davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

I currently have a mortgage with Ocwen Financial, back in XXXX I requested a modification, I received the packet sent filled everything in and sent it back to them, they said they received everything by XXXX XXXX, after being told they had a complete packet, weeks later I received a request for additional information, this happened over and over again, each time I would send in the information I would call to be sure they had everything, and each time a week or 10 days later I would get an additional request via snail mail, I would promptly send in whatever was requested, the final hold up was they wanted my sisters financial info even though none of them are on the loan or have anything to do with the loan, however they do live with me. During this process I was told since I had my original packet in before XX/XX/2017, received complete on XX/XX/2017, that I had 90 days from that date to get in any other requested information, I was also told not to get behind on my payments otherwise I would not be considered for a modification. Yet I recently received a letter from Ocwen saying they will not review my request for a modification since I was not behind on my payments and they did not have everything they had requested before XXXX XXXX. I sent in everything they asked for usually the same night, just to make sure they would have it, I sent it email, fax and overnight mail, because some times they would say things were illegible, even though I would send them to multiple devices and not once had a problem. I started this process after learning about the 2.2 billion dollar settlement Ocwen made with the bureau to correct some of the wrongs they were responsible for in this country 's meltdown. I want to keep my house and keep making payments, but being a carpenter I was greatly affected by downturn starting in 2008 caused in large part by companies like Ocwen. I do n't want anything I 'm not entitled to, but I would like fairness and truthfulness especially from my mortgage company, especially when that company has an obligation to fulfill to the tune of 2.2 Billion dollars, for fraudulent practices. I did not choose Ocwen, I had started with another scheming mortgagor Indy Mac, but now that I 'm with Ocwen I am doing all I can to keep up my end of the bargain paying my mortgage each month and I wish they would do the same, I followed the rules to the best of my abilities to get my paperwork in on time, while they did everything in their power to slow it down, it 's disgraceful when such a large company is allowed to treat their customers this way. I just wanted to be considered for a government backed program to help us thru this tough time, and they wo n't even look at my case, why did they keep requesting items if the deal was off XXXX XXXX. What good is a settlement of 2.2 Billion dollars if no one makes sure they follow thru and help their clients.
Consumer complaint received 2017-01-03
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Goldstein, Cruise and Smith LLC (NJ)

In the above box, I wish I could have checked off multiple issues, since that is my complaint. My sister, on XX/XX/2017 received a voicemail on her personal cell phone, from a man stating that there was a XXXX arrest XXXX out for me. He left a number and case id on her voicemail. The number is XXXX ; case id # XXXX. This same company called my brother in law on XX/XX/XXXX, and told him the same thing, but my brother in law stated he did not know me, as the person calling sounded like a scammer. So, now that my family is terrified, I call the number and get a XXXX XXXX, who asks for my case id # and states that yes, there is an " incident '' attached to my name and social. I ask what it is, and he proceeds to tell me that back in XXXX a loan was taken out at XXXX bank by me and that I am being charged with check fraud. This was an immediate red flag, as I never took out a loan. XXXX XXXX proceeded to tell me that I could resolve this before court by setting up a payment plan, which I refused and told him that I never took out a loan, so this must be a case of identity theft. XXXX XXXX assured me that was not the case, as they check for that, and again offered me the payment plan. This is when I started asking him more questions, because none of it made sense. I asked what company he was from and he told me " The Law offices of XXXX XXXX XXXX ''. I said " Law offices? Then why did n't I receive any court documents in the mail? '' He told me that the XXXX Attorney is ready to have the felony arrest warrant put into action, but I could prevent that by taking care of the money owed. This is when I demanded the truth and he admitted that he was calling from a debt collection agency. I asked him why he called my family members and scared the **** out of them by saying there was a felony arrest warrant out for me and that I was going to go to jail. He denied calling and denied that anyone from his company called them. Fortunately my sister saved the voicemail message she received, so I knew he was lying. At this point I told him that I was ending the conversation, as he had no right to lie to my sister and brother in law about this. So, after reading your website I realized that he violated many of the rules you have in place. He threatened me with jail, lied about who he was ( said he was from a XXXX XXXX ), lied about the reason for calling ( he told me it was for a felony fraud charge ), he never asked to verify my information ( except for my email address ) and he never offered to send me anything in writing about this debt. I did a search online and many others have gotten calls from this number, using the same threatening tactics. Also, the company name seems to be just XXXX XXXX XXXX - not a Law office, but a collection agency in XXXX XXXX, NY ( according to the Better Business Bureau ).
Consumer complaint received 2016-09-30
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: D2 Management LLC (OK)

