davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (OK)

I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. Hopefully, the ones where a phone bill was paid will provide you with a name and more information. I have never had service with these companies. All of these charges took place more than two hours from where I live in XXXX, XXXX Several of the merchants I do not recognize. 
I did not initially identify these transactions as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain these transactions are fraudulent. I had to provide an agency with the last twelve months of statements. As I was reviewing my statements I noticed a fraudulent charge on another card. This prompted me to examine all of my past records/statements for all my cards. With assistance and hours of close examination of all my statements I discovered charges for cell phone companies that I had never had an account with. 
I was instructed by a representative to mail my explanation and charges to XXXX. I originally mailed this letter to Fraud Claims Department, CitiCard, XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX, 2016. It was returned to me as " Not Deliverable as Addressed '' on XXXX XXXX, 2016. On XXXX XXXX I spent over 2 hours on the telephone trying to dispute the XXXX charges with XXXX XXXX XXXX and the XXXX toll free numbers listed with the XXXX charges. Neither number worked. XXXX XXXX XXXX wanted a phone number, account number or a transaction code. These do n't appear on the statement. So I called CitiCard. They could n't provide any of this information so it makes it impossible for me to file a police report and they did n't offer a correct mailing address for sending my fraud claim and they claimed there was no fax number that I could fax my claim to. I have already been waiting for 3 1/2 weeks for a response.
Consumer complaint received 2015-12-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (FL)

This is a complaint against Branch Banking & Trust, to request removal of my XXXX credit report dated XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquirie that aparace in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request
Consumer complaint received 2016-05-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I have been disputing the alleged debt Nationstar Mortgage , LLC claims their acting in the capacity as servicer for the XXXX since XXXX XXXX, XXXX. I 've reported complaints to the CFPB as well. Nationstar consistently submit fraudulent and false information. All the information Nationstar has sent to me and the CFPB has been contradictory. In an effort to get clarification on this alleged debt, I requested my FHA loan history data to compare it to what has been submitted to me and the CFPB. I 've attached the FHA Case Details sent to me on XXXX XXXX, XXXX. It further complicates the matter. The status of the alleged loan reported to the FHA is incorrect as well. I will be filing an FHA complaint with XXXX, Secretary and XXXX, Inspector General of the HUD Administration.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (KS)

XXXX the loan servicing company wrote me demanding I I break into XXXX separate tracts for the local taxing authorities real estate that I own, part of which is covered by their mortgage, and part which is not. I timely complied and notified them XX/XX/XXXX. XX/XX/XXXX, I received a Annual Escrow DIsclosure Statement dated XX/XX/XXXX which raised my monthly escrow payment, in part because they added in, for making their computations, the taxes on the tract not covered by their mortgage that they had made me break out the year before. I responded and objected in writing the address they provided on XX/XX/XXXX. I waited over a month for them to respond and received no response so called. They advised they had no record of having received my letter and so suggested I fax it which I did. I have followed up several times but have yet to receive any written response or actual sonfirmation although last month they abated the monthly escrow sum due in the normal monthly statement they send me. While not being sent now, Copies of both documents and fax with confirmation receipt are available.
Consumer complaint received 2015-11-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from XXXX Mortgage a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Consumer complaint received 2016-05-26
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (NC)

Ocwen provided a response to this agency regarding a complaint that it was not doing a meaningful investigation into a notice to correct an error. In its response, it did not provide any support that it had in fact responded to the notice. Ocwen is claiming that XXXX XXXX is the current holder, but our issue with Ocwen and our notice to correct the Errors is that XXXX XXXX was not the holder when the servicer initiated the foreclosure on XXXX XXXX, XXXX. We request that in Owen 's response, they provide who the holder was in XXXX XXXX when the alleged pre-foreclosure letter was mailed, furthermore, we request that Ocwen inform us with information as to who the holder was on XXXX XXXX, XXXX when the substitution of trustee was recorded at the request of XXXX XXXX, and lastly who the holder was on XXXX XXXX, XXXX when the notice of hearing and sale was filed in the XXXX County Courthouse? The recorded assignment of mortgage states unequivocally that the transfer to XXXX did not take place until XXXX XXXX, XXXX. American Home Mortgage Servicing, initiated the foreclosure on behalf of XXXX XXXX in error, an error which we asked be corrected before Ocwen sold the house on XXXX XXXX, XXXX causing injury to us. Ocwen has attached void court orders in all its responses. Void based on the actions of Owen 's Predecessors and Ocwen is trying to benefit of such void orders. A copy of the affidavit of default is attached and although Ocwen has claimed that it investigated its files, we would like to provide a document that Ocwen likely overlooked during its investigation. In NC Affidavits can be considered by the Clerk. Certain information must be contained in the affidavit in regards to the facts that must be found by the clerk. THe statute attached here references that servicer shall provide a 45-day pre-foreclosure notice and the foreclosure statute at NCGS 45-21.16 states that the clerk must find that the notice was provided, but the affidavit that is attached at paragraph XXXX is an admittance that the servicer may have provided the notice. This affidavit voids the clerks orders and all the orders that followed it. We again ask that Ocwen stop its actions and correct the errors that it is relying on to complete the sale.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (CA)

