davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen Loan # XXXX XXXX XXXX CA XXXX After giving us an approval letter with an approved net, Ocwen is now claiming they want a higher net. They will not tell us what that net is. Instead of giving us an answer, they are further delaying this short sale by claiming that the US Treasury is the one that determines their Net Present Value ( the definition of which make no sense in and of itself and Ocwen is refusing to explain to us. ) They are refusing to give any kind of timeframe that the underwriting team will be finished with its review, and that they refuse to respond to our phone calls and voicemails. We have to contact the Ombudsman 's office to get ANY response whatsoever from Ocwen. 

The US Treasury has NOTHING to do with this file. It is not government backed. 

WE ARE TIRED OF BEING LIED TO -- -- -- -- -- -- this file is a private pooled group of investors and Ocwen is DELEGATED to make all decisions on the file.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (VA)

There are issues with my credit reports of accounts I have no knowledge of or authorized I have Delinquency marks that shouldnt been there and Im XXXX with XXXX and Im unable to pay or complete payments on my own my father XXXX XXXX is the one responsible for making all my payments made
Consumer complaint received 2018-05-09
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Student Assistance (VA)

Dear Sir/Madam : Please be formally informed that neither the US Department of Education not the American Student Assistance has sent me any information about being in default or late on payments. I have never obtained a letter from the latter stating that they currently represent the debt nor a phone call discussing the matter. I have never been given due process to dispute the debt or discuss any solutions with the organization.

I ONLY obtained notice from my part time employer that the funds were being withheld as of the next pay period.

Furthermore, the amount attempting to be collected at 15 % is egregious and will result in major hardship to me. I need to have this matter resolved immediately and I thank you in advance for your help.
Consumer complaint received 2018-04-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
XXXX  1.XXXX XXXX XXXX  2.XXXX  XXXX XXXX XXXX 3.XXXX/XXXX  XXXX   1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX/XXXX  Experian 1.XXXX XXXX XXXX XXXX 2.XXXX/XXXX 3.XXXX XXXX XXXX ...

Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...
Consumer complaint received 2018-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion claims that its policy is in accordance with the Fair Credit Reporting Act, however it has allowed XXXX XXXX to pull my credit history without showing or providing proof that it had done so in the very same accordance of the Fair Credit Reporting Act that they claim to be upholding. Again I had not requested or shown interest in any loan product that XXXX XXXX was offering. Should XXXX XXXX produce evidence to the contrary then I will accept the information as reported and provide a letter of sincere apology to all involved.
Consumer complaint received 2018-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the THIRD time I have tried to fix this issue with Transunion, there is a fraudulent account with XXXX XXXX XXXX that all the other credit agencys deleted. 

This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 3 MONTHS. 
I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW.

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

Background : Ditech sent an Annual Escrow Account Disclosure Statement dated XX/XX/2018 stating that my escrow account had a shortage of {$410.00}. I paid my escrow shortage in full. It was recorded by Ditech on XX/XX/2018. 

Prior to receiving notice of an escrow shortage, I paid my XX/XX/2018 mortgage payment in the amount of {$1500.00}. This payment was recorded by Ditech on XX/XX/2018. However, due to the shortage of {$29.00} ( monthly increase in escrow ), my XX/XX/2018 payment was applied to principal only.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (AL)

I applied for a modification review with Chase on XX/XX/2015. On XX/XX/2015 my attorneys office spoke with the lender and they stated that the underwriters were requiring clarification on XXXX XXXX XXXX XXXX personal loan showing up on my credit report and paychecks. The attorneys office provided the clarification and the Chase representative stated that the file was being sent back to the underwriter. On XX/XX/2015 my attorneys office called the lender again and spoke with a XXXX XXXX, who provided the status update that the documents were still with the underwriter pending a decision. On XX/XX/2015 my attorneys office called the lender again and was given the status update that the file was actually DENIED and kicked out of review on XX/XX/2015! The office provided Chase with the information that we were given false information for the last XXXX calls to Chase and an escalations representative came on the line and stated she would ATTEMPT to send it back to underwriting but because its been so long she is unsure if it will work. Please help! We have been lied to for the last 2 months! How are we able to complete a review if they are giving false information!
Consumer complaint received 2016-06-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

On or about XXXX XXXX my roof was damaged in a storm. I contacted my insurance company they sent someone out and they agreed to replace my roof. Funds were disbursed to the lender QBE/Seterus License # XXXX approx. {$19000.00}. We selected XXXX XXXX to complete the repair because of their outstanding reputation here in XXXX, FL. QBE/ Seterus refuses to start the repair process on my roof by releasing funds to the roofer unless I can find a roofing company that will agree to sign their Contractors Conditional Waiver of Lien attached here with. I have called XXXX roofing companies here in XXXX Florida and all refuse to sign such a waiver. Seterus then told me to go hire an unlicensed contractor to do the work???? Since XXXX the roof has become more and more unstable and is now leaking down the walls of the home and the a/c unit has filled with XXXX mold and has stopped working properly. The home is becoming completely uninhabitable and the damage continues to mount. Please Help Frustrated and Furious that Fannie Mae allows servicers like this to handle their affairs.
Consumer complaint received 2018-04-25
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 — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Hello my name is XXXX XXXX. I have a problem with my loan company. They are reporting that my account is 60 days pass due and it not accurate. I spoke with them on the phone and the rep told me that the system will automatically do 60 days when it had only been 30 or more days but never 60 days. Leagally how can they put me at being 60 days when it hasnt been. Speaking to them is very confusing and it hurts me to talk to them. I dont understand. They are very tricky with there system and its a way to keep the customers in bad ratings with there system. They can look me up by my socia! XXXX
Consumer complaint received 2018-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (AZ)