I am not really sure about the nature of this alleged debt. I received a call today from a lady identifying herself as an agent trying to collect a debt. She knew my name and the last XXXX digits of my SS #. When I confirmed my last XXXX, she went on to tell me that she is calling about a debt that supposedly occurred over 11 years ago for XXXX. I discontinued the conversation and advised me that she may contact by mail. I have no recollection of this debt. My husband called to verify the source and she advised him that a lawsuit would be involved.
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (MS)

I purchased the home in XX/XX/XXXX and my son passed away in the home XX/XX/XXXX. He was only 7 months. I struggled with XXXX until XX/XX/XXXX when I succumbed to it. I went into a XXXX for 1 week then I went on a XXXX leave for 3 weeks after that. When I returned to my job, where I was making close to around {$3500.00} a month, I found that they had replaced me and placed me in a lower paying position where I was only getting paid half of that. I can not, financially or mentally, live in the property. My mortgage is being serviced by Penny Mac Loan Services and XXXX XXXX, my SPOC, told me that there is no opt out option for USDA loans and that I would qualify for a repayment plan? I 'm not sure how, being my income dropped. All I want to do is a deed in lieu. I told him this and he is now asking for documents that I have already sent him XX/XX/XXXX. So, it seems to me that they are very unorganized or just throw away my paperwork. I 'm very upset with the way they are handling this. Not to mention, the lack of sympathy. I do n't mind paying what I am delinquent for, but I will contact USDA myself about doing the deed in lieu, because Penny Mac seems to want to give me the run around instead of trying to help me.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with XXXX XXXX/DEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX/DEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Stephens and Michaels Associates, Inc. (NY)

Some one by the name of XXXX keeps calling me at my place of employment, on my cell and residence and stating he works for Stevens and Michaels Associates XXXX, they are stating they have information on me and will come arrest me at my job or home, when asked what is this matter about, they get aggressive and do not give me any information. Also main number is always connecting to a voicemail to leave a message.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am disputing an alleged debt that LVNV Funding LLC is attempting to collect. The debt is related to an account originally held with XXXX XXXX XXXX XXXXXXXX, with a balance of {$640.00}. However, I do not recognize this debt and have requested validation under the Fair Debt Collection Practices Act ( FDCPA ). On [ Insert Date of Sending the Letter ], I sent a formal debt validation letter to LVNV Funding LLC, requesting proof of the debt, itemization, and legal documentation proving that they own the debt and have the right to collect it. 

Despite my request, LVNV Funding LLC has failed to provide sufficient documentation that demonstrates their legal right to collect this debt, nor have they provided a copy of the original signed agreement or any verification of the balance. They have reported this account to the credit bureaus, and this is negatively impacting my credit score without proper validation.

I am requesting the CFPBs assistance in ensuring that LVNV Funding LLC provides the required documentation and removes any incorrect or unverifiable information from my credit report. Additionally, I have requested that all further communication from LVNV Funding LLC be in writing only, and they cease all phone contact as it has become harassing. 

I appreciate your attention to this matter and request a full investigation into LVNV Funding LLC 's practices and compliance with federal laws.
Consumer complaint received 2016-06-09
Product: Prepaid card — ID prepaid card
Issue: Advertising, marketing or disclosures — 
Company: Empowerment Ventures, LLC (AZ)

I have been calling Rushcard for 4 days in a row in regards to not being able to access my money. I am either told the problem will be fixed in 1 business day, which it is not. Or put on hold when I ask for a supervisor and no one comes to the phone and I end up giving up after XXXX40 minutes on hold. I have bills that are now late and being charge late fee etc. I asked to be transferred to a representative in the United States and they advised they could not do that, which I thought was some sort of law.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

XX/XX/year> My property consultant notified me of having false marks on my credit and to notify the companies as such. 

I contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX contacted back and requested of bunch of information just to get told they can't remove the false information. I told them they should already have a dispute in because I sent directly to XXXX. Which shows XXXX did not do their part. 

