davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

My mortgage company ( Ocwen Loan Servicing ) claims to be reporting my mortgage payments to XXXX XXXX, but XXXX XXXX states they have no record of my account. I have disputed this with XXXX XXXX and have been informed that there is nothing they can do because Ocwen is not reporting my account information to them. Ocwen has sent me a letter stating they are reporting me to XXXX credit bureas, including XXXX XXXX, although XXXX XXXX states they have no record of my account number. I have forwarded this letter to XXXX XXXX and they still insist there is nothing they can do because Ocwen is not reporting me regardless of what Ocwen 's letter states. My wife and I have spent hours going back and forth between Ocwen and XXXX XXXX and are getting nowhere. As a result, our XXXX XXXX report shows no record of mortgage payments causing us a great deal of difficulty with our credit.
Consumer complaint received 2016-11-16
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: HONOR FINANCE, LLC (GA)

Hello, Honor Finance is absolutely NOT permitted to call my work, and I have sent that in writing several times as well as expressed that via telephone. I received a call on XX/XX/2016 at XXXX regarding my car loan where the caller used deceptive practices to be transferred to my classroom during school hours. The receptionist thought she was a parent because of how the caller presented herself and the nature of her call.
Consumer complaint received 2015-04-30
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC. (TX)

i have numerous emails that have come thru my job regarding issuing warrants, threats. also many vulger phone calls in which i am called every nasty word there is and my daughter also regarding XXXX her, my XXXX XXXX, etc. if i did have a laon with them i have no knowledge of this debt not being paid. i need documentation from them but can not get it. if i had a loan which i have n't done a payday loan in years i would remember this. i can provide bank documentation from bank. but i need to know where they come up with this debt they say i owe.. i received an email today that a warrant will be issued tomorrow XX/XX/XXXX at XXXX. Arrest warrant I 'd : - XXXX which will be going to release on Friday XXXX XXXXAttentionThis is the last and final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of Cash net usa Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of cash net Usa has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXXAmount Outstanding = $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

We filed a claim with the Ocwen settlement relief, and they are denying receiving our claim, although when we submitted our claim, we also sent COPYS to Att. Gen. As well as our local district congressman, to be sure they would not be able to deny reciept. Yet they are denying ever receiving our claim, I still have all COPYS of claims sent in XXXX of last year, I can send them to you, please help, they stoled our home, now they are denying receiving our claim. XXXX XXXX and XXXX XXXX son
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consunter reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-04-01
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I did apply for a payday loan with cash net usa. The only reason I know its them is because I XXXX the phone number, and the people under it says thats who it is. Anyway my complaint is that I have XXXX sisters that this company keeps calling them and harrasing them 20-25 times a day. They threatened my sisters saying that they are coming to get me and take me to jail. Then XXXX of my sisters talked to them and they claimed they were not a debt collector but just needed to talk to me. Also they are calling a job that I havent been employed with since 2006. And my ex boss is really mad because she thinks Im trying to ignore them and Im not. Plus they are calling me by my maiden name. I have been married for nine years so this debt is really old. Please help me.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

We obtained a refinance of the mortgage on our home.The new mortgager was GMAC.The title company never paid off the original mortgage with XXXX and XXXX principles of XXXX Title ended up in prison.We were able to negotiate a settlement with GMAC so we did not have XXXX mortgages on the same property.Subsequently GMAC sold our released mortgage to Ocwen who then tried to forclose on the property.We avoided the foreclosure and reached a settlement with Ocwen because they ruined our credit after starting foreclosure proceedings XXXX separate times.The question is since GMAC no longer exists do we have any recourse against GMACXXXX for violating the terms of the confidential settlement agreement?
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

DEAR CFPB : OCWEN BANK DO NOT WANT TO REFUND US ILEGAL FLOOD INSURANCE CHARGEOCWEN CHARGE USD XXXX PER MONTH THE CORRECT AMOUNT IS USD XXXX ( OVER CHARGE USD XXXX X XXXX ) TOTAL USD XXXXXXXXLOAN # XXXXXXXXSEE EXTRA INFO ON THIS INSURANCE FRAUD CASE : XXXX, New York ( XXXX XXXX, 2015, XXXX XXXX ET ) -- Ocwen Financial Corp. and XXXX have agreed to pay {$140.00} XXXX to settle a putative class action in Florida federal court with homeowners who say Ocwen artificially inflated the cost of premiums for forced-placed insurance in exchange for kickbacks from XXXX. In the proposed settlement, about XXXX class members will receive the money from Ocwen and XXXX. Ocwen has agreed to change its practices during the next five years, prohibiting commissions for force-placed insurance coverage, foregoing quota-share reinsurance arrangements with insurers and not using Ocwen affiliates to get force-placed insurance coverage. 
WE REQUEST THE REFUND OVER 4 MONTHS AGO AND WE DO NOT HAVE ANY RESPOND XXXX XXXX XXXX
Consumer complaint received 2017-03-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Bill Payment system has problem causing double payments. I called the bank and explained how their system to edit a recurring payment. Instead of sending out a edited amount, the system sends two payments. I have called the bank and they refuse to accept responsibility and return the extra payments. this has happened two months in a row wit two different edited payments. Below is the response I received from Wells Fargo 's Bill payment department. 