ON XX/XX/XXXX I submitted a complaint with the CFPB reference XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX is currently listing an account on credit report in the amount of XXXX dollars. They alleged in the response to have sent me a validation letter mailed to me on XX/XX/XXXX. This letter was never received by me. I contacted the original medical provider and who confirmed with me that I no longer have an outstanding balance on there books. The last service I received from them was on XX/XX/XXXX which is over four years ago. I request that XXXX XXXXXXXX XXXX XXXX provide me with the following response through this portal and mail. Being that is debt they are attempting to collect is a medical one, a signed HIPAA letter by me authorizing the release of my medical records to them. Information related to the transfer of account from the original creditor to them, such as time, date, amount XXXX XXXXXXXX XXXX XXXX bought or sold my account for. I am currently working with a law firm who does pro bono work, and requested the above issues addressed. I have also filed a complaint with the Arizona Attorney General 's consumer complaint unit. 

Thank you.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

I would Like to open a complaint on behave of Equifax credit reporting agencies I asked them to send me a copy of the Orginal SIGNED contract for XXXX XXXX XXXX XXXX and a XXXX late Payments and ALL CREDIT Inquires that is more than 30 days old with my signature on file and they failed to do so. They sent out a letter to me starting that they do not keep that Information on File. I WAS VERY SHOCKED THAT THEY STATED THAT THEY DO NOT KEEP THIS INFORMATION ON FILE 1 THIS IS A FEDERAL LAW THAT THEY HAVE TO KEEP THE CONSUMER DOCUMENTATION ( credit application in there Physical possession at all time and I have the right to ask for this Information and they are and should provide this Info when asked about THIS IS PART OF THE FCRA 609 ( A ) ( 1 ) ( A ) AND THE SEcTION 611 ( A ) ( 1 ) ( A ) it is against federal law for them to report information on a consumer Like Myself without that. CAN NOT REPORT THIS INFO AND IT MUST BE PROMPTLY DELETED I 'M Fully aware that each creditor MUST send this Info to each of the reporting agencies In order for them to report information about the consumer As you can see from the attached Letter Equifax already admited that they DO NOT HAVE THIS INFO SO IT MUST BE DELETED THIS IS A FEDERAL LAW AND EACH OF THE REPORTING AGENCIES MUST OBEYED BY THIS LAW XXXX XXXX XXXX LATE PAYMENT PLEASE HAVE THIS ITEM REMOVED ASAP XXXX XXXX 30 DAYS LATE PLEASE DELETE THE LATES INQUIRES PLEASE REMOVED ANY INQUIRES THAT IS 30 DAYS OR MORE OLD. 

THANK YOU SO MUCH! 
XXXX XXXX XXXX
Consumer complaint received 2016-06-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TN)

My sister tricked me into co-signing a student loan. She said it would be forgiven by the federal government once she graduated because she was a single mother. I have a XXXX XXXX and can not read well and can not comprehend what I read. My XXXX was a modified one since I could not earn a regular XXXX. ( This is being typed for me by a friend who I have explained my situation to. ) Since I work, I am being pursued for the loan. They loaned her {$30000.00} and want over {$100000.00}.
Consumer complaint received 2021-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am repeatedly receiving phone calls at XXXX XXXX. and XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX  for an account and debt from XXXX XXXX XXXX XXXX XXXX XXXX, for {$6200.00}. The collection account and debt is listed on my Trans Union, XXXX and XXXX  credit report. The collection account or debt, is not my account or debt. The collection account does not belong to me. XXXX XXXX XXXX XXXX, Representatives is steady calling me annoying and harassing me, using abusive and profane language against me, threatening me with XXXX and XXXX, all for an account and debt thats not my account or debt. XXXX XXXX XXXX  has frightened me and put me in fear of losing my life. XXXX XXXX XXXX XXXX, is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law. Their business practices are frightening, unethical and unlawful.
Consumer complaint received 2018-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

Someone stole my cards one of which was a td bank card. All other consumers helped me promptly, but tdbank denied my claim twice even after police report was filed. They offered no assistance with trying to find the person responsible. I asked why wasnt provided a photo? The manager said they cant show pictures of the person who has taken money out my account. As if they are protecting the person or protecting themselves from not securing the money I placed in the bank to be safe from being stolen. Ive banked with them several years having no problems and now all of a sudden Im a bother to them. They were more than happy to assist me into banking with them, but cant help a customer get compensation for their money.
Consumer complaint received 2016-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (VA)