I have never applied for a loan at GMAC for any automobile. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
Consumer complaint received 2015-11-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

i have file numreous complaints on ocwen loan co. for 4 yrs. now. 4 yrs. and you people have let this go on for 4 yrs. now and now we are going to lose our home. i have repeatedly told you that they are practicing improper practices ( for 4 yrs. ) one day this co. will send us a letter stating our app. is complete and the very next day they will send us a letter stating they need something els. not once, not twice, 4 yrs worth. and i know XXXX XXXX doesnt work for ocwen she started the cfpb and she needs to know that you guys are collecting paychecks for nothing. every complaint i have made you send me a letter stating what ocwen says, i know what ocwen says, and what they say is wrong. they are ruining peoples lives and you people are letting them. 4 yrs. to put a family through XXXX is about enough, dont you think so? what if they was doing this to your mother, daughter, brother, sister, you can bet your XXXX would be putting a stop to it then, right? when i first called ocwen for help they told us we must be 3 mo behind before they can help us. we reluctantly did and its been hell from there. we filled out an app. for help and the very first offer they made us was a higher housepayment. thats ok, right? then they drug it out for almost a yr. having us refax, resend, rewrite, redo, whatever it was, they did it.thats ok, right? we found save the dream which helped us for 15 mo. and i honestly thought ocwen would be gone by then for their improper practices. nope, they are still here. so we reapplied, and of course, they started it all over again. well, we lost or cant find this, can you rewrite that, refax, redo. and this is ok, right? 4 yrs. worth. i hired XXXX lawyers, XXXX took our money and ran so i hired another XXXX to get our money back from him and he took half that so here we are that much more behind. one day a relationship mgr. will call us and tell us our app. is complete, 2 days later they call and need something else. not once, not twice, 4 yrs. worth. i have every bit of my paperwork and documentation to prove this and i also have all my paperwork from you guys thats basically says ok, oh well. and thats ok, right? this co. is ruining lives!!!! and no one cares. im going to go to XXXX news and try like XXXX to get our story on there. i thought i was alone before but now i have like XXXX other people ocwen is doing the same thing to. and thats just in 2 days. ill find more. bc obviously i cant do this alone. and no one in the govt dept. gives a XXXX. FOUR YRS OF XXXX. I now have an XXXX, which is due to how your body handles stress. mmm? not only am i now complaining about ocwen i am contacting the XXXX and complaining about you .... im sick of this XXXX. you people do not belong there if your not going to do your job.
Consumer complaint received 2015-06-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (NJ)

I was in a chapter XXXX in XX/XX/XXXX and dischaged after XXXX years ; my car was part of this bankruptcy. Since its been discharged, my car was hit by a drnk driver. The insurance company deemed it was a total loss. I have not received my pink slip since this was discharged. The insurance company has been holding on to a {$5000.00} check for my cars damages because I do n't have the pink slip to release to them. I tried getting a replacement pink slip from the DMV, but they say there 's a lein on the car. I was advised to contact XXXX ( dept of banking and insurance thru NJ ) to find out the information from the original creditor ( AmeriCredit ). According to XXXX, the company is still active, but no contact information available, meaning no phone number, but bonded until XX/XX/XXXX. I 'm not sure what the gentleman meant by that, but I need serious help, please. He also specify to file some kind ofclaim n court to get the company to remkve the lein, but I 'm clueless as to what 's going on. How does a company loose a title to a car?
Consumer complaint received 2016-08-31
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

I am currently paying mostly interest on an XXXX loan. I am being crushed. I am also told by Navient that I am not eligible for any kind of feasible repayment plan. I am unable to even make a dent with the affordable payment that I am currently enrolled for, as all I am paying is interest. No one on the phone seems to be able to help, or listen. They just keep repeating the same canned information and offering me a payment that is way too high for what I can afford. It also seems convenient that my largest loan amounts have the highest interest rate. 

