davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing LLC has been misapplying our payments in order to fraudulently misrepresent that we owe one back payment ( approximately ; the figure varies randomly ). All the proof previously submitted to Ocwen and in our previous CFPB complaint proves that we have never been late or in default on a payment since our loan modification went into effect years ago. After our initial complaint to the CFPB you said we would receive an explanation from their ombudsman. We NEVER have received any explanation. On the contrary, the " ombudsman '' just attached the same documentation back to us that proves we made all our payments, with no acknowledgment of our very clear demands, no explanation of the reason for their misattribution, and no apology or compensation offered for the damage done to my credit score, my time and my health. They subject me to the constant stress of falsely threatening me with foreclosure. You at the CFPB must follow up and make sure that I receive compensation and full vindication of my financial records. You should review the case and do your own investigation, as they have failed after numerous letters and phone calls trying to get them to stop the false double billing every month. I tried to make a phone payment to them and have them apply it correctly to the XXXX bill but they said they would be applying it to the XXXX bill even though they acknowledged that the XXXX amount was paid on XXXX XXXX. By the way on the phone menu I requested the " relationship manager '' on the account. The person who answered, one XXXX, was clearly not a manager at all, even less a relationship manager, because she simply read boilerplate to me and provided no attempt to answer these questions ; on the contrary she said she had to apply the payment to XXXX as that was what showed, and said we could address any complaints to the Research Department ( this designation on the phone menu was so blatantly false that this also rises to the level of fraud ). Since there have been no results whatsoever from our bringing this to the attention of Ocwen 's " Research Department '' where they repeatedly refer us ( and who never answer ), and to their corporate administration, please review this matter and reply to us within two weeks, as this has gone on far too long ( for years ), and it is clear it will continue forever unless you take action against them.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (TX)

I have been hit with a collection in the amount of {$130.00} from a collection agency that I cant get a hold of. I have tried to call the original creditor listed on my credit report as XXXX and I keep getting sent back to a collection agency that does not answer. The collection agency number I was given is XXXX and the name of this company is Revco Solutions. This collection is negatively effecting my credit.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX Bank still reporting to ChexSystems and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to ChexSystems. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo charged me fees in 2012 for bank statements I needed for USCIS. I was trying to get duplicate bank statements online which is free but their online system was n't working. I called the bank and they said I would not be charged for the statements if they mailed them instead, They also said if I was charged they would refund the amount. Weeks later I was charged for the statements, They refused to refund the charges. They also refused to review the telephone call where I was told the charges would be refunded,
Consumer complaint received 2016-06-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Currently I have a first mortgage, with about XXXX dollars un paid. I have a home equity loan from Wells Fargo of XXXX dollars and used XXXX. It was an interest only loan ; and they also became the second holder of the mortgage. In XXXX of XXXX they matured the loan and demanded full payment. I could not pay. So after a running discussion with their staff, and my submission of documents supposedly for a modified loan, which came back in the amount of XXXX, but this on top of XXXX first mortgage clearly could not work. 
I wrote them a letter saying why, and that I was just digging a deeper hole, and would they consider an amount of approximately XXXX - XXXX dollars a month. They said flat out " no '' and based it on my gross income. Did not take into account that I am XXXX years old, and while I had a XXXX, which I no longer have. My net income is XXXX dollars, pension and social security. At first glance one says, well, he should be able to do it, but taking care of house, those expenses as well as medicines, family expenses, it would be choke tight, and after a period the loan at that amount would become delinquent and more charges would be added. I paid, without fail, the interest on this loan for over XXXX years. 
Second issue, the loan was in fact predatory, in the sense that as I remember they sought me out, and must have realized when they visited that a house I paid less than XXXX dollars, a HUD house that had been vacant for many years in a shaky neighborhood, could not have been worth the value they put on it of - {$120000.00}. They seemed to know what they were doing. Now they are threatening to foreclose. On XXXX/XXXX/XXXX, I received a notice that they were foreclosing if I could not cure the default by XXXX/XXXX/XXXX. This is not something I can do. 
In our last discussion on the XXXX of XXXX, when they were pushing me to sign the modification and insisting that I pay XXXX monthly payments of XXXX each. It was sign or not on that date! But strangely, as I talked about how I came to the home equity, and that the person who came out was looking at me incredulously. We were on a XXXX-way call, and the XXXX Wells Fargo people, each uttered, at different times, more a kind of, blurt, " write off '', it was noticed because it was not tied to any discussion that we were having out loud, meaning maybe they were having the discussion in their heads. The words were out there, and I did not ask, because I, only in recalling the discussion, thought that these utterances might be significant. 
More serious is the fact that I do not have a full sense of my legal property rights on this matter.
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Allied Data Corporation (OH)

I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2016-09-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I am contesting Wells Fargo Home Mortgage ( Wells Fargo, N.A., Wells Fargo and Co., and the Bank ) decision to foreclose on my primary residence on XX/XX/XXXX, more specifically, loan number XXXX. My mortgage servicer, Wells Fargo did not properly provide me with a written notice within five days ( excluding Saturdays, Sundays, or legal holidays ) after the Bank received my complete loss mitigation application which is mandated by Consumer Financial Protect Bureau ( CFPB ) XX/XX/XXXX mortgage rules and subsequent amendments published by not only the CFBP but also the OCC and FRB. Furthermore, Wells Fargo did not properly deny the completed loss mitigation application I submitted to the Bank. 

Wells Fargo conducted an illegal sale of my primary residence which is clearly a violation of consumer financial laws. 

Although I offered to make a partial mortgage payment, Wells Fargo wrongfully foreclosed on my primary residence. I applied for multiple loan loss modifications and Wells Fargo did not perform a reasonable review of my completed loan modification application specifically, my complete loan modification application that I submitted to XXXX XXXX on XX/XX/XXXX. XXXX XXXX also confirmed that he received my completed loan modification application on same day. XXXX XXXX, Executive Home Preservation Specialist assured me that my home would not be sold and my application would be reviewed. However, Wells Fargo wrongfully auctioned my primary residence on XX/XX/XXXX. 

I am requesting that the CFPB conduct a full investigation of Wells Fargo Home Mortgage servicing practices from XX/XX/XXXX through XX/XX/XXXX in order to uncover Wells Fargo unfair, deceptive, or abusive acts or practices ( UDAAP ). Frankly, this Bank has and continues to commit wrongful foreclose acts against not only me but also against XXXX other U.S. households. 

As the world renowned XXXX XXXX XXXX XXXX, XXXX so eloquently stated decades ago " injustice anywhere is a threat to justice everywhere. ''
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I have successfully completed a trial modification program with with first mortgage holder - XXXX/XXXX XXXX. As a pre-condition for receiving a final permanent modification, my first mortgage holder is requiring the XXXX mortgage holder - SHELLPOINT MORTGAGE SERVICING - issue a subordination agreement. Shellpoint acknowledges that its equity position is not being affected by the permanent modification nor the requirement for a subordination agreement. Shellpoint makes the vicious and unsubstantiated claim that " it is not needed. '' This claim is vicious because : Shellpoint agrees that its position is not affected AND it 's failure to issue a subordination agreement will result in the fact that I will lose my home in a foreclosure sale. Shellpoint is the sole and only reason for my inability to finalize my permanent modification agreement. Shellpoint 's actions are without justification.
Consumer complaint received 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (OH)

On XX/XX/2023, I was charged {$50.00} for fees and charges by Mr. Cooper, AKA Nationstar. I looked at the statement and saw that the charge was based on a reversal-payment on {$1600.00}. 

XX/XX/2023 - I called twice and the customer service rep was initially polite and when I insisted on reversal, the tone was hostile. They did not seem to know why there was a charge. 

XX/XX/2023 - Second call, the customer service rep said my account had insufficient amount which is not the case. I have evidence of amount in account. She suggested I call the bank to verify. Called the bank on XX/XX/2023 to verify. Bank said that there was sufficient amount to handle the charge. 

I wrote a request through their customer service line and they have not responded. Based on my earlier conversation, i do not see this company reversing the charge.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion continues to report information for collection agency that i submitted several disputes for. XXXX Collection Agency is reporting a debt that 's is not mine. Its an apt complex i never broke the lease. There was fire and as you can see on the attached information that was sent to both TransUnion and XXXX XXXX was not my fault. It clearly states undetermined and Apt complex continue to say is my fault because they do n't want to use their insurance company. I also spoke with their district Mgr XXXX XXXX. he was aware of the situation. Please have this information remove as i 'm trying to purchase a home. Thank you.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

I was concerned why my credit score dropped so dramatically. My credit score dropped from XXXX to XXXX In XXXX 2023 and remains at XXXX currently. On XXXX 2023 XXXX XXXX XXXX XXXX  transferred the servicing of my account to XXXX XXXX . I contacted XXXX, XXXX XXXX, XXXX, XXXX and Experian. None of them could provide information as to why my credit score dropped XXXX points. None of my credit reports have new accounts being opened or other new activity that would effect my score.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (IL)

I was a victim of ID theft 3 times in past year and requested and submitted all the info to have a security freeze and fraud alert placed on my credit bureau accounts. Equifax sent my credit report and all my security freeze info to an address that was not even mine. So now my info is in the wrong hands again. I spoke with XXXX people from Equifax over an hour and half and they told me that it was my fault for not reporting the correct address. All of the documents submitted had my correct address. They will not provide me with a new PIN number, and I have left 2 messages with the corporate office and received no call back.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (OR)

My home was foreclosed and sold on XX/XX/2015 with the sale price paid off in XX/XX/2015 yet the mortgage company ( Caliber Home Loans ) still shows a {$59000.00} balance on my credit report. I filed a dispute with the credit report agency and Caliber affirmed the balance still owing.
Consumer complaint received 2015-05-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

In XXXX 2014 we moved from XXXX to XXXX. Capital One was notified as we used the card for travel expenses. Once settled we had a purchase that was refused by Capital One. Upon calling we were told that the card was put into fraud status. In numerous phone calls to numerous people across the XXXX and XXXX countries we were told to prove who I was by sending Capital One copies of both sides of my Social Security card, both sides of my drivers license and a paid utility bill. I refused as this is privilege information that should not be sent to anyone. I closed the account in early XXXX 2014 and requested a statement. This was refused until I sent in the information they wanted. We had paid all statements we had received from them in full each month and the last statement we had was for XXXX. This was paid in full. We also saved all of our receipts from the trip up and paid that to Capital One even though they would not send a statement. To this date we have never received a statement or any correspondence from this company. We found out when applying for car insurance and was turned down by XXXX company that Capital One was posting errorous information to the XXXX credit companies. They have listing our account as past due and have been charging {$35.00} a month, for what we do not know. We want Capital One to prove any unpaid items to us, reverse all these late charges and fees, correct all deliquent reports to all credit reporting agencies and send us a letter of apology. Until this is completed we will pursue all legal avenues open to use.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Asset Management Outsourcing, Inc. (FL)

I contacted Nationwide Recovery about the debit owed to XXXX XXXX XXXX. I have not lived in Georgia where this was " Acquired '' since early in the year of XXXX. I do not have knowledge of this account and do not believe this is my account. I have tried in the past to clear this record up by having my insurance company pay. However the Georgia State XXXX office could not find this visit. Also Again I have not lived in Georgia since XXXX and this was listed on my credit on XX/XX/XXXX. Three years after I moved away. This is not timely in the least. I was told the debit was acquired in XX/XX/XXXX but was not listed until XX/XX/XXXX. Again I do not have any recollection of making any trips in on or around XX/XX/XXXX. I contacted Nationwide Recovery and was told there was nothing they could do to help. They stated the quickest and easiest thing for me to do was dispute it.
Consumer complaint received 2015-04-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: M&S Recovery Solutions (KS)

This number XXXX has been calling family and friends looking for us saying they want money from us for some debt and give no name as to their business or information about the matter but never have we received a call from them. When I looked up the number it was reported as a scam alert. Plus that number is not in service and goes to a XXXX voicemail service when called. The name my mom got was XXXX XXXX. She was uncertain as to the spelling of his last name. This has happened before and I do n't know how to stop it.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 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 Please remove it from my credit report.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (AR)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Inquiry Date XX/XX/2021