davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

PHH mortgage recently sent me a notice of default and intent to accelerate letter. This letter claims they have not received a payment since XX/XX/XXXX. In XX/XX/XXXX I received notice that I was approved for a mortgage modification which I applied for in XX/XX/XXXX when my husband got sick and was no longer able to work. The trial modification was to go from XX/XX/XXXX - XX/XX/XXXX. If I complied with the terms I would be offered a permanent modification. I paid every payment in that time period not just on time but early. At the end of XX/XX/XXXX I received notice that I was being offered a permanent modification and the paperwork was in the mail. I continued paying per the terms of the trial modification while I waited for the paperwork. It took two months and several phone calls and emails before I finally received the new modification agreement. I immediately signed it before a notary and sent it back. I also sent my husbands death   certificate and proof that I was entitled to the property as my husband had passed away   in XX/XX/XXXX. I didnt get any response, however, shortly after I sent in the permanent modification paperwork I lost access to my online account, I could not log in. After several emails to customer service I regained access but I could no longer make payments on line and all the account information changed. Neither the temporary modification nor the permanent modification were reflected on the on line account information, and none of the payments I made under the modification were shown. After several months of phone calls, emails and complaints I received via XXXX the permanent modification paperwork and the agreement to assume the mortgage. I immediately signed and returned the paperwork via XXXX with delivery confirmation. Still nothing changed in my online account. I have made every single payment per the modification agreement since I received it, and every one was on time. I used cashiers checks from my bank and sent every payment certified with signature confirmation return. Every. Single. Payment. Was. Made. I have evidence of every payment. So why are they sending me a notice of Default? 
PHH also refuses to send any correspondence to me, they send mail addressed to my late husband. The mail is returned because the post office was notified of my husbands death. Ive sent countless emails requesting that everything be addressed to me, all are ignored. I didnt receive tax documents because they were addressed to my husband. I havent received any correspondence from PHH at all, except for this notice of Default letter. That they managed to address to both my husband and me. My payments have been made per both modification agreements, I have proof of every payment sent and received by PHH, but still they want to foreclose on my home. To them this is a great opportunity to take advantage of a widow in a vulnerable position who happens to have a somewhat valuable property. This is a scam and it absolutely should not be allowed to continue.
Consumer complaint received 2021-06-11
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: Porania, LLC (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2019-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Ok now my direct issue is with the 3 major reporting agencies, Transunion, XXXX and XXXX inwhom is constantly reporting this account inwhich I repeatedly disowned as mines. The account is obviously a fraudulent account. And of course it shall appear to be ethic and this is the problem with fraudulent accounts it take one so much time to correct inaccurate information that it's a whole different type of fraud perpetrated by the 3 major credit bureaus. Credit bureaus inwhom depends on old technology and electronic verification inwhich does not consist of actual proof of any sort. So I'm demanding that this reappearing account ( XXXX XXXX ) be block permanently from my credit files immediately, or I shall start suit against the 3 major credit bureaus inwhom is causing me so much hardship and mental distress, time and emotionally anguish. I've requested a Method of Verification into this investigated process. What is the title of the investigation employee, what's their name and inwhom did they speak with to confirm this account. What date and time did this take place. What physical documentation was presented and what physical documentation was mailed certified to substantiate your reporting of this account. If you can not produce this request then as stated within the FCRA laws this account ( XXXX XXXX ) shall be blocked and removed immediately. I'm demanding the names, times, method of communication from every single person involved with this investigation, or please remove this account ( XXXX XXXX ) immediately.
Consumer complaint received 2015-12-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I have several complaints that has occurred since my loan was transferred from XXXX to PennyMac in XX/XX/XXXX. First, on XX/XX/XXXX I received a letter from PennyMac stating I have an escrow shortage for {$9.00}. I called the XXXX provided on the letter to get clarification since my previous escrow review when with XXXX was done XX/XX/XXXX and was not up for review until XXXX XXXX and also, I received a check XX/XX/XXXX for an escrow refund and as of today my escrow balance meets the fha guideline for 2 months reserves. I spoke with a rep from PennyMac and pointed out several irregularities that appear on the letter and my online account. These items are multiply pmi payments XX/XX/XXXX when it was paid by XXXX and it was never credited back. Second, I have never missed anypayments but PennyMac continue to show late payments and charged my account and then revised the fee but never update it records to show. Third, I believe this company is not acturally maintain mortgage accounts and having customers covering their mistakes.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

I disputed some transactions for the amount {$59.00} {$9.00} {$49.00} {$19.00} {$9.00} totaling {$140.00} and the bank did their investigation and concluded that I was owed a refund and gave me provisional credit on XX/XX/2023 but on XX/XX/2023 they reversed the credit stating that the merchant refunded me on XXXX XXXX when I never did and I have copies of my statement and on that date I received two refunds for {$84.00} and {$99.00} but those refunds were for transactions made XX/XX/2023 so I want them to give me my money back totaling {$140.00}
Consumer complaint received 2019-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite several written request for TransUnion to do a reasonable investigation into this matter, TransUnion continues to report inaccurate information on my credit file. 
TransUnion is reporting an incorrect account status, pay status and account history for XXXX XXXX. TransUnion is reporting a dismissed bankruptcy and charge off status for XXXX XXXX. 
TransUnion has confirm with me by phone that they obtain information on a bankruptcy through a third party vendor known as XXXX. How is this possible? As of XX/XX/2019 there is no bankruptcy reporting on my XXXX file. 

TransUnion is also reporting and erroneous collection account from XXXX XXXX XXXX. This account does not belong to me and there is no original contract that exists between myself and this collection agency.
Consumer complaint received 2019-06-23
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. (IL)

XXXX and Equifax are reporting that I have a dismissed bankruptcy in my credit report. I shouldnt have any reporting of a bankruptcy in my credit file. I have requested in writing on four different occasions for XXXX and Equifax to conduct a reasonable investigation into this matter and to delete all reporting of dismissed bankruptcy from my public records and to cease & desist any type of bankruptcy reporting on any account. 
As of XX/XX/2019 XXXX is currently reporting a dismissed bankruptcy in my public record file. XXXX is also reporting a dismissed bankruptcy under account history and account status on a closed XXXX XXXX account. As of XX/XX/2019 Equifax it's currently listing an incorrect status and account history for XXXX XXXX XXXX closed account. XXXX and Equifax has confirmed that they have obtained public records from a third party vendor known as XXXX. As of XX/XX/2019 there is no bankruptcy reporting on my XXXX file.
Consumer complaint received 2019-06-23
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. (OH)

In XX/XX/2019 I tried to login and use Equifax, they could not identify me based on their records. I called in, still could not, they requested that I send in ID to verify my identity. I did so on XX/XX/XXXX, to this day, they still say they can't ID me if I try to log in, based on their questions and Account they refer to, they still cant. I have sent in info XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX They do not report or correct or remove items from credit reports
Consumer complaint received 2024-03-04
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-04-14
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. (SC)

I previously send in a dispute that went ignored. This time I have tracking, and will submit complaint through the CFBP. 
Please remove this information from credit report. Please block any further attempt of these accounts being reported in the further or sold an being reported from another collection agency. Please remove this information within the time frame stated by law. Thanks in advance for you help and understanding. Please send me a copy of my report to the address on file. I will attached documents to support my claims.
Consumer complaint received 2019-06-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

I had a 36-month lease with Toyota Financial Services. Due to a financial hardship, I made the decision to terminate this lease early. I returned the leased vehicle to the original dealer on XX/XX/XXXX. On XX/XX/XXXX, I paid the amount of {$3500.00}. I was told by TFS that this would be the remaining amount of monthly lease payments with a maturity date of XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from TFS stating I needed to pay them an additional {$3300.00} beyond the agreed amount of payoff. I contacted TFS by phone shortly after receiving this letter to question this additional amount. I was told that they sold the vehicle and that this was the difference in what they claimed it was valued at and what they sold it for. The representative told me that there was nothing that he could do to change that and that he could not help me.
Consumer complaint received 2019-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION (AR)

The loan company put money into my bank account which froze my bank account. Then when I tried to contact them they acted like they knew me thought it was funny and kept saying I love u. My bank account is still froze. My pay check was direct deposited into that account and I cant even touch it. So I got an eviction notice and my fines are past due so I am going to get a warrant
Consumer complaint received 2019-06-23
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: Ability Recovery Services, LLC (OH)

Never attended XXXX college. 

Im a veteran would have used my GI Bill if that was the case. 

