davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

In 2011 we attempted to refinance through our local bank. We wanted to refinance because our mortgage, through Ocwen Loan Servicing, is prohibitively high at nearly {$7500.00} per month. We had an appraisal done and had the new mortgage loan all set up. But the day before all legal papers were to be signed, Ocwen Loan Servicing contacted our bank and our local XXXX XXXX XXXX to say that Ocwen would only let us out of the mortgage obligation if we paid the entire remaining mortgage PLUS a $ XXXXXXXXprepayment penalty! Everyone at our bank and at XXXX XXXX were shocked and said none of them had ever heard of such a situation and it certainly sounded like predatory lending. We knew nothing to do about this situation until the recent XXXX XXXX article on the Bureau of Consumer Financial Protection. We have continued to pay this monthly mortgage fee so we do not lose our home and business. It is difficult and discouraging, especially since interest rates have dropped so much, but we are still stuck at 9.75 %. We have tried asking Ocwen to let us refinance at a lower rate, but they have ignored us. Our local bank is still offering to refinance us at a much better rate, but we can only do so if we are able to get out of this prepayment penalty obligation with Ocwen. Please see if you can help us.
Consumer complaint received 2023-07-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received two letters from Bank of America that I was trying to open deposit accounts and they were declined because of my credit score. I never attempted to do this. So I locked my credit report and tried to contact Bank of America where I have either been disconnected after being transferred or put on an indefinite hold.
Consumer complaint received 2017-02-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

I received pretender lender loan servicer " Ocwen Loan Servicing '' mortgage statement, XX/XX/XXXX. between XXXX and XXXX Ocwen Loan Servicing used Homeward Residential and American Home Mortgage robo-employees as a court XXXX tool to phony up a XXXX lawsuit against me by using forged fabricated documents and robo-witnesses. Ocwen Loan Servicing made several attempts through the years to rip off my home I own free and clear. I do not owe Ocwen Loan Servicing a single penny, never have and never will. Ocwen Loan Servicing used fraudulent foreclosures, using its cozy relationship with altisource to phony up fraudulent trustee sales, using sale threats as a weapon, that if I did n't sign the loan modification settlement they would proceed with fraudulent trustee sale and I would lose my home I own free and clear. I have serious health troubles, I signed the fraudulent {$750000.00} loan modification under stress and fear to stop the altisource fraudulent trustee sale that was taking place in just days. Ocwen Loan Servicing and its lawyers have been harassing me for years, which has caused me serious life threatening permanent health troubles which will be proven in court. With the support of my doctors and new lawyer I will be given my rights back and be given a fair jury trial. I will be retaining attorney " XXXX '' XX/XX/XXXX, she will be serving Ocwen Loan Servicing with summons. Ocwen Loan Servicing stop harassing me, stop using your cozy relationship with altisouce to further threaten me and push me around. I do not owe Ocwen Loan Servicing a single penny. I will not pay pretender lender loan servicer " Ocwen Loan Servicing '' {$750000.00}, over {$200000.00} more the {$550000.00} Option One Mortgage Loan that was paid off over 10 years ago. 

I pray in the name of XXXX that you please give those Ocwen XXXX employees terminal XXXX so they will stop harassing me and leave me alone, and so they will feel the pain of what its like to be tortured for years. Amen!
Consumer complaint received 2015-06-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tri-State Adjustments, Inc. (NY)

I paid a bill to the creditor, XXXX on XXXX XXXX 2015 for the full amount of XXXX. 2-3 weeks later tri state adjustments called my wife, not me, on her cell phone asking for payment of this same debt. I called tri state back to advise that payment was made but the representative said collection would continue because i could not give him the check number at that moment ... .while I was driving. A few days later I called to advise the agency that check XXXX was sent and cashed by the creditor. I also advised that I called the creditor to confirm that there was no money owed to XXXX at which time I was told that there was no open balance showing at that time. Now I find that tri state adjustments has put the collection action on my credit report despite the fact that payment was made in full before any collection action was started by them. I again called the creditor to verify that there was no balance owed, which they confirmed. They also stated that they would advise Tri state that payment was made in full but they continue to verify the amount as due and payable. They obviously made no effort to verify the correct information withe XXXX or simply are looking to have me pay them to remove this inaccurate information from my credit report aka extortion.
Consumer complaint received 2015-04-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

