davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2024-10-30
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: SYNCHRONY FINANCIAL (SC)

On XX/XX/year> PayPal Requested a copy of my Credit Report to open an account & was done w/o my permission & consent. I asked them to remove the Hard Inquiry because it was Fraudulently obtained with a Fraud Alert on my Report stating not to release my Credit Report w/o my consent or permission, but they did it anyway & w/o my consent & permission & cant get them to remove the Hard Inquiry because the Company want report it as fraudulent even tho they already stated a prior request was fraudulently obtained. All I want is the Hard Inquiry removed that I never requested to be done & was obtained w/o my permission or consent & this has been going on over 9 months & had no problem w/the companies removing any other inquiries because they determined it was obtained Fraudulently & Without my knowledge. Please help me get this Hard Inquiry removed because its messing up my credit & my score preventing me from obtaining a home loan & credit line increases on credit cards I actually obtained a few years ago! Please help me get this Hard Inquiry removed, so I can get my credit straight! Thank You So Much for any & all of your help! I only want my Hard Inquiry removed!
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A. (PA)

I suspect that Citibank from which I have a credit card, shares my credit card transaction data with 3rd party vendors. After shopping with my Citi MasterCard, I see on my XXXX feed advertisements on products and services that are similar to what I just purchased using my credit card. For example, when I bought an indoor TV antenna from XXXX, I saw an ad on XXXX within an hour for a similar TV antenna. Another example is when I bought dishwashing detergent, an ad for dishwashing detergent of another brand popped up on my XXXX feed. In all these and other cases, I used my Citi credit card for the purchases I made. This is very disconcerting because Citi is likely sharing with XXXX or more companies data on my transactions down to the individual item level of my purchases. This is a gross violation of my privacy and I would like to file a complaint against Citibank credit cards.
Consumer complaint received 2015-12-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (MD)

I have paid my Macy 's account balance XXXX separate times, and yet I still see another {$2.00} bill added to my account. I know I have paid the balance off so I do n't check since I have not charged anything at Macy 's. How do they get away with the practice of adding a {$2.00} fee to my inactive account?
Consumer complaint received 2020-06-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

I refinance my home on XX/XX/20, this was the closing date. I identified a problem the week before with the tax information they were using to calculate my Closing Disclosure. They had the wrong property they were getting the tax information on. I even sent them the correct tax ticket. The loan closed, I was charged {$250.00} to pay a tax bill of {$34.00}. I have been trying to get Lakeview Loan Servicing to fix this. The closing agent they used has paid the tax bill and they are waiting for Lakeview to tell them what to do with the money. I'm a XXXX veteran, so I am exempt from paying taxed on residence and 1 acre of land. My tax bill for this property is for the additional 14 acres I own with it. This should of been fixed before closing, but that bridge has been crossed. I do not understand why it takes them over two weeks to correct this issue. I have sent them several request and I have called several times. They never formally responded to my first written request on line and they refused to put in touch with the escrow department. Lakeview Loan Servicing, PO box XXXX, Virginia XXXX VAXXXX. These folks are spread out, so this may not be the actual office that would handle this. Their number is XXXX
Consumer complaint received 2016-02-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

I purchased a XXXX Ford Expedition from XXXX several years ago and the vehicle was transferred over to Santander who served as the creditor. In XXXX the vehicle was paid off in XXXX ; with late fees being owed on the account. When the vehicle was paid off, Santander agreed to reduce some of the late fees and to establish a separate loan to pay off the late charges. As my wife and I was paying off the late charges, we noticed that the late charges were never reduced, so when we contacted Santander 's Office of the President to address our concerns, the representative reviewed the account and confirmed that the late fees were not reduced and that payment will need to be made in full. There was know attempt to remedy the situation or ot reach an agreement. A few months later, I checked my credit report and noticed that a charge off ( XXXX/XXXX/XXXX ) was placed on my credit report. Santander has not provided me with a title to this vehicle. The charge off has negatively impacted my credit standings. XXXX has failed to conduct an adequate investigation on my auto loan account ( in accordance with FCRA requirements and CFPB Bulletin XXXX ) and has been unfair, deceptive/abusive in their treatment towards providing me service ; which violates UDAAP under the Dodge Frank Act.
Consumer complaint received 2016-04-04
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA refuses to allow me to voluntarily surrender my car back to them and insist on repossessing the vehicle and charging me to do so. I can not afford the exorbitant charges and interest rate. They insist that I should pay XXXX to get another 30 days to pay when I can not afford to do so and I just want to return the car.
Consumer complaint received 2015-09-19
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I got this letter in the mail that i was a Mystery Shopper there was a money order for {$980.00} I depoist this money order in my checkng account, I started doimg what the letter said for me to do. I shop for the thing i was suppose to get, then I gat a money gram for the rest of the money, It was {$770.00} plus {$11.00} for tranfer. Then today I got a latter from my bank that they returned the money that I deposit,, now I am out {$1700.00}. can I get my money back.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (NC)

Complaint number XXXX was filed with your office regarding a new loan that Ocwen disbursed on my account that was requested by me, I never signed the loan documents and apparently did not get the credit for the loan disbursement dated XXXX/XXXX/XXXX in the amount of XXXX. When Ocwen responded to complaint number XXXX they did not address the loan disbursement or the new loan number XXXX. We have asked Ocwen 's foreclosure attorney to validate the debt that it is attempting to collect on Ocwen 's behalf and they have failed to do so to date. The only response that was received was a copy of the XXXX Mortgage Promissory note a copy of the deed of trust and the order permitting the XXXX XXXX, XXXX foreclosure. We asked for amounts claiming owed to the foreclosure attorney and we did not receive a response. The foreclosure attorney, through a XXXX XXXX XXXX notified me that the sale scheduled for XXXX XXXX, XXXX will be held. To date XXXX and XXXX 's website shows that the sale will be be held tomorrow XXXX. We have no information regarding the validity of the loan disbursement and requests for payments related to loan number XXXX. A representative in Ocwen 's office informed us today that the Ocwen as the servicer is the same as the creditor and that the loan disbursement was paid by the previous servicer when the loan was transferred.
Consumer complaint received 2016-06-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CT)

I was trying to refinance my car and decided to check my credit report. I then realized that Ocwen Loan Servicing had stopped reporting my mortgage payments. The account was either deleted or showing charge-off or closed. I reported the issue to the customer service department and was told they they had been reporting correctly. I then tried to dispute with the credit bureaus and they informed me that Ocwen has stopped reporting and that I can not dispute. I called Ocwen again and they said they had opened an investigation. I never heard from them. I called back and complained again they said that they were not sure why my credit reporting was being " surpressed '' and that they would investigate. I got a letter back a week or so later stating that again the information was accurately reported. I later called in to the office of the ombudsman and complained. after a month or so I again got a letter that the information was correct and that if I had any documents to prove otherwise to send it to them. I called again and emailed the copies of my credit report. I received a call confirming the dates etc on the report. And later received a letter that they would finally make the corrections to my report. I am still waiting to see the corrections. However I watched my credit score drop dramatically across the board. This of course has impacted my livelihood. I was not able to get the refinance rate I deserved I am trying to get better auto insurance and am afraid to try based on my " false '' credit score. This whole process has been goin on since around XX/XX/2016. Thanks for your attention and time to this.
Consumer complaint received 2023-07-28
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. (OR)

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. You do not have any permissible purpose to furnish my personal information to any third party. 15 USC $ 1681b Permissible purpose of consumer reports 1. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : ALL XXXX  XXXX ACCOUNTS / 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ANY AND ALL ADDRESSES EXCEPT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OR XXXX ALL EMPLOYMENT EXCEPT XXXX  ALL PHONE NUMBERS EXCEPT XXXX XXXX ANY AND ALL NAMES EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ANY AND ALL CRIMINAL REECORDS Remove these Accounts from my Credit Report ALSO NEED TO SITE 15 U.S.C 1666B 15 U.S.C 1681 15 U.S.C 1692G
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) Robo-signing is illegal and has been outlawed in the State of New York. The Corporate Assignment of Mortgage being used to established ownership was robo-signed. 
XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX were not in business on XXXX XXXX, 2015, when the assignment was executed.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (IN)

Filed this with XXXX County, XXXX court of common Pleas Cival Division = My responseThe XXXX fka XXXX as trustee for the cerificateholders of the XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX. Temp, XXXX XXXXThe XXXX XXXX = Plantiff vs XXXX XXXX XXXX Defendant. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXXXXXXXXXX XXXX XXXX XXXX generally deny the allegations in the complaint or have lack of knoweledge as to the accuracy. 
I may still cooperate with the agreed entry. 
The property in question is loacated at XXXX XXXX XXXX, XXXX, XXXX. XXXX property has been vacant since XXXX of XXXX. Was put up for sale by my XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX. On or about the end of XXXX XXXX. In XXXX of XXXX we received a cash offer from a potential buyer / Investor for some XXXX. XXXX XXXX XXXX approved the short sale. They had comfirmation of cash payment, and a closing date assigned. Potential buyers aware of the sewer project and prepared to make the hook up. 
Title search cambe back as the original loan not being properly satisfied on the deed. Worked with XXXX XXXX XXXX to chase down re-finance company and title company. Morgage Company / Title company are out of business and title company deceased. This forced the buyer to back out. 
If we could locate someone from XXXX XXXX XXXX XXXX, nka XXXX XXXX , XXXX last known address of XXXX XXXX XXXX, XXXX, XXXX XXXX. We could poetetially fix the isue with the title / deed with not being properly recorded and showing as satisfied. 
Since the above, XXXX XXXX XXXX released the property and has taken over by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX. XXXX ext. XXXX as a debt collector and aware of teh previous short sale agreement attempt. Since then the property has gone into foreclosure. Estimated sale date was indicated as XXXX of XXXX. 
I have had no access to the property. XXXX XXXX XXXX changed the locks and added a lock box, and also pad locked the garage door. The house has been winterized since XXXX of XXXX. 
Copies of my response filing have been sent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX person to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX, XXXX. XXXX. 
Filed XX/XX/XXXXXXXX XXXXXXXXXXXXPlease help me resolve this issue. 
Thank you!
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen purchased my loan from indymac and they miscalculate the escrow account so they sent me a letter in XXXX 2015 with the new payment with all escrow shortage corrected. I talked to them and they stated that now on everything will be the same. 
Payment went from XXXX to XXXX. 
now in XXXX 2015 they send me a new later increasing my payments to {$3900.00} because now the want a " cushion '' for emergencies. I think this is a scam. I cant make that payment. 
my rate is fixed. Please help.
Consumer complaint received 2016-03-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I entered into a HAMP mod with OCWEN in XX/XX/XXXX, the terms of that mod include debt forgiveness/cancellation in XXXX even steps after I perform without missed or late payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I received a XXXX this year stating that OCWEN has taken the full amount of debt forgiveness against the XX/XX/XXXX tax year. This is debt forgiveness that has not yet been realized as the dates have not been hit and I still have to perform. This is tax fraud ( it has been reported to the IRS ) and I have no doubt that OCWEN is treating all other similar HAMP mods the same way as they are desperate to have losses to package as " advance receivable trusts '' or similar debt instruments. 

OCWEN can not take the " loss '' in XX/XX/XXXX ( in violation of the HAMP mod terms ) without immediately granting me the debt cancellation rather than making me wait several years. OCWEN ca n't pick up their end of the stick without picking up my end also. 

I am harmed by the illegal acceleration of the debt forgiveness as I am obligated to show an additional $ XXXX in " income '' on my tax return. This is unconscionable. The schedule for debt forgiveness is on " page XXXX of XXXX '' in the agreement, paragraph XXXX ( C ) " the modification ''. This is I believe actually the XXXX page of the pdf file attached.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I recently reviewed my credit report and noticed an account with multiple errors that are not reporting accurately. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information with maximum accuracy. The account in question is showing inaccuracies in payment history for XX/XX/year> & XX/XX/year>. I'm requesting you investigate these errors and update the account. Thank you for your understanding and prompt action in advance!
Consumer complaint received 2016-12-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NJ)

I completed a modification application with Caliber home loans and was denied a regular mortgage and was offered an Interest only for 5 years at 5.125 %. Because I believed this was my only option I signed the agreement and continued to make payments after my completion of a 3 month trial. I checked on line after 2 months because I never received any information from Caliber since by signing I was suppose to be taken out of foreclosure and I notice the last payment posted was from XXXX which was the end of my trial period and no mention of the funds I sent since I signed and sent the agreement. 
Caliber was accepting my money and failed to acknowledge they did not receive the agreement, yet cashed the checks. I am now forced to sign and have a notary sign the agreement again. If I did not call I would have been paying and believed I was out of foreclosure and they would have continued and I would be evicted and homeless. I was never notified the reason for the interest only payments only given different reasons from the various people who answer the phone when I called. I was told if I declined the agreement I would need to complete another modification, however, it would have the same information, my funds would be kept because of the back money owed and nothing would be applied to the principle until those funds are paid.Another person said I could appeal and did not tell me the appeal process. I find their behavior unacceptable. 
Caliber home loan took my money and did not acknowledge they did not receive the agreement for almost 3 months, then when I complained threaten me with completing the agreement or they will continued the foreclosure. My account is not being service properly, my questions are not being answered by people who have the authority I always receive a different answer. I am being judged on my pass inability to pay my debts and not on my Current behavior to rectify my situation.
Consumer complaint received 2024-08-10
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)

Subject : Complaint Against [ Credit Bureau Name ] for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Credit Bureau Name ] for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$XXXX} I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-25
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MD)

Despite Maryland to the contrary, Caliber Home Loans refuses to pay escrow account earned income to its Maryland borrowers. See, in relevant part, this section of Maryland Code : MD Comm L Code 12-109 ( 2013 ) What 's This? 

12-109. 

( a ) ( 1 ) In this section the following words have the meanings indicated. 

( 2 ) " Lending institution '' means a bank, savings bank, or savings and loan association doing business in Maryland. 

( 3 ) " Escrow account '' means an expense or escrow account which tends to protect the security of a loan by the accumulation of funds for the payment of taxes, insurance premiums, or other expenses. 

( b ) ( 1 ) A lending institution which lends money secured by a first mortgage or first deed of trust on any interest in residential real property and creates or is the assignee of an escrow account in connection with that loan shall pay interest to the borrower on the funds in the escrow account at an annual rate not less than the 6-month average dealer bid rate on nationally traded certificates of deposit, as published by the Federal Reserve in " Selected Interest Rates ( Daily ) - H.15 '', as of the first business day of the calendar year.