davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

After obtaining a HAMP modification, I enrolled my account in EFT payments. When I set this up XX/XX/XXXX, I was told that I had to make my regular payment XX/XX/XXXX. I initiated my regular mortgage payment on XXXX XXXX, and the company went and drafted another mortgage payment on XXXX XXXX, despite them advising that they would not be deducting a payment from my account. It took 10 days and a lot of running around for Ocwen to refund the additional payment. During the refund process, I asked them to cancel the EFT since I had received too many differing stories regarding the refund. They confirmed that my account was unenrolled in their EFT program. 
On XXXX XXXX, XXXX, I initiated my regular mortgage payment which was successfully processed from my account. Ocwen went and drafted another payment from my checking account on XXXX XXXX, 2015. I immediately noticed their error and contacted them on a daily basis to request yet another refund. They told me that the refund was issued on via wire transfer on XXXX XXXX, the funds were not received into my account until today, XXXX XXXX, 2015. The newest problem is that they have over-refunded me and are now calling my loan late and applying a late fee.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Transunion since XXXX 2016 disputing Inquiries that I do n't recall authorizing. I requested Transunion to please provide me the documentation they used to verify that the Inquire was authorized by me so I can confirm its validity. Transunion is in violation of the FLRA for not completing the investigation in 30 days & ordering me to contact the creditor which turns the burden on me ( violation of the FLRA ), Transunion is well known to respond disputed inquiries in this manner ( placing the burden on the consumer ). The actions of Transunion is having a major negative impact on my credit worthiness and credit score causing me XXXX..
Consumer complaint received 2016-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (DE)

I submitted a complaint in XXXX against my mortgage company Ocwen because they failed to update my credit reports. To date there is NOTHING on my XXXX report as if this loan does not exist and my XXXX XXXX report has NOT been updated since XXXX. This is the worst company I have ever had to deal with! I am filing this complaint again because dealing with Ocwen directly is useless.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

There are 10 unauthorized inquiries on my XXXX, Equifax and XXXX credit reports that I have requested to be removed. 

1. XXXX XXXX 2. XXXX XXXX 3, XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5 . XXXX XXXX XXXX 6XXXX XXXX  XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (AZ)

OUR U.S.BANK ACCOUNT ; ON XX/XX/2016 CUSTOMER DEPOSIT CASHIER CHECK FROM THE XXXX AT XXXX IN XXXX, AZ. IN THE AMOUNT OF : {$81000.00} TO OUR ACCOUNT. AND ON XX/XX/2016 WE WROTE XXXX CHECKS SEPERATELY WITH DIFFERENT AMOUNT : CHECK # XXXX AMOUNT {$16.00}, XXXX. AND CHECK # XXXX AMOUNT {$23000.00} THESE CHECKS WERE RETURNED FOR INSUFFIECENT FUNDS. AFTER 10 DAYS DEPOSIT OF OUR CASHIER CHECK AS I MENTION ABOVE. IT DEEMED ESPECIALLY EGREGIOUS. HOW U.S.BANK PLAYING A ROLE IN COLLECTIVE LATE CHARGES FEE UNNECESSARILY TO GOUGE US FINANCIALLY. IT IS A CONSUMER FINANCIAL FRAUDS PERHAPS. IT ADDS UP TO {$72.00} DOLLARD FOR XXXX RETURNED ITEMS. RIDICULOUS AND DESPICABLE GAME IN COLLECTING {$36.00} DOLLARS FOR EACH CHECK AFTER 10 DAYS DEPOSIT. I WONDER HOW LONG A CASHIER CHECK WILL TAKES TO CLEAR JUST FROM XXXX IN XXXX ARIZONA. TO A U.S.BANK RIGHT NEXT DOOR IN XXXX, ARIZONA. SEEMS RIDICULOUS FOR SUCH TRANSACTION TO COLLECT OVERDRAFT FROM RETURNED AFTER 10 DAYS DEPOSIT. I AM ASKING FOR HELP IN THIS FINANCIAL MATTER TO BE SCRUTINIZE FOR CONSUMER FRAUD, OTHERWISE. ACCOUNT # ENDING XXXX. THANK YOU. SINCERELY : XXXX & XXXX XXXX
Consumer complaint received 2016-11-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (IL)

I have a auto loan with Ally bank. One month I missed my payment date. Every day after the due date, they called myself and my XXXX XXXX XXXX father in excess of 20 times a day. From XXXX until XXXX seven days a week. The calls looking for payments did not stop even after the payment posted to the account for five days. Their " customer service '' reps would say they would note our account to stop the calls, yet they continued.
Consumer complaint received 2022-02-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

FRUSTRATION SETTING IN! 
Defaulted on my mortgage due to unexpected loss in income and eventual job loss. Loanowned by XXXX XXXX and unfortunately the servicer was XXXX Bank and nothingwas no modification was achieved due to XXXX 's delays and poor servicing procedures. 
I requested Unemployment Forbearance, but my request was never acted on. All of XXXX and half of XXXX passed and then I was notified that servicing was being transferred toGreen Tree LLC. ( non bank servicer ) Again starting all over with request for creativeloan modification, extension, mortgage principal reduction, lower interest and longer terms. 
Told " Not Eligible for : Hamp ' because my account was originated after XXXX XXXX, XXXX. 
Only eligible for Freddie Mac Standard Trial Period Plan. According to the Trial Planpayments are required to be between 10 % and 55 % of our gross monthly income. Ourpayment was to be 39.93 % of our gross which was calculated to be XXXX. This wasnot manageable and was actually higher than my original mortgage payment before ourdefault. We do have income and response was " Why not 10 % of our gross which wasmanageable. My suggestion fell on deaf ears at Green Tree. This and mortgage principalreduction is what we need to remedy our situation and avoid foreclosure. I have yet tosee a Modification offer which really reduces our payments either temporarily orpermanently. I am worried about " dual tracking ' and having to many single point contactswho really have no power to solve the situation. I hope that XXXX XXXX new program '' MyCityModification '' will include mortgages with a value over {$250000.00}. Our currentprincipal balance is {$280.00} We are in XXXX XXXX. I believe each personsreasons for default differ and each should be dealt with on individual basis to helpavoid foreclosure.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (OH)

First, my mortage was sold to Freedom Mortgage XX/XX/2021 without my knowledge. I want my mortgage moved somewhere else. The Interest rates are extremly high and customer service is a JOKE! It took 3 weeks for a escrow analysis. I was given 3 different dates to have this completed and each time, the representative told me that the documents were not uploaded and that it would be taken care of today. I decided to refinance for a lower interest rate and cash out option. Loan Officer XXXX XXXX and discussed refinancing from XXXX to XXXX with cashout $ 20k for home repairs and load goes from {$690.00} to {$590.00} and changed from FHA to Conventional Loan. XXXX did a soft and hard credit check, completed application and never receive a call back within the 20-30 minutes I was told. 2 days later, I called and was told it was denied but of my credit card being XXXX points under their threshold for the loan... what a crock. He was rude and said application denied and there is nothing we can do about it. I do believe race is a factor in this given I had to give them my information. If I was a different race ( privelaged ), XXXX points would have not been a factor! After speaking to at least 7 reps, I get the run around. I was told the loan was pending. I was told the application for in escalation status and would be given a call from a manger. Well, I have heard that 3 times already and never received a call back. I am tired of hearing that things will be taking care of today! It's never today, it's never tomorrow, it's never the next day... Freedom is a NEVER mortgage company! I would give - 10 stars if allowed. Freedom Mortgage doesn't care about it's customers. They are not a fair company. I am currently looking for another lender. I highly recommend choosing another company that cares about you and your home.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

At this point I do not know who to trust. People call claiming to be-representatives from the creditors saying they want to help.that I owe by way of Fraud and the problem does not go away. 
My account have been charged XXXX, trips, apartments, dinners and I am on a fixed income and have not left the state of Georgia in years. I have worked hard all my life to pay my bills and someone has stolen my identity. Its is saddened me and is a great worry.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that Transunion owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of this.
Consumer complaint received 2015-09-23
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (CA)

Dear CFPB, First of all I want to report that a notice of default has been recorded by XXXX, XXXX at our XXXX XXXX County Recorders XXXX on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected sale date schedule for XXXX XXXX, XXXX have repeatedly sent several letters to dispute the alleged debt and validity of the recorded documents recorded at our XXXX XXXX County Recorders Office to OCWEN, XXXX AND XXXX XXXX. These XXXX ENTITIES HAVE FAILED TO VALIDATE, MUCH LESS VERIFY AND AUTHENTICATE THE ALLEGED DEBT. Moreover, these XXXX ENTITIES continue to violated my consumer protection rights pursuant Fair Debt Collections Practices Act ( FDCPA ) and Truth in Lending ( TILA ). See enclosed Notice of Default served to me by XXXX XXXX. 

These is a list of letters I have served these entities via certified mail and faxes ( Attached ) :1. XX/XX/2014 : Notice of Dispute and Demand for Verification letter certified mail served to Ocwen. 
2. XX/XX/XXXX : XXXX Disputing and challenging validity of recorded instruments and assignments at our XXXX XXXX County Recorders Office. 
3. XX/XX/XXXX : CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT COMPLAINT against Ocwen and XXXX Bank. 
4. XX/XX/XXXX : Notice of Non-negotiable Non Transferable NOTICE OF DIPSUTE applicable to all successors and Assigns, served to OCWEN and AFFIDAVIT REQUEST TO OCWEN LOAN SERVICING , LLC VERIFYING AND VALIDATING ACCOUNT # XXXX, as a matter of law and equity. 

5. XX/XX/XXXX : Demand for Debt and Validation of Proof of Claim served to XXXX. 
6. XX/XX/XXXX : Cease and Desist and Notice of Invalid Instruments : Trustee in foreclosure liable for damages under California Homeowners Bill of Rights. Served to XXXX and Ocwen Loan Servicing , LLC . 

PLEASE NOTE that XXXX County Civil Grand Jury here in CALIFORNIA just released an audit conducted ( enclosed ) by XXXX XXXX " INTEGRITY OF LAND RECORDS IN XXXX COUNTY '' where it uncovered the same allegations that I have been alleging and also concurred with the violations addressed by California Homeowners Bill of Right. 

I 'm demanding that these XXXX ENTITIES, OCWEN, XXXX XXXX and XXXX XXXX to identified themselves, to validate and respond to the above requests along with AFFIDAVIT of AUTHORITY TO CARRY OUT A NON-JUDICICAL FORECLOSURE. All I 'm demanding is just fair treatment according to my consumer protection rights under FDCPA and TILA so I can work out an amicable resolution with the legal and lawful authorized entity. 
I can be reached at ( XXXX ) XXXX. 

respectfully, XXXX XXXX
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CT)

Per request of CFPB on XXXX consumer is resending the Qualified Written Request to be answered by Ocwen. A qualified written request was sent to CFPB and received by them on XXXX and was not assigned a case number for Ocwen to respond to. Ocwen is in receipt of the attached QWR and should respond accordingly to CFPB. Consumer requests that the attached QWR be resent to Ocwen so that consumer may retain their right to dispute any documents submitted to CFPB by Ocwen.
Consumer complaint received 2022-02-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet.I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WASHINGTON FEDERAL BANK (ID)

On XXXX XXXX I overdrew my account by using my card at the pump. For the second time, the branch manager placed a hold on my card citing card abuse ( she stated I constantly use the card to overdraw the account ). My wife and I no longer use checks so our cards are only means of payment ( other than cash ). She stated that she will under no circumstances lift the hold on the card. My wife 's card works just fine on the same account. Not only did she place a hold on my card, but made sure that my pay check will not post until Monday, XXXX XXXX ( deposited via ATM XXXX XXXX ).
Consumer complaint received 2016-03-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Eagle Financial Services, Inc. (OH)

Eagle Loan Company filed a judgement against me because of an old loan XX/XX/XXXX in the amount of XXXX, which was reported against my credit bureaus. Eagle loan company filed another judgement in XXXX XXXX court in the amount of XXXX for the same loan that was taken out XX/XX/XXXX ; they have just filed another judgement for the same loan in XX/XX/XXXX in which i received notice in the mail regarding the judgement for the same loan. I have not received any other attempts to collect this debt. I think that it is unfair that XXXX judgements for the same loan was filed against me in court without any attempt to validate, settle or take care of the debt.
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: iFreedom Direct Corporation (IL)

ALL OF MY DOCUMENTATION IS IN THE FORM OF AN EMAIL. I DO N'T KNOW HOW TO ATTACH THEM BUT COULD FORWARD THEM IF PROVIDED AN EMAIL ADDRESS. 

I was applying for an FHA loan through Veterans First Mortgage with Lon Officer XXXX XXXX MLS # XXXX being my point of contact. I started this process in early XXXX and was approved for my loan of {$64000.00}. The original reason for me buying this property was because my wife and I were separating. On XX/XX/XXXX16 the house that my wife and I were sharing burned down. It was a total loss and her and I and our children are now living in a hotel. I have provided all of the documents that have been requested and then yesterday XX/XX/XXXX16 XXXX XXXX contacted me via email saying that they needed my separation documents for underwriting. I informed them that there were no separation documents because nothing had been filed. I was then further pressed to have a lawyer draw something up. I informed them that this would not be done. They then said that I would either provide them with something or they would not approve the loan. I informed them that my wife and I are staying in the hotel together and once I buy the house that the mortgage is for my wife, kids and I will be living in the house. The underwriter wrote an email to XXXX XXXX ( XXXX XXXX read it to me over the phone ) stating that he found the timing or my wife and my reconciliation odd. I informed XXXX XXXX at that time that the timing of my wife and I getting back together is of no concern and not odd due to the fact that my initial letter of intent for the mortgage stating our separation was nearly 6 weeks old and no agreement was requested until a day ago. I have already paid {$500.00} in earnest money, {$350.00} for an inspection and {$500.00} for an appraisal. Now the underwriters are refusing to approve the loan because they are demanding a document that does not exist and is irrelevant. Furthermore, they are stepping outside of their bounds by questioning my intent for purchase now as compared to then. Just to recap since the loan process has begun I was initially separating from my wife, on XX/XX/XXXX16 the house my wife an I shared burned down and was a total loss, we moved together into a hotel where we have been for over a month, and her and I are planning to live together at the home I am attempting to purchase with this mortgage loan. Now the underwriters are refusing to approve the loan after weeks of waiting and {$1300.00} dollars of my money spent based upon my marital status. It should be noted that XX/XX/XXXX16 was supposed to be the original closing date and that the appraisal was late to push it back but the underwriters asked for nothing of the sort until the original day of closing. 

ALL OF MY DOCUMENTATION IS IN THE FORM OF AN EMAIL. I DO N'T KNOW HOW TO ATTACH THEM BUT COULD FORWARD THEM IF PROVIDED AN EMAIL ADDRESS.
Consumer complaint received 2016-06-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc. (SC)

Merchants Adjustment Service, doing business for XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.