davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Since this company took over my loan after I refinanced, it has been nothing but headache after headache. After assuming my mortgage not only did they make it more difficult to pay my bill online by trying to get me to agree to illegal servicing fees that they are currently in a lawsuit with 33 states for illegally charging their customers, after signing up for auto-pay to bypass this fee, they now are not accruing for my payments accurately stating i'm past due on payments, when I have bank account statements stating I've made payments. I called to report this error on XX/XX/XXXX after I saw the payment removed from my bank account, but XXXXHH portal showed me as past due. I spoke with PHH agent XXXX ID # XXXX who assured me my payment was processed, but could not explain why the payment amount I submitted was under 'Other ' vs capturing the additional payment I made towards my principal amount, nor did he know why the app and website showed me as past due and late on my payment. I called again on XX/XX/XXXX after not hearing from XXXX, and spoke with XXXX ID # PGA, who informed me XXXX was still looking into the issue, and would followup within 24-48 hours, and that the payment was not applied correctly but to rest assured they would fix this. I have a low-level of confidence in a company that has deceptive practices that don't allow good customers who pay their bills on time to trust it will be processed in an efficient and effective manner. We're now going on to call three with them for an automatic payment process that should not cause this many headaches & hope their faulty payment system doesn't accidently cause a customer to default on their mortgage because of a system error on their end. I demand for PHH to stop these deceptive practices and implore the CFPB to investigate this company especially given recent lawsuit activity in the deceptive practices they are subjecting their customers to.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (PA)

My mortgage originally came with attached private mortgage insurance ( PMI ) payments. My loan documents state that once the loan-to-value ( LTV ) ratio reaches 80 % I ( as the borrower ) am able to request PMI removal. Since, I made additional principal payments I requested PMI removal when my LTV ratio fell below 80 %. After, initially refusing to acknowledge that PMI could be removed on a conventional loan ( Loan Amount was XXXX and issued in XX/XX/XXXX ), my lender denied my request for PMI removal on XX/XX/XXXX. 
The stated reason for denying my request is " You have the right to request early cancellation of your PMI on or after either of these dates : When the principal balance of your loan is first scheduled to reach 80 percent of the original value of the property. Your loan is scheduled to reach 80 percent of the orignal value on XX/XX/XXXX or When the principal balance of your loan reaches 80 percent of the original value of the property based on actual payments. Based on the actual payments made your principal balance has reached 79.86 percent of the original value. '' Thus, the lender is arguing that my LTV ratio now has to somehow reverse back above 80 %, which is only possible if I literally rescind previous payments. Based on their complete lack of understanding of the way a mortgage operates, my loan balance would need to be higher in order to have PMI removed. I am just flabbergasted at the level of incompetence and am at my wits end.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (IN)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL (AR)

I have a joint account with my daughter on 2 XXXX XXXX credit cards ( one is Car Care and other is XXXX XXXX XXXX   ). I am the primary account holder. My daughter is filing bankruptcy and had to list these 2 on her debt. The company has closed the account which I understand. I want to try to keep my credit intact, so went online to make a payment and they have denied online access. I called Synchrony and explained that I was definitely paying the balances since I am responsible for the debt. They then informed me that they have considered the account charged off. Advised them I didn't want that -- I want to continue paying the amounts owed. They also said I no longer have a " due date '' because of this. I would have to mail in the payments to them from now on. Advised them I didn't have a statement, and they are refusing to send me statements! I told them so I have to continue to send in payments BLINDLY not knowing my balance, what I consider to be a " due date '', or how much of my payment is going to principal and how much to interest. I can call each month, but that gives me no WRITTEN documentation of payments, balances, interest/principal payments, etc. Would this not be a violation of the Fair Credit Bill Act which states that creditors must send statements? Does say within 14 days of due date and they are saying there is no longer a due date, but I feel this is still a violation of this Act.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MD)

I have a XXXX XXXX Rewards Card ( XXXX  ). I ordered gift cards with my points to be used for XXXX gifts. I was told by a representative by phone that my order no. XXXX was mailed to me on XX/XX/XXXX. After two weeks and no cards, I called to find out what could be done. As XXXX was approaching I had no gift cards. On XX/XX/XXXX replacement cards were mailed out, order no. XXXX. To date I have not received them. I have inquired about tracing the cards to be told that its not possible. I have spoken with our postmaster about the situation. The only conclusion we can come up with is that someone is aware of the mailing envelope and they are being stolen along the route. I continue to receive a paper copy of my bill every month and other advertisements to the same address. 

Today I called the rapid rewards bureau asking about a guaranteed mail delivery and was told they only use first class for gift cards. I also asked to have my XXXX pts. refunded to my account only to be told the situation has to be reviewed. 

I am totally frustrated with this program and reaching out for some help. XXXX
Consumer complaint received 2021-06-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (KS)

I took out a {$150.00} title loan years ago. I paid {$100.00} the following month leaving a {$50.00} balance. 
The transmission went out and was towed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They informed me the bill was {$350.00} plus {$75.00} per day for storage. I only paid {$200.00} for the XXXX  XXXX. Im on XXXX XXXX XXXXXXXX and could not afford that. 

Only oweing {$50.00} to the title place I called them to inform them of my unfortunate situation, they got really rude! Their response was THEY DONT CARE! 

6 Months ago they tracked down my phone number. 

For 6 months straight 3 to 4 times a day they call and threaten me saying I owe them close to {$1900.00}! I asked please stop jamming up my phone like that. 
Their response was, we are not going to stop until you pay us money!! 

My XXXX phone bill shows every call, and now they are using a software on me disguising their number! 
I am so tired and sick of it. I do not want to change my number and feel I shouldn't have to. 
I took some legal advice and found out they can be fined up to {$500.00} for each time they called me. That would be my last straw! I wish they would please just stop!! 


It is Loanmax Title Loans in XXXX Kansas
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation (VA)

I received a bill from the Nationwide Credit Corporation ( NCC ) stating that I owed {$100.00} to XXXX XXXX XXXX XXXX XXXX program for service date XX/XX/XXXX. I immediately responded to NCC denying this charge and sending them documentation that I did not use XXXX 's services for the XXXX school year as my son was in Middle School, where services are not even offered. In addition, the amount they quoted was not even the correct amount that XXXX charged for those services. 

XXXX XXXX schools are dubiously known for their discrimination against minorities. This is another attempt for them to extract fees from a single XXXX parent. 

I emailed the NCC administration twice ( XXXX and XX/XX/XXXX ) of their error and I received another call this week. I told their customer service representative about my email and she acknowledged that the NCC has received my email. However, she could not explain why they were still contacting me at XXXX. 

The NCC is a crooked organization. They are attempting to charge me for services I never received nor agreed to. They can't produce any documentation where I agreed to a service charge nor can they show that my son received any services for the XXXX school year. 

I am requesting that the NCC remove my name and this debt from their records immediately. I am also requesting that they do not contact me about this matter again. 

Please help in stopping this unlawful, discriminatory and unethical attempt by NCC to collect unearned fees from a taxpayer.
Consumer complaint received 2021-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i XXXX XXXX have tried on several occasion to resolve my issues with Transunion everytime i file a CFPB report they keep using a stall tactic and stating that they need verification from me to proceed this is very frustrating and i feel like i am being taken advantage of. There are 3 accounts that are being reported on my credit report that i need removed which is XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX BECAUSE MY CONSUMER RIGHTS HAVE BEEN VIOLATED, I HAVE SUBMITTED AN AFFIDAVIT OF TRUTH AND GOT IT NOTORIZED THIS IS THE LAST CHANCE I AM GIVING TRANSUNION TO FIX THIS ISSUE BEFORE I SEEK LITIGATION, I NEED THOSE 3 ACCOUNTS LISTED ABOVE REMOVED PERMANENTLY FROM MY CREDIT REPORT.
Consumer complaint received 2021-06-07
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: CITIBANK, N.A. (CA)

Citibank NA / The Home Depot is reporting a charge-off account to XXXX and XXXX that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Consumer complaint received 2023-04-06
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Over the past 6 months Ive contacted TransUnion over 107 times. Ive provided documentation to them that validates my claim that the information pertaining to a Bankruptcy listed is invalid. I was advised by representative XXXX that TransUnion contacted via telephone the bankruptcy court and verified the inaccurate information, after conversing with XXXX at the court she advised that this was incorrect as the courts does not verify said information. I was even provided a letter which was provided to TransUnion. I additionally contacted XXXX, XXXX and XXXX who too confirmed they had not verified any data. In contacting TransUnion again, representative XXXX advised that they closed the dispute because they had previously verified it despite the existing new information. 

My name, address, date, type, amount are all incorrect. TransUnion also erroneously has accounts listed as a part of the bankruotcy that are not. Note none of this is an issue with the other bureaus
Consumer complaint received 2021-09-23
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: Nelnet, Inc. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

2. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.
Consumer complaint received 2019-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (MI)

I noticed an increase in unknown calls, private, unavailable calls, calls from numbers I did not recognize starting in XX/XX/XXXX. I started keeping track of the numbers in XX/XX/XXXX and did some research and found two repeated numbers belonging to Convergent outsourcing Inc . They have called me on my home phone number and cellphone. I started to keep a log of the calls received XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
I mailed a do not call letter - certified mail return receipt, which they received on XX/XX/19 - but they still kept calling. I called and have talked to them several times and told them to do not call me - but they still keep calling. 
I filed a lawsuit against them for violating the TCPA act and they received it on XX/XX/19 but they still keep calling. They continue to violate the TCPA by continuing to call me on my cellphone without my consent : I am not their debtor, and they have been notified in writing, by phone calls and by a lawsuit to stop calling but they still continue to call. I will be filing a second lawsuit on XX/XX/19 for the continued violations of the TCPA act and FDCPA compliance.
Consumer complaint received 2018-02-10
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: Bread Financial Holdings, Inc. (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX/XXXX XXXX with a balance of $ 2000+ is fraudulent and I wish to have it removed. 



XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-06-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I have been trying to get the loan modification paperwork to my lender but they continue to delay my review. On XX/XX/XXXX I made a 3 way phone call with my counselor XXXX XXXX to answer 3 questions that they had. They were if i could resume making payments, if I could afford my currently monthly payment and if I was living at my residence. After calling them today for an update they are advising they misplaced the information. How can you misplace a recorded phone call. 


I am just trying to save my home and I need help not another excuse or provide information that their representatives failed to file correctly!
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

According to my credit report i have a Sears CC since XXXX ( see information below ), but i don't recall ever opening a cc for this store. I don't really shop at Sears. However, the CC still shows in my report. 

SEARS/CBNA Account # XXXX Balance : {$0.00} Opened : XXXX
Consumer complaint received 2021-02-02
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. (GA)

I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports (  Experian, XXXX  and XXXX, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

XXXX XXXX XXXX transferred me to XXXX XXXX  telling me that they were XXXX XXXX XXXX. I then provided private information to XXXX XXXX  with the understanding that they were XXXX XXXX XXXX XXXX I was later told on the phone that I was not actually speaking to XXXX XXXX XXXX anymore and the rep was actually with XXXX 

They transferred me to another company to which I unkowningly provided private information. This is not OK!
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

There is an account on my credit report that appears as XXXX XXXX however I do not know what it is. Ive disputed the account with experian but they never share what information is being used to validate the account. Only result is Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This does not add any additional information or validate the account. Experian does not care about its duty to accurate reporting.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX XX/XX/XXXX my flood insurance policy expired and I did not get notifications/ or saw the notification from NewRez until the end of XX/XX/XXXX, letter was dated XX/XX/XXXX so NewRez , my mortgage company placed forced flood insurance for {$310.00} per month, which is 3x the amount. And the policy that was not paid was only {$570.00} for the year. I found out through the agent XXXX XXXX  XXXX XXXX XXXX that it had expired, and the bill was sent to XXXX XXXX XXXX, which is a place I refinanced back in XX/XX/XXXX. I never received anything from XXXX XXXX XXXX Next step I contacted bankers American insurance and they basically told me they cant go back and reinstate the policy that I need to contact my agent to rewrite the policy. I then contact the new Rez where there was documentation that back in XX/XX/XXXX an agent was contacted at XXXX XXXX XXXX XXXX, asking for them to send over the bill so it could be paid and that XXXX never got to them. My main concern here is that I dont feel like I should have to pay the extra in my escrow for the shortage due to the fact that a lot of people drop the ball and they didnt get paid and they place the forced insurance that is 3x times the amount my original policy instead of something more comparable.