davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

My FHA Case number is XXXX Property XXXX XXXX XXXX, XXXX, NJ XXXX I have several issues that need to be addressed separately and under Section 6 of Respa which states each item must be addressed separately and within 20 days. It has been more than 20 days and over 60 days without PHH answering 1. My home was sold without going on the market for the required 15 days which is in violation of HUD. PHH sold a home worth {$250000.00} for only {$91000.00} and the sale was not a non arms lengths transaction. XXXX did not own the loan or have an interest in the loan so we are requesting documentation that XXXX XXXX gave PHH permission to sell the home, to process the foreclosure in their name and proof that they forwarded the proceeds from the sale to XXXX XXXX. FHA rules state -- - '' An independent third-party provider to market or conduct the foreclosure sale or Post-Foreclosure Sales Efforts, provided the Property was marketed for a minimum of 15 Days before each scheduled sale. '' An Independent Third-Party Provider is a party that conducts the foreclosure sale or additional Post-Foreclosure Sales Efforts, including marketing efforts in support of such sales under Claims Without Conveyance of Title ( CWCOT ) procedures, and who is not one of the following : an Affiliate or subsidiary of the Mortgagee ; any Entity over which the Mortgagee has significant influence ; or any Entity with which the Mortgagee has a conflict of interest in fact or appearance.

An independent third-party provider to market the Property prior to any foreclosure or Post-Foreclosure Sale Efforts or to conduct such sales to ensure maximum competition for both the foreclosure sale and Post-Foreclosure Sales.

With this property selling for 40 percent of Market Value maximum competition was not performed. 

2. We need an understanding, how did PHH/Ocwen create an assignment and assign the loan to XXXX XXXX in XXXX when the Trust, XXXX XXXX XXXX XXXX XXXXXXXX closed in XXXX and could not accept any new loans after the trust was closed. Also the loan was in default and the trust would have been in violation of REMIC law which would have voided the trust. Please should proof other than the fraudulent assignment that this loan was transferred to XXXXXXXX XXXX. Who authorized this fraudulent assignment and who authenticated this assignment. Without the assignment being authenticated PHH was not allowed to foreclose. Please verify who and How the assignment was authenticated.

3. Prior to foreclosing the PHH had to have a in Person interview prior to foreclosing. please provide proof of the in person interview as this did not occur.

4. PHH was must serve the Borrower, which is my serve that they corrected all deficiencies with title prior to foreclosing, please provide proof of service that the letter was sent 5. Please provide proof of service that PHH served me prior to foreclosure
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

Equifax left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of Equifax 's negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Attempted to request Security Freeze on XXXX web site. When directed to apply on line, simply see " loading ''. Inexcusable. When I call, receive recording indicating where to mail a request! I am sure banks do not have to do any credit requests by mail!!! 

Interaction with Transunion was immediate on the Web. 

Where is the CFPB. You are the CONSUMER protection bureau, not the credit rating agency protection bureau. Your inaction is inexcusable
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Requested in 4 certified letter with copy of my SSN, Driver license to Equifax stating these 3 company do not have authorization in writing to run my credit however equifax is refusing to remove hard inquires from my credit report XXXX XX/XX/XXXX - Spoke to XXXX at XXXX they do not my authorization in writing to run my credit XXXX XXXX XXXX XXXX XX/XX/XXXX - Spoke to XXXX at XXXX XXXX XXXX they do not have written authorization to pull my credit XXXX XXXX XX/XX/XXXX - Spoke to XXXX at XXXX XXXX they do not have written authorization to pull my credit
Consumer complaint received 2018-06-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

On XX/XX/XXXX XXXX XXXX XXXX reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and XXXX XXXX XXXX   multiple times to no avail.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

For the last 10 or so years Midland financial has been attaching derogatory items to my credit report and each time I have disputed the derogatory item and the derogatory item has been removed each time because Midland could never validate the debt. I also sent them a certified letter asking them to validate the debt and send me a contract, etc with no reply. 

Fast forward to the present. I noticed that a little chunk of money was being deducted from my check. I initially assumed that it was due to me changing my health plan. Well, under further investigation I confirmed that it is a wage garnishment from Midland. It has to be a default judgement because I was not aware that there was a court date or a lawsuit against me. The suit is for {$2500.00} I currently do not have nay documents. I did not even receive notice from my employer. MI contacted my employer and they are going to send me whatever documentation they received.
Consumer complaint received 2020-10-08
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. (PA)

I received a confirmation ( # XXXX ) letter dated XX/XX/2020 from Equifax regarding XXXX XXXX XXXX ( Account # XXXX ) informing me that my dispute for inaccuracy and incomplete information regarding was complete. 

In the letter ( pg. 3 attached ) it is noted by Equifax, the date of last activity has been updated. In the letter ( pg.4 attached ) the date of last activity field is missing the information Equifax stated was updated. 

I have previously asked them to remove account due to inaccuracy, which is now required by law, under the FCRA Sect 611. Request for immediate deletion of account from my credit file due to unverifiable information, per FCRA Sect 611.
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Commenity Bank calls me numerous times a day under different numbers, as well as blocked numbers that show up as unknown and no caller ID. I explained my situation to them a few months ago, that I am unable to make a payment currently, but they continue to harass me. I continuously get no caller ID calls and when I answered, I was hung up on. I received one more call and the person on the line hesitated to answer me, then finally did when I asked them to stop harassing me. This is happening up to six times daily, for the past 4-5 months.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc. (WA)

my account was frozen for what was supposed to be XXXX XXXX because I accidentally used the wrong ccv number and it locked for XXXX XXXX I've tried XXXX times to contact XXXX to get the issue resolved and they did not help they gave me phone numbers that didn't work and then when I tried to contact payfare I couldn't find a number that was directly linked to them I have money in the account that I can't use I can't even transfer it to my actual bank account
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (UT)

On XX/XX/XXXX I attempted to reset my XXXX password. XXXX is not emailing me a link to reset my password and I am un able to use my previous password. I have emailed them multiple timesand have filed a complaint with them and they only respond with an automated email. They have not resolved the issue are are not allowing me access to my funds or tax information. They have no live support and I need access to my money and funds.
Consumer complaint received 2018-01-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DRB-40, LLC (OH)

On XX/XX/2018 at XXXX XXXX, my cell phone received a missed call from XXXX. The caller by the name of XXXX left a message on my voice mail stating that he was trying to contact me on behalf of a person known to me, concerning a job recommendation. The caller left a phone number of XXXX extension XXXX and stated his name was XXXX. 

I first called the person known to me and was informed they are employed and were not looking for any job recommendations. 

I then called XXXX the female that answered, stated it was Diversified Recovery and asked if I was calling about the person known to me. I informed the person to remove my phone number from their list of people to call.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

A collection agency named XXXX is reporting that I have an outstanding balance owed to XXXX XXXX XXXX for {$2000.00}. This is completely wrong. I have disputed this balance with the three credit bureaus multiple times, but they continue to report an incorrect balance. I am attaching my final settlement sheet from XXXX XXXX XXXX, from when I moved out, and my balance was only {$470.00}. So either the apartment community or the collection agency is trying to extort money from me that is not owed.
Consumer complaint received 2016-02-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK (AZ)

have an ongoing case ( XXXX ). I am a victim of a fraudulent car loan. The vehicle I purchased throu h have Gateway One Finance is a Lemon vehicle and is not sellable. The partial response received from Gateway One through CFPB was the first written response to my situation with the lender. I was told as I stated in my previous complant filing by XXXX at Gateway One that they do not send written notification of a fraud investigation and their findings to their customer. In Gateway One 's response, they sated that they have been reporting to the credit bureau that my account in a dispute status. This is absolutely not true. This instuition is now damaging my credit report by reporting late payments. The statement that the representative wrote in response to my CFPB complaint is about reporting dispute status is just another deceptive practice used by this institution and is steadily causing damage in my financial and credit situation.
Consumer complaint received 2018-01-26
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: WELLS FARGO & COMPANY (CA)

Wells Fargo Opened a fraudulent loan under my name and social.I 've attempted to resolve the issue with Wells Fargo several times but have gotten nothing but the run around and a extremely unfair investigation. 

Wells Fargo has failed to properly Idenitfy me and has failed to ask for documents that would prove the validity of my claim. The refuse to look at information that is given and continue to assign the file to the same negligent investigator. 

The have discriminated me and slander my name and affect me and my families ability to gain job or credit due to a bogus fraudulent account that they continue to report. They continue to ignore all material information and facts that I have that would resolve the claim in my favor.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A collection agency named XXXX is reporting that I have an outstanding balance owed to XXXX XXXX XXXX for {$2000.00}. This is completely wrong. I have disputed this balance with the three credit bureaus multiple times, but they continue to report an incorrect balance. I am attaching my final settlement sheet from XXXX XXXX XXXX, from when I moved out, and my balance was only {$470.00}. So either the apartment community or the collection agency is trying to extort money from me that is not owed.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

I use XXXX XXXX, which helps me get some money from my next paycheck as I earn it because bills do n't necessarily fall perfectly around my pay schedule. I live paycheck to paycheck as it is. But PNC bank barely reports my account information on a weekly basis. They 're supposed to do it as requested, and I 've authorized them a bunch of times already. They do this with the bill paying app I use, too. This causes my balances to be always wrong and throws off everything.
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (CA)

I received a letter from LVNV funding stating that they had purchased a debt from XXXX. I told them I have never heard of such a debt. The first time they called and I stated I would like them to " Cease and desist '' as I had no idea what this was. 

The second time they called, they asked if I had received the notice they sent. I stated I had no knowledge of the debt. The lady then asked if I would like to resolve the debt or if I would like her to " put a lien on everything I own ''. At that point I hung up
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX of 2020, I settled my credit card with TD Bank. I received a letter confirming my settlement and the amount of settlement was {$3100.00} to be paid in 3 equal payments of {$1000.00} with first payment due by XX/XX/XXXX, 2nd payment due by XX/XX/XXXX and 3rd payment due by XX/XX/XXXX. All three payments were made as agreed by the due date. As per office of admin recovery call I received today, TD decided to go ahead and sell the remaining balance to a collector and charge it off. Attached are the settlement letter and proof of 3 timely payments
Consumer complaint received 2021-01-20
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: CMRE Financial Services, Inc. (TX)

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX XXXX XXXX  CMRE Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Receivables, Inc. (GA)

COLLECTION RECEIVABLES I HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$370.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America contacted me in early XXXX, 2017 and told me that there was fraudulent activity and someone had cashed 3rd party checks in my name against my account. These checks were written on XXXX XXXX ( a company the XXXX XXXX I work for has done business with in the past ) payroll checks. The checks were made out to me ( XXXX XXXX ) with my address and a signature on the back that looks very much like my own. Once XXXX XXXX learned of the fraudulent checks, they stopped payment which caused Bank of America to withdraw the money from my personal account to cover the checks ( approximately 2,000 - I am a single mom and that is quite a lot of money to me! ). I filed a police report and the XXXX County ( Georgia ) detective told me that he sent a subpoena to Bank of America requesting the video footage and other transaction information - he says that Bank of America replied that they can not 'locate any transaction information '. The detective told me there is nothing he can do if Bank of America is not willing to send him what he has requested. Meanwhile, the Bank of America Fraud Department has denied my claim stating that I authorized the third party to cash the checks. They have not proof of this. There is someone walking around with my money, my bank account information, my name and address and Bank of America is unwilling to help me. I don't know what else to do.
Consumer complaint received 2017-11-16
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: EQUIFAX, INC. (SC)

XXXX student loans keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.
Consumer complaint received 2021-06-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (OK)

Sent validation letter to XXXX XXXXXX/XX/2021. Received letter from Creditor XX/XX/2021 stating could not investigate my dispute. Creditor keeps selling loan to different collection agency. 3rd collection letter received from different collection company XXXX XXXX. Agreement and signature not provided.
Consumer complaint received 2018-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I submitted a loan modification package and then once I found out that I was denied I appealed. I was never sent denial letter initially. Wells Fargo then attempted to proceed to sale but my attorney wrote them a letter an started the appeal process. Once the process began Wells Fargo requested a list of documents to verify income. All of the documents were faxed within the 8 days before sale with most of the documents faxed 12-15 days before sale. The last document did not go through on Wells Fargo 's fax and was refaxed on XX/XX/XXXX. Wells Fargo requested this documents which is evidence of support payments between the borrowers but it is an unnecessary document because Wells Fargo is considering all of the borrower 's income. The bank required the submission of proof of self employment income from the borrower that was making the support payments. In addition in the reinstatement interview it was never asked nor represented that the borrower and spouse are not currently living together. The support payments are not from an outside source and all the income in the household was presented. Wells Fargo has a full package and they had it timely and they are refusing to review the package for a modification. Wells Fargo is requiring unnecessary documents and is not complying with Regulation X with regard to my loan