davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AE)

My payments to OCWEN are supposed to include tax payments to XXXX and insurance payments. A few months back I received notice from the insurance company that my policy had been cancelled due to lack of payment even though all my payments to OCWEN have been on time. Then I found out that OCWEN purchased another policy for me that was more than double the cost of the policy they let expire. I have since found another insurance policy for a much more reasonable price and I have paid in full for the entire year. Now the issue is after phone calls and letters, OCWEN will not readjust my escrow payment so I am still paying a higher price they originally calculated. I never chose OCWEN, this company was forced on me When Indy Mac sold my original loan.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (TX)

In XX/XX/2020 our team spoke to American Express personnel members on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX and XXXX to request and confirm Covid 19 economic injury assistance and account forbearance. Our Company ( s ) are 95 % reliant on the hospitality industry sector for our customer bases and we explained this to American Express on multiple dates. They first proclaimed that we were not eligible for assistance in XXXX. Then during later calls in XXXX we were lucky enough to speak with one of their employees that did confirm our prior calls, requests and he confirmed that we were a part of the Covid 19 economic injury protection plan at American Express. We have had this American Express Account for over 24 years and this is the first request for assistance that we have made. The later calls to American Express on XX/XX/2020 came with revelations that American Express employees claimed we were not a part of their protection plan for Covid 19. They claimed we had spoken to the " wrong department '' and that they had only " one month '' of assistance. At no time during our conversations did any American Express Employee explain a duration of help, nor would they readily admit that they even had a program for assistance, unless we asked to be transferred around their personnel members in some cases for two ( 2 ) hours on the calls. We do need help and we CAN NOT pay the American Express account now, or for the foreseeable future during the summer months.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

After realizing that my rescission rights were still effective due to the fact that my loan has not yet been consummated under the laws of California, I sent Ocwen Loan Servicing , LLC a letter rescinding my loan on XXXX XXXX, 2015. The letter was mailed to Ocwen Loan Servicing , LLC on XXXX XXXX, 2015 and received by them on XXXX XXXX, 2015. I have attached a copy of the letter as well as the follow up Notice of Non-Compliance. I was fully prepared for Ocwen Loan Servicing LLC to file a lawsuit against me to challenge the notice of rescission, but they did not within the XXXX day statutory period provided under the Federal Truth In Lending Act. Under the Act, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded or perfected ''. Under the Act, Ocwen Loan Servicing , LLC had XXXX days from XXXX XXXX, 2015 to challenge my Notice of Rescission by filing a lawsuit against me. They have failed to take any action regarding my Notice of Rescission in any way. Because of their failure to challenge the rescission, they have forever waived any and all defenses to my rescission. Under the Act, Ocwen is now in violation of the law, and they are blatantly disregarding my loan rescission rights. As previously mentioned and attached, I have sent them a letter of non-compliance and have requested they cancel the sale date that is scheduled on my home Wednesday, XXXX XXXX, 2015 and that they forward me a release and or a reconveyance as required under the statute. I am filing this complaint to inform the CFPB that Ocwen Loan Servicing , LLC continues to ignore the law and that they are in violation of a Federal Act. Their actions are in direct violation of federal and state laws. I request the Consumer Financial Protection Bureau take some kind of disciplinary action against Ocwen for their blatant disregard for the law and for attempting to pursue a foreclosure on a deed of trust that has been canceled by operation of law. I am hoping with your interaction, Ocwen will choose to abide by the Act and take the necessary steps that is required of them by law.
Consumer complaint received 2015-09-06
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

On saturday XXXX/XXXX/15 I recieved a phone call from ( XXXX ) XXXX claiming they were with XXXX and that I had been approved for a loan. They told me I needed to send XXXX $ cash through Moneygram and they would deposit my loan into my account. I was told the loan was for XXXX dollars and i would pay XXXX a month back.. I went to cvs in XXXX ohio and sent the money to a person named XXXX. After i sent the money i was told i was being placed on the line with XXXX of their account specialists. I recieved a call from another Texas number and they said i needed to send XXXX more dollars for the wire transfer insurance. I was and am still under financial pressure and these people scammed me out of my last penny. i called moneygram and they basically told me that the money had been picked up and there was nothimg they could do. Please help my father and I. Things are hard enough without this.
Consumer complaint received 2016-12-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

On XX/XX/XXXX I sent XXXX to a person in XXXX XXXX via " MoneyGram '', on XX/XX/XXXX the person attempted to withdraw the money at XXXX different location and He was told that the full amount was not available for withdraw, the XXXX places in question are " XXXX XXXX '' and " XXXX XXXX XXXX ''. I call " MoneyGram '' and they say the full amount was ready for withdraw and gave me the name of another institutions where the money could be withdraw, this creates an issue for both the sender and the receiver because more time is wasted on phone calling and to figure out a way to withdraw the funds. 
Situations like the one mention can discourage persons like myself to continue using " MoneyGram '' Thanks
Consumer complaint received 2023-09-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (OR)

I keep getting calls for settled debt from one Check and Go loan that I took out in California.

Every 6 months I get random and different debt companies going after this same debt.

I have ready settled this debt in 2019 and have a PIF letter. I keep getting calls from companies threatening to sue or report to credit bureau. The debt is also past statue of limitations. 

Lasted calls are coming from XXXX
Consumer complaint received 2016-09-30
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On Thursday XXXX/XXXX/16 I attempted to sent {$200.00} to my Fiancee in XXXX on line by MoneyGram. I received an email saying that I should call MoneyGram to complete my transfer. I call an spoke with a lady who asked me many personal questions about myself including questions about my fiancee. I was told the reason why I had to call was because it was my first time sending money on line. I told her that was wrong it is my second time because I went through the same thing the first time. After answering all of the questions asked I received an email at XXXX XXXX saying : Your transfer has been sent. Give your receiver the reference # : XXXX and she will need the reference # and their Photo ID to pick up money. At XXXX XXXX I received and email from MoneyGram saying : Your transaction has been canceled and will no longer be processed and if I have questions to call them. I called them and the response was Money was not comfortable sending the money to your fiancee. What does that mean?. For the record I send the money from my bank account using my debit card. Why do I have to wait for XXXX to 10 days when the money was immediately debited from my bank account? What happens to my personal information that the employee of MoneyGram who was in another country asked me? What is the real reason for the cancellation?
Consumer complaint received 2016-03-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I financed a vehicle through Toyota Financial. I was always on on time with my payments. I lost my job and had to file Bankruptcy. Toyota did n't take my payment. Before the Bankruptcy I tried to get a deferment but they said no. 
I got another job and decided to drop the Bankruptcy and pay my creditors. I have been making my payments every month with Toyota and paying on the past due month that I owed. Toyota is reporting me 30 days late every month when I am not 30 days late. I have bank Statements showing my payments every month
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Bread Financial Holdings, Inc. (GA)

CCB/PPC XX/XX/2016XXXX. 

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WV)

I have sent proof of credit inquiries that are not mine to the credit bureaus multiple times, I have called them multiple times and spent hours speaking with them. I have sent ftc reports as well. I just spoke with the ftc and filed a new report with all inquiries that are fraud on my credit report and will be submitting it here to try to resolve this for the third time. I want this takin care of asap.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to follow up on our recent communication regarding unauthorized accounts on my consumer report that are linked to identity theft. I formally demand the immediate blocking and removal of these accounts, as I never provided written authorization or a wet signature for their inclusion. 

These fraudulent entries have caused me significant distress, both emotionally and financially, by misrepresenting my credit history and obligations. They have impeded my ability to achieve crucial financial goals, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2020-06-09
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: EQUIFAX, INC. (FL)

The CFPB response of XX/XX/20 on complaint # XXXX submitted XX/XX/20 indicates that Equifax does not recognize me as their customer or their customer 's authorized representative. This statement is false. The Company ( Equifax ) sent my credit report ( Confirmation Number # XXXX ) on XX/XX/20. The company 's class action settlement amount for failure to prevent a breach of my personal information has yet to be provided. With the evidence submitted in my XX/XX/20 complaint regarding the settlement amount and CFPB 's inaction in following through verifying that evidence, it would appear that any complaint through CFPB is of little value. If CFPB is charged with protecting the consumer 's financial information, the actions in this case contradicts their mission by only acting as a clearing house to any type of consumer complaint.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$190.00} XXXX XXXX {$340.00} XXXX XXXX {$120.00} XXXX   XXXX {$860.00} COLLECTIONS XXXX {$30.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$240.00}
Consumer complaint received 2016-09-21
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lustig, Glaser & Wilson, P.C. (MA)

A judgement was issued against me in the amount of {$9400.00}. 
I made contact with the debt collection company and came to a payment agreement of {$200.00} per month. To date I have paid {$1200.00} and have records of all checks. They indicate that my balance is now {$8900.00}. This implies that they have put {$480.00} toward the debt. I have documentation including bank records and receipts from the collector from all payments. The initial agreement nor the court documents make any mention of interest or anything similar, especially at a percentage rate that seems to work out to over 50 %.
Consumer complaint received 2015-11-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Javitch, Block & Rathbone LLC (IN)

I WAS ALL READY SUED IN XXXX COUNTY COURT XXXXINXX/XX/XXXX CAUSE NUMBER XXXXBY XXXX XXXX XXXX XXXX , XXXX XXXX PLUS INTEREST OF XXXX WE MY SSA XXXX PAYEE MADE A PAYMENT OF XXXXCHECK NUMBER XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTHERE FILE NUMBER WITHOUT A CAUSE NUMBER XXXXCASE NUMBER XXXXXX/XX/2015BALANCE DUE XXXXPRINCIPAL XXXX INTEREST XXXX COURT COSTS XXXX I CAN NOT BE SUED FOR THE SAME CREDIT CARD AND OR FOR AND OTHER REASONLESS = DOUBLE JEOPARDY
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am contacting you regarding unauthorized personal information associated with my identity. Several accounts and transactions have been erroneously linked to me without my consent or knowledge, causing considerable XXXX  and hardship. I have fallen victim to identity theft and have already reported this incident to the appropriate authorities. 

This situation has severely compromised my financial stability and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a comprehensive investigation into this matter. I am prepared to furnish any necessary evidence to support my case.
Consumer complaint received 2016-02-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NH)

I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX XX/XX/XXXX and finally received copies of statements from MCM after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested MCM to provide details on how the alleged amount of {$1100.00} was calculated, MCM has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX U.S. Dist. XXXX XXXX ( XX/XX/XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the MCM is not authorized to collect interest unless it is authorized, I request MCM to provide a contract from original creditor stating that MCM is authorized to collect interest on this account.As per evidence presented above MCM has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file
Consumer complaint received 2015-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I have XXXX issues with Ocwen Loan Servicing , LLC that I am in need of assistance. 

Ocwen purchased my mortgage from XXXX XXXX XX/XX/XXXX. On my XX/XX/XXXX tax statement from XXXX XXXX they have clearly waved any fees that I had acquired during the 18 years they had my loan. However, Ocwen is claiming that I owe them for these fees, amount of {$860.00}. They also have charged me an additional {$1000.00} in fees in less than a year. As of the XX/XX/XXXX statement Ocwen is charging me a total of {$1800.00} in fees. 

I have sent three letters to Ocwen questioning these fees, with no response. I have phoned their customer service department 4 to 5 times and received no assistance, or they suggest I send a letter to the same address that all my letters have been sent. 

Ocwen has been sued by nearly every state they do business, including Illinois for their unethical business practices, including exurbanite or unlawful fees. I have been late on some payments and expect some late fees, but over a thousand in a matter of months, seem very wrong. 

My second issue with Ocwen is XX/XX/XXXX I had some financial difficulty and had fallen behind on my payments. XX/XX/XXXX I applied to Ocwen for a loan modification. This modification was denied. No reason was given. 

I called the customer service department and was told to email a request for explanation as to why my modification was denied. Two emails were sent and as with all other communications with Ocwen, this request went unanswered. 

I have since gotten back up to date on my loan payments and have not been late for any payments XX/XX/XXXX. In XX/XX/XXXX a received a letter from Ocwen dated XX/XX/XXXX stating that I could appeal my modification denial, but have 30 days in which to do so. How could I appeal in 30 days when the letter was sent to me 45 days after the date on the letter?
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

Hi, I am an American Express credit card customer. In XXXX and XXXX 2016, I opened XXXX accounts with welcome offers of XXXX and XXXX membership rewards, and the minimum spends are {$1000.00} and {$2000.00}, respectively. After I spent the required amount to meet the requirement, American Express granted me the points of XXXX ( XXXX ), but soon they deducted the points from my account. Therefore, I contacted American Express to find out why. Every time the representative told me a different reason, but all these reason are not correct. For example, one representative told me some transactions were returned but he could n't locate which transaction was returned, because there was no such returning transaction posted to my account. Meanwhile, after contacting them, I did make another {$1000.00} and {$2000.00} spends to meet the required amount again, and then contacted American Express again in XXXX. This representative promised me that I should see the total of XXXX reward points posted to my account within 6-8 week. However, I have n't seen the points for more than 10 weeks. I think American Express is cheating on me and refuses to give me the points. Their representatives are poor-trained and always lying to customers. I think Consumer Financial Protection Bureau may be able to assist me to get a response from American Express and solve this problem. 

Thanks
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (CA)

I was trying ti make a purchase and was made aware that my identity was stolen. I reached out to all the companies and they removed all the fraud information. This is the only company that said it wad not fraud I sent over all the information that was requested plus more. I sent them over a investigation validation letter and still have not heard anything back. I hope no one ever has fraud with XXXX they will not help you with the matter they want you to pay for something that does not belong to you.
Consumer complaint received 2015-10-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (AL)

I applied to refinance my mortgage with XXXX to get a lower fixed rate. XXXX repeatedly tried to get a recent payment history from Household Finance Corp of Alabama ( HSBC ). This is required by XXXX in order to get a loan approval and HSBC does not report to the credit bureau. This process has been going on since XXXX 2015 with no resolution. HSBC refuses to fax the information and says mailing it will take up to 30 days. It has been well over 60 days without receiving the requested information. XXXX and I have called the company over a dozen times. I believe that HSBC is trying to prevent me from refinancing so that I will be bound to continue paying their predatory rates and fees. 
Also, it took a month to get pay off information. That information will be expiring soon and I do not want to wait another 30 days to get that as well.