davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that information. 
XXXX
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (WA)

SLS is not processing my modification requests after inappropriate handling by their representative. The representative assigned to my case advised via letter that she is available from XXXX-XXXX. When I call the XXXX # they advise me she in fact works XXXX-XXXX my time so I will never be able to speak to her with my normal working hours from XXXX-XXXX. I have received misinformation over and over from the XXXX # and requested multiple callbacks from supervisors with no response. My most recent issue is a denied modification for missing paperwork when they have had the paperwork on file from the point I emailed it on XXXX/XXXX/16. I was told via the XXXX # that the paperwork was acceptable, but then received letters stating it was not. I called back in and requested the file to be re-opened because everything was there. The rep advised she would re-open the file and to call back in a few days as it would be done. I called back in and was informed it would take 5-7 days to reopen the file. I requested a call from a supervisor as this was day 5 with no return call. I waited and called back today and the representative advised it was closed and the reopen was denied for the missing paperwork that he again found on the file in fact they have 3 separate letters available. I asked him if it would be another 5-7 days to reopen and was advised that it never takes that long, it 's only 24 hours and he did n't know where I was getting 5-7 days as it was never documented in the file that I was told 5-7 days either. I receive constant misinformation, contradicting information and I can never get a hold of the one person that is supposed to manage my file. I am incredibly frustrated at this point and my home is set to be foreclosed. Not one person reflects any sense of urgency in handling my file and they do not care that I have received misinformation over and over again. I have requested another call back from a supervisor and I fully expect this to be ignored again. Please help me.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

Carrington Mortgage reported us late paying our mortgage in XX/XX/2015 and it was never late. By showing us as late has us " negative '' standing on all three of our credit reports! Somehow our taxes from 2015 were escrowed and added to our Mortgage and we were not aware of it and called many times asking why our payment was higher and finally got an answer about a month later but our regular payment for XXXX was paid to them on Time!! They held our payment until they received the correct amount that they say was owed due to the taxes being added without our knowledge!! This is not our fault and our taxes were never to be paid and escrowed, and this has n't ever happened in the 11 years we have had Carrington!! If you look at my credit report it will speak for itself! You will see we have never in life been late paying a mortgage and that has been almost 30 years as a homeowner.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ID Analytics, Inc. (FL)

XXXX relied on credit information provided by a company called SageStream LLC which incorrectly indicated that my credit score is XXXX. All XXXX of the reputable and actual credit reporting agencies ( XXXX, XXXX and XXXX ) all show my credit score from XXXX to XXXX. The incorrect info from SageStream resulted in XXXX requiring a {$500.00} deposit for each account which made it prohibitive to have service for what I needed. SageStream provided my credit report upon my written request but they had absolutely no account information on their response so I had nothing to dispute. They are giving out false and inaccurate info which is causing damages to me and they are not providing supporting information as to how they came up with their credit score. This is very detrimental to the consumer.
Consumer complaint received 2024-08-20
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ClosingMark Financial Services, LLC (CA)

I lost my job of many years in XXXX 2016, my wife and I began living off our savings and making our mortgage payments to South Pacific Financial from a account which was depleting fast. In XXXX 2016, I contacted my lender for mortgage assistance wherein, I completed a application and sent it in along with the documentation requested. In a letter dated XXXX XXXX, 2016 I received a denial for not being in imminent default. My current employer pays me Per Diem although my wife is still working our household income has been affected by this. My entire savings is less than {$4000.00}, currently I am using over 50 % of my income to pay my mortgage I can not go on. On XXXX/XXXX/2016, I sent documents to XXXX XXXX XXXX the supervisor to support our need for mortgage assistance and to appeal their prior denial, On, XXXX/XXXX/2016, a email was sent to XXXX XXXX following up on the status of my appeal, I heard nothing. When I contacted South Pacific Financial on XXXX/XXXX/2016, I was told that my documents never reached anyone within South Pacific and my denial stood. This is outrages! I am fully aware that the XXXX program ends on XXXX/XXXX/2016, I believe that my documents were held on purpose hoping that I miss the deadline. However, I contacted South Pacific executive office, specifically, XXXX XXXX XXXX who stated that he would look into the matter. Below is the message sent to XXXX XXXX on XXXX/XXXX/2016 : XXXX Good Morning XXXX, Thank you for reviewing these borrowers in order to confirm their status as being in imminent default. Please find attached documentation which supports the employment status of both borrowers past and present. The attachment includes their entire savings and checking accounts as it stands currently, I am sure you and or your underwriters will concur that these borrowers are unable to continue to pay the current mortgage and are eligible for mortgage assistance. 
Thank You XXXX There has been absolutely no communication from XXXX XXXX or from South Pacific regarding our appeal for mortgage assistance.
Consumer complaint received 2015-07-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

