davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute and request the correction of a late payment reported on my credit file, which I believe inaccurately reflects my credit history. The late payment pertains to my account with XXXX XXXX XXXX, account number XXXX. The bank failed to send a statement in time to establish payment. And I received a statement after 30 days past due. I promptly contacted XXXX ( XXXX XXXX XXXX ) to rectify the missed payment. Unfortunately, they provided no satisfactory resolution and failed to take responsibility for the delayed statement delivery. They suggested filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) as the only recourse. 
I believe it is unjust for this late payment to impact my credit report. It resulted solely from the bank 's failure to deliver the statement in a timely manner, despite my efforts to ensure timely payment.
Consumer complaint received 2022-02-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Motolease, LLC (FL)

Creditor Information MOTOLEASE , LLC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX MOTOLEASE , LLC is intentionally and continually reporting false information to credit bureas to maliciously cause large drops in credit scores. This behaviour has been recent with a large influx of calls for a balance already paid by the insurance company to close the account. These large drops in credit score initiated by MOTOLEASE have caused irrepairable damage financially and mentally. The creditor is maliciously and intentionally reporting charged off accounts as open with a current balance as if the account is an active accountbon the books with a payment due. The first instance was on XX/XX/2022 with XXXX. The charged off account was reported as open with a balance due and payable causing a XXXX  point score drop. The false and misinformation was disputed with XXXX and was removed on XX/XX/2022. On XX/XX/2022 Moto Lease continued with the fraudaulent reporting by reporting to XXXX that a charged off account had an open and due balance instead of reporting the correct balance of 0. This immediately caused a XXXX  point drop in credit. After XXXX removed the first instance of this false reporting. MotoLease willingly and maliciously reported false information yet again causing irrepairable damage. This fraudulent report was again disputed on XX/XX/2022. MotoLease should not have the continued ability to report false information intentionally. The responsibility and integrity of reporting true accurate information should not be held at the whim of a company using fraudulent tactics that cause harm.
Consumer complaint received 2016-05-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITYWORTH MORTGAGE LLC (NY)

Good day my I was in the process of getting a home loan from city-worth and XXXX XXXX is the loan processor I was given his information by a friend and my friend told me he was good but he 's not. My credit was n't that good and I had own money on my credit card he went and spread my information with my friend which is bad and I 'm sure there 's a privacy act against the banker or loan officer calling other ppl and given them my information it is bothering me and I have hired an attorney bout this. XXXX XXXX told them my credit score etc this is bad. The name of this bank is city worth mortgage in Va.
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (MO)

I agreed to pay  XXXX  ever  XXXX  for 10 months to payoff. I made  XXXX  payments  XXXX  {$200.00}  XXXX  {$79.00}  XXXX  {$79.00}  XXXX  {$79.00} all to  XXXX  Illinois And  XXXX  to  XXXX  collections Grand tatol {$830.00} means I over played but which amerend sent me check of  XXXX  taking it to  XXXX  tatol.       So then me   and company   agreed to pay    what I   o wed which was  XXXX  after I sent proof of payments. And I played them the  XXXX  in full now I 'm seeing on my credit report. And ever time I call they have not talked to  XXXX  Illinois yet.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

I submitted a complaint to you already # XXXX. I am attaching the letter I received from Ocwen wherein they state that the mortgage payment was increased to {$840.00} on XXXX/XXXX/XXXX and payments of {$800.00} we received after that. I am attaching a copy of Ocwens Escrow analysis dated XXXX/XXXX/XXXX that says the monthly payment is to be {$800.00} as of XXXX/XXXX/XXXX ( NOT the {$840.00} Ocwen now claims ), along with copies of the statements received from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ( after which they stopped sending statements ) which also show that the " Total Regular Payment '' for this time period is {$800.00}. which is the amount that was paid. Needless to say I am still disputing Ocwens claim that any monies are due, the attached " Cancelled Checks '' show we have paid the full amount due " Per the Statements '' we have received through XXXX/XXXX/XXXX, plus {$800.00} was paid for both XX/XX/XXXX & XX/XX/XXXX. I am willing to bet their current escrow balance is incorrect also. 

So what do we do now? I have repeatedly responded, in writing, to their " Notice of Pre-Forclosure '' letter whereby we request a " In Person '' meeting per page XXXX of their letters. The only response I have ever received is a new " Notice of Pre-Forclosure '' letter, all have been identical save for the date issued, all have been respoded to requesting a " In Person '' meeting. I have now received the same letter dated XXXX/XXXX/XXXX ( which I will respond to tomorrow, requesting a In Person meeting ).
Consumer complaint received 2017-05-20
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: Experian Information Solutions Inc. (KS)

I sold a car, a XXXX XXXX, several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around XXXX or XXXX, XXXX, in XXXX, VA. I sold it in XXXX, XXXX, in XXXX, TX. I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in XXXX, XXXX. I respectfully request your assistance in having that XXXX Loan acct taken off my records.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, 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)

Experian I had applyed for a duplex for rent and was denied do to experian NOT having info on me when ALL the others did i feel it is unfair and they need to update there system. To continue to do this is very harmful to consumers who have to pay for this transaction when they have NO INFO to offer. Please do something about this problem i can just inmagian how much money they have taken from consumers and offer NOTHING in return. 
I do have the letter the property managment sent out saying it was based on no info
Consumer complaint received 2016-04-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC (CA)

Attended XXXX. Was basically told on my last year of school that i had exhausted my Federal Loans, and the only way to continue school would be to pay out of pocket ( which I could not do ) or receive one of their Peaks Private student Loans. At the time i believed that this was for the remaining {$12000.00} of my tuition. 

This loan was filled out in my name for now over {$25000.00} with an absolutely outrageous interest rate. I feel like I am now stuck between a rock and a hard place. They want over {$400.00} a month from a fresh graduate. On top of having to keep current with my Federal Loans. 

I will basically have this loan until the day I die due to the fact that paying into it i still owe more than I did when i even started paying! 

I feel I am the victim of predatory lending and there is no way financially for me to even remotely pay this loan back at the interest rate they provided. % 16 interest. There is NO way i can pay this. 

Ive tried working with them to lower my rate and get a refinance. They will not budge due to my credit score, which is only getting worse due to THEM. 

This is going to affect my young daughters and my life forever and i dont know what to do.
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HW Holding, Inc (FL)

HUNTER WARFIELD has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. 15 USC 1692c ( a ). HUNTER WARFIELD has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting HUNTER WARFIELD to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. 15 USC 1692g ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

HUNTER WARFIELD has no proof of claim with verified, validated authenticated documentation. HUNTER WARFIELD has violated the FDCPA 1692 and is Civilly Liable according to 813 Civil Liability [ 15 USC 1692k ] and other consumer protection laws. 

HUNTER WARFIELD has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Consumer complaint received 2017-05-20
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: STERLING JEWELERS, INC. (CA)

hi i have over  XXXX  hard inquires on my credit report i did not allow anyone to do this please help! I have a very good credit report besides the unknow inquires. Ive never had a late payment or a missed payment. This inquires have a major inpack on my credit report.
Consumer complaint received 2016-06-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

My husband and I were relocated for his work. I had tried to sell our home several times but the town it is located in has become very rundown and values have plunged. We decided to rent it out, which worked for a few years but we were still having to pay in to make the mortgage payments. Finally we decided we could no longer try to keep this house, and we live across the country so I submitted the paperwork for a DIL. After 3 months, we were denied, at first Ocwen said it was because we had not missed any payments - which we had, then the story changed when I contacted Ocwen 's XXXX. I was told they reviewed the file and that it was concluded we made enough to pay the mortgage. They based this on a XXXX monthly gross income and a XXXX monthly debt..I requested they send me the guidelines that stated this was a sufficient DTI to live on. After reviewing the numbers we sent in, I noticed my husband actually forgot to include some of our debt.. so now I have to resubmit again, which I have no problem with, but I do not feel that was a legitimate reason for denial, as a family of XXXX can not make it on the numbers we were denied on. Ocwen did this before when I applied for modification of the loan back in 2010, every 3 months they were telling us we needed to resubmit information- that went on for a year before I was able to get the ombudsman to intervene. This time around though, I do not feel the ombudsman is working to help me, the consumer, at all. This is a cat and mouse game to see if they can wear you down. I would rather have a DIL than a foreclosure.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : Balance : {$1200.00}
Consumer complaint received 2024-02-29
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Kohn Law Firm S.C. (WI)

