davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DE)

my email to them PHH Mortgage services dated XXXX Good Morning, Please see attached AGAIN I am PLEADING for assistance!! I have explained my situation several times. I need to keep my home but I need a temporary lower payment to be able to survive. 

I have tried to refinance but other lenders state my loan shows in forbearance and won't help. 

Ease lower my payments so I can begin to make timely, consistent payments. 

Please Help!!!! 


I am requesting executive review regarding my situation.

Prior to COVID I was finishing month 3 of modification and had much lower payments. 
I am asking to revert my payment back to that to allow my payments to be back at {$1700.00} the modifications given kept may payments making the payments hire which is contradictory to the mortgage assistance IN ADDITION... 

I have had several confusing letters one of which stated that you were working with the XXXX for additional assistance you asked for that letter, I sent you a copy and you never responded with a response regarding that program. 

While I understand you are a servicer, I am formally requesting this be sent to whomever can provide a real solution to my unique issue. 


I will also forward request to the local and national consumer financial protection bureau for next step and to open a case on my behalf to get assistance to keep my home. 

Respectfully, XXXX XXXX The CONTENT OF THE XXXX EMAIL ATTACHMENT IS BELOW : PHH Mortgage Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : I am humbly writing to ask for your assistance to reduce my monthly mortgage payments by way of a long-term modification but preferably a fully refinanced loan. During this Covid -19 pandemic I have had several factors leading to my inability to afford my current mortgage payment of {$2400.00}. The factors making this a challenge are the following : My employment was lowered then subsequently exhausted and left me without an income for close to 6 months. ( I have since gained employment but a lower salary ) My housing expenses and debt load has increased with college XXXX returning home to continue their curriculums however the household bills have increased with more family members in the house Increased debt ( * the debt is related to parent loans for my college XXXX, one is now in XXXX XXXX, one is a XXXX XXXX XXXX and XXXX a XXXX  on approved university grant so there wont be any more parent loans needed. 
Prior to Covid-19, I completed the mortgage modification and making regular mortgage payments as agreed ; using solely my income with a goal of ultimately refinancing the loan to lower the rate and payment. 
Regarding my employment, I am with the XXXX XXXX entity but now in a different division. I anticipate moving into a new role with much higher salary. There is equity in the home so a lower payment, lower interest rate and a chance to consolidate my debt would be beneficial. 
Thank you for your understanding and consideration.
Consumer complaint received 2019-11-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX  aren't including a clear disclosure of wire fees and foreign currency exchange fees to consumers. I realized that wire payments from XXXX in XXXX being converted by Bank of America were showing consistently lower conversion rates than the daily average rates for 60+ days prior to conversions being made. After fighting to get through to submitting a complaint with the Foreign Exchange department, I finally spoke with someone who explained that it's common practice and that " it's in the disclosure, but ... no one reads that ''. Not only am I being charged {$16.00} per wire which I was aware of, Bank of America is skimming 3 % of my wire total as a fee that I had no idea of. 

The banks are required to verbally disclose a number of things prior to opening accounts for consumers. Shouldn't this be included?! It's a deceptive practice that appears to be standard within the industry.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (TX)

I'm accordance with the Fair reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-07-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (CA)

Attached is the collection Agency that is trying to collect on a fraudulent student loan that was signed by XXXX college in XXXX XXXX consolers ' have tried for the last 12 years to have this matter corrected. XXXX  College went out of business because of these same fraudulent action. I have filed complaint with the federal government as well as State I even spoke to California Attorney general office who contacted me when Senator XXXX XXXX was investigating the matter. I was told that XXXX  college had broke the law and I was n't responsible for this fraudulent act. Now this collection agency keep trying to collect on this matter. Attach is the most reason complaint that was filed against XXXX XXXX  about XXXX XXXX XXXX XXXX .
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Ocwen Loan Servicing LLC is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to Ocwen, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

My original mortgage provider was XXXX or the XXXX XXXX. I refinanced my loan with XXXX on XX/XX/XXXX and I XXXX obtained a payoff quote from The XXXX XXXX XXXX XXXX XXXX and paid off the total amount. 

The XXXX XXXX  transferred my loan to The Flag Star Bank and flag star bank is calling me to collect some {$5700.00} ( approx ) and they are telling me that they will put my account in the late payment and my credit will be ruined if I do not make the requested payment. 

My loan is with XXXX and I am making payments to them. 

I explained flag star bank many times about this situation. I think they do not want to understand the situation. why would I pay them?
Consumer complaint received 2017-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation (TN)

Hello CFPB, I am writing to you about World Finance company? I am XXXX XXXX. It seems as though since I got the loan I have had problems after problems. At first, XXXX XXXX, was my worker, and he left the company? then XXXX XXXX, was my worker next and she was nice to me and worked only with Me. And she has now left the company, there are only ( 2 ) People in the office at World finance company at XXXX XXXX XXXX Tennessee, XXXX. Now every since I got the loan, I have been plagued with extra money, like XXXX more late fees charges. I was told I could send in half and pay the other part, when the date is due way before the XXXX or before then, they are sloppy and do not care about their customers. now they say you need to pay the whole loan off now? Ok I only owe {$40.00} they have called my HOme, several times. my school and my daughters and sons. Now I am just tired of them? this is no way to do business at all.? I am intending to pay them but if this tactic keeps up I will just withhold my funds from them until they quit calling here, and go downtown and file a squash motion to have them thrown out of my credit report. they do not know who they are messing with, I am partial a XXXX and I know my rights ok. this is a Bully tactic and I shall tell the Judge when he hears my case. This just needs to stop now? I see why everybody is leaving and they really should go out of business because no one is coming there anymore anyway? they are just Ridiculous? This no way to carry on in Business worlds. So the total pay off, is {$290.00} I shall remit to them soon and I never want to see any one In this company again. even XXXX XXXX left  them too. Her daughter open a XXXX and she now works for her. so you see people can move on. I do plan to pay them but I need for them to stop calling my address I am not going to pick up the phone and just leave me alone because I do intend to pay. No need for the Bully tactics they are Using, XXXX is new but she is the worst one, she needs to go back to street fighting because that is all she knows how to do, no one in XXXX tennessee is going to fight her she is just not that Interesting to Any of Us. I hope she knows that too. Be cool and leave me the XXXX XXXX XXXX alone lady.
Consumer complaint received 2024-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (TX)

I have never done business with this merchant or signed any contracts or provided payments to the merchant. Merchant has reported that they have received payment from me I have disputed the merchant multiple times and still no resolution. I am writing you to have errors corrected based on 15 USC 1681 and 15 USC 1666 .All verified information must be promptly removed. I am requesting that you remove the following : Jefferson Capital {$6000.00}
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I reviewed my credit reports and Portfolio Recovery Associates collection agency put a flag on all my credit reports. I never done business nor signed any contract or owe any debt. This is a violation of 15 US 1681, AND 15 US 6802. Remove this off my credit reports immediately..
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Experian and XXXX are reporting negative accounts on my consumer report that is ruining my reputation. In accordance with the bible a good name is above all and they are ruining other companies good faith and trust in me. In orer to provide for the common adefens promote establish justice and insure domestic tranquility and secure the liverty and posterity I demand the account of XXXX XXXX XXXX  that is being reported by XXXX and Experian be removed immediately. This account was opened in XXXX of 2020 account number is XXXX and states a balance of XXXX is owed which is fraudulent.
Consumer complaint received 2023-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

my father died. We did not know there was a second mortgage on the house. We sent the Affidavit of Succession to the first mortgage servicer. No problem. They accepted our documentation and we are paying the mortgage. I sent {$2000.00} to Rushmore Loan. The debt was only {$350000.00} then {$4300.00}. They cashed the check but it was not credited to the account. The are charging interest and other charges to the account. for some unknown reason, they sent me a refund of the {$2000.00} for the payment I sent. I endorsed the check and then they stopped payment and the bank charged me {$25.00}. I do not know what is going on with this servicer. They are making it hard for me to pay this account. They are making it so that the loan of about {$3000.00} or less is ballooning to an unaccountable amount. They are violating a lot of laws
Consumer complaint received 2019-09-24
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: Global Lending Services LLC (GA)

On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX XXXX XXXX approved loan but since I purchased the car, I no longer have access to such document*
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (NY)

I received an offer for a credit card from Discover by mail the last week of XX/XX/2019. It stated I was pre approved for 18 % -21 % apr on a Discover It card. I applied and was denied, they then told me I could accept a different card at 26 % apr. They then hit me with a hard inquiry for turning their TERRIBLE offer down. The interest percentage is WAY HIGHER than what I was lead to believe regardless of rates. I've never had a card with an interest rate that high. This is a bait and switch.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (NY)

I have requested help previously with my wells fargo account Account # XXXX in regards to a late reported to XX/XX/2020 which occurred during the unprecedented time which has impacted me. Along with that A financial accommodation was made for the late payment in XX/XX/2020 fees were waived. On the latest credit report it lists a late pay in XX/XX/2020. According to the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies. If you fail to make the correction this may make you liable for willful negligence ( FCRA 1681 )
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/22 several checks from a JP Morgan Chase Bank were mailed from a USPS collection box outside the main branch of the XXXX, XXXX  post office. 

On XXXX I discovered taht the check was fraudulently altered and deposited into another account. I filed a police report, notified the US Postal Inspection Service, and Chase.

I placed a stop payment order on all missing checks from that mailing. 

Despite being alerted to fraud, and a stop payment order, A second fraudulently altered check was presented and honored by Chase. 

After the fact, Chase advised that they did not stop payment because the check number and check amount of the original check did not match the check presented. 

Since this time, Chase has refused to say if they will return the funds, and have said it is the responsibility of the depositing bank XXXX XXXX XXXX XXXXXXXX ) to return the funds. After two months I still have no idea if I will ever get any of my funds back. 

Chase 's use of " stop payment '' is deceptive and offers no protection, as I placed a stop payment and they honored a fraudulent check with an altered payee and amount. I find this outrageous.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC. (NY)

In XXXX of 2019, i made contact with ECMC XXXX XXXX D/B/A Vice President/ Counsel with the intentions to settle the allege student loan debt by way of debt validation letter. In XXXX of 2019 ECMC sent me a threatening letter stating, they will take my earnings and money in private bank account if i don't pay up. Under duress and fear, I made payment XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 [ see receipts ] to date, ECMC reports inaccurate information, and fails to update their account. In XX/XX/2019, i made payment in full [ see receipts ]. ECMC continues to report inaccurate data, and continue to report the accounts as charge off/ failure to pay ; ECMC agent XXXX receive notice from me with correct information [ see attachment ] but refuses to correct the record. I want ECMC to stop sharing my private data and information, without my written or express authorization.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (TN)

Experian is reporting inaccurate information stating that my XXXX accounts are 90 days past due and the accounts are closed. I have disputed this information with them and they still will not correct it. How can an account be 90 days past due when it's closed?
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. The date opened is inaccurate. It's reported on XXXX as a different date compared to Experian and XXXX. The alledged debt shows as charged off, but another account from XXXX XXXX XXXX shows the exact same account number. Both companies have violated my rights. A debt validation letter was sent to XXXX XXXX XXXX in early XXXX. 45 days have passed and they have yet to send me proper documentation proving I owe on the alledged debt or showing that I have ever done business with them. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX XXXX has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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.