davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (GA)

There is currently an inaccurate item being reported on my credit report from Santander Consumer USA. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. As you can see, I have enclosed a photo copy of my mail being returned from the post office due to an invalid address. Given that the furnisher has provided false information to XXXX, XXXX & XXXX and provided the bureaus with a false address, I demand that the item they are reporting be removed immediately.
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Altisource Portfolio Solutions, S.à r.l. (TN)

I am writing this due to non-compliance with the ( XXXX XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

transaction occurred on my account that was fraud, amount XXXX and I called my bank " chase '' with in days matters and issued my claim and a day. later I was told because I log in my account and did not report right away they denied my claim and I 'm not able a refund! witch is crazy because it was not me
Consumer complaint received 2015-09-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Regarding Wells Fargo Mortgage I was injured at work on workers comp for several months. Unable to make mortgage payment. Granted forbearance for XXXX months. I inquired as to what would occur when I returned to work. Told I could resume payments and then they were modify the loan. Started payment on time and then they told me I had to make all missed payments with fees or thye would foreclose. I could not pay such a large sum but contained to make payments in full and on time. Continued to make payments then they started to send them back to me. They denied modification and have now started foreclosure. I have applied for and been denied modification numerous times, note most were denied saying I did not have enough income even though my income was the same and has now increased considerably over what it was when they wrote the original loan. I have complied with hundreds of requests for the same documents over and over and it appears the is a delay tactic so they can move forward with foreclosure seems to be a fraudulent tactic based on my research of other consumers in the same situation.
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (IL)

I sent out a 30 day notice requesting that my account be investigated for any inaccuracies. I didn't receive any correspondence regarding the outcome. I applied for an annual report and found out my account was locked. I received additional information of credit denial because of the inability to verify information on my credit report. 
I also filed a dispute regarding the following companies for filing inaccurate information : 1. XXXX XXXX XXXX - This account has been paid off in full, talk to manager who agreed to update credit file, however it still being reported 2. XXXX XXXX- I contacted XXXX stating that this account was a business account and should not be reported on my personal file. I still receive harassing phone calls for this debt, and it's still being reported on my credit file. 
3. XXXX - The information is being reported inaccurately, the current file reports a write off mixed with the current open account which is paid without delays. 
4. Quicken Loans, XXXX XXXX received derogatory information causing a denial of a request for a mortgage and/or FHA and Conventional Loan. 

I have been denied a mortgage because the credit bureaus ( all 3 credit bureau ) are reporting inaccurate and false information. There are several current accounts being reported as possible negative accounts. This has caused irreparable harm. 

The 30 day request to update my account after an investigation and accurately report my credit. Currently my credit is being reported as 38 delinquent credit reports, unsatisfied bankruptcy, and etc.,
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WV)

Loan was modified by Ocwen and taxes and insurance were to be escrowed. 

We have 3 parcels of land all on 1 deed with the house sitting on 1 of the 3. 

We find out from the State of WV that our house was sold at a tax deed sale for XXXX XXXX dollars for delinquent taxes and of we do n't immediately pay XXXX XXXX dollars our hone would be deeded to the highest bidder and Ocwen will lose their XXXX XXXX dollar mortgage they have on the home. 

This was a huge shock to us as we were under the impression the taxes were paid by the lender. We contacted Ocwen XX/XX/XXXX Here Ocwen was only escrowing the smalles of the 3 parcels on the deed. OUR PROPERTY TAXES WERE NOT BEING PAID SINCE XX/XX/XXXX. Now there are thousands of dollars in fees that need paid as well to the State of WV. This is a hige mistake on their part and whomever did the modification did not set escrow up correctly. 
I have called and called and called with no resolution. I asked for my problem to be escalated as it is a time sesitive issue. Noone knows what they are doing there. We need your help. Please.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax has violated my rights as a consumer when Equifax 's decided to reinsert an account that was deleted off of my consumer report that being a XXXX BANK XXXX ACCT. NO XXXX Equifax XXXX to notify me within the time frame that is required by law. 
FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. In light of my consumer rights being violated I request that if Equifax can not provide me with a reinsertion letter stating that this item is being reinserted ( as well as the other notification that are required by law ) in addition to a certified return receipt within the time frame allotted by law then I demand that this item be deleted immediately and permanently.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

On XX/XX/XXXX, Caliber and I signed a XXXX Payment Deferral Agreement. I have followed the agreement 100 % and make all the payments a required. 
Caliber keeps misplacing my payments and have asked for more money than the agreement requires, and still after 6 months, they have not brought my account current. 
I spoke to XXXX XXXX and open a case against Caliber.

I wanted to refinance my mortgage when rates were around 3.5 %, but was not possible, because my mortgage is still under collection and the requirement is that I have to have XXXX payments done on time. I have made XXXX payments on time plus at least an additional payment to cover a payment they could not find. 
My regular payment starting XX/XX/XXXX was {$2600.00}, but Caliber keeps changing the monthly payment. 
I can provide the payment history, so that you can see, it is all over the place. 
Thanks for the help
Consumer complaint received 2021-05-17
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. (CT)

I have contacted each bureau by certified mail and they have not corrected the unverified accounts. Here there are : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Sent 2 money order 's to pay my bill and on time Macy 's cash the money order 's and NEVER GAVE CREDIT TO MY ACCOUNT. I HAD TO MAKE AN EXTRA PAYMENT SO MY BILL WOULD NOT BE LATE ON THE XXXX OF XXXX THEN I PAID {$30.00} TO HAVE THE MONEY ORDER 'S REVIEWED TO SHOW TO WHOM.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (FL)

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 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 : it also states that a consumer reporting agency can not furmish a account without my written instructions
Consumer complaint received 2017-08-24
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Live Well Financial, Inc. (NJ)

My father XXXX XXXX XX/XX/XXXX. Before that time he took out at a reverse mortgage back in XX/XX/XXXX. Now that he XXXX the company which is called Living Well Financial contacted me and told me that I had to make arrangements to pay the loan back or they were going to start foreclosure proceedings. I feel in my heart that this company took advantage of my father because of his age and the fact he was XXXX XXXX.
Consumer complaint received 2017-08-24
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)

I disputed the account with XXXX XXXX Acct # XXXX XXXX with XXXX, Equifax and XXXX XXXX conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied with Bank of America onXX/XX/XXXX to refinance my home loan. On XX/XX/XXXX I authorized XXXX the loan representative to charge my Bank of America Credit card to pay for a home inspection and credit report. The total cost was XXXX. We still did not have any movement on this loan and never received the home inspection nor the credit reports. After three months we told XXXX that we would like the XXXX back and to cancel the loan application as it was taking to much time. He called us back and stated on the voice mail that he would put the credit back in to the card. At sometime the end of XX/XX/XXXX we applied with XXXX XXXX XXXX and closed onXX/XX/XXXX. We have been calling Bank of America for over 10 months and they have yet to return our Money. The fee for the home inspection that we never got was {$420.00} and to run our credit reports was {$15.00} each for myself and my spouse. To date we have not been able to get Bank of America to return our money. XXXX assured us that he would refund out {$450.00} when we told him to cancel the application. We never received our home inspection nor did we get our credit reports. So I paid for something that I never received.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy ( 15 USC 1681, section 604a, section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please remove the following items from my credit report, immediately : XXXX XXXX, XXXXXXXX XXXX  XXXX and XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Dear CFPB : On XX/XX/2022 I filed a formal Complaint with HUD in connection with a XXXX XXXX, XXXX  state court litigation where I discovered XXXX XXXX  and their loan servicer Nationstar concealed evidence between XXXX, including Texas Constitution documents and infirmities with my loan which according to Texas Supreme Court XXXXuthority , rendered my loan void, invalid and foreclosure ineligible at origination. 

More importantly, the HUD Settlement Statement provided undisputed evidence I was illegally charged closing costs in excess of Texas Constitution 3 % of principle limits. As a XXXX minority, I was required to pay more than {$10000.00} for closing costs on a home equity loan when I should have paid no more than {$2800.00}. The {$10000.00} closing costs included my agreement with the lender to make exterior repairs approved by the lender to obtain the loan. 

I also filed a complaint with the State of Texas Auditor to place them on notice that state courts are using state funds to render opinions in violation of the Texas Constitution. 

During previous litigations where I incurred attorney fees of close to {$200000.00}, XXXX XXXX and their loan servicer Nationstar concealed the infirmities with my home equity loan which they knew that pursuant to the Texas Constitution, was invalid, void and foreclosure ineligible at origination. 

In the current litigation, XXXX XXXX  and Nationstar defended their illegal acts to charge excessive loan closing costs on Texas Home Equity loans and refused in writing, to comply with Texas Constitution cure provisions to correct the loan infirmities. 

I recently filed at the Fourth Court of Appeals, an Amended Motion For Rehearing and Rehearing XXXX XXXX to correct the egregious errors with the Court Opinion that conflict with the Texas Constitution. 

I am attaching my HUD Complaint letter and exhibits attached to support my allegations.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

When SPS responded to the last complaint I sent on the XXXX, they sent the same exact response as their response for the complaint on the XXXX. They did not explain why one of their representatives ( XXXX ) misinformed me about my right to have a forbearance. I understand why I couldnt get a forbearance in the past and dont need to see the same information over and over again. Just directly answer the questions I raise in my complaint. I have contacted an attorney and he told me that every American has the right to a forbearance no matter the delinquency. Also, SPS is telling people to call my house everyday telling me I have to move. Especially a woman named XXXX XXXX. I am going to complain to Washington XXXX directly.
Consumer complaint received 2022-01-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

I have been contacted several times by a company that claims I owe them money from XXXX. They said they have sent numerous letters to my current address which is fakes and also lied about a job I was working at that time. I have tried to have my lawyer contact them we're all times and they don't respond to her. 

The only information they gave me was it was charged off in XXXX and the loan amount was {$500.00}.
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION (TX)

Within the past 2 months, I have tried to resolve this issue multiple times with Navy Federal and no one helps me. I called Navy Federal around XX/XX/XXXX after receiving a letter that I will be reaching my loan maturity date on XX/XX/XXXX and that my payment would be {$210.00} instead of the {$100.00} that was the original payment on the loan. I spoke with them for almost an hour. The personal finance team told me that someone would reach back out to me within 3 days because I may have been overcharged. I called back on XX/XX/XXXX and I was advised that they were still working on it. I called back again on XX/XX/XXXX and I spoke with them for 41 mins and I was advised that the reason that my payment changed was because I lost my payment protection plan. I called back again on XX/XX/XXXX, XX/XX/XXXX and spoke with them another 41 mins and on XX/XX/XXXX and still no resolution. I am upset because Navy Federal cheated me out of my protection plan. 3 years ago, I made a complaint because I had the protection plan that was supposed to kick in when I was out of work and could not pay. I called Navy Federal and let them know that I could not work ( which lasted 3 months ) due to being injured in a car accident. Navy Federal did not help me to file a claim and just made payment arrangements with me instead of servicing me with the product that I was paying for. After I made a complaint to the CFPB, they apologized for not servicing me and to compensate me, they waived my late fees which would equal up to the amount of payments that I missed. Navy Federal is now punishing me due to them making an error with their products were they should not have changed my payments from {$100.00} to {$210.00} which is more than double of my original payment. I have spoken with supervisors and several departments in order to resolve this issue and no one will help me. They all say that they can not help me even though they made a mistake that is costing me as a consumer and that is not fair.and they never informed me about the {$210.00} payment either until the end of my loan which is why I called to resolve this issue.
Consumer complaint received 2022-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (NC)

XXXX deleted my account and their entire payment website in XXXX without providing any notice or alternatives to payment. I attempted to call their customer service line twice without being able to reach anybody ( left after waiting in call queue for more than an hour ) in XXXX, and by the time I was finally able to get someone on the phone on XX/XX/22 I was informed my mortgage payment had been reported as late, even though I made the payment over the phone immediately. The reason I needed to speak with someone before making the payment was that the old website I had bookmarked to make payments with had been showing a 404 not found error during XXXX, and appeared to have been updated in XXXX to forward users to their new website. When I tried to sign in with my account information I was informed my account had been deleted and that I had to register to create a new one before making a payment. Since I hadn't received any call, email, or letter from XXXX informing me of this change I was suspicious that it may have been a phishing attempt to access my mortgage account and information. After finally reaching a real person at XXXX who could confirm that there was a new website I accessed it but was not able to submit or schedule a payment as the payment amount fields were broken and there was no button or other option to actually click on to submit a payment, so I made the payment over the phone immediately. I was assured by the same person that this had been a common issue and that other people were also having issues accessing the new website so it would not be considered late. The late payment is still showing on my credit report and after contacting them again to remove the late payment I was told they couldn't help me at all by an overworked customer service agent who rushed me off the phone immediately after waiting in the queue for 35 minutes. I have submitted disputes with the 3 credit bureaus since I believe this was an unfair business practice that probably caused many other late payments with their customers. I have otherwise never missed a payment and this unfair mark on my credit report will show up on pre-employment screens and affect my ability to relocate for potential job opportunities or refinance, buy, or sell a house.