davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (FL)

In XXXX I requested Harp loan applications from our first mortgage company.. Filled out application and faxed all document to them on XXXX XXXX, 2015. They later requested a hardship letter which I did and faxed to them on XXXX XXXX, XXXX then they waited until XX/XX/XXXX. to request section XXXX & XXXX so I did that and faxed to them. We are into XX/XX/XXXX now and they are asking for repeat documents again. I have never seen anyone delay, delay, and delay the process of my HARP request. I have tried to talk to them about why they could not ask for all documents needed to send at the same time. Each time I sent the documents they needed they would postpone contacting me for an appointment for at least 2 weeks. then they needed something else. There is no way to get any help for this loan request. I know that if I do n't receive a HARP assistance within 2 months I am afraid I will have to start the default process which will lead to us leaving our home. I tried to get help from my mortgage company and they have no intention of giving a reduction in the principal or lower interest. I am currently not in default and am trying to stay that way.. but I think that I need to file this complaint so other families will not fall into this same despair.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

Timely final payments on a loan serviced by Ocwen were made and put into " suspense '' which accrued penalties, interest and additional fees. The final payment was {$130.00}. The amounts continue to accrue without explanation which at one point even showed a credit balance on my account. Later I applied for a operating loan for my farm and was denied because of the Ocwen reporting my " bad credit ''.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I applied to my mortgage servicer, Ocwen Loan Servicing LLC, for a loan modification XX/XX/XXXX as was laid off XX/XX/XXXX. Ocwen would not consider this until I was officially behind in my loan payments. After four attempts, the loan was modified XX/XX/XXXX, with a XXXX trial payment due XXXX XXXX. I was told NOT to make any loan payments until the trial period started. This resulted in Ocwen reporting me as 90 days late on my mortgage. This is in addition to the 60-day lates that were mandatory for me to be considered for a modification. Now I am unable to sell the home and purchase a much cheaper XXXX, as the late payments have ruined my XXXX score and made me ineligible for any type of new mortgage. My request is that Ocwen contact all major credit bureaus and remove all of my late payments for the last 12 months. I suspect it was illegal for Ocwen to insist that I let my loan go into arrears to qualify for a loan modification, and now I am trapped in a home I can not afford, even though I have opportunies to sell and pay off Ocwen 100 %.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY XXXX REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2016-07-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: USI Solutions Inc. (NJ)

USI Solutions Inc. has contacted me about an old credit card that was a charge off. I settled the debt with XXXX XXXX XXXX in XXXX of 2015 which is the company listed by the creditor. USI has continued to contact me about the debt even after I provided them proof of settlement through XXXX. The credit card number and amount that USI has are incorrect according to XXXX ( the original creditor ) and XXXX ( current creditor ). They are threatening me with further action and harassing me about the account their account. They have stated that I must have had another account, which I confirmed with XXXX, was inaccurate.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I am the deeded owner of the property and I have repeatedly tried to work with the bank on this property that was deeded to me by my Aunt XXXXXXXX XXXX 2021. Wells Fargo refuses to return calls or respond to letters sent regarding the property. Instead they have chosen to proceed with foreclosure
Consumer complaint received 2017-02-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC (CA)

While searching for a loan to help my wife cover expenses for a new job I applied with LoanMe, who offered to loan the money to me. When I was contacted by telephone initially I was not ready to make a decision without giving it more thought. The company immediately began to call me multiple times a day for the next few days to convince me to take the loan. 

When I began to acquiesce to their pressure my wife was still concerned about how the interest was computed and was told simply that it would be best to pay it off early. No one mentioned while on the phone that this loan was a XXXX. 

I decided to borrow the money from them and set up automatic payments and when I decided to stop this method of payment I was once again harassed constantly by phone to continue with automatic payments. I had to fax my wishes to the company in order to make them officially accepted by LoanMe. Even then I was pressured to reestablish automatic payments with whomever I spoke on the phone from that time on. 

Over the past few months I made most of my payments on time, paying off two-thirds of the principal. The practice of calling me constantly, whether payments have been timely or not, has never abated. The company uses multiple locations and phone numbers in an effort to disguise themselves but I learned to recognize these sources and ignore the calls. 

I was infuriated to discover when I went online to check my account that I owe much more than what I have paid so far. I checked LoanMe 's website and discovered that I had made a XXXX. This term was never used by anyone from the company in my initial phone consultations or any calls that followed ; to myself or my wife. 

Now, for some reason, I am unable to access my account online with the sign in information I have used many times before. I can only assume that LoanMe has locked me out because of recent late payments. 

I wrote a letter to the company to explain to the how I felt about their predatory practices and offered to pay what I owe on the principal. They responded by letter with the details of my contract but no mention of my complaint or of my offer. They later sent a second letter offering to settle for almost double on my offer. I did not respond. 

I do not question my responsibility to pay back what I borrowed. I do question the character of the company and the method in which they pursue and catch their customers in order to make inflated profits on their financial products. I certainly feel like prey. 

I appreciate all of your efforts to help resolve the issue at hand.
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

1. Santander incorrectly charged us for *another customer 's tax bill*.

2. Santander subjected us to multiple tax bills and escrow payments thousands of dollars in excess of our actual amounts ( a total of over {$16000.00} instead of our actual bill of {$2400.00} ), subjecting us to significant financial stress.

3. Santander neglected their one actual obligation - paying our actual property tax bill owed to the city.

4. Santander has allowed our city property tax bill to become delinquent - over a month and a half in arrears - generating interest and leading to multiple communications and warnings from the city. All this despite holding thousands of dollars of our money ( interest-free ) in excess payments. This is affecting our financial standing and has become a source of serious emotional distress.

5. Santander charged us significant late payment fees on our mortgage payments - despite the fact that the delays were due to us trying to figure out why our tax & escrow bills were so obviously wrong.

6. Santander has not met a single one of your stated deadlines for ( a ) getting back to us and ( b ) resolving this situation. They have ignored our emails and calls and are making no effort to resolve our problem despite their own stated acceptance of fault.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-10-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Alabama Housing Finance Authority (NC)

On XX/XX/year> I made a payment of {$1500.00}. I expected all of that to go toward my mortgage. Instead, {$1100.00} was applied to my XXXX payment ( I was/am behind ) and the remaining {$390.00} was applied to " Recoverable Advances ''. When the recoverable advances on first appeared on my statement I called and was told it was attorney 's fees from when I filed bankruptcy. I was assured at that time and multiple times after that my payments go toward my mortgage, and I had to call and request or write when I wanted money applied toward the " Recoverable Advances ''. When I received a statement later this month ( XX/XX/year> ) I noticed that the money had been applied to the " Recoverable Advances '' I called and spoke to a representative and she told me that she would have it reapplied and placed in " Suspense '' I informed her that I would be making another payment shortly. On XX/XX/year> I made a payment of {$730.00}. The {$390.00} which was supposed to have been reapplied to suspense account and had it been combined with the {$730.00} would have paid for the month of XXXX XXXX. I logged onto my account and noticed my XXXX payment had not been applied as expected and XX/XX/year>, was still outstanding. I contacted the lender again and I was told that the {$390.00} was not corrected and they would not be able to correct it. I recorded the entire call. I plan on making another payment on XX/XX/year> for XX/XX/year> mortgage payment then I'll be caught up moving into XXXX, however they are making it difficult by not applying the payments. They are claiming that {$1500.00} is a partial payment, however when I login my screen reads " {$1100.00} Your monthly payment was due on XX/XX/year> ( 56 days ) '' so they were able to apply XXXX payment from the {$1500.00} but not put the remainder in escrow or suspense, or per their web page just issue a refund? Instead, they are saying that because I'm delinquent they can use my money however they want. Now when I make XXXX payment it's going to go toward XXXX. Now I have to come up with an additional {$390.00} because I still won't be caught up on XX/XX/year>. Why are they making this so difficult. It's bad enough that currently the only way I'm allowed to pay them is via XXXX XXXX which adds processing fees from XXXX XXXX. I want my payments applied correctly nowhere does it say that they can just apply payments however they choose if I'm delinquent. My mortgage isn't my only financial responsibility and I'm working my tail off to get it current. In other words, I don't have an additional {$390.00} Every penny counts, and I'd like to get caught up, so I don't keep incurring late fees. I'm falling behind on other bills getting this caught up.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting a collection that does not belong to me. They placed a collection on my credit report from a company called XXXX funding. This collection has never been validated with me. 

