davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (PA)

XXXX automatic payment spiraled my account into an overdraft frenzy, simply because there was insufficient funds for a {$10.00} transaction. I made an attempt mid XXXX to fix the situation, and Wells Fargo said they would not reverse the fees, and I refused to settle. One week later, I had an overdraft fee from a XXXX transaction that should have been covered by my paypal balance, because Wells Fargo said " those transactions process by XXXX XXXX '', not explaining that XXXX will send that transaction immediately to Wells Fargo if i had insufficient funds in my XXXX account. In addition to all that came before this, I contacted my Insurance company to try to pay for my bill another way when I knew the account was overdrawn ( because it was coming direct from my account, but i wanted the overdraft fees reversed before I used my account again ), my insurance company never responded to my calls, and tried twice to take fees out, causing XXXX more overdraft fees. Months and months ago i ran into a similar problem where XXXX overdraft fee resulted in XXXX and I refused to pay for all but the one that started this fiasco. It resulted in me contacting CFPB for help. I had my account set up so that if i had insufficient funds that no money could come out. But I guess that 's only for in stores or something. Its been a nightmare! 

To prevent more from incurring, I have since put a stop payment on all my automatic-bill transactions, filed a dispute with Wells Fargo about how I attempted to change my payment method with my Insurance Company, but was ignored so I could n't pay for it in time, and contacted all the companies I have automatic payments with to freeze/hold all automatic-bill transactions until further notice. I have filed disputes for XXXX and for XXXX XXXX company. I really would like all the overdraft fees, aside from the one that started this whole mess, to be waived, and for me to get my finances back on track. I have so many things i need to do and I ca n't even open a bank account anywhere else until this is settled. It 's very upsetting how much work I have to do to repair this account, when all I had to do was give the bank what I actually owe them, which is {$31.00} ( XXXX transactions ) and XXXX {$35.00} overdraft fee. I just want to close my account and find an alternative, like a credit union or online bank. Please help me, this is absurd how much they want me to pay right now.
Consumer complaint received 2015-04-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST HERITAGE CREDIT LLC (TN)

I had the account for over XXXX years with timely payments until I lost my job in XXXX 2014. I made my last payment as of XXXX 2014. I had no income including no unemployment and have not made a payment on the account. I have been speaking with them each month regarding my inability to pay. I spoke to them in XXXX regarding my account status and any options to lower the payments or if I had insurance on the account. The Branch Manager stated I did not take the insurance out. I stated I was never offered any. She then replied we are aware as a company the accounts were mishandled and insurance was not being offered per policy. Due to this issue along With many other issues they cleaned house and hired new staff. I then asked was the company planning on fixing the problem and she stated no. So then I asked were there any other options to help me on the account and she stated no because the balance was so small XXXX {$1200.00} XXXX. As of today I received a call stating they had no prior notes on the account regarding any of the prior conversations I have had over the last XXXX months. They demanded I pay {$400.00} immediately and I stated I do n't start my new job until Monday XXXX and could n't make a payment until XXXX my XXXX payday. They refused to accept my offer. I requested they do not correspond with me by phone any longer due to the level of disrespect over the phone and they called XXXX more times after my request.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

Dealing with Ocwen loan servicing and have been denied loan modification and multiple sending of paperwork and struggles with them is discouraging. I ca n't afford an attorney to do my modification for me, if I could, I probably would n't need a modification. They are crooks that just try to string people along and force foreclosure. my income was reduced due to hours cut at work from 40 to 30 and I could pay a modified payment. Denied and not helpful at all with any suggestions.
Consumer complaint received 2016-07-29
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Windham Professionals, Inc. (OH)

My former husband contacted me to let me know Windham was looking for me for collections on my student loans. Odd 4 weeks ago, I sent up payment arrangements with windham directly with a female, have record of emails and signed paper work with them and they even have my cell number because that 's how I have communicated with them. So why are they contacting my former spouse when he has nothing to do with it threatening that he is responsible for part of the debit. 
The number my former spouse gave me was XXXX, the number I have is XXXX. I 'm so angry. I understand that thetells is a debt owed to an amount but I sent up payment plans for the next 8 months just 4 weeks ago, payment processed, not a problem.
Consumer complaint received 2016-11-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I filed a complaint with CFPB regarding Ditech Financial and their accounting practices and holding mortgage funds in suspense and creating an excessive delinquency. Since my original complaint, Ditech has began returning my mortgage payments. I have made bi-monthly/bi-weekly payments since XX/XX/XXXX. At one point the mortgage company did the auto-draft payment withdrawals every 2 weeks. I stopped the payments when my pay days changed and I was unemployed. However, I continued to send in the payments. Ditech always accepted the payments until XX/XX/XXXX. I believe that it is retaliation for the letters to my US Senator and for filing a complaint with CFPB.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

The reason I have not disputed the issues is because of Equifax 's continued inefficient and biased processes and policies, I have been unable to do so. I 've attempted several times going through the web address given on my credit report, but it 's either down or unresponsive. The other issues I have are the continued misinformation that Equifax provides ; such as the following accounts status should show Bankruptcy Discharged : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX Bank ( which also is showing that I am " Deceased '', which I have submitted a dispute for last year, this is ridiculous ). Also, Equifax uses/adds negative words in the " status '' of accounts that are positive, such as, XXXX accounts of {$3200.00} ; {$2700.00} ; and {$2500.00} should not read " Sold '', but Closed/Never Late. The negative wording used by Equifax is given more power due to the fact that they fail to provide any differentiation on their reports between " Negative '' and " Positive '' accounts. Equifax policies, procedures, reporting and therefore scores are far different from and more erroneous than the other XXXX major bureaus, and I feel are down right criminal in nature. I 've reported this agency more than once, and I 'm sure there are millions of other Americans as well. Please do something definitive to help with correcting the wrongs of the agency. I suggest termination.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Hi, My name is XXXX XXXX. I recently logged online to check my credit report and found that there numerous hard pull on my credit without my authorization. I believe this is a case of identity theft. According to the report from Equifax here are the detail of the hard pull inquiries which were not authorized : 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
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MO)

I have a loan with OCWEN XXXX, and I want to file a complaint against them because they are continually charging me fees for late payments I had last year. I was late on my payments up until XXXX of 2014 and they charged {$15.00} to drive by the house as well as certified mail charges. I got paid up in XXXX and have not been late since, however periodically I am getting more certified charges added to my bill and I do not believe that it is correct, I have kept all paperwork from them, which they are justifying their charges but I do not believe are correct. I want this to stop, and ca n't get anything done with them
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all XXXX major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX CB 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX 's. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?
Consumer complaint received 2016-05-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

XXXX a fradualant company called XXXX XXXX XXXX manged BY XXXX XXXX claims to have rights to a heloc loan Residential capital that went bankrupt in XX/XX/XXXX, residential capital servicing rights were bought buy Ocwen filed a false notice of default, his investor XXXX claims to have bought the property at a trustee sale, and XXXX XXXX assigns the property to XXXX BEFORE THE SALE, this was a XXXX lien and we were current with first lien and was in the property for XXXX years, when we landed in a unlawful detainer court stating we are now tenants and XXXX is our landlord he never shows up in court and the court violated our rights of due process because the judge went against his bench guide XXXX because this was about title and not about rents and they should of never been able to take our house under false pretenses and criminal intent. XXXX has never paid off my first lien they just rented my house out for a year and now it is just sitting empty. On XXXX XXXX XXXX ASSIGNED THE GRANT DEED TO XXXX XXXX another fraudulent company of XXXX XXXX stating there exempt for any transfer fees? The house XXXX XXXX XXXX XXXX ca XXXX was upside for years but once it got back up this vulchers came out of the wood work getting the new secretary of stale XXXX in place all in XX/XX/XXXX and all our each others agents/ mangers all from XXXX XXXX XXXX fraud scam they have no proof of this debt because I ask for validation of claims and they could n't produce any, also they have a fraudulent trustee in place XXXX XXXX XXXX has no rights as a false trustee to give our house away and claim XXXX in debt charge off claim. XXXX IS A CRIMINAL HE ALSO GOES UNDER XXXX AND XXXX, SO HE WONT HAVE A XXXX XXXX, also XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX ARE ALL PART OF THIS SCAM THERE INVESTORS FOR THE MORTGAGE RIMICS, AND SEVICING POOLS, SCAMMERS.
Consumer complaint received 2023-04-04
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. (CT)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

Ocwen Loan Servicing LLC is running some sort of insurance scam, are incompetent or just likes to harass those of us who are unlucky enough to have our loans sold to them. Every year they purchase insurance on my behalf for Hazard or Flood, even though I send them the documentation that I have purchased the insurance. In fact no matter how I send it to them ( Mail or Fax ) they never have a record of this, and it goes on for months, and up to XXXX calls a year and multiple submissions of the same documentation to resolve it. When they finally acknowledge receipt of the information many months have passed and during those months my payments are higher due to insurance added on. This is theft, or fraud plain and simple. Not to mention I get a letter every week threatening me if I do n't comply with their " orders '' even though I have complied multiple times
Consumer complaint received 2015-07-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

I have been working with Green Tree Debt Collectors about my mortgage payments. I agreed to receive phone calls on my cell phone and at work to talk with them, but the representative 's behavior this afternoon on the phone was rude, abusive, and inconsiderate.
Consumer complaint received 2020-10-12
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. (NY)

I initially contacted the credit bureau by mail XX/XX/20 to inform them that there were inquiries on my credit report that did not belong. I have not received any information as to why they are still reporting but I am being negatively impacted by these inquiries. I have sent another letter to the bureaus on XX/XX/20 to dispute these inquires again to have them removed.
Consumer complaint received 2015-07-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jason A Craig, PC (GA)

I was charged for a medical service in 2011 by XXXX XXXX XXXX XXXX without my consent. This occurred immediately after I had clearly expressed the specific services I was there to receive to his office staff and that the services must be covered by my medical insurer. I subsequently learned XXXX XXXX XXXX had used this same tactic to up-sell another patient. It is my belief a study of his practice would prove a pattern of over treating patients to increase his invoices. I have protested numerous times in certified letters to the XXXX XXXX XXXX. Now an attorney representing XXXX XXXX XXXX as a debt collector is requesting payment and the amount has increased 234 % without explanation. The original debt is fraudulent. The practice of the attorney, XXXX XXXX XXXX, is perpetuating the fraud and harassment. This is abusive, deceptive, and unfair. I have good documentation of my dispute from 2011 to present.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (VA)

I have been enrolled in the IBR program since finishing graduate school XX/XX/2012. I have followed protocol flawlessly during that time. This year, however, due to an exceptionally busy schedule of work, travel, and moving, I missed the re-enrollment deadline by under a week. My servicer NelNet acted quickly, informing me that the interest accrued during the last year ( over {$25000.00} ) would be applied to my principal balance. Now, I fully admit to missing the deadline but what I find incredulous is that there is no way to appeal this decision or negotiate what essentially works out to be a penalty as is commonly done in business and loans. It 's laughable. The best the customer service agent could do was offer me a phone call from a supervisor sometime in the next couple days, and could n't even confirm the number I should expect to receive a call from nor that the supervisor would leave a voicemail in the case I was unavailable to answer. I understand that the impetus is on the consumer to keep abreast of policy and plan details, but the fact that there is absolutely no avenue to appeal or flexibility in any matter is borderline predatory. Also, as the agent confirmed, I can only receive electronic OR mail correspondence. Not both. That alone is baffling. It is also severely decreasing the likelihood that this loan will ever be paid in full.
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

My XXXX XXXX XXXX account is reported as delinquent and seriously delinquent XXXX, the contract was signed XXXX XXXX 2014 and the first payment of {$85.00} bi-weekly was due XXXX/XXXX/2014. On XXXX XXXX 2014 I made a payment of {$320.00} which equals 2 months of payments. On XXXX/XXXX/2014, 10 days later, I made a payment of {$340.00} which equals another 2 months in advance. Although I provided a copy of my payment history from XXXX XXXX XXXX, Equifax continues to provide potential creditors with erroneous information. In addition, I have been denied credit because of this intentional reporting of wrong information.
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

I 've had my house for 10 years now, I have XXXX mortgages and the XXXX was sold to OCWEN. I 've been paying them on time for years and XX/XX/2016 they sent me a letter stating that since the market rates have risen that so will my monthly mortgage payments. My rate was 3.875 % and OCWEN is raising it to 4.125 % but for some strange reason my payments are going from {$800.00} per month to almost {$1600.00} per month. I told OCWEN that that 's ridiculous and that I ca n't afford it since I 'm already struggling with this payment and other bills. I applied for a loan modification and they finally got back to me stating that I make enough from my monthly gross income & my 401k savings to be able to pay them. Now I see why I 've seen so many complaints about OCWEN that they 're just a call center full of money hungry crooks. I pray XXXX will deliver me from these XXXX and send me to a real mortgage company so I can keep my house.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX/XXXX/2015, I contacted TransUnion concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made TransUnion aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that TransUnion had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. TransUnion has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (PA)

I accidentally drove through the XXXX on the PA turnpike. They billed me for the full length of the turnpike. I called Nd told them I still had the ticket. The woman instructed me to mail in the ticket with a money order for XXXX . I did this XX/XX/XXXX. I know this because I have a photograph of all of the paperwork before I sealed it and dropped it in the mailbox. XXXX, I recieved a notice from a collection agency for XXXX . For failure to pay the pa tp. I called XXXX to see if the money order had been cashed, it had not. I honestly do n't know what to do at this point. I 've spent years trying to fix my credit. I feel powerless.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (MD)

I was the victim of an internet scam. Someone defrauded me out of a large sum of money. My Dillards credit card account was not in dispute. Wells Fargo shut the account down anyway. I did not request that the account be closed.
Consumer complaint received 2023-04-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Dear Consumer Financial Protection Bureau, I am writing to submit a third complaint concerning the late payment reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports. This complaint is prompted by new information that further complicates the situation. 

Upon closer inspection, I discovered that for my Equifax credit report, I am being reported as 60 days late instead of the 30 days late that I previously mentioned in my complaints for XX/XX/XXXX as of today XX/XX/XXXX. I have never been 30 days or 60 days late and this discrepancy is significant, and I believe it warrants further investigation for why I was reported the 60 days late. 

To recap the events : XX/XX/XXXX : Received a notice from XXXX XXXX about being reported 30 days past due for XX/XX/XXXX, payment. 

Subsequently : Disputed the late payment report with XXXX XXXX and XXXX XXXX XXXX XXXX multiple times. 

Recently : Discovered the 60 days late reporting discrepancy on my Equifax credit report. 
Given this new information, I kindly request that the Consumer Financial Protection Bureau investigate this matter further and help facilitate a resolution that addresses the ongoing inaccuracies and damages caused by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to my credit report and personal well-being. 

Thank you for your attention to this matter as a XXXX XXXX XXXX XXXX  mom of a XXXX, who is working full time the support in the complaint and subsequent complaints submitted would be appreciated. I look forward to your assistance in resolving this ongoing issue.