Hi - I got a student loan from Nelnet to attend XXXX. As I was an XXXX XXXX, XXXX set up a XXXX in order to secure the loan. In spite of this, I always received the form XXXX XXXX so that I can file this in my annual tax returns. Recently XXXX took over my XXXX, and without really informing me of anything, are now saying that since they do n't have my original SSN on record, they will not give me my XXXX XXXX form ( even with the XXXX SSN ). I immediately sent them a scanned copy of my SSN, but they now say it 's too late. Since I was never informed of this change, and only now am told it 's too late, I am filing a complaint as I stand to lose XXXX hundred dollars in this arbitrary process change.
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

In XX/XX/2005 I was put on a transplant list. I had just retired and I only had XXXX After the XXXX claim my premiums trip tripled and benefits were cut by XX/XX/XXXX. With all of the medical expenses, I was forced to refinance and an online broker filled out the paperwork so I would qualify for their XXXX XXXX. I was desperate and sick. I was being charged up to XX/XX/XXXX XXXX % on a house that was under water! The loan was bot and sold many times to different ( Loan Servicing Companies " Debt Collectors '' ) I finally was able to receive a Loan Mod. 
From XXXX ( Really Crooked ) that took about a year and a half! It was affordable at first, but now the interest rate is making it unaffordable again! The loan now is owned by Ocwen Loan Servicing ( More Crooked than Any Debt Collector )! Impossible to deal with! 
In XX/XX/XXXX I sent a Certified Letter & Claim re : The XXXX and the original DEED that was fraudulentl from the start. It was made by XXXX Mortgage in XX/XX/XXXX 
Ocwen has never replied the XX/XX/XXXX Certified Mail. All they have done is send me copies of the original Loan Modification Documents and avoid/ignore the fraudulent claim against them! 
They are stalling because my house is now longer under water and they would love to own it! 
I am now XXXX years old and try to work as much as I can, but I 've had a XXXX, I 've had over XXXX in my lifetime and still do have XXXX removed about every XXXX months, due to a compromised Immune system from trans plant. 
I would sure hate to be on the street at my age and condition!
Consumer complaint received 2016-03-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Recovery Corporation (FL)

On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX and I received attention in the XXXX. On XXXX XXXX, XXXX I received a hospital bill stating that I had to pay {$450.00}, which I paid in time. On XXXX XXXX, XXXX over a year later, I received a notice from a company called XXXX XXXX XXXX and they informed me that they are a collection agency that took over the account of the company XXXX XXXX XXXX XXXX XXXX XXXX which was a company charging me {$1500.00} for the doctor 's bills. They were charging me because I did not pay. I called XXXX XXXX XXXX XXXX XXXX XXXX and asked them why they sent me to collections if I did not receive a notice from them for over a year. They told me that they did try to communicate, but they never received a response and I asked them why is it that they say that they tried to reach me when I never received any notification but received a letter from XXXX and they did have my correct address and means to reach me. They advised me that they could not do anything because the account was in collection. I called XXXX XXXX XXXX and made payments arrangement. So far I paid XXXX a total of {$500.00}, with my last payment being made on XXXX XXXX, XXXX. On the first week of XXXX XXXX, I received an online notification from XXXX stating that I had an open account place in collection from another company named Revenue Recovery Corporation from the amount of {$1200.00}, which is a surprised since I paid to XXXX {$500.00}, so the amount should be {$1000.00}. Where the extra {$200.00} came from? I called XXXX to asked them why they sold my account to another collection agency. They answered me that the account was closed by the original creditor and I should call the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX and they told me they do n't know why XXXX closed my account when I was making payments. I called the other collection agency Revenue Recovery Corporation and ask them when are they planning to inform me about this account on my credit report. To this day XXXX XXXX, XXXX I did not receive any kind of communication from them. Is this tactics legal? Is this the right way to conduct business? I want to complain because the company XXXX XXXX XXXX XXXX XXXX XXXX sent me to collections without notice after a year. I also want to complaint about this new collection agency Revenue Recovery Corporation as they say I owned {$1200.00} which in reality it should be {$1000.00}. Why are they charging me {$200.00} extra? Why did they report me on my credit report when I was paying to the other collection agency?
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

Received a phone call from ERC XXXX asking to speak with me ( using my married name which has been changed for almost 7 years ). The person was hard to understand but was stating that I owed a debt on my cell phone account XXXX XXXX XXXX, I reported that I have auto pay set up and don't believe this to be my debt, she then asked if the last four digits of my social were ; and gave four digits I don't recall ; they were infact not my social and she said she had the wrong person and hung up. 
I believe this this was an attempt to get my banking information as she requested card or bank info before verifying anything else and I had to ask her to verify the debt. Since I found this call to be odd as I have XXXX outstanding debt I thought it best to report it as I do not want others to be scammed by this company
Consumer complaint received 2023-08-19
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: NAVY FEDERAL CREDIT UNION (FL)

I am writing to file an official complaint against Navy Federal Credit Union due to their repeated and unjustified failure to provide me with Form 1099-C, a necessary document for tax reporting purposes. Despite my numerous attempts to communicate with the company and request the form, I have been met with an alarming lack of responsiveness and a disregard for their legal obligations. 