My name is associated with a loan that is in the name of my ex-wife ( XXXX ). It was a consolidated student loan from 2002. When I asked FedLoan Servicing to help me in negotiating payment, I was directed to the Dept. of Education. The Dept. of Education basically pointed out that I have no loans in my name, and that there is no way for me to deal with any of my ex-wife 's loans. I hope to purchase a home in the near future, and the only potential source for negative credit is this loan, and I have no way of dealing with it. At this point, I would like for FedLoan Servicing to stop reporting the loan to credit companies, at least until I am given a way to negotiate payment.
Consumer complaint received 2018-04-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc. (PA)

I borrowed a loan in the amount of {$1700.00} from Money Lion Phone XXXX on XX/XX/XXXX. The payments were {$410.00} a month and I thought a portion of that would go towards the principal. I was wrong because after making a few payments, I logged into the Money Lion account and saw that the {$410.00} was interest only. I filed a prior complaint about this in XX/XX/XXXX with CFPB. On XX/XX/XXXX Money Lion emailed me another payment plan which was scheduled to start on XX/XX/XXXX, biweekly for {$86.00} with a final payment on XX/XX/XXXX. 

I missed a few payments due to the previous payments made towards this loan, and that caused me to be late paying other bills rent, utilities etc. I received a letter in XX/XX/XXXX stating that I would be taken to court if I did not follow the new payment schedule for a balance of XXXX. Granted, this is a loan that I know has to be repaid but the interest rate is ridiculous. The new contact that Ive spoken with is XXXX at XXXX ext. XXXX. It is as if nothing I paid was applied to the loan. As of XX/XX/XXXX I have paid this lender the following. 
XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX Total {$1700.00} Even with a missed payment what is the actual amount owed?
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I provide Experian proof of incorrect entries on my credit report. Experian is removing incorrect information from my credit report and re-adding it. I paid XXXX in full. Experian remove it from my credit report and now is reporting is as a negative transaction on my credit report.
Consumer complaint received 2018-04-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TN)

I am receiving collection letters from AMCA original creditor XXXX XXXX. I went to the hospital on XX/XX/XXXX and they took a copy of my insurance card and ID they came in and XXXX XXXX the same time. Hospital was paid for this date of service and I get a bill in XX/XX/XXXXof this year for a bill of {$250.00} this bill is over a year old and I called XXXX XXXX and XXXX XXXX XXXX XXXX and talked to XXXX she stated you had coverage at this time they can not bill you. She called the collection agency 3 way with me on the phone and told them I have insurance and they should not be billing me she advised she would contact XXXX. XXXX called XXXX and talked to XXXX and XXXX told her she would take care of it. Today on XX/XX/XXXX I received another bill that I have included for a different amount of {$170.00}. This is not legal when insurance is involved. Two different amounts and I had insurance at this time they are threatening to put this on my credit report.
Consumer complaint received 2018-04-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (GA)

On XX/XX/XXXX i received a letter from my second mortgage company, XXXX, that i had been approved on my Home Equity account for a FULL PRINCIPLE FORGIVENESS due to a settlement w XXXX XXXX XXXX and the Department of Justice. the letter went on to state " You do not need to take any further action to accept this offer. Your Home Equity account balance will " AUTOMATICALLY '' be forgiven UNLESS you call us. ( My Bankruptcy atty had been CC 'd on the letter but was never mentioned in the letter. My bankruptcy had been discharged XX/XX/XXXX .i understand i was no longer responsible personally for the debt, but this letter released the property as security for this loan. i still own this property and the first has continued to be current ) on XX/XX/XXXX i received a letter from REAL TIME SOLUTIONS that XXXX   ( formerly XXXX ) had transferred the right to collect payments from me to REAL TIME SOLUTIONS ... The amount that they intend to collect is {$40000.00} the letter said to send a letter if you dispute the debt which i did. i called and spoke w XXXX XXXX and once again disputed the debt. He gave me his email sent an email XXXX so i sent another correspondence. i was afraid they might start foreclosure proceedings and i am a well known XXXX  in my community and the thought of reliving my name in the paper kept me up many many nights!!! i am proud to say i have been reestablishing credit.

On XX/XX/XXXX i received another letter from Real Time Solutions that XXXX  told them my attorney XXXX XXXX sent the extinguishment letter BACK and therefor the EXTINGUISHMENT WAS NOT PROCESSED!!! ( on the date of this letter the Bankruptcy had been discharged so he was no longer my attorney ... ) XXXX did not have the authority to process or not process the extinguishment. This was decided in a class action lawsuit with the DEPARTMENT OF JUSTICE! The Security Deed should have been cancelled! it has been 3 YEARS that XXXX did not abide by the ruling. i am not an attorney but it is definitely a violation of federal collection laws. i have all documentation that i will gladly send ...

any assistance will be greatly appreciated!!!
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (HI)

XXXX report says : XXXX  on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them. 



XXXX report says : XXXX XXXX XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXXgave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.