Collections showing on my report Collections Account XXXX FUNDING Balance {$820.00} Account # XXXX Original Creditor Unknown
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (CA)

i looked at my credit report and there is something in XX/XX/year> beginning date with a 1 month term and then it also said on the XXXX  report it will be removed from the rport at the end of the year. the amount is over XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax is inaccurately reporting my closed accounts, which were settled and paid, as open with a balance of 100 % remaining. This error has resulted in a XXXX drop in my credit score. I am extremely frustrated with the persistent inaccuracies and lack of resolution from your company. Under the Fair Credit Reporting Act, I demand that these accounts be removed entirely, as the law allows for the deletion of inaccurate information. This is the last time I intend to address this issue, and I expect immediate correction.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

Ed Finacial Services continues to reject and return student loan payments. The company only accepts my loan payments once they are " past due. '' Prior to the federal loan repayment period going into effect, I submitted a payment of {$1200.00} on XX/XX/2023 which was reversed by the company. I assumed this was due to the loan repayment period not going into effect so I ignored it. 

In XXXX, I made two attempts to pay back my student loans for the month of XXXX, and both attempts were rejected. 

I made an additional attempt to pay my loan on XX/XX/2023, which was also rejected. 

The company only accepted my payment once my loan was marked " past due '' in XXXX. 

As shown in the attachment below, I am facing similar challenges in the month of XXXX. I should also note that while the company retroactively indicates the loans were reversed on the same day, I continued to monitor the payment status and each time the company indicated my payment was " processing '' for several days after my payment attempt, leading me to believe the payment was en route. Additionally, following each attempt to pay my loans, the company sent me a " payment confirmation notice '' via email. 

I have called the company and sent written correspondence asking for further clarification as to why my loans are being reversed, and I have been unable to reach a customer support representative or receive a response to my inquiry. Here, I should note I am responsible for paying student loans on other payment platforms and I have had no issues. My bank balance is always well above the balance required and I have confirmed with my bank they are not blocking the payments.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Equifax hard inquiries XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As you can see some of these hard inquiries are the same i placed a fraud alert on all three reports XXXX Equifax and XXXX I did not authorize any of these inquiries
Consumer complaint received 2024-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have requested a loan amortization schedule from Select Portfolio Servicing on more than one occasion. They have repeatedly refused to provide this information to me. Furthermore, how can I owe more on my principal balance than what I borrowed on my house. I purchased my home for approximately {$610000.00} back in XX/XX/year>. I put down over 20 % on my home and had a remaining mortgage balance of approximately {$460000.00}. Now I have a principal balance on my loan of over {$600000.00}. What has happened to me with this loan has been criminal at best. Furthermore, not being able to get a loan amortization schedule is absurd. I demand to get a loan amortization schedule and a detailed explanation as to why my principal balance exceeds over the amount of my original loan amount.
Consumer complaint received 2023-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i was have received multiple letters and emails regarding a collection that has violated my rights and do not owe. I am not liable for this debt to progressive. I have no contract with credit collection services. i have not given them my written authorization to furnish this on my credit report. i have written them explaining how they have violated my consumer right to privacy by furnishing this on my credit in accordance to 15 us c 1692c they need my express permission to furnish this on my credit. They not received any written or verbal authorization to furnish this on my credit. Also i have sent them a cease and desist letter demanding that the stop any and all forms of contact including on my credit report. In accordance with 15 us c 1692c as well. i have filed a complaint with the better business bureau in regards to this violation. If my rights continue to be violated i will have no choice but to pursue legal action seeking compensation for statutory damages. 

XXXX XXXX  ( Original Creditor : XXXX XXXX ) XX/XX/2023 XXXX