Never signed any documents with this school. 
Requesting A legal documentation from this school
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am composing this letter to challenge the inclusion of this bankruptcy on my credit report. The dates of filing, reporting, and closure do not match up. This is particularly troubling since I have a court document clearly stating that this bankruptcy should not be reported. Additionally, the involvement of an unauthorized third party further complicates matters.
Consumer complaint received 2023-05-05
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: CITIBANK, N.A. (TX)

In accordance with the Federal Credit reporting Act this creditor has violated my rights! Under Article 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15 US.C. 1681 section 604A Section 2 it also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2018-01-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: TD BANK US HOLDING COMPANY (NC)

Im getting a loan from coumpny and they are not letting me do what i need to give to the loan coumpny to give me the loan this is not right at all i try to ask my bank to let me have full access to my online banking and to let me be able to put check in my checking account by my mobile deospt and still have not aloud me this is why i went with this bank
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (PA)

I contacted Quicken Loans to remove the hard inquiries from dates : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX was contacting us weekly for months via email and telephone giving us directives and requirements that we would continually meet, but would deny us the pre approval until we did something else. We finally told him to stop contacting us. The pre authorizing inquiries were suppose to be soft inquiries that would not effect our credit. When I contacted Quicken Loans to have the hard inquiries removed due to being mis informed of the effect of what XXXX XXXX was doing we were denied the removal. Several times during all of our contacts I asked him why he would continue to contact us if he thought we would not get approved for a loan and he would tell us that we were so close and just need to " hang in there ''.
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an  account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have send a request to AFNI demanding a CERTIFICATE OF ASSESSMENT and other relevant information. AFNI has refused to respond. I sent the letter to AFNI via certified mail XXXX XXXX XXXX XXXX XXXX. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2019-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

My mortgage was transferred to Rushmore in XX/XX/XXXX from XXXX XXXX XXXX XXXX. I have an ARM Mortgage with the original loan amount of {$450000.00}. 

There are 3 issues : 1. Payment History I was concerned about the principal and interest amount being charged by Rushmore so I asked them for my payment history. I was told they only have my history as of XX/XX/XXXX, I contacted XXXX XXXX who said that everything was transferred to Rushmore. I would like to see my payment history since XX/XX/XXXX when I first acquired the loan until today, This will allow me to see the interest rate, the principal and interest payment., All of this information is with Rushmore and I have been asking for this information for nearly 2 years. 

2. Principal and Interest The principal and interest being charged is high. When I first got the loan the interest rate was over 7 % on a principal balance of {$450000.00}. I can not remember the exact payment amount but I think it was about {$2700.00} including escrow ( this is why I need my payment history ). Today the interest rate is 6.125 % and the principal balance is {$360000.00}. Yet the principal and interest is higher than when the interest rate was 7 %. 

I will be able to provide specifics if I could get a copy of my payment history. The current calculation is wrong and is making my payments unaffordable. This has resulted in me being unable to pay. 

3. Notice of Intent to Foreclose In the District of Columbia, a Notice of Intenrt to Foreclose is typically send 120 days after the borrower has stopped paying the mortgage. Here, Rushmore the note is 45 days past due, I plan to call Rushmore to work out a plan but the Notice of Intent is premature.
Consumer complaint received 2019-06-21
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: CREDIT ACCEPTANCE CORPORATION (MI)

This company failed to comply with FCRA regulations and notify me that they have/would be/or could report derogatory information to all three consumer reporting bureaus. Despite having an address on file, references on file, an email address on file and an additional authorized third party on file they made no diligent efforts to notify me of this prior to the damages being caused. Their failure to uphold their responsibilities caused me to lose a house I was set to close on valued at {$190000.00} in addition to appraisal and inspection fees. Not to mention, they continuously attempted to draw on a closed checking account and I incurred expenses with my financial institution as a result. I attempted to see if they would remedy this by a good will gesture as I have never been in default before and this was an isolated incident but they replied with " they tried to call me and its my own fault ''. I further explained to them the circumstances surrounding the breakdown in communication and they would not reasonably reach a civil conclusion.
Consumer complaint received 2018-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (CA)

I have sent multiple emails to this address listed in this companies website. However I have had no response in trying to verify this debt. This debt has been paid and still no response that the debt was even owed to begin with. It is reporting with missing and in updated information on my credit report.