davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALEXANDER-ROSE ASSOC, INC. (TX)

In XXXX I was a victim of identity theft, where my deceased mother purchased an apartment with my name and initials. Then again, in XXXX in XXXX my social security and name was used to purchase another apartment without my consent. I reported police reports but the collection agency have not resolved this problem with my credit. 

Company 1 : XXXX XXXX XXXX XXXX 2 : XXXX XXXX XXXX
Consumer complaint received 2022-03-10
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: MARINER FINANCE, LLC (TX)

Mariner Finance illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by Mariner Finance.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 
Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing acting as the Servicer of this mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of HBOR law is based on Ocwen Loan Servicing Mortgage improperly and unfairly review our loan modification request for relief. We have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Ocwen Loan Servicing has repeatedly denied us help several times and we never get a single person to answer our questions honestly or directly. They always have hundreds of people pass of file amongst each other just to create motion and delays. We intend to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. Ocwen Loan Servicing Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Ocwen Loan Servicing Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX to illegally start foreclosure on my property. The Ocwen Loan Servicing Mortgage and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there no reason why Ocwen Loan Servicing should have denied our request or started foreclosure on our home.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

This account was just reported on my credit profile as collection and caused my score to drop by XXXX points. I have no knowledge of this account nor was I notified first of the debt before being place on credit profile. Please remove ASAP as is hurting my credit now. I have also reported this to the credit bureau, but haven't heard back. Please provide proof that this debt is owed by me and that you are the original creditor baring my signature. 

Thank you.
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Greetings CFPB, On XX/XX/23 I initiated a transfer of {$1400.00} using my Venmo app to pay a business account owned by the movers dropping off my belongings at my new home. 

They insisted on payment before they started unloading items, or even before I had to a chance to see them in the truck. 

I opted-in to Venmo 's XXXX XXXX XXXX '' offering which claimed that I would receive a " full refund if an eligible purchase isn't what [ I ] paid for '', because this moving company had already rescheduled thrice on me, and I was wary of the fact that they sent 1 man and his wife to unload the entire truck.

Upon all the items being unloaded, I noticed that 3 items were missing, and several more were damaged. The missing items were computer monitors that are vital to my partner 's work as a software engineer, and their absence greatly impacted his ability to search for a job after his recent layoff. A vacuum I was quite fond of was also missing. 

I estimate that the monitors are worth {$2200.00}, and the vacuum {$280.00}. I got these prices form XXXX I also estimate there was about {$1200.00} dollars more in damages to items I received, the largest of which was a headboard which no longer attaches to my bed. ( entire bed frame retails for {$2700.00} on CrateandBarrel.com ) I first attempted to reach out to the moving company, and they said they would investigate. When they offered no remedy, I filed a dispute with Venmo to partially compensate me for the damages. 

Venmo then informed me that an agent would reach out within XXXX business days to collect more evidence to properly investigate my claim. 

I was quite surprised when the next communication I received from them was an email stating that my claim had been closed and they had ruled in favor of the merchant. 

I called them again to complain and demand a chance to have my side of things be heard, and they once again said that a representative would reach out over email within the next XXXX business days, and today, I have again received an email letting me know that my claim is closed and they are ruling in the merchants favor. 

Please find attached the details of the Purchase Protection Venmo allows you to opt-in to, a police report I filed with the XXXX XXXX Police department XXXX where I moved from ) I am currently living in XXXX, and when i called the local police department, the person over the phone refused to take my police report " because I could not say with 100 % certainty that the crime took place in MI '' I am happy to provide further documentation on request
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

As of XX/XX/23 I only owed close to XXXX total on all my student loans. In XXXX I received a check from federal student aide for over XXXX dollars with no explanation. I called my loan servicer Nelnet and was told I got this as part of XXXX student loan forgiveness. When I went to pay student loan off in XXXX my student loan balance has gone up to XXXX plus with no explanation. I spent countless hours on the phone with my loan servicer and they have assured me that the XXXX dollars is mine and that the XXXX will adjust off the current balance. However Ive been responsible for payments at 7 % interest since XXXX. To date this has not happened. I currently owe over XXXX dollars which no one can explain how they came up with that #. 
Several months ago I put a complaint in at federal Student Aid : case # XXXX. After waiting months to hear back from them, I got a email saying they sent complaint to Nelnet who the complaint is about. 
Now after telling me that the XXXX was mine ( this is in all their notes of our calls ), they are saying that not all of the XXXX was not mine and I owe money back. I have asked for a breakdown of what happened and how much I owe..nothing. Meanwhile payments still due, paying for loan I already paid for. I am XXXX XXXX XXXX trying to retire, used this money to get closer to that goal. Its unbelievable that they can tell me something is mine 100 % now ask for it back with no clear explanation of how this happened or what I owe.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I received my card in the mail today and when I called to activate it they told me the card was fraudulent and that I had to reapply. They said they called the owner of the account on the XXXX of XXXX and he said he never applied for a card. They did n't talk to me so I do n't know who they talked to but they are basically telling me I have to reapply which means I get another inquiry on my report and will hurt my score. They also put me on hold for over an hour then hung up. They can easily contact me again or investigate but they simply want me to reapply again which is damaging to my financial health.
Consumer complaint received 2017-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (IL)

Hello, Once again XXXX XXXX has made a crucial error in handling my escrow funds, this is the second error they 've in the this year. I already had to file complaint XXXX when they misappropriated my escrow funds, and paid the taxes on my entire building ( vs just my unit XXXX even after I proactively went to them. They have the made same error again. 
I live in a new construction condo building, and up until recently the PIN was n't assigned. I know have PIN XXXX assigned to me by the XXXX XXXX XXXX XXXX XXXX IL ), with no tax payment due until XXXX XXXX. I have been paying {$440.00} a month into escrow specifically for taxes, with an estimated annual tax bill of {$5300.00}. XXXX XXXX just sent me an annual escrow account disclosure stating that the county tax is {$23000.00} and annual disbursement is {$26000.00}. They have now doubled my monthly payment telling me this money is owed. This figure is wildly inaccurate as I do n't have a tax balance due nor an established annual payment from the county yet, I can only assume they 're once again basing this payment on the common lot that the property was built on ( XXXX is for the entire Development and not just for my individual Unit )
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (GA)

First and foremost, Discover is in violation of numerous consumer credit laws. I used my credit card as defined by 15 usc 1602 ( l ) to enter into a consumer credit transaction with Discover. Since then, they have been sending me deceptive forms as described in 15 USC 1692j for me to pay on an alleged " debt '' when in fact, I am the original creditor and the consumer. Pursuant to 15 usc 1692c, I have informed them in writing that I wish to no longer pay on this alleged debt. 15 USC1605 ( a ) states that " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '', but in contrast, Discover has taken a plethora of comparable cash transactions ( ACH payments ) over a course of time.
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

See QWR notice of Error and Exhibits. 

My investor agreed on a reaffirmation agreement XX/XX/XXXX this was signed in court on XX/XX/XXXX and filed. The investors loan servicer failed to adjust my loan to the agreement and continued to send me monthly bills that included the bankrupcty cram down. The loan servicer changed XX/XX/XXXX and the new servicer Ocwen resumed where XXXX left off with the incorrect amount on the transfer documents. Notified Ocwen XX/XX/XXXX and did not get a response or a monthly statement unit XX/XX/XXXX I guess they wanted to make sure the 3 year statue of limitations ran out just one problem now that they got the loan amount adjusted they want more than half that principle paid at once or be foreclosed on. I never even got a letter telling me why or what happened to cause this large payment. ITS CALLED DISCLOSURE. 
I have asked for copies of all periodic monthly statements relating to my mortgage and any response to my questions to be returned or responded though the CFPB to me. I have found in the past when I have asked for information that the investors or loan servicing companies respond that they will need additional time or they will respond directly to me or my attorney but end up never completing the response in full to me or sending a attorney my response weeks later but not what I asked for. I have enclosed a permission letter from my lawyer in the exhibits and faxed a copy today to my POC at Ocwen to by pass any legal confusion if that Ocwen can communicate with me. I want to make this clear that any in the form of documentation or information should be sent back though this complaint. If my POC at Ocwen needs to contact me the letter will allow this they have my number and email on file. My goal here is to have a open line of communication and resolve some errors due to mismanagement of my loan and hopefully settle it out of court.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

After my personal information was exposed in the data breach of the Washington XXXX XXXX XXXX, I contacted each of the XXXX credit bureaus to place a freeze on my credit, as was recommended. However, Experian has refused to place a freeze on my credit, instead demanding that I send them a giant pile of documents and photocopies in first class mail to Texas, and then wait XXXX weeks to see if they felt like complying. 

I have the legal right to freeze my credit, and they do not have the right to refuse that request. They are obligated to place a freeze as requested in a timely manner, and I dont have weeks to wait, as the fraudsters who stolen my information are not going to sit around waiting a few weeks before trying to steal my identity. 

I have tried repeatedly to contact them, but there is no way to reach them. I can only access a recording recapping the instructions to gather, photocopy, and mail to them all of my personal information and identification, a piece of mail confirming my name and current address, etc., and to check back in XXXX days.
Consumer complaint received 2018-02-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (AZ)

I received a mailing stating I may be eligible for a reverse mortgage & called AAG. On XX/XX/XXXX I spoke to a XXXX XXXX & he said he would research it for me. He called me back that day & said I would not be eligible. I thanked him for his time and concluded our call. On XX/XX/XXXX I received a gigantic over night package from XXXX XXXX with AAG with numerous papers to included an agreement pertaining to out agreement for a refinance. I did NOT make any arrangement or agreement with this company. Since they did a credit check on me I already have a ding on my credit & I am suspicious that they are trying to do something to which I did not consent to. Please advise me. 

Thank you so very much, XXXX XXXX
Consumer complaint received 2019-10-01
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: Global Lending Services LLC (FL)

On XX/XX/2019 i responded to a cold call from a slaeman from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX ) i said that i would be interested in seeing what was available but made it clear i did not want my credit report pulled. I reported that i had several credit reporting apps and had a rough estimate of what my score was. When i arrived at the dealership i discovered that my report had been pulled and several inquiries were made. I never gave verbal or written permission for that to be done
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (WI)

XX/XX/XXXX in the amount of XXXX dollars owed to heights finance I have asked on multiple occasions for later pay date when I actually be to able to make payments of XXXX the date that was given to company but yet Im constantly seeing that my credit score has fallen after I have made 5 other payments. 

XXXX XXXX XX/XX/XXXX the amount of XXXX I have requested a pay off date when I can actually pay in full the declined as they interest will go up daily after the fact I have been trying to work things out to get it paid and was noted in the contract XXXX XXXX XXXX IN THE amount of XXXX financed vehicle XXXX XXXX XXXX I have been making on time payments yet make credit score has not been boosted for making the payments on time they told me it will when I first purchased back in XX/XX/XXXX yet my credit has not been moved at all as theyre not reporting to the bureaus I suppose
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My account has been overdrawn since XX/XX/XXXX. I have no used my card since due to the overdraft and even took off my recurring payment to my credit card company using their mobile. Bank of America still processed the payment although I took off the bill pay for it, and charged me an additional {$35.00} on top of all other fees. They did the same of my life insurance payment and they are still charging me overdraft fees. I have contacted them a number of times since XX/XX/XXXX, was on hold and being switched back and forth to multiple people for 2 hours straight. And still no one has helped me. I did took off the credit card payment and XXXX  still refuse to refund me my {$35.00} and I took of the life insurance payment and still the same. They are stealing money from me and expect me to pay back money for transactions I never even processed knowing I have XXXX balance in my account. They are robbing me and refuse to help./ I have complained to several supervisors who has done nothing to help me. They just transfer me back and forth. Please help I want to sue them if this continues to happen.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALTERRA GROUP, LLC (CA)

Our current Mortgage company, Alterra, is not reporting our monthly payments to any of the 3 credit bureaus for the last 11 months. 

As a result, our attempt to refinance is being stalled due to the new lender requiring a verification of mortgage payment history. 

Our current loan officer assisting our refinance has sent multiple Verification of Mortgage requests accompanied by our Signed Borrower Authorization forms. None of these requests are being acknowledged nor is anyone available by phone to give clear answers nor help us out. Formal requests were sent more than 20 days ago. 

These delays are causing missed rate locks and higher interest charges daily for the opportunity cost of NOT being able to refinance.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ XXXX XXXX in New York. I advised them I 've never had an account with XXXX and filed a complaint with XXXX directly today XXXX XXXX, 2017. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in XXXX.