Here is their response " As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part ''.
Consumer complaint received 2015-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

I received a notice of an escrow shortage from ocwen for {$950.00}. I sent them a check waited, called them nothinghappened. So I sent another check thinking maybe thefirst XXXX got lost. Again nothing happened. Finallygot a hold of someone they said they have both checksand the first XXXX is being processed. Still nothing. Its been XXXX. I have a check for {$950.00} that I have no idea if whenor if it will be cashed. They do n't answer emails their callcenter is in XXXX and are no help at all. On top of thatmy last payment which they got a day before the due datethey applied to principle and not the payment due then theysaid I was late on my payment. I have never been latepaying them. They just had to pay XXXX dollars fordoing this kind of thing and they are still doing it. Willanyone do anything to stop them?
Consumer complaint received 2016-08-23
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Citizens ADVERTISES Student Loans starting at 2.49 % with a parent cosigning. We cosigned and the rate came back a 6.49 % or 161 % over the best available rate. We were immediately concerned that there was an issue with our credit rating, in fact worried of identity theft due to the high rate offered. Upon speaking with the representatives, we were told that our rate was determined only by one factor, the higher XXXX rating of the student or parents. Our rating was actually EXCELLENT at XXXX. In fact, this is a quote from XXXX. 

At this point, we asked HOW MANY PEOPLE ACTUALLY QUALIFY for the 2.49 % rate. We were told that information is " proprietary. '' I asked if she ( Supervisor XXXX XXXX ) knew of ANY LOANS given out at the advertised rate. She told me that information was also proprietary. 

In my opinion, they are using deceptive advertising practices. Listing rates that they never intend to fulfill. 

" It 's important to understand that if you have a XXXX score above XXXX, you 're going to be getting the best rates and opportunities, '' says XXXX XXXX, director of public relations at XXXX, the analytics company whose credit scores are most often used to determine a borrower 's reliability. " While it 's nice to aspire, you really do n't need to, '' he says. 

We believe that this is a case of false advertising ... of luring customers in with low rates and then not pro
Consumer complaint received 2016-12-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OH)

I have a loan with Big Picture Loans. They have charged exorbitant fees - much higher than I would have expected. Every payment except for the {$25.00} on my last payment ( payment # XXXX ) has gone to interest. It is nearly impossible to pay this balance down due to high {$350.00} bi-weekly fee required in the beginning of this loan. The interest on the loan is predatory - at an interest rate of 1014.55 %. This is insane. If I pay only the required payments, I would be required to pay $ XXXX for a loan of {$1000.00}. I have already paid twice the value of the money I borrowed.
Consumer complaint received 2015-09-25
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ad Astra Recovery Services Inc (CA)

I took out a loan from XXXX XXXX in the amount of {$300.00} and it went unpaid and this is from 2009. The debt was sold to a collection agency and they reported negative information to my credit profile. According to the FCRA all debts can only be reported for 7 years and I have written numerous letters and the are refusing to remove the negative information.
Consumer complaint received 2015-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NY)

On 2013, I ended my service with XXXX and paid the full amount. After the service was terminated, XXXX charged me for {$81.00} for the next month 's cycle which was a mistake on their part. 

I disputed this collection on XXXX and it was removed from my account increasing my credit score. 

Please assist with this issue I am having. I 'd like to keep a clean credit and I have always been diligent with my payments. I 'd be happy to provide more information. Thank you!
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have XXXX collections on my credit reports. The one was removed and put back on. one was removed from XXXX credit bureau. the other XXXX are old accounts that were just recently put on my credit reports since I started trying to clean up my credit to enable me to get a home. they are over four years old and are just now showing up as a collection, which is frustrating when I have got issues cleaned up and more come out of the woodwork and put things on my credit reports
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NY)

My name is XXXX. and I am an XXXX american ( XXXX ) male entrepreneur that self started a limited liability company in XXXX New York in XX/XX/2015. After starting the business I opened a business line of credit through the XXXX. branch at First Niagra bank which was recently sold to Key bank. The business line of credit was established for {$20000.00}. I was excited and pleased with this even though my request was for {$50000.00}. As a result, I referred one of my friends who happens to be a non-black. He has about the same credit score and income as me. I know that economically we are almost identical because I helped him to improve and understand his credit. We work at the same job and I showed him how to establish an LLC. He was approved for {$50000.00} as a start up and showed no income whatsoever. On XX/XX/XXXX I met with the branch manager to request an increase on my line of credit. My credit score was XXXX Fico. I had established about {$15000.00} in annual business revenue, {$65000.00} in personal income and my wife makes between $ XXXX annually. I was told that the decision is primarily based on credit score and that the decision would take no longer than two business days. I had not received a response by the following wednesday so I called in for a status update around noon. I was told that the branch manager would follow up with me the same day it did not happen. The following day I called in again and was told the same thing. I even sent an email. By Friday I had not heard anything so I called in just before the bank closed. I was put on hold for an absurd amount of time, almost XXXX hour before being told that I was denied because of my income. I felt like I was treated poorly from a customer service standpoint. I was put on the back burner when I have been a customer of the bank for over a year. In addition to being treated poorly, I also felt that something else was going on. I have an XXXX, I am no fool. How could my non-black friend receive $ XXXX with no business income and the same credentials as me. I feel as though I am the victim of lending discrimination. That is the only reason that I can come up with. We are virtually identical on paper. The only difference is the XXXX of our skin.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion deleted XXXX XXXX for {$160.00} because the company agreed to it. Now it has been re-reported. The debt is not mine. In addition, Transunion is reporting credit inquires that do not belong to me and do not constitute fair use. I have had XXXX credit pulls in 2015. There should be no hard credit inquires on my report from 2015. This is harassment.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I refinanced my mortgage. 
Company issued a payoff to the title company, and then paid moneys from the escrow, which increased the payoff. They send me mail to my residence, which I received on Thursday evening, stating a figure to pay them to reconcile the account. Those moneys needed to be certified and they need to receive them by Friday @ XXXX. I sent them the money, by mail, which they received on Monday, they then posted the money to my payment account, not the payoff account, then held them until Thursday. What they did n't tell me was they were charging interest per day and the payoff, originally identified by Friday @ XXXX wouldnt have even been the correct amount ( They have charged me 6 days of interest ). They are telling me I now owe more money, because they sat on funds I sent them and interest has accrued. I have wired the additional money, but am still in limbo as to the status of the payoff. At this point, I have XXXX confidence that anyone at the company could tell me what the payoff amount is and how long that payoff amount will be good for.
Consumer complaint received 2015-07-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (CA)

Pinnacle is reporting a collection account on my credit report. I first tried to dispute with credit reporting agencies. I sent letters asking for validation and received nothing. I then called Pinnacle to see what I could get straightened out and I was told by Pinnacle that they were n't handling this account ( thought they are reporting it ) and that I should call XXXX XXXX. I called XXXX XXXX and was told to call Pinnacle since they were the company reporting this disputed account. I went in circles like this XXXX times and got nowhere. I then send a certified letter ( attached ) and have had no resolution. Pinnacle has failed to validate this disputed debt, and in fact has said numerous times that they are not even handling this debt. I am requesting immediate deletion of this account from my credit reports for the violations listed above. 

Pinnacle acct # XXXX
Consumer complaint received 2015-04-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (LA)

I received a bill for {$2100.00} from J.C.Christensen & Associates, Inc.for a bill at XXXX : XXXX Consumer. 
Original Creditor : XXXX XXXX XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. 
J.C. Christensen & Associates Inc. were threatening when I called their toll free number XXXXXXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. 
The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.
Consumer complaint received 2016-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Mortgage Company ( Iowa ) has allowed my flood insurance to lapse ( they escrow for taxes and insurance for my property ) They admitted that it was their fault in a letter sent to me, and subsequently agreed to let me find my own coverage, although they had placed a XXXX forced policy. They further assured me that they would not charge me, and would adjust the amount once I got my own policy. They renaged on their word, and added {$400.00} to my monthly payment which is paid on XX/XX/XXXX and XX/XX/XXXX. 
Per an attorney, I should proceed with getting my own policy, which I did. They got the invoice and my signed application from the Insurance Agency, sent me a letter one day saying that the forced policy has been cancelled, then another letter stating that they place ANOTHER forced policy because the coverage is not enough. I asked the POINTED question, what is the dollar amount that is needed because the amount of my policy was based on the square footage of my home, and the NFIP requirements. I have received no response, and several contradicting answers from the calls that I have made. The new agency has requested that they fax them ( XXXX ) the dollar amount that they required. To date, the response has not been forwarded.. Wells Fargo has been very dishonest, and uncooperative in their interaction with me, and I might add CONDISENDING. Their intention is to direct business to their OWN insurance department at the expense of poor consumers like myself. I have been going through this with them for MONTHS. They will, and have been, doing EVERYTHING not to pay my policy. They got a phone number of XXXX XXXX to call, yet they called a number that is not yielding the appropriate results, which is to get the policy paid. I might pursue legal actions, but I am so frustrated, that I think this company needs to be reported to as many agencies as possible ; and be aware that this has been an ongoing practice with Wells Fargo.
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed a tax lien which reporting twice on transunion and both bankruptcy which are incorrect on their dates and amounts. transunion failed to properly investigate these XXXX items and thus i need them deleted per the FCRA. I am really upset that they are not doing what they say they claim to do. 

both tax liens are showing up as paid and i spoke with the IRS and they said they are doing a withdrawal as they were duplicates and incorrect as i was paying my taxes. 
I went to the court house and spoke to the county recorder/clerk and they confirmed they never speak, email, call or fax any credit bureaus yet both bankruptcy are reporting incorrectly. 

this is not the first time i have tried to have these items removed. Please assist me thank you.