Kohn Law Firm SC XXXX XXXX XXXX XXXX WI ( XXXX ) XXXX XXXX Is trying to duplicate debt charges I repaid to them for a XXXX  credit card. Payments complete in XXXX
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I made a normal checking account bank deposit at my regular bank branch of {$5500.00} which included a check made out to me for {$4000.00}. The deposit was accepted, but then later I received a letter in the mailing saying the {$4000.00} check was being reduced to {$400.00} XXXX see enclosures XXXX. The check quite clearly says $ XXXX on the XXXX line and " XXXX XXXX '' on the XXXX line. I took this letter to my bank branch and they seemed to agree with me that {$4000.00} was correct, but then I got a XXXX letter saying they would not change it.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

On XXXX XXXX, 2015, Citizens Bank accepted documents from their customer for a loan refinance. Those documents were stolen from me by their customer and submitted to Citizens Bank without my knowledge or permission. On XXXX XXXX, 2015 I became aware of the theft and contacted Citizens Bank informing them they were not to be used in any type of financial transaction and that they were to be returned. 

Over the next five days I spoke with, emailed and left messages with XXXX XXXX, XXXX XXXX, Customer Service ( both general number and emergency rapid response ) informing them the documents were stolen and not to be used. 

Despite knowing the documents were stolen and not to be used, one week later Citizens Bank submitted them to XXXX XXXX for funding a loan. 
Citizens Bank has been asked the same question repeatedly and they have ignorantly responded over XXXX times ignoring the question. First, I did n't call you before they were stolen to speak with you because I did n't know they were going to be stolen. However, I did call within 24 hours after they were stolen to inform you they were stolen. So do n't respond by saying " you had no correspondence before you received the documents ''. It is not reasonable that I would call you before I knew the documents were going to be stolen. 

YOU KNEW THEY WERE STOLEN WHEN YOU SUBMITTED THEM TO XXXX XXXX. I do n't care what you knew when you received them from your customer. When you submitted them to XXXX XXXX you were committing Identity Theft. Give them back to me. You sound stupid when you write " I am a third party. '' They only have my name on them, if I am a 'third party ' why do you have them? You are in possession of stolen documents. Give them back to me. 
The loan you submitted to XXXX XXXX for funding is based on stolen information and according to the XXXX XXXX document contained on their website : Fraud Mitigation Best Practices Single-Family XXXX XXXX FraudIdentity fraud involves someone wrongfully obtaining and using another person 's personal data, typically for economic gain. 
The documents are mine, they only have my name, they were wrongfully obtained and both Citizens Bank and the borrower gained financially. Citizens Bank added a refinance loan to their portfolio and the borrower benefitted from a lower interest rate. 
Terminate the loan Citizens Bank submitted because Citizens Bank knew they submitted stolen documents.
Consumer complaint received 2015-06-23
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

I am a victim of identity theft and someone stole my identity and personal information and applied for a payday loan with Ace Cash Express. The payday loan account was an unauthorized and fraudulent account. I never applied or received a payday loan from Ace Cash Express. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way, I could of applied for a payday loan with Ace Cash Express, because I was incarcerated. I have attached supporting documentation.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

I was contacted by a mortgage broker that works for the company where I got a mortgage original mortgage approximately 20months ago. He asked if I was interested in refinancing to lower my payment. I told him that I really had n't thought about it because it had n't even been 24 months since my original loan. He asked if I wanted him to run the numbers and get back to me if it seemed possible. I told him that would be ok but I was n't signing anything. A couple days later I was alerted by XXXX that my credit had been run by this person. I never gave him permission to do that and when I confronted him regarding this, his reply was, well how else would I run the numbers. He said he pulled my file from the company database. I 'll repeat myself, I never gave him my social security number and I never gave him permission to run my credit and I am extremely upset about this!
Consumer complaint received 2016-04-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IN)

