davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-03
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Onity Group Inc. (IN)

Constant and repetitive calls throughout the day, sometimes until XXXX, beginning on the first of every month. I am not late. Never been assessed a late fee and pay my bill every month on the day I receive my XXXX payment. I have explained my XXXX situation to OCWEN several times and can not pay on the first day of the month but I do pay every month and am not behind. OCWEN is harassing me.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Re : Estate XXXX XXXX XXXX Nationstar Mortgage Loan Account Number : XXXX. 

I am disputing the above-referenced debt. 
I have produced to you and your organization proof of payments in several occasions and had requested the above records but in return you and your organization had chosen to ignore my claims, emails and calls. I am disputing this debt, because I have made all the mortgage payments and do not owe this debt. As a result, I request that you carefully review this matter and send me the final pay off amount. You should not report it to the credit reporting agencies and if you have already reported it, I demand that you immediately notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. According to my records, which I am enclosing again, the discrepancy on properly crediting my payments began on or around XXXX XXXX when you bought this mortgage from XXXX. 

Reporting information that you know to be inaccurate, or failing to report information collectedly, violates the FDCPA and the Fair Credit Reporting Act. 

Please find enclosed with this letter copies of all payments made to this loan from XXXX XXXX up to the present for you to verify the debt in this account along of a copy of a letter sent to this company in reference to this issue.
Consumer complaint received 2023-10-25
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX XXXX XXXX  I received a letter from Bank of America stating that my claim had been resolved in my favor and the amount of {$17000.00} was in my prepaid edd card account. Since it had already been over 2 yrs since I had filed the claim I no longer had the edd debit card so I went ahead and ordered a new card. Once it arrived I activated it and I went to the Bank of America ATM and withdrawled {$1000.00}. Then I proceeded to go to XXXX. I went to the pharmacy and made a purchase, during this purchase I did enter the pin in wrong 2x. The purchase went through the 3rd time. Then I went shopping at the same store immediatly after my first purchase. Once I got up to the register and swiped the card for my purchase it was declined. I called the number on the back of my card and they said they would have to verify me first. After being transfered the lady said she couldnt verify me by my phone number so she asked for my email which is the same email that they have on file and have been sending monthly statements to for over 2 yrs now. She couldnt verify me with that either. I was told that inorder to get my money that I have been waiting on for 2yrs now that I would have to go into the bank with 2 forms of ID and get verified by a bank mananger. I told them that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and thety told me the only other option was to sign over a power of attorney to someone so they could go in the bank and get my account unlocked. This is not right for BofA to just lock my account when no my transactions were not fraudluent and I had verified everything from deposits made to purchases made. I need my money and I have waited long enough.
Consumer complaint received 2024-10-18
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. (MD)

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$7900.00} XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-18
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. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-25
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

My loan originated in XXXX, as a interest only loan. In XXXX, I applied for a Home Affordable Modification Program to run from XX/XX/XXXX to XX/XX/XXXX but was breached by XX/XX/XXXX. 
In XX/XX/XXXX the interest only term ended resulting in the monthly premium increasing by {$800.00}. I received 2 Citimortgage letters ( see attached ) from CitiMortagage dated XX/XX/XXXX and XX/XX/XXXX regarding the payments changing. As of XX/XX/XXXX, the payment was {$860.00} by XX/XX/XXXX the payment was {$1000.00} and by XX/XX/XXXX, {$1600.00}. In XX/XX/XXXX, I applied for another HAMP modification and submitted all paper work on time and did n't receive a decision until late XX/XX/XXXX but was supposed to receive an answer within 30 days. Appeals were requested but the modification was still denied. Due to interest rate only being 4 % which is the rate from the current modification and household expenses to income ratio. According to CitiMortgage modification terms the interest rate was suppose to cap at 5 % in XXXX and the modification terms was suppose to supersede the interest only term, per CitiMortage 's modification contract ( see attach ). 
Citimortgage intentionally delayed the underwriting process of the HAMP application to avoid honoring any modifications under the program. I believe my application in XXXX and XXXX was unfairly processed. I 'm a victim of predatory lending since the modification was set up for interest only for 120 months. No payment to principal was designed intentionally.These terms was based on Citimortgage in-house modification terms. 
My account is 90 days delinquent, due to the payment increase. 
I would like an investigation to be done on the handling of my account from inception until now.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (FL)