Because of my husband 's income, I am not eligible for any forgiveness, but he spends his paycheck making up for the deficit that is caused by these enormous payments, that do n't make any difference, other than filling Navient 's pockets. And I work mainly in non-profit and XXXX in Michigan, where I struggle to find full-time work, as there are significant economic problems within the state itself, so most of my meager nonprofit or XXXX paycheck goes toward paying the interest on these loans. 

I was severely unemployed for several years, due to the country 's economic downturn, and relocation, and I am currently paying interest for the country 's mistakes. Meanwhile my debt goes nowhere. I am sure that pleases Navient, and understand that I am most likely wasting my time contacting them, or fighting this issue, but wanted to make an effort before moving beyond to either filing for bankruptcy, or other measures to resolve this issue. 

I understand that I took out these loans, and I understand that I need to pay them back, which is why I signed the agreement. I did not agree to be unemployed, and underemployed for several years. That was not my choice. And because I was not technically on unemployment, because I chose to not be a drain on the government resources, and work part-time, minimum wage jobs to survive, I am being punished. I could not have anything waived, because I was working part-time, but the interest kept accruing. I have been gainfully employed for a few years now, luckily, but I am being literally crushed by the interest on these loans. I lie awake at night worrying about this, forcing myself to resign to the fact that I will be paying Navient 's interest for the rest of my life ( and I am XXXX now ). I know many people that have already thrown up their hands and just stopped paying, but I choose to be responsible, and know that I signed on to borrow the money, which is why I am still paying.
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

I have paid in full and they will not take the time to release of record. This paid debt is being held against me because it is an active judgement with a XXXX balance. I am trying to purchase a home and all my other paid liens were released of record within 30 days per compliance. This company say they do n't have to do anything now that they have their money. This has a negative impact against me and is effecting my opportunity to purchase a home for my family. I have completing my due diligence in payment, now I am demanding that they complete their due diligence in release of record.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (LA)

6 Months ago our home was detroyed by a flood. We can not receive assistance from FEMA because US Bank refuses to provide the documentation they require. They even deny putting the denial in writing. We can not even speak to someone to find out why multiple requests have been denied. I was promised a call today from a supervisor, but they are not available and have not called, in fact, I have never received a call back from US Bank despite assurances on dozens of occasions they would do so. We found out after the flood they had canceled our flood insurance, and were given 3 different explanations as to why. 1. FEMA redrew the flood zones 2. They were just doing an annual renewal. 3. They were evaluating whether or not the shop was going to be included in the policy. I believe all 3 excuses were lies, they did reinstate the policy but that took time to go through underwriting. I 'm pretty sure what they are doing is illegal. They did not send us a notice of the cancellation as required by law. US Bank insist the {$30000.00} in insurance money they have been holding since XX/XX/XXXX can only be used to repair the home. The home must be demolished, so putting {$30000.00} into it would be foolish. We have requested, as outlined in our mortgage agreement that we would prefer to have the insurance money applied to the balance of the mortgage. They have denied this request multiple times and never have provided an explanation as to why. We are living in a FEMA trailer in our front yard and are in danger of losing it because one of the requirements is that we show progress on rebuilding our home. We have not paid our mortgage since XX/XX/XXXX on the advice of our attorney. In XX/XX/XXXX US Bank said they could only apply the insurance money to our mortgage if our account was brought current, so we brought the account current and they still refused to apply the payments. I am at my wits end, it has been 6 months and US Bank is playing games and refusing to answer our questions. Please help!!
Consumer complaint received 2015-04-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MI)

My brother and I rolled his change so it could be deposited into his savings account. We went to the XXXX, MI branch to deposit the money. As soon as the tellers saw the rolled coins the XXXX of them began arguing about which one had to wait on us because they did n't want nor need the change. It was not only frustrating, but also highly embarassing. My family was so embarrassed we are ready to empty XXXX accounts from PNC bank and taking the money elsewhere!
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (NJ)

Client died XX/XX/2015. Credit Card from Elan Financial Services is informed of his death by widow. Elan continues to send bills and adds additional charges. Widow pays bill and Elan Financial continues to add new charges. Again contacted by widow and Elan Representative confirms the cardholder is deceased in their system. Assures her all will be handled. It was not. I contacted Elan Financial XX/XX/XXXX, was assured of the same and it again has not been resolved.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: U.S. BANCORP (NC)

us bank dont get it. im doing a debt settlement with an XXXX XXXX rated company and they are XXXX acredited. they say they have no contact with this company so im going to give it to them. ill get to that in the last step.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX