davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

I purchased my condo in XX/XX/XXXX and XXXX XXXX  bought my loan from my original lender. Then my loan was sold to Ocwen years later. I did a loan modification with Ocwen when the crash hit. After sending them documentation numerous times over MONTHS, they finally said it was all going through. I was getting a loan modification with principal forgiveness, or so I thought. The modification was done yrs ago and all this time I thought my loan modified according to the forgiveness terms of HAMP. 
After owning my property 20 years, I sold it this week. At closing I was informed that my loan payoff was $ XXXX+ AFTER 20 years of paying on the loan which began at {$150000.00}. But then came the real bombshell. I was told Ocwen added a {$35000.00} deferred principal balance to my payoff amount. This made my loan payoff at closing OVER THE AMOUNT of my original loan 20 years ago! I WAS MORTIFIED. 
When I called the Ocwen Ombudsman department to ask about it, I was told that I didnt actually get the [ principal forgiveness ] loan as indicated and what I was told I signed. The reason they gave was that they did not receive all the necessary documents from me! I SENT THEM MULTIPLE TIMES OVER SEVERAL MONTHS! 
Anyway, I have been the victim of predatory lending and I also believe Ocwen forged or robo-signed my documents. I am a paralegal and I would have NEVER agreed to a {$35000.00} deferred principal balance.. I need help to get my {$35000.00} back that I had to pay at closing this week. I am a single mother and this has been an unbelievably stressful situation. 
Thank U for any help U can give as I am aware of the suit filed against Ocwen in XX/XX/XXXX and I want to know if my loan can be included in this recovery effort. Thank U in advance for your help in this matter!
Consumer complaint received 2018-08-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MI)

Unable to get LEIN off an account with XXXX XXXX XXXX XXXX. I was informed that I was XXXX XXXX XXXX XXXX had merge with XXXX XXXX XXXX which was purchased by PNC Bank, I am trying to sell my XXXX XXXX Boat, VIN # XXXX however, I unable to do to the fact the neither XXXX   XXXX  XXXX, XXXX XXXX, or PNC Bank has sent me a cleared title. On XX/XX/XXXX, I went into the PNC Bank branch in XXXX, Michigan and was assisted by a customer representative XXXX who told me to go home type out a letter to the bank requesting the VEHICLE LEIN RELEASE LETTER in which I went home to type out the letter. Appearently no forms at the bank. On XX/XX/XXXX, I returned to the bank in XXXX and XXXX faxed the letter to an unknown unit or entity of PNC Bank. She would not give me a direct number to the unit but said I it might take 5 days and then it would be mailed out. She suggested that I request that the cleared title be both mailed and faxed to the bank in which I did. No tracking number or anything. Today I called XXXX who gave me the number XXXX which I called and was informed that they had nothing to do with PNC Bank. Allegedly, the letter was faxed to XXXX.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2022, Fifth Third bank started charging my checking account {$11.00} per month as a service fee. I have had the account for many years with no fee. I did not agree to this charge. They refunded one month of the fee but will not refund the rest.
Consumer complaint received 2018-08-16
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I placed a call to Experian after reviewing the latest copy of my credit report provided to me by XXXX XXXX. Upon review I noted multiple inquiries that I did not authorize or have knowledge of. I called and spoke to a representative who said there was nothing they can do. That I need to contact each creditor individually and the could remove the inquiry by faxing them. As I began calling creditors they said it was the responsibility of Experian to remove such inquiries. I have placed fraud alerts on all 3 credit bureaus and I request that the inquiries that are invalidated/fraudulent be deleted from my credit report. XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX
Consumer complaint received 2018-08-16
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I went into a branch and made my payment. The account had a XXXX balance and it was just paying a annual FEE. I told the manager that I was told the money was supposed to be with drawn from my savings account which has plenty of funds to pay the 1 time {$25.00} fee they charge me a year. I told them to please pay my account and any Fees if had any. They took the funds from my savings account and said I had a XXXX balance. 2 months later they said I did not make my full payment and charged me another {$58.00} dollars and took it from my savings again and reported me late to the credit agencies.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (GA)

In violation of the Fair Credit Reporting Act, Upgrade Inc., has failed to accurately report my credit balance since XX/XX/2022. This is not the first occurrence of late or inaccurate credit reporting on my 3 bureau credit reports by Upgrade Inc. These consistent errors on the part of Upgrade Inc. have negatively impacted my credit score which is detrimental to my financial health.
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (PA)

On an annual basis, PHH requires borrowers to upload renewed insurance information. I pay my flood insurance personally, that is not included in my escrow payment. The portal that they use to upload documents seems to never successfully work ( even though it states " Document upload Successful '' ). Back in XX/XX/XXXX, I received a letter from PHH stating that I was going to be billed {$1600.00} for flood insurance since I did not upload my new policy. I did however, upload my new policy information via their portal and then once again after receiving the letter. My policies are all current. I received a recent escrow analysis stating my escrow was short. The company representative stated {$1600.00} was pulled from escrow for flood insurance, flood insurance I already showed proof of paying. I have had my loan with them since XX/XX/XXXX and they are constantly messing up my escrow balance. For the 1st two years, they could not figure out my taxes and were issuing me a check for approximately {$2000.00} at the close of the year for the overage. An overage which I fought them on numerous times, however they stated they need time to figure it out. They are now stating that even though they doubled down and paid insurance which I showed evidence of, that my new bill is substantially higher to cover that deficit. I refuse to pay anymore than what I should be paying. Thank you for your review into this matter.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Loan taken online XX/XX/2017. Began making bi weekly payments. I requested a lower interest rate as the rate they were charging was 36 % roughly. They refused to work with me. I began working with XXXX XXXX XXXX who negotiated a lower payment. When I began making the agreed upon payment XXXX XXXX or XXXX  XXXX began reporting me late with a large past due balance. I was told by XXXX XXXX i had to pay an XXXX dollar past due amount in order to make the account current. I paid that amount ... it was all applied to interest and they still reported me 90 days late ... .I have now paid them in full so the account will be closed and they are still reporting a balance owed.
Consumer complaint received 2022-03-09
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. (DE)

I have a XXXX account that Ive had since XXXX. I originally started with a fresh start program in which you can graduate to a regular card after a period of 6-9 months. Due to unforeseen out of my control issues I fell behind in XXXX and XXXX of XXXX. I called XXXX immediately addressing my concern and giving heads-up about my account. Since then Ive had clean on time payment history. I sent a goodwill letter early last year to have to late fees removed as a goodwill courtesy. And they were removed or my payment history status on my Credit report for Experian, XXXX and XXXX. Or this changed on my report due to the age of the late payments. However, they are now back on my credit report. I shouldnt be held accountable for the late payments that occurred during the fresh start program. I would like XXXX to honor my goodwill letter and have the late payments removed from my credit report for XXXX, XXXX, and Experian in which I know they have the ability to do so. All in regards to me not having any issues for the past 3 years.
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (VA)

I writing because I pull my credit on XX/XX/XXXX found out about this collection from SOUTHWEST CREDIT SYSTEM Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter ( attached letter ). They did not reply to my initial letter SOUTHWEST CREDIT SYSTEM they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC  about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals XXXX Circuit .No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre.5 ) SWC System and the credit bureaus reinsert this account which was deleted from my credit report without notifying me in writing 5 business days Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. We know that SOUTHWEST CREDIT SYSTEM are still violating FDCPA, such as using false or misleading information in an effort to collect a debt and sharing information about delinquent debts with unauthorized third parties. If SOUTHWEST CREDIT SYSTEM and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. Are I will proceed with legal matter from FCRA Attorney who has already seen major violation on this collection company.
Consumer complaint received 2022-02-07
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: JPMORGAN CHASE & CO. (NJ)

I filed a fraud alert to XXXX to remove this account off of my report. XXXX removed the account off my credit report but a couple of days later i see re added and continued to report on my credit report.
Consumer complaint received 2019-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (TX)

Company continues to call and harass about collecting a payment when the payment was already made. Company then went on to state that they can call 2 times a day and attempt to collect a payment. So when they called the 2 times so far today, both times they were told the payment was made. I am surprised that a company can do this and expect CFPB to take action against the business practice.
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this account has been switched, it is still showing on my credit report.
Consumer complaint received 2018-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

My husband transferred from XXXX XXXX XXXX XXXX to XXXX XXXX  to enable us to pursue degrees at the University of XXXX. After we completed our XXXX degrees I got a XXXX  XXXX   XXXX XXXX XXXX XXXX in XX/XX/XXXX, and my husband got his XXXX XXXX XXXX in XXXX  in XX/XX/XXXX. 

In XX/XX/XXXX, to simplify our bills, we consolidated our student debt into a FFEL loan. The loan was in both of our names, which at that time was allowed. 

When the Public Service Loan Forgiveness Program was announced we contacted our servicer and were told we had everything in order to have the debt forgiven. Every so often we called, and each time were told we were on track to have debt forgiven. 

Fast forward a few years. Our children attended college, and again we had multiple places where we needed to pay for student loans. We decided to consolidate our debt. We filled out the paperwork, but were told if we consolidated we would lose the ability to have any of our debt forgiven. We cancelled the consolidation.

Recently we realized we had made the required 120 payments and filled out the paperwork to have the debt forgiven. We received a response that no debt could be forgiven because we had the wrong type of loan. 

Disgusted, we decided to consolidate into a Direct Loan and try again. That was when we were told that it wouldnt work because my husband was not listed as the holder of the loan. All our student loan debt had been shifted to me, and I dont qualify for the Public Service Loan Forgiveness Program.

To be clear, my husband XXXX  from the military with 20 years of service, which included quite a bit of time in XXXX XXXX. In addition, he has 17 years of XXXX, most of that at a XXXX XXXX XXXX.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

all my accounts at wells fargo have neen comprimised. i have incurred overdraft charges. late fees returned payments because of the breach of my accounts. they switched cards and refunded some of the overdraft fees. i have had this happen several tomes while banking with wells fargo.
Consumer complaint received 2018-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (CA)

I was asked to pay for a debt by Chase Cardmember Services. They never gave me money for the debt they are trying to collect on. There is no first hand knowledge of anyone within the company witnessing this money being given to me. They have harassed me with phone calls, destroyed my credit, by reported false negative claims to the credit reporting agencies. On XX/XX/XXXX, they sent me a letter that they must receive payment of {$610.00} or else the account will be charged off as a bad debt. I received a notice dated XX/XX/XXXX that they sent this to XXXX XXXX , XXXX to try and collect this debt saying I owe {$2400.00}. I then received a letter from XXXX, that they are now trying to collect on this and that letter was dated XX/XX/XXXX. I then sent a response letter, certified mail with a response to stop and with questions to be answered. I never received anything back regarding this and they are continuing month after month reporting negative claims to all credit reporting agencies damaging my credit more and more. I called them today XX/XX/XXXX to try and settle this dispute but they would not settle and did not offer me a resolution.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (IN)

So I have XXXX Cases on my background check, which is correct, however the dates are not. On the XXXX XXXX XXXX XXXX XXXX its dated XX/XX/2015 when the correct date is actually XXXX/XXXX/2015.
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I received a late notice. My payment was mailed through the XXXX. The payment was lost by the post office. I informed Toyota that the payment was lost. They refused to remove the 30 day delinquent from my credit report. If you check my credit history I have never had a late credit fee or charge ever on any accounts
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (GA)

I, XXXX XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IN)

I am in the process of building my credit to purchase a new home in the midst of the pandemic as a single mother. I have been working deligently on my credit for months and was highly upset to wake up this morning to see that this company has flagged my credit bureau accounts ( XXXX, XXXX, and XXXX  ) as having an account in collections which has resulted in a 90pt drop to my credit scores! I have never done business with this company and have no knowledge of the account they are accusing me of having or company they are allegedly collecting on behalf of. I haven't received any correspondence ( be it email, mail, phone calls ) about said account and am highly upset that this has been unfairly placed on my credit report. This type of predatory behavior HAS TO STOP!
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I have been disputing this debt for over 7 months. I have repeatedly asked this company to provide proof of this alleged debt as well as the contract where they are allowed to add additional fees being that they are a collector and that is illegal under the FDCPA. I do not agree with this account and they have Never responded to any of my disputes and have not provided verification even though they have been responding to the credit bureaus that the information is 100 % accurate.
Consumer complaint received 2019-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cordoza & Wexler Recovery Services (CA)

I'm calling to report a company called Cordoza & Wexler - approximately six months ago I was harassed by this company for a debt I do not owe and I don't even know what they're talking about something to do with a payday loan and I've had a few in my lifetime and they were all paid back - the case number before was XXXX - the last time they called me they said I owed {$900.00} - now they're saying I owe {$700.00} - the person I talked to today was XXXX XXXX and I told him to stop calling this number and they had contacted me before and he blatantly lied and said we have never contacted you and then he backpedaled and said oh I see we did call you before - and you need to clear this debt - I told him no one has tried to serve me any documentation - and he said how do you know and I told him I'm home all day no one is coming to my door and that I had asked them to provide me with proof that I owe this debt before and I have never received anything so please stop calling and harassing me - I told him once again to provide documentation and all he did was talk over me - these are definitely scam artists and I just want these people to go away and what irritates me is he has my social security number. I don't know who these people are but they are horrible - I have blocked them and they keep calling so I called today to find out who they were. The last time that I reported this apparently you tried to contact them and they did not get back to you and the case was closed. I am beyond irritated with this group. The phone number that was on my caller ID is XXXX.