I received communications from : XXXX XXXX XXXX XXXX XXXX XXXX. 
United States ( XXXX ) XXXX And stated that I owed money on online installment loan. I did begin payment on the debt they claimed believing that it was indeed valid. However as time went on with monthly payments they requested payments on an iPhone gift card. I have never ever had to pay any company for any debt with this method. It was very odd and raised an immediate flag. When trying to obtain information on it they went directly into threatening an arrest warrant and court procedure. I want to make sure this is a valid debt and if not report them for fraud.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

We filed a complaint several months ago about our on going foreclosure with CitiMortgage. The issue has not been resolved. CitiMortgage fails to respond to any and all of our requests for a loan modification. They also do not disclose the property sale date to us at all, we always have to find out via the local paper. Also, we have reviewed the original loan documents have found a real problem with the appraisal they did on our home. We refinanced the loan we had with Citi for a lower interest rate, the appraisal was inflated by {$47000.00} in only a span of 9 months. We feel this is predatory as Citi signed off on the appraisal which was done by the same appraiser who appraised our home for the previous loan. We have attached the appraisals for your review.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Purchased a home in XXXX was given a subprime loan ( I was not informed that it was a sub prime loan. ) The builder representative introduced us to the lender broker ( targeted ). In late XXXX the original lender went out of business and as a subsidiary of XXXX XXXX it became part of XXXX XXXX XXXX during the merger. 
In XXXX Bank of a XXXX began foreclosure action. I continued paying monthly payment while trying to dispute the foreclosure activity ( the balances on the paperwork were incorrect and did not match my payments XXXX. In XXXX of XXXX, XXXX XXXX XXXX refused to accept any more payments from us. However, XXXX XXXX XXXX suggested we request a modification. I was in the the modification process from XXXX to XXXX and never given a modification. During this time my husband sought to file bankruptcy in XXXX. While is the bankruptcy attorney 's office, the foreclosing attorney 's office was called on speaker phone in our presence. The clerk stated that there would not be a foreclosure because there was missing paperwork. In XXXX XXXX XXXX XXXX sold the loan to XXXX and I attempted to request a modification and XXXX would not allow me to apply. 
In XXXX XXXX, I contacted TN XXXX office hoping to get some help. I provided basic modification paperwork to the assistant attorney general, and he contacted the bank. I also informed him that my pending foreclosure was not properly documented and my cases resembles the cases presented National Mortgage Settlement, he stated since my home did not foreclose it was not member to the settlement. I did not get a modifcation with XXXX and they moved forward with foreclosure. The prevent the foreclosure I submit a legal action in XXXX XXXX XXXX XXXX ) which was dismissed due to I did not present a claim or relief properly. The merits of my cases were not reviewed. However I did learn of a fraudulent assignment on my note were there are XXXX different dates, robo-signed, and the perjury line is crossed out by the notary. 
Currently, I am in appeal of a XXXX, which the issuers do not have standing due to the fraudulent assignment. I am concerned that the issue of the fraudulent assignment and not mention the missing assignments will not be heard in court. The bank attorneys are doing everything in their power to overlook the bank failures. As a consumer, I have found little to no assistance with my case. In other states such as MA and MI the XXXX leaders have be much more proactive. 
The principle, the broken chain of title is illegal and must be addressed. The banks have been allowed to perform injustices to consumers and as a consumer I have been placed at the mercy of the bank to do the right thing. As a consumer I have not been given any recourse to correct or resolve the injustices performed by the banks with regard to my mortgage.
Consumer complaint received 2016-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (TX)

I have been trying to consolidate my loans since XXXX of 2015. ACS is saying they are making an adjustment so my loans are showing a XXXX balance which stops me from consolidating. Now while they say I am at a XXXX balance, I am still required to make payments ; they can even send me a schedule of those payments. When I call about the situation, I am placed on hold for over an hour with no one picking up the call. They have not time frame for when the adjustment will be made. They simply say we are working on it and it is our policy to not give a timeline. This is stopping me from consolidating.
Consumer complaint received 2016-12-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

{$1200.00} debt transferred from XXXX to commonwealth financial. Debt cut in half and paid from XXXX XXXX XXXX to XXXX XXXX XXXX totalling {$600.00} No communication until XXXX XXXX XXXX when they arranged a 1 time payment of {$38.00} No communication so I figured the debt was paid. Now trying to apply for loans for school and cars, but XXXX says I still owe the full {$1200.00}
Consumer complaint received 2024-10-18
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)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-10-18
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. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Please assist, my husband and I are over XXXX years old and feel that we 've done all we can do fix this issue with no results with Nation Star MY house loan was sold from XXXX XXXX XXXX ( XXXX ) Account # XXXX to Nation Star ( NS ) XXXX in XXXX XXXX. From the beginning there was an issue with an unpaid fee of {$120.00} for missing days on the property without insurance with XXXX we were disputing. When I heard the loan was been sold to Nation Star I decided to pay this amount in full with the last payment made in XXXX to XXXX to avoid any further problems. 

In XXXX we started making payments to NS as specified on the monthly bank statement. Then the first month we started getting calls and letters that we owe additional escrow balance to NS. They claimed the amount of {$120.00} had not been paid and we needed to pay this amount and late fees right away. 

I spent many hours on phone calls in XXXX, XXXX, and XXXX XXXX trying to fix this issues. XXXX months down the road, Nation Star was not finding the money, they kept arguing that the money had been paid. At the end of XXXX I called NS again and a gal by the name of XXXX was able to help out. We spend about XXXX - XXXX hours on the phone in which we call XXXX and they told us that all the funds had transferred to Nation Star. XXXX searched this money and found out that the funds had transferred to Nation Star and that our account needed to be fixed and credited all the extra fees NS had charged to my account. 

This gal try to fix the problem and told me she would credit all the late fees. Two, three months, later the issue was not fix. I would get on the phone and had to explain all the issues again, the reps would argue with me and tell me that the fees had not been paid until I would tell them to read the notes. Then they would say " the system will give you the credit ''. I have called many times for two years and they continue to tell me the same thing. Every time I call I 'm having to explain the whole scenario to the Reps and tell them to read the notes because they argue that the fees are still outstanding and we still owe the money and late fees. 

It is now XXXX XXXX, two years later and the issue with all the late fees has not been solved. The fees have gone up to {$500.00} + and I 'm sure with interest. This is creating a lot of stress in my life. At my age, I do n't need this kind of stress. I do n't want to spend more time on the phone with Nation Star because I do n't think anything will get fixed. I 've called them sent them letters, sent emails on their website and there has been no response. 

I 'm coming to you in hope that you can help me address this issue with Nation Star. I need the fees to be reduced, the interest charged to be restored, and my any wrongful or derogatory information on my credit to be restore. 

I can be reach at XXXXXXXXXXXX or XXXX XXXX Thank you , XXXX XXXX.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Commonwealth Financial Systems, Inc. (FL)

This company was contacted twice in writing. Both times they were asked to validate the debt. Specifically they were asked for a copy of the original promissory note, evidence that they are the holders of this promissory note and the identity of the current owner of the account. As they were unable to provide the requested information I requested they delete this account from my XXXX credit report. To date ( nearly 6 months later ), this agency has failed to validate the alleged debt or delete it from my credit report.