This is in regard to a HELOC that should have been closed at closing of selling home. US Bank is charging me {$75.00} a year for an equity line of credit attached to a home I no longer own. I requested during closing of house and was told that it would automatically be closed since I do not own the own. I then took a statement of {$75.00} to XXXX XXXX XXXX, XXXX, US Bank and asked them to close the account. They said sure not a problem. 3 years later, I am trying to buy a new home and this is still showing on my credit and I now owe {$220.00}. I 've talked to the mortgage loan department and they say I owe, however I do not have access to this line of credit. I 've talked to the USBank XXXX branch again and they keep putting me off and that I will need to pay the {$220.00} in order to close the account. XXXX at XXXX branch acknowledges that I do not have access to this line of credit since I do not own the home. My complaint is to somehow help me get US Bank to close this line of credit attached to a home I do not own. USBank insist that I pay the fee of $ XXXX year even though I do not own the home of XXXX XXXX XXXX XXXX, XXXX, that the equity line of credit is attached. 
Thank you for your assistance in getting this matter resolved. 
XXXX XXXX
Consumer complaint received 2015-06-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I contacted the B of A because I am trying to refinance my XXXX mortgage and have a lien on my property for XXXX. The Lien is actually in the name of California XXXX XXXX as it was a down payment assistance program. Bank of America has the loan ( Loan # XXXX ) and sends me a statement every month with a XXXX balance. This loan was discharged in a Bankruptcy discharge on XXXX Case # XXXX. On XXXX I asked Bank of America for a lien release on this loan. They told me it was still an active loan, I explained it was discharged in a chapter XXXX BK and asked to speak to a supervisor, they would not let me be transferred and then opened a research case on XX/XX/XXXX told me it would be XXXX days. I called every day to see if there were any notes or resolution which there were none. I called yesterday and XXXX told me there are notes on the loan from the research team but that he did n't understand what they are saying so he opened a case again and told me to call back in XXXX hrs. I have not received any phone calls from the research team or any letters. I now have XXXX business days to complete my refi.
Consumer complaint received 2015-08-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

Castle Payday Loan Inc. sent me what looked like a solicitation for a Payday loan via the USPS on or about XXXX XXXX, 2015. After contacting Castle, it seems that the solicitation was an attempt to collect on a Payday loan, which i canceled more than three years ago and for which interest continues to accrue. They also refused to provide documentation supporting the alleged debt.
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (PA)

City of XXXX. property tax dept. notified me of a refund for XXXX prior years available to me. I was given by the city all the steps to obtain this refund and notified M & T bank/ mortgager and obtain all needed documentation from M & T Bank and sent everything to the XXXX . Property tax revenue dept. I obtained lettered permission for the refund to be sent to me by M & T bank. Followed up to find process/and check was approved but notified that the check will no longer come to me but to M & T Bank per a petition filed by M & T Bank on their own after my petition was submitted. Per the city the check was made out to M & T Bank and has already been sent to them. The bank denies the submission of an alternate refund request and denies of any change in payee. M & T states they will keep the check and not sent it to me but place it into my escrow account and will do a 2017 review and lower my mortgage payments for just one year instead of returning the refund. The bank continues to deny why the switch happen and continues to deny any check received from the City of XXXX Revenue Dept. I have documentation of the approval letter from M & T giving the Dept. of Revenue permission to send the check to me. I believe this is a fraudulent move by the bank to obtain funds for property taxes for a period of 3 years totaling over XXXX dollars that has already been paid through my past and present mortgage payments. I suspect that I am not the only person to expeirence this bate and switch. The City of XXXX Dept. of Revenue and M & T bank are blaimiing each other for this event. Numerous calls to Bank and Dept. of Revenue for the City of XXXX. has not fix the issue above. I need assistance to get the full amount issued to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX