davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (UT)

In XXXX of XXXX my home in XXXX XXXX, Florida was damaged by Hurricane Irma and declared a FEMA disaster area. After over 1 year of recovery and {$160000.00} I think my house is repaired. FEMA did not offer any assistance as I had insurance and they referred me to the SBA which was quite helpful. Albeit a 3rd TD on my house at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX, my loan servicer, offered me a forbearance period pursuant to FNMA guidelines as being in a FEMA declared disaster area from XX/XX/XXXX to XX/XX/XXXX. I was granted a forbearance period for monthly payments until XX/XX/XXXX. 

After XX/XX/XXXX they want a lump sum payment of {$40000.00}. Not what they told me. 

It cost over {$160000.00} to repair my house. 

XXXX managed my repair escrow account during the process. 

They granted me and told me that at the end of the forbearance period my loan would be modified to include the foregone payments and it would be added to the principal balance and modified. 

They have now offered a loan mod. on a 20 year amortization increasing my monthly payment by {$2000.00}. That hurts. They offered counseling. Serious? 

They did not tell me the truth! When I call them they claim the call will be recorded. I have asked for the recorded audio records to prove what I was told. 

They told me the forbearance would not effect my credit. 

My FICO score has dropped from XXXX to XXXX and they report me as 180+ days delinquent. Not what I signed up for! I could not get a car loan with that FICO. 

XXXX XXXX  has reduced my credit limit on my unsecured credit line from {$13000.00} to $ {$3000.00} as they ran my credit and they were not impressed. 

XXXX is not being fair. They respond but not satisfactory. 

All my bills are paid on time. You have my permission to run my credit report. 

This is not RIGHT! 

My credit to me is very important. I complied with everything they told me. 

This is not right! 

Not sure how or if I need to upload the supporting documentation. The last conversation I had with " XXXX '' at XXXX he told me I was delinquent 180+ days and it could not be changed. How can I be delinquent in forbearance? " XXXX '' said they can't fix my FICO. XXXX! 

I made payments at the end of forbearance in XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. 

I want them to fix my credit report!!! 

I have done all I was told I needed to do. This is not fair. I did not make the Hurricane and complied with all I was told I needed to do to repair my house. What's the point of FEMA, SBA, and FNMA? It's not RIGHT! 

I want my FICO back to XXXX all I have all the back up documentation. XXXX has my correspondents also. Where do I go from here?
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (DE)

transworld systems inc. XXXX XXXX XXXX XXXX de. XXXX ( XXXX ) XXXX date assigned XX/XX/2018 has been sending me collection notices in the amount of {$98.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. this company does not have acontract with my signature. also i have not supplied proof under doctrine of estoppel by silence engel vs gravens ( mo ) 281 w 715, 719 i presume that no proof of the alleged debt nor therefore any such debt in facts exist. This account is involved in litigation
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have been sending disputes for 3-4 years trying to remove incorrect information. Each time I get verified as accurate. Thats all. No real look or investigation. I can not buy a home until this is fixed.
Consumer complaint received 2017-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (MN)

My Daughter was about 4 months behind on her home mortgage payment. 
When I found out about it. I contacted her mortgage bank. I inquired as to the amount required to bring the loan back to current status. 
The Bank XXXX M & T Bank Correspondence Address :  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The amount on the statement was XXXX $ mailed to her. 
Talking to a XXXX XXXX from M & T Bank. He told the actual amount needed to bring the the mortgage back to current was XXXX XXXX This amount includes 4 months of back payments, plus the next month payment of XXXX $ for XXXX of XXXX. 
So I payed XXXX on XXXX XXXX XXXX by Electronic Bank to bank transfer directly from my checking account. 
Each monthly payment is XXXX XXXX 

Either Friday XXXX XXXX or Sat. XXXX XXXX my daughter gets another Mortgage statement from M & T Bank. It states she owes one back payment plus the payment for XXXX. This is not correct, because the amount to bring it to current status was already paid in full. Days earlier.
Consumer complaint received 2017-10-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (DC)

XXXX XXXX XXXX XXXX XXXX has filed a foreclosure lawsuit against my property with Ocwen Loan Servicing LLC. Both Ocwen and XXXX XXXX in parity have conspired to commit fraud even responding through the Consumer Ombudsman office. XXXX XXXX the document custodian of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass through Certificates XXXX XXXX claims to be the owner, Lender and Beneficiary of the subject Loan. I contacted XXXX XXXX to verify the validity of the attached Limited Power of Attorney. XXXX XXXX VP of XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA called me back and upon asking himto verify the LPOA as XXXX is trying to collect on the DOT and forged note told me to sue them. XXXX 's attorneys at XXXX and XXXX XXXX, who have claimed that XXXX is the Lender and Beneficiary claimed that the Deed transfer occurred on XXXX from the originator the XXXX XXXX XXXX to XXXX XXXX. However since the trust is suing me the PSA nor the LPOA was attached and the XXXX XXXX was the broker, the loan was transferred the day of closing XXXX to New Century who sold it to XXXX XXXX XXXX. The title search from XXXX reveals that only the XXXX XXXX XXXX was listed and no subsequent fillings of transfers occurred until Ocwen and XXXX did an illegal substitution of Deed XXXX and appointment of Trustee between themselves. The letter dated XXXX from Ocwen to the OAG claim that XXXX XXXX is the custodian of the blank Note. This entire transaction and self appointing by the two entities fails as XXXX XXXX filed Chapter XXXX on XXXX XXXX, XXXX and could not have held onto or endorsed the Note Without Recourse in Blank to the Trust that closed on XXXX XXXX, XXXX. XXXX XXXX the document custodian of a long closed trust is foreclosing on properties with forged documents. WRONG company is NOT the answer.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX We called in again today to get a status on the HUD approval for closing. We were informed that even though we submitted documents on Tuesday XXXX/XXXX/XXXX nothing has been done on the file for the last week and has not even been submitted for closing approval. 

I was transferred to XXXX XXXX in the Escalations Department. She said she could not do anything except make sure that the closer communicated to us. She denied any knowledge of TRID. She denied any knowledge of the CFPB. She did not care that the Chase-required 72 hours for closing approval has long since passed. 

It is obvious at this point that Chase is so understaffed they are not even able to perform basic supervisory functions and train their staff appropriately. 

She then went on to question why we would schedule a date for closing when we didnt have HUD approval yet. It is obvious from this question she has no training on closing procedures for real estate transactions. 

Isnt there anyone that can do anything about the egregious lack of training and supervision at Chase?
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (CA)

RE : Credit Freeze Fee Charged XXXX by EquifaxIn XXXX, 2015 I requested a security freeze of my credit file along with a fee of {$10.00}, which is the fee for residents of California. Equifax erroneously claimed that I submitted an incorrect address and denied my request. Equifax nevertheless cashed my check. 

In XXXX, 2015 I responded to Equifax by letter providing substantiation of my address and other identifying information and again requested a security freeze of my credit file along with another {$10.00} fee. 

In the XXXX, 2015 letter I requested a refund of my original {$10.00} fee as I should not be charged XXXX for freezing my credit file. I have attached images of the XXXX cancelled checks. 

Please send me a refund of {$10.00}.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

the account ( letter attached ) has an inaccurate late reporting on my credit reporting agencies all three. 
i have received a letter from XXXX XXXX XXXX itself stating that this inaccuracy must be removed, please help me to have this removed from credit bureaus. 
thank you
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

signed up for a citibank account on XX/XX/XXXX under a promo to receive {$400.00} for setting up a direct deposit and maintaining {$15000.00}. Met the conditions but citibank isn't paying the promo.
Consumer complaint received 2018-06-07
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: Experian Information Solutions Inc. (MD)

I wrote to Experian on several occasion asking them to remove these accounts unless they can properly verify them. I receive several letters from them with different dates stating that the investigations are still pending. I wrote them more than 30 days ago regarding this matter and they still have not provided me with proper verification. 

I am trying to resolve this issue immediately. If this issue is not resolved, I will be pursuing litigation under a Civil suit and also requesting a class action suit. 

Experian XXXX Box XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XXXX / DOB : XX/XX/1970 To Whom It May Concern : Please be advised this is my THIRD WRITTEN REQUEST. 

The unverified items listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed contracts for these accounts. You are required under the FCRA to have a copy of the original creditor 's 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. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

Thank you, XXXX XXXX XXXX Account Name : XXXX XXXX Account Number XXXX Reason : Not mine. 

Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Balance {$15000.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2016-01-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (OK)

I have submitted a previous complaint about XXXX XXXX, however, I want to include Seterus, Inc in this complaint too. My home was " sold '' today and confirmed in court. XXXX XXXX is the one who foreclosed on me but they are no not my service provider. Seterus is my service provider. I never received notice of the new service provider at my home residential address. Apparently, Seterus sent notification of their becoming my new service provider on XXXX XXXX, XXXX. They sent it to my attorney who has been deceased for nearly 3 years. Now, get this, ..my home was " sold in foreclosure '' on XXXX XXXX, XXXX by Seterus ( Not XXXX XXXX ) and it is currently now " real estate owned. '' Also, according to record, I have received a Ch XXXX bankruptcy discharge on the home on the date XXXX XXXX, XXXX. I am in Chapter XXXX at moment to make XXXX XXXX and Seterus prove they have a claim to this home. I was told by Seterus there is no balance on the account and I should be receiving a XXXX showing the amount on the home that was discharged. 
How can XXXX XXXX confirm a sale today, XXXX XXXX, when Seterus was the one who was the provider as of XXXX XXXX, and Seterus sold it to another person through foreclosure on XXXX XXXX? 
Also, the document that shows XXXX XXXX used to provide a transfer of service or document of sale to Seterus is signed by well-known robo signers and also signed on XXXX XXXX, XXXX. However, Seterus is not on record as having " sold '' my home on that date, too. I believe fraud was perpetrated on the Court and on me! I have a recording of the phone conversation with the Seterus representative. I have also transcribed the call into a written format. 
I have now received XXXX discharges on this property ... XXXX in XXXX and XXXX in XXXX. Neither of these properties have the right to foreclose on me!!
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WI)

The County and Federal Courts do not report to the credit bureaus, I have sent several certified letters to Equifax asking them to delete the public records they attached to my social security number. In addition, there are freezes at XXXX, XXXX, XXXX, XXXX and several other companies that report public records, with files with my social security numbers. It is for these reasons that I know that they are lying with regards to validating these public records.I am requesting that they remove them immediately.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to investigate this account below XXXX XXXX XXXX XXXX, XXXX Auto # XXXX I don't have the full account number because this is all the credit bureaus are showing. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NV)

I was signed up on XXXX XXXX XXXX through an XXXX XXXX representative and signed up for paperless billing. Each month I received an email to pay through their online account. On the email sent on XX/XX/XXXX, the only option on the bill was to make a payment. As stated in that email, through my account I was able to access current credit limit, available credit, and important account information. I was not able to view statements through my account. I scheduled payment for {$200.00}. Suddenly and without warning an additional {$1800.00} was added to my balance on the XX/XX/XXXX email. I also noted that the email now allowed the option to view statement. Upon entering my account, suddenly there was a tab to view statements which was not previously there. I contacted XX/XX/XXXX to see if I could just pay the {$1600.00} to resolve the charge without the newly added " finance charge '' because I was not made aware that there would be a change and they stated that every email they had sent me included a link to " view statement, '' which was not the case. When I went to my account, suddenly a tab with statements appeared that was not previously there. I can not prove that the statement tab was not available on the account, as I did not anticipate this issue beforehand in order to screen shot it. Based on the information, I believe that their entire business model seems based on deceiving consumers to impose large finance charges, refuse resolution, and leave the consumer no other option but to overpay or refuse payment and dispute charges so that they could sell the debt off to debt collectors and write off disputed charges on their taxes, which would affect not just me, but the government. I attempted to reconcile by offering to pay the full {$1600.00} that was the previous month 's billing total to not move the dispute further and they refused. I've also never missed a payment and would, more often than not, pay more than double the minimum charge. I have acted in good faith with the company and in return, they withheld information from me intentionally to obtain an exorbitant financial charge.
Consumer complaint received 2017-10-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (AL)

I applied for a VA fixed home loan with BBVA Compass and mortgage loan officer ( XXXX XXXX XXXX ) has failed to comply with VA loan requirements, by charging fees I am exempt from. I am a XXXX U.S. military veteran applying for a va home loan. They have not contacted me and or even ignored my phone calls and emails regarding my VA home loan. When I call to check on the status of my loan several representatives of the bank seem to send my in a phone call circle with the end result in no information and just more people to contact just to check on the status of my loan. When I call the following phone number some company answers with the name XXXX. That company is nowhere to be found on any paperwork or documents that I have received from XXXX XXXX or the BBVA Compass bank institution. It is now XXXX XXXX, XXXX a week from the date I found a home to close on and since that time I have not heard anything but it is in underwriting. That was the status last week and that is what I was told today. I have called the bank to check and see if XXXX XXXX even works for BBVA Compass and they gave me the following phone number which I do not have from him ( XXXX ) XXXX. I have 4 phone numbers for him and that is not XXXX of them. Those numbers include XXXX, XXXX, XXXX and the supposedly company phone number XXXX. XXXX is the phone I have called a few times and it is answered by some company called XXXX if I am spelling it correctly. These people have all of my personal and financial information yet they remain unresponsive in their communications concerning my VA home loan. Every phone number I call for BBVA compass sends me through several repeated prompts that take forever to reach a person. This is not the first home loan I have applied for with this company and the process was a lot quicker, however the home was contingent upon the home inspection and was declined by me the purchaser.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I obtained the Premier Gold Amex Card which was offering Earn XXXX Points after using the new Card to make {$2000.00} in purchases within the first 3 months. 
When the account was opened I called to assure that my account was eligible for the bonus offer, I also called during the time I had the card and after I reached my {$2000.00} worth of purchases. 
After I spent the expected amount on my premier Gold Amex  the points were never issued and after speaking with XXXX a supervisor in Texas she decided not to do anything about the situation. 
XXXX cold transferred me to XXXX ID # XXXX in XXXX, Florida who also could not do anything to assist me. 
The company does want to do anything to justify the situation. 
A case # was opened with them but they are informing me that it's just for their records but they can not help.
Consumer complaint received 2021-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, Consumer XXXX XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block any information in the consumer 's report derived from identity theft. The unauthorized inquiries are as follows : 1. XXXX XXXX XXXX Transunion 2.XXXX XXXX Transunion 3. XXXX XXXX XXXX XXXXXXXX XXXX 4 . XXXXXXXX XXXX Transunion 5 . XXXX XXXX XXXX XXXXXXXX XXXX  6 . XXXX XXXX XXXXXXXX XXXX 7 . XXXXXXXX XXXX XXXXXXXX XXXX  8 . XXXX XXXX XXXXXXXX  XXXX XXXX  9 . XXXX XXXX- XXXX Transunion 10 . XXXX- XXXX Transunion 11 . XXXX XXXX XXXX Transunion 12 XXXX XXXX- XXXX TransUnion