I am being sued in a foreclosure by the loan servicer Ocwen XXXX. My loan was closed with XXXX XXXX and they are no longer in business, then XXXX assumed the loan and placed in a trust and the trust no longer exist now Ocwen sent me a letter stating they have a lien on my property.
Consumer complaint received 2015-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OH)

I got a loan for a mortgage in XX/XX/XXXX from USBank. In XX/XX/XXXX they transferred the loan to USBank home mortgage. My payment was over XXXX a month and then reduced to XXXX a month. In XX/XX/XXXX I received a notice that my escrow analysis stating that I was over XXXX short and my payment would go to XXXX if I did n't pay the escrow shortage. I could n't understand how it could be so short since taxes and home owners insurance increased very little. I called them several times without any resolution or explanation on how my escrow was short. I have worried about this for XXXX months getting no actual explanation. I asked several times to sit down with a mortgage person and go thru all the paperwork to explain to me where and when the shortage transpired. I was told they do n't have anyone available since mortgage people are only for new loans or applications. What ever happened to service after the sale. I called my branch bank who tried to help me only to tell me to deal with the same people who had no explaination. I was so annoyed on my last call to them I lost my composer out of frustration. They do n't project concern on the pressure and uncertainty that I worried about for months. Today I receive a letter of apology that it was a bank error. As a financial instituion how could no one explain this for XXXX months and let the error continue for XXXX months. I had to be the one to force them to admit the shortage that was due to their negligence and incompetence for XXXX months. The error is very upsetting since they took so long to adjust my payment. Now I will have a higher payment that will put undo burden on my monthly budget. In the letter received today they are offering the escrow shortage can be spread over XXXX months. I find the lack of explaintions I was entitled to is unacceptable. 
I wonder home many USBank customers have been impacted and maybe do n't even know.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (PA)

The company Fraudulent information in their response to the last complaint should be reviewed thoroughly. I never had a balance of more that XXXX. The bank has stolen my deposit by charging annual fees, Fraudulent charges, and subsequent charges that was not agreed upon. The bank charges are correct. 

The bank provided different amounts of charges without any evidence. The charges accessed to the account includes fraudulent fees and retro charges for the fraudulent charges. The company credited the Fraudulent to the account, then charged the purchases back to the account. The company would like the cfpb to believe that a {$300.00} credit card accumulated charges of more than {$700.00}. I believe this is a scam to retain the deposit. 

The bank never address the Fraudulent charges that was charged by their employees. The company delayed action in XXXX 2015 with respect to the Fraudulent charges and subsequent fees to avoid or delay prosecution.
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank credited my account XXXX $ that were bank over-draft charges as a result of fraudulent activity on XXXX/XXXX/15. On XXXX/XXXX/15 I contacted the bank to ensure that the funds had been returned to the account and that the ACH was denied. On XXXX/XXXX/15 I stopped into the branch to obtain a letter to provide documentation to an outside entity that the issue was resolved. TD Bank sent a letter stating that the case was closed and found in my favor. On XXXX/XXXX/15 they reversed the credit, in addition, charged me XXXX over draft fees for their credit reversal since they processed them separately. After 30 minutes with a representative, they stated that they will expedite the un-doing of the reversal, however, I continue to incur fees from their XXXX $ debit for purchases that were already made.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

This complaint is actually directed to the Consumer Financial Protection Bureau ( CFPB ) in regards to Case numbers : XXXX and case number XXXX. Please reference the above mentioned case numbers for details. These cases are in regards to an illegal foreclosure action by Ocwen Loan Servicing LLC . Ocwen was awarded summary judgment based on a robo-signed affidavit. As the lawyer for Ocwen stated, in response to the above referenced cases, Ocwen Loan Servicing LLC has proceeded with a foreclosure action docketed as XXXX in the XXXX XXXX XXXX New Jersey. In that action, the Court granted Summary Judgment in favor of XXXX, as Trustee. The court based its response on the XXXX XXXX affidavit provided by Ocwen Loan Servicing LLC, which appears to be another robo-signed affidavit. 

As referenced in CFPB case numbers XXXX and XXXX, I requested that the lawyer for Ocwen provide evidence that the Plaintiff, the trust named " XXXX as trustee of XXXX., Asset-Backed Pass-Through Certificates, XXXX XXXX '' still exists. The trust in this foreclosure action has not filed any paperwork with the SEC since 2006. The lawyer failed to provide any evidence that the Plaintiff exists. How can a trust that does not exist, sue for foreclosure? 

I mentioned, in the above referenced cases, that the XXXX XXXX affidavit is probably a robo-signed document. I demonstrated that XXXX XXXX is a robo-signer by providing copies of other XXXX XXXX affidavits in previous Ocwen foreclosure actions ( see attachments ). After I submitted these XXXX XXXX affidavits, in the referenced CFPB cases, the alleged " real '' note for the home suddenly made an appearance. This is the first time the note has been provided, throughout this entire foreclosure process. The lawyer submitted the alleged original note for the mortgage with an undated allonge that has a blank endorsement. This allonge can belong to any document or to any other note. 

The CFPB has already demonstrated that Ocwen Loan Servicing LLC has used robo-signed affidavits and doctored documents to illegally win foreclosures in courts ( see attachments ). The lawyer for Ocwen has notified me that he will be filing for final judgment in this foreclosure case. This means that despite the CFPB actions to keep Ocwen from conducting illegal foreclosures with robo-signed affidavits, Ocwen continues to do so. 

I understand that the CFPB " can not comment on possible violations of the law unless they 're made public '' but Ocwen Loan Servicing LLC 's violations against home owners were made public and published on your website ( see attachment ). Now Ocwen Loan Servicing LLC is repeating the same actions, despite the CFPBs actions against Ocwen. 

I am a retiree, surviving on a small pension and social security, so I can not afford counsel. 

How many new complaints against Ocwen Loan Servicing LLC need to be filed in order for the CFPB to stop them from repeating the same violations that they were already prosecuted for?
Consumer complaint received 2016-01-11
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BlueChip Financial (OR)

A process server named XXXX called from a local XXXX phone number from " Legal Services '' leaving a message he had paperwork to serve me with unless I contact the company directly. He would serve me on Monday between XXXX and XXXX XXXX. either at my residence or place of employment. So I called the XXXX number and talked with XXXX XXXX at XXXX XXXX. He said I owed around {$1200.00} for an original loan of {$600.00}. It turns out Spotloan is not a licensed pay day lender in Oregon. I told him he could only charge me for the principal which I thought I had paid already. I demanded something in writing, and he stated he mailed a letter on XX/XX/XXXX with a deadline to pay by XX/XX/XXXX. I never received a letter. In fact I never received any prior calls or communication from this collection company. He said they could charge minimal interest, and he would see me in court.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

It's with XXXX. This has gone on for almost 4 years now. I was getting money taken out of my checking account by XXXX. They were not mine. I went to my bank and all the fraudulent ones had weird names through XXXX on them. So my bank and I and XXXX had a 3 way phone call, my bank would tell them the name and the amount of money and everyone of them XXXX would come back a say fraudulent. But I never received any of the money back and my bank told me that since most of them were over 60 days that could not refund my money. I had a heck of a time with XXXX. They turned it over to XXXXXXXX XXXX, who turned it over to Portfolio Recovery Associates , LLC. This whole thing has been a nightmare for me. I lost my husband so I have been dealing with that and dealing with this. I don't understand how someone could just say that you owe them money and they find someone to get it from you and ( Portfolio Recovery ) doesn't even care to look into it to see if it's true or not. They just come after you and they don't care why. 
XXXX XXXX
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 — Account status incorrect
Company: MARINER FINANCE, LLC (FL)

Mariner Finance is double reporting and I would like them to update the balance to XXXX since they sold the account to another debtor who is also reporting the same debt which is a violation of the Fair Credit Reporting Act. The unpaid balance is {$5800.00}.
Consumer complaint received 2020-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management and I had a working relationship before COVID-19 hit. At this time I was looking to switch banks because my bank was not as secure as they claimed so I tried to contact them to ask if I could put my payments on pause while I rode out COVID-19 to seek employment and transferred my banks. They had no 'pause ' button for payments nor any option to seek a hold until I could get back to paying them once more, so I was forced to stop payments and figured I could simply resume when I was capable ( which California is still rocky on when things will be entirely reopened or back to somewhat normal ). As there was no way to discuss this with anyone online or to put a temporary hold on payments in any fashion, it was the only logical option I had. Keep in mind, I had made many payments to this account over the last year or so. My original balance of {$2300.00} ( {$2400.00} with interest ) has since dropped to {$1600.00} - so that's proof I've been paying off this debt as much as possible. 

Now, I got a letter today on XX/XX/2020 stating if I didn't pay the {$1600.00} due BY XX/XX/2020 then I would be sued by the company. Not only was I not home to make this call when their lines were open, for personal reasons, but there was no way to leave a message to dispute this lack of warning and threat of a lawsuit because their 'voicemail inbox is full '. 

So I was not given a warning that led to this legal action, I was not given a validation notice, an ability to respond in writing nor any notice leading up to this but I was also not capable of calling to dispute. All of which are illegal, if I'm not mistaken. 

To top that off, my past payment history is not available on MCMpay due to me having to cancel payments - I'm sure. Which means I can not provide you with any receipt of my transactions because they are with my old bank and MCMpay has erased them as if I never made them.