I contacted my consultant and let them know about the issue and it was suggested that I contact you for you to get the negative false info removed!
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have an offer for employment that requires a credit check with Experian. The background check must be initiated within 24 hours and to initiate the background check I must remove my credit freeze from Experian. 
I navigated to the Experian website and filled in all of the correct information and the " PIN '' number they had me set up when I initiated the freeze. I know I entered all of the correct information because I saved the information in a word document to ensure that it was 100 % accurate to avoid issues of not having the ability to life the freeze. I attempted today to life the freeze ( XX/XX/2019 ) and their system came back saying I needed to mail something in even after entering all of the correct information. As I do not have time to wait to mail something in, I tried calling. They do not have the option to talk to a live agent. 
All of this to say that Experian has made the credit freeze unjustifiably burdensome to use. When I unfroze my XXXX  credit it took all of 2 minutes as their systems worked properly. Same thing with XXXX. 
Please pressure Experian to create a system that is user friendly and not overly burdensome to the consumer. I know this is not asking a lot as the other two already have. Experian is effectively making credit freezes useless as if I need to be able to access the report in a reasonable time, I am not able to.
Consumer complaint received 2015-03-23
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: National Cash Lenders, LLC (RI)

I revoked my ACH authorization because this company is charging me fees ( {$250.00} ) biweekly which they did not disclose to me, and are misrepresenting their interest rate. They showed me a contract with significantly different terms on it and then claimed that I signed a contract with entirely different terms. They refuse to provide me with a copy of this contract, never gave me a written copy of this contract as promised and refuse to disclose a breakdown of how much they claim I owe or of my payment history etc. 

I want to pay the amount that I borrowed MINUS fees & grossly misrepresented interest charges. I am willing to pursue this legally if the company will not accept this as settlement for this loan. 

I ask that this company NOT CONTACT MY EMPLOYER, REFERENCES, etc BUT THEY HAVE AND WILL NOT STOP.
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (GA)

I recently viewed my XXXX credit report and found a collection account listed for XXXX I did not receive any correspondence written or oral from a collection agency representing XXXX. I contacted XXXX directly and was told by the customer service department they could not retrieve an account based on the information I gave them and I would have to get in touch with the collection agency that I saw listed.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending (MT)

I have genesis loans from XXXX they do n't ever send my mail but then they call XXXX times a day then when I have time to answer they tell me I 'm behind on my loans they want me to pay 400 a month and I asked if my loans are apart of the lawsuit and they hungup on me all the issue brought up in the lawsuit I have dealt with since XXXX 2012 when I started they have repeatedly said I have no options left telling me 400 a month or I will default on my loans
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX  is report false data regarded my check writing and use and they are declining all my check transaction without a valid reason and they are refusing to give and a particular reason for the declines and they are also refusing to be transparent with me regarding the situation.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (PA)

PayPal inc, sending me to collections for a debt that isn't mine for {$450.00}. i was sent a payment of XXXX then the person said it was a fraudulent charge and PayPal gave them the money back and suck me with the debt and it was a legal transaction for the {$500.00} that money was sent to a friend of mine for his music career, for recording fees.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2015-11-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

Since XXXX of this year, I continue to be stalked and harassed severely enough for criminal prosecution by a party possibly living next door, who works for US Bank which has an office literally up the street in XXXX, IL. I had changed apartments to the current residential address a few months prior. In XXXX, some person at US Bank started modifying my US mailing address to change it to the prior one, which the attachment indicates is the case, and started sending out " XXXX '' like " hoots '' which continue to inflict severe disruption and thousands of dollars in damages and twist and turn, but in all cases, falsify claims to third persons, send me harassing US mail, phone, fax email etc, and assault my business and person wholescale like a XXXX now for nearly 90 days nonstop. 
US Bank continues to send out anonymous mail from several states, and in each case, never makes the same false claim XXXX, and continues to taunt and flaunt that it is just so high and mighty " that I can '' XXXX, but the issue is allegedly something like that and that the party at US Bank is royalty who " can ''. 
As per the attachments, the person running this public op at US Bank has continues to seek out methods to block terminating the damage infliction and harassment, currently removing all public services and contact nationally retaliating like this or worse every time I have worked through a mediator like CFPB or XXXX of MN. The person has lied to external parties including the CFPB and the XXXX of MN repeatedly in each instance. 
It has also lied about the continual change of my US mailing address by this person at US bank interfering with US mail as well. 
I am now required to not work with any US bank customers nationally by US Bank in retaliation for what they need public prosecution for and continues to taunt as being instead so publicly corrupt and powerful that they " can '' which is another problem that involves persons who are required by law to regulate and prosecute bank employees like this and who are clearly in their pockets and its still acting like in the pants of somebody involved who has created public abuse on the level of what they used to do to XXXX in XXXX area west of XXXX famous for it.
Consumer complaint received 2015-03-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIBANK, N.A. (SC)

This is a continuation of a previous issue with Citibank that has reached another XXXX. Citibank increased my monthly payments XXXX and I have been unable to reach an agreement with them about my monthly payment. I am requesting that Citibank reconsider my request for graduated repayment, so that I am not forced into Collections. I would like to pursue a payment plan that works with my current financial situation and allows me be responsible for my debt.