it happened and they seem as clueless as I am about what is going on. They are mishandling my account and are not providing the service that I was told I could expect when I opened the account. There seems to be no accountability for this problem and I feel they need to be reported for negligence and inappropriate conduct with accounts. They also misrepresented what the effect of the change of address form would be when my partner signed it. He was under the impression that it would simply update our mailing address. There was no mention of removing me as a partner.
Consumer complaint received 2016-04-11
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: TMX Finance LLC (FL)

I dealt with the general manager regarding a loan of {$800.00} and my car as collateral. My account was past due and I had been unable to make payments. He gave me to choices to resolve the issue : either pay payments on the debt or let them pick up the car. I was only going to let them take the car if it fulfilled my debt obligation to them and the account was closed. XXXX XXXX assured me that was going to happen. What he did not tell me, was that the account had already been charged off and there was no collection agency ... the account was already closed. He deceived me into giving up the car instead of making payments. After all, how could he accept payments on a closed. 2 months ago a girl called me from Instaloans informing me they sold the car and I still had a balance. I said that was impossible due to the multiple conversations that I had with XXXX XXXX. After reviewing the notes on my account, she said " No, you are right, there is no balance and the account is closed. After reviewing my credit report, I found that it is posted as a charge off. I wanted to make payments if the debt was not settled correctly. I did not want any negative marks on my credit. This was a complete deception from this company, who says they are their own collection agency. XXXX XXXX as of today XXXX/XXXX/16 says that he ca n't help me. He said the car was sold for {$170.00}! The car was in the same condition it was in when I got the loan!! How can this happen??? XXXX XXXX 's boss XXXX XXXX seems to think this was fair business practice. I have no doubt they are having other issues within this company. I wanted to pay my debt, not be taken advantage of. Any help in dealing with this company is appreciated before they are able to take advantage of others.
Consumer complaint received 2016-01-19
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Bailey Automotive Finance Inc. (SC)

I purchased a XXXX XXXX XXXX from XXXX XXXX buy here pay here in XXXX XXXX. According to there web -page application process they advertise Helping people rebuilding their credit. Not so, when asked if they report to the Credit Bureau I was advise no. Why advertise this This is deceptive and Abusive practice to customers who want a chance at rebuilding their credit No I have n't been on time, but let me believe is wrong. I want a refund of The payments I have made so I can work with honest people that wo n't lie tour To me. I would have never found this out if I had n't pulled my credit report..
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My CHAPTER XXXX BANKRUPTCY was discharged XXXX/XXXX/XXXX and it was incorrectly reported on my status as a new bankruptcy. Payments were made monthly for 5 years through a trustee. Delinquent accounts were reported for : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts were not delinquent as court ordered payments were made monthly from XXXX XXXX until XXXX XXXX. I do not have a new Bankruptcy. My XXXX and only bankruptcy is closed. I filed XXXX XXXX, XXXX, date case closed XXXX/XXXX/XXXX, date discharged XXXX/XXXX/XXXX. This mistake has cost me dearly on home and auto insurance. I have tried repeatedly to get this corrected.
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (NC)

this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is an address listed in XXXX that was related to a fraudulent account. The, fraud that occurred was straightened out over 10 years ago, but the address associated with that fraud.needs to be removed from my records. I have never lived outside of California
Consumer complaint received 2015-08-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business & Professional Collection Service Inc (NV)

I was in a hit and run accident in 2010. When I went to the hospital they admitted me with a fictitious name. XXXX medical bills were went to collection instead of to my attorney. I had my attorney contact the credit bureau and explain the delay in payment. When I saw them again I called only to be rudely addressed.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (OH)

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I have obtained several emails and had countless phone calls from XXXX, representing a client that owns apartments buildings, in which I lived in for a period of time. During the time of me living there, there was a flood, in which the apartment was found uninhabitable, and my insurance company paid out a tremendous sum to the non named Apartment Complex during the claim in which no one admitted fault. ( The flood happened while I was not home ) After my insurance company paid the claim. I received very specific documentation that I was relinquished of any and all obligation I had toward that Apartment Complex. Specifically, any and all forms of payment I owed to them. This Document I obtained surely speaks for itself. Yet This Company is still after me for more money.
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding / Resurgent XXXX never gave me written notice of collection efforts. They called but I told them this was not my debt and that I never had this account. They then proceeded to report the debt to credit bureaus without allowing me any verification of debt.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

Complaint is linked to XXXX other complaints, uploaded documents will provide better description of actual complaint facts, I have filed complaint with H & HS Office of Civil Rights for violations of HIPPA. EQUIFAX CONTINUES TO PUBLISH ILEAGALLY OBTAINED DOCUMENTS & DISPLAYS THEM IN VIOLATION OF HIPPA GUIDELINES.
Consumer complaint received 2015-09-15
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit Service of Logan, Inc. (UT)

My insurance company made payment to the company and they kept telling me I was lying. They also refused to listen about my insurance making payment even when I was giving them facts and proof. Then they kept hanging up on me. They also are collecting an incorrect amount. They are collecting more then allowed with the insurance agreement adjustment. They would not let me send in proof to them to show this. When i would try and talk to them they would just put the phone down and not talk to me but I could still hear them talking in the background. I could also hear them laughing when I would ask to speak to a supervisor. Multiple times they hung up on me refusing to take proof of what I actually owed as what they had was incorrect. Then they threatened me if i did n't pay they would send it to a lawyer. Since they have sent it to a lawyer and are still trying to collect with now a judgement for more money then i owe. Also during this they had XXXX other item they were trying to collect from a different thing all together, but i was never even able to resolve that or take care of the other item because they would n't even let me take care of the first XXXX. They even said to me that fine if you wo n't pay we will take you to court. They told the lawyers that I would n't work with them and that i hung up multiple times on them refusing to take care of the debt so do not offer a settlement. This is the most unacceptable behavior ever especially because I do n't owe what they are claiming!!!
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX MORTGAGE XXXX This account was NOT A FORECLOSURE! This account was " Settled for less than full balance ''. 
REMOVE ALL FORECLOSURE VERBIAGE OFF MY CREDIT FILE AS THIS WAS NOT A FORECLOSURE OR DELETE THIS ACCOUNT OFF MY CREDIT FILE IMMEDIATELY!! 

Please see supporting documentation attached.
Consumer complaint received 2015-12-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (OH)

This loan has been paid and is only due for XXXX however XXXX and XXXX reports a $ XXXX balance due and it should report a XXXX balance like XXXX . In addition to that XXXX reports the loan " Charged Off '' for XXXX and XXXX. All Credit Bureau reporting across all three credit bureaus are inaccurate. This loan has been taken care of with GAP and a XXXX payoff leaving me with a balance owed of XXXX, which will be taken care of on XXXX/XXXX/2015, all XXXX should report the updates!