davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I applied for a mortgage modification in XX/XX/XXXX. It took two plus years for them to process all of my paperwork. The relationship manager said I had XXXX make XXXX payments in order for the loan to be modified, I made all payments and submitted all forms as requested. I never received anything from Ocwen saying the loan was modified, I sent several emails to my relationship manager as well as calling customer service, the last email I received from my relationship manager in XXXX stated the loan was being modified and I would be receiving payment coupons soon, what I received was a letter in XXXX stating I owed {$3000.00} dollars in back payments and the loan was modified as of XX/XX/XXXX. I asked how that was possible, I submitted all email correspondence to several relationship managers and the research department, I have proof of the payments made through XXXX as requested by the relationship manager, when requested by the relationship manager for Ocwen. My credit has been negatively impacted, my loan is in default again, and the company will not offer reasonable resolutions based on their errors, poor communication, several different relationship managers and customer service representatives handling the matter, and based on the fact I submitted all payments and documents when requested.
Consumer complaint received 2016-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

From the moment I went into loan repayment, I engaged Nelnet to find the most affordable option available for me. They put me on the lowest payment option ( not a federal program ) that extends the life of the loan and accrues the largest amount of interest. This option was absolutely in their interest, and did nothing to help me pay off my debt. I began to do research and asked to apply for one of the income-based repayment plans that are laid out on federal student loan website. They first told me that I did not qualify for any of them. 

This was incorrect ; I qualify for the REPAYE program. I 'm not certain, but assuming that they should understand these programs better than me, it was dishonest at best, and a lie at worst. It took me months to argue for moving my loan onto an income-based repayment plan. I engaged, and re-engaged for months, to only finally be placed on REPAYE this month ( XXXX 2016 ).
Consumer complaint received 2015-06-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I was a named party in a class-action suit against a former employer. My attorney was able to reach an individual settlement for the named parties, and I received XXXX checks for my share of the settlement. I deposited the checks into my personal checking account with Wells Fargo via ATM, and within the next week my account was locked as the checks were BOTH reported " confirmed counterfeit '' by the issuing bank ( XXXX XXXX XXXX ). This was back in XXXX. I called my attorney, and he checked with the other named party, and their checks went through just fine. 

I tried to have my attorney tell the defendant to cancel the checks and issue new ones. Well, it turns out that my bank ended up collecting the money from the checks even though they were confirmed counterfeit. So the defendant refused to issue new checks, since the money was withdrawn from their account. Fair enough. 

My bank refused to listen to me. I brought in the settlement documents, I called and spoke to the Manager 's Manager 's Manager 's Manager, still no luck. According to them, the defendant 's bank is STILL calling the checks counterfeit. They claim that the funds are in the process of being recalled back to the defendant 's bank account. Meanwhile, the settlement checks were reported onto my IRS transcripts, so I had to file an extension on my taxes until this whole thing gets resolved. 

Here 's my issue : Since XXXX, I 've lost my checking account, my savings account, and the few hundred bucks that was in my checking account when I deposited the checks. My auto insurance payment bounced, and then I had to pay that on the same paycheck as my car payment, and it took some time to recover. The funds are STILL in the process of being recalled, but I 'm still over here floating in the wind. Is there any way I can get this resolved? Is the defendant liable for these ( admittedly minor ) damages over the past five months? I do n't even care about suing for these damages, I really just want to get my proper settlement checks and resolve this issue for good. My attorney claims that there 's nothing more his firm can do to help ( he got his check ), but he suggested that I might hire an attorney to file a breach of contract claim against the defendant. 

I believe that the checks were reported counterfeit because the ATM faded out the ink on my larger check. I 've attached printouts of each check from XXXX 's own computer system. I 've also attached a copy of my attorney 's check, which is from the same account as my larger check. I 'm unable to make any progress with either bank, and I would rather not have to take any legal action.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

All of these names and address are incorrectly reported on my credit reprt report. Most are very old address that I have requestez to be removed. XXXX of which are not mine. 
Social security number that does not belong to me : XXXX This is in violation of 15 USC s2 A person shall not furnish any information relating to a consumer to sny cinsumer reporting agency if the person knowz or has reasonable causw ro believe that information in incorrect. 
In addition under 15 USC 1681a ( 2 ) ( 1 ) under exclusions. Right to privacy Fair Credit Reporting Act protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. 
Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Nevada XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Names : 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 of which is incorrect and I have asked to please remove.
Consumer complaint received 2022-02-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that XXXX has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, TransUnion XXXX XXXX confirmed that all items furnished on my credit report remained that is furnished from the third party XXXX. In addition, TransUnion, XXXX XXXX XXXX refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, XXXX will NOT furnish documentation that my file is permanent on freeze & suppressed.
Consumer complaint received 2023-03-19
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. (MD)

In accordance of the credit reporting act the following creditors has violated my rights by publishing my credit cards and consumer cards account as late. 
- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance of the credit Report act, 15 USC 1681 Section 602 state " I have a right to privacy ''.

In accordance of the credit Report act, 15 USC 1681 Section 604a section 2 state " Consumer reporting agencies should not furnish any account information without my written consent ''.

In accordance of the credit Report act, 15 USC Section 1666 B state " A creditor may not treat a payment on a credit card or open consumer account as late for any reason '' Therefore the credit reporting agencies such as XXXX, XXXX and Experian have violated my privacy right.
Consumer complaint received 2022-02-09
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. (GA)

I have new and updated information regarding my consumer report. 

I have previously disputed alleged accounts for XXXX XXXX XXXX XXXX XXXX XXXX, and Department of Education however, Equifax alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Equifax or any creditor possesses the power to verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX. Department of Education XXXX. XXXX XXXX XXXX XXXX XXXX XXXXk XXXX. XXXX XXXX. 

Also the following inquires must be blocked and deleted as they are not accurate : XXXX. Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-19
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. (LA)

I am complaining about your non compliance to the request I sent you about the identity theft issues I had. You have been ignoring me like you didn't receive my letters when I can actually track them and I also have proof of them. May I remind you that not responding to consumer letters are punishable by law and I have documents that can prove them.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

All of these names and address are incorrectly reported on my credit reprt report. Most are very old address that I have requestez to be removed. XXXX of which are not mine. 
Social security number that does not belong to me : XXXX This is in violation of 15 USC s2 A person shall not furnish any information relating to a consumer to sny cinsumer reporting agency if the person knowz or has reasonable causw ro believe that information in incorrect. 
In addition under 15 USC 1681a ( 2 ) ( 1 ) under exclusions. Right to privacy Fair Credit Reporting Act protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. 
Incorrect addresses : 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 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 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 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 All of which is incorrect and I have asked to please remove.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AR)

I requested a copy of my credit report after being denied credit and called the automated service to request the copy of the report that I am entitled to because I was denied. At the end of the call with Equifax I opted to purchase my credit score for {$7.00} by credit card. The amount was deducted from my checking account on XXXX XXXX/XXXX/16 and is notated by " Equifax Credit Report/ XXXX ''. 
After not receiving anything in the mail, I contacted them in early XXXX by phone to inquire about my report and score. On XXXX XXXX I received an envelope postmarked " XXXX XXXX ''. Inside was my credit report dated XXXX XXXX. 
I still have not received my credit score that I paid XXXX for and when I contacted them today XX/XX/XXXX16 I was told my credit score was mailed on XX/XX/XXXX16. ( the same day XXXX was deducted from my checking account ). The representative said that her supervisor regretted I did not get it but there was nothing further that could be done. 
I would like them to mail me, email me. text me my credit score that I paid for or refund my XXXX, I think this business is a scam.
Consumer complaint received 2020-10-17
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. (IA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2017-05-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (MD)

Fe  dLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount du e, the excess amount is a prepayment. https :  XXXX  Very truly yours, /s/  XXXX   XXXX
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (GA)

My mortgage lender did n't include any PMI on any of my good faith estimates or HUD documents until he showed up at closing. We had just sold our house that morning and wired the money to buy our new place. When I was handed the contract while we sat across the table from the seller was the first moment I noticed the payments were so much higher. I asked about why it was higher and was told that the payments went up because the home insurance and taxes had been underestimated. I still did n't see it adding up but felt forced to sign because at that point, we had no where to move back to, our old home had sold already. It was n't until I had time to compare all our old estimates did I see that PMI was never included in the good faith, HUD, or even final documents emailed the day of signing. The first time the PMI was added was at closing. I did not know it would be required to get the loan and was relying on the lender to disclose everything to me so I would know what I was getting into. Now my payments are almost % XXXX higher than any of my quotes.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXX : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

I have been approved for loan modification in XXXX XXXX 2016 through Ditech.com. 
They put me on a trail loan modification in XXXX 2016 and told me to " keep paying the trail period of {$1500.00} till till the final loan modification papers come to me and I sign it. '' Now my credit reports say I have negatives mortgage late payment since XXXX 2016. 
Ditech customer service say that " it will go away once I receive my final loan modification papers and I sign them. '' NOTE : I have been approved on the modification in XXXX XXXX, 2016 and this modification started in XXXX 2016. 
I keep calling them every month and it keeps being pushed back. Why if it 's been approved in XXXX XXXX? And it is building up my negatives on my credit reports. 
Please advise of what can be done about them not sending me final modification papers from Ditech after so many call to them and many months of waiting. 

They have actually killed all other mortgage options that are available to me. 

Thank you.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc. (FL)

I HAD AN ACCOUNT WITH FLORIDA POWER AND LIGHT WHICH WAS CLOSED ON XXXX/XXXX/2013 AMD PAID IN FULL. I SOLD THE PROPERTY ON THIS DATE AND PAID THE FINAL BILL I WAS SENT. XXXX STATES I OWED XXXX DOLLARS DUE TO BUDGET BILLING HOWEVER I WAS NEVER NOTIFIED AS THE PROPERTY I WAS SOLD I NO LONGER LIVED IN. XXXX DID NOT EMAIL NOR ATTEMPT TO CALL THE PHONE ASSOCIATED WITH THE ACCOUNT AND SENT THE BILL TO COLLECTIONS. AS OF TODAY I PAID THE REMAINING AMOUNT ION FULL HOWEVER XXXX STATES THEY WILL NOT REMOVE THE COLLECTION FROM THE CREDIT BUREAUS. 

NOTE : I WAS NOTIFIED OF COLLECTIONS VIA CREDIT KARMA.
Consumer complaint received 2020-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

After being approved for a modification on XX/XX/XXXX i attempted to make a payment online. I received a message stating unable to process online payment at this time. I received no confirmation number or email Since my payment was due i made a payment via XXXX XXXX. 

On XX/XX/XXXX the payment I attempted to make online was deducted from my checking account. 

When i called PHH mortgage i was informed there were issues with the website and or the wording of they payment denial issues. 

I asked for a refund i was informed they would have to mail me a check they were unable to refund to the how they payment was issued they could not say when but they would try to speed up the process I was refused the opportunity to speak to a manager. 

PHH mortgage advised they receive many calls about this issue I was denied a contact number for there corporate office and could only be provided a mailing address or fax
Consumer complaint received 2015-07-28
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (NJ)

I made a {$600.00} money transfer to the XXXX thru Western Union at XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ. I was guaranteed by the staff who assisted me, named XXXX that my recipient will get the money transfer in US dollars. XXXX showed me the receipt in US Dollars, but on the bottom of it is a Peso conversion, but then she guaranteed again that they 'll get it in XXXX dollars. I trusted what she said knowing little on how to read a transfer receipt. The next day my father withdraw the money transfer from a WU in the XXXX and they said that the transaction was made in PESO not US dollars. This means that my father will receive the money based on WU exchange rate which is way cheaper than getting the Dollar and have it exchange in the bank. This incident is the XXXX time that happened. After the first incident i would normally double check my transaction with the WU staff, to make sure that the transaction is made in XXXX dollars, and i did n't have a problem, Until my recent transaction with WU last XXXX XXXX, 2015.
Consumer complaint received 2016-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TN)

My XXXX Credit report states that I have a debt collection that was paid for by my insurance that I had when I was working. I had a XXXX XXXX in XX/XX/XXXX. My insurance paid these claims, and I became homeless in XXXX XXXX until XXXX XXXX. I could no longer pay rent and lost my home. I no longer have the paperwork that provides the proof that this debt was paid, because I was living out of my car. I no longer have any vehicle, I am XXXX and I have no way of providing the proof.