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 I trust that the Consumer Financial Protection Bureau will handle this complaint with the utmost attention and take steps to ensure that my rights as a consumer are upheld. Please keep me updated on the progress of this case.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-19
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: WELLS FARGO & COMPANY (SC)

Wells Fargo was charging fees that i disputed and if reversed would have settle my account. Instead, they reported me to the credit bureau while accounts were in dispute and refuse to correct that information. I am asking that the adverse reporting be removed from my credit reports. They have since refunded the amounts in dispute but that alone has not been accepted by the credit bureau. When i dispute the reporting and submit the checksa nd documentation supporting the dispute I am directed back to Wells Fargo for correction.
Consumer complaint received 2016-03-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

Calvary Portfolio, LLC does not have a surety bond and according to the Texas Code 392.101, third party debt collectors are not allowed to collect on Texas residents unless they have obtained a surety bond. This account should be removed from all XXXX credit bureau reports.
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Certified Recovery Systems, Inc. (TX)

CERTIFIED RECOVERY REPORTED A COLLECTION THAT WAS WITH ANOTHER AGENCY AND TAKEN OFF MY CREDT. I NEVER RECEIVED A NOTICE FROM CERTIFIED RECOVERY OR ANYTHING. THEY JUST PUT THIS ON MY CREDIT. I SENT FOR VALIDATION OF THIS DEBT AND THEY JUST IGNORED ME. IT HAS BEEN 97 DAYS SINCE MY FIRST REQUEST FROM THIS AGENCY
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

I have been in the modification process with CitiMortgage for the last 2 years. I am consistently denied a modification. My last XXXX denials were because of unverifiable income. I work on the books, get a paystub and XXXX and my job deposits my money in my account every month. I get rental income, that is also deposited in my account every month. I submit any and all documents that were requested. I even forced my tenants to sign a lease because the banks said that I HAD to have a leases, though I did not want XXXX. I do not understand why my modification request is being denied. I make {$66000.00} a year plus have {$16000.00} in rental income. I filed bankrupcy and it was discharged in XXXX 2015, so I do not have any other revolving debt other than my student loans. My mortgage balance is {$390000.00}. I need help in determining why they are allowed to do this. I provide everything in a timely manner.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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  PLEASE REMOVE THESE ACCOUNTS PER 15 USC 1681b.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX Missed payments ' XXXX XXXX  I OWE THEM {$270.00} in COLLECTIONS OPENED XXXX. XXXX XXXX XXXX I OWE THEM {$1900.00} IN COLLECTIONS OPENED XXXX. 

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

In XXXX 2016 it was announced that Pennsylvania, as well as other states and commonwealths had reached an agreement with mortgage lender HSBC. I am a homeowner whose mortgage was serviced by HSBC since I purchased my home. I have heard no news or updates on this agreement since the announcement in XX/XX/XXXX. I was particularly interested in the section of the agreement that pertained to the loan modifications, which included principal reductions and refinancing for underwater mortgages. For years, I attempted to get assistance through HSBC to refinance at a lower interest rate than the 6.79 %, which I still currently have on my loan. HSBC offered a series of loan modifications, which lowered my monthly payments, but did little to lower my principle balance. 
Last year, this modification resulted in over {$14000.00} being applied to interest only on the loan, while the principle balance only decreased by slightly over {$4000.00} during the year. Since HSBC would not refinance and did not participate in any Government sponsored relief programs, I am still stuck with a higher than average interest rate and still slightly underwater My concern about this agreement grew deeper when my loan was suddenly transferred to a new third party loan servicer effective XXXX XXXX, 2016. Is this loan transfer part of the agreement stipulations or is HSBC seeking to shed some loans to lessen the impact of the settlement? Given HSBC 's history of questionable business practices, it would not surprise me if the latter was attempted. 
During my prior inquiries, I was informed that HSBC would be in contact with their customers regarding this settlement. Since they are no longer the mortgage servicer of my loan are they still responsible for this follow-up? 
I would appreciate if you could review this correspondence and follow-up on my concerns.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to dispute the following negative accounts on my credit report. 

XXXX : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$100.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX