davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I have been working with IndyMac turned to Ocwen since XXXX to process a deed-in-lieu on a property I owned. After much back and forth with the banks, my property was finally officially transferred/deed recorded from me to Ocwen in XXXX XXXX. Since then, I have followed up with Ocwen several times to receive a XXXX to file with my taxes. As an aside, they issued a XXXX in error in XXXX. Each time I contact Ocwen about a XXXX, they keep saying that they are still working on my file to close it out. It 's been 17 months since the deed has been transferred to them and I just called the other day and they told me that they were still working on it and may not have it done by the end of XXXX? The Mortgage Forgiveness and Debt Relief Act of XXXX provides a tax exemption for homeowners for " income '' resulting from debt forgiveness related to foreclosures, short sales and principal forgiveness of loans. That Act expires on XXXX XXXX, XXXX and therefore, if Ocwen does not process this deed-in-lieu it would prohibit/exclude me from exercising my protections and rights under that law. I am XXXX XXXX in the United States XXXX XXXX and had to release this property as a result of a permanent change of station as a result of my call to XXXX XXXX. I am serving this nation, and I have tried my best to work with Ocwen to resolve this matter, yet, this issue is not a priority to them since they will benefit from having me not qualify for relief under the law. I would hate to think that they are " sitting '' on my file so that I can not claim relief under the law. If that 's not the reason, they have very inefficient business practices that will ultimately have grave financial repercussions for me. I am disappointed and at my wits end. Once again, Ocwen claimed that they would try to expedite resolve, however after 3 years of going back and forth with Ocwen, I ca n't continue to believe what they tell me. I have filed XXXX XXXX complaints but they have an F rating anyway so that has not worked. I am now reaching out to the CFPB in hopes that you all can help me to get them to simply close out my deed-in-lieu file before XXXX/XXXX/XXXX.
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

My mortgage lender, Ditech, failed to pay {$1300.00} in real estate taxes due the City of XXXX Virginia on XXXX XXXX, 2016 and my tax account is now considered delinquent. The balance in my escrow account is more than sufficient at {$2200.00}. I have called, messaged and sent a certified letter to the address listed for " Error Notice '' to no avail. It seems like this action must be in violation of a regulation but I have n't been able to determine what that is.
Consumer complaint received 2015-10-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (OH)

The name and location of the school I attended during the time I borrowed the private student loan in question : The Ohio XXXX University, XXXX, OH. 

The issue at hand : The current situation I am facing surrounds National Collegiate Trust ( NCT ) and their attempts to collect on a series of private student loans totaling more than {$30000.00} that they can not provide any information to me about. NCT has recently filed suit in my hometown court of common pleas ( XXXX County, Ohio ) with regard to this matter and I do not know who to turn to since lawyers in my region will not get involved in student loan consumer disputes. I was actually told that these situations do not bring them any money in fees, they are an uphill battle to wage and they simply are n't worth the time. I have a real legal situation here where I am being harassed ( as well as my co-signer father who filed for bankruptcy a few years ago ) for payment and I have no way of remedying this situation on my own. NCT refuses to cooperate with me at any step along the way and I deserve a chance to validate this debt and act accordingly. I do not know who owns the loans in question, who services them, or who is able to collect payment on them. NCT has previously informed me that they occupy none of these roles ... .that they purchased loans in bulk and can not provide detailed information on individual disbursements. Please help.
Consumer complaint received 2020-10-18
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. (NC)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2015-10-15
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (WV)

RushCard pre-paid debit cards had an update that was told to its customers in an email would only last five hours and be over XXXX on XX/XX/2015-Now we can not get on their website, call them, or contact them. Everything stopped working. Today is XXXX/XXXX/15 and its my payday and my funds are n't on my card. I was able to finally get through last night and the representative told me my direct deposit was pending and it would be placed on my card within 1-2 hours. Its the next day and nothing, phone hangs up or is silent when you call.
Consumer complaint received 2016-05-27
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (VA)

DiTech sent me a special payment reduction offer. The offer required me to submit the paper work before XX/XX/2016. I submitted my paper work by fax on XXXX XXXX and sent a hard copy on XXXX XXXX, 2016. I did not receive the special offer I was promised. It is apparent that DiTech did a " Bait and Switch. '' This company is a, '' FRAUD. ''
Consumer complaint received 2015-12-02
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Delta Management Associates, Inc. (IN)

The representative from Delta Management called by immediate supervisor and discussed my debt with her. When my supervisor was unwilling to discuss this issue with the representative, they questioned her asking " if she was n't concerned about her employee not paying her bills ''. My supervisor indicated that the representative was very aggressive. 

This was very inappropriate and could have lingering impact on my employment. Attempts were made to contact me but I had been in meetings for most of the day today.
Consumer complaint received 2017-02-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Forced Escrow was placed on my account, on XX/XX/XXXX due to delinquent property taxes not affiliated with my Property Parcel ID. I am requested to terminate all Escrow accounts since my yearly taxes of only XXXX, are paid out of pocket and on time for my XXXX XXXX property and the only property associated with the loan. Advanced funds were distributed to County Tax Office without authorization and taxes for other property owners were disbursed to pay all XXXX properties, which of XXXX are not listed on loan since the properties were divided in XX/XX/XXXX. I have repeatedly faxed all county documentation Ditech requested, emailed, called and spoken to different depts., notices mail to be stating the issue is being investigated within 30 days and nothing done, now my escrow account is over {$6000.00}, causing my monthly mortgage payment to be outrages and I demanded they correct this asap nothing to pay for XXXX other properties that do not belong to me.
Consumer complaint received 2015-10-23
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (GA)

i have a rush card. I have not received my payroll check. it has caused me to not be able to purchase food gas and pay my bills. I am very disappointed with all of this happening because I trusted XXXX. but now im mad, simply because I feel he needs to make a public statement and stop hiding behind fb and twitter!!!
Consumer complaint received 2015-10-23
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (FL)

As you may be aware of, the issue with Rushcard is a big concern. As like many other Rushcard customers, I was not able to access my funds. I also experienced issues with my direct deposit. I think it is ridculous for this company to only offer a fee free trial period for all the damage they have caused, on the other hand, I am not surprised by their actions, it only goes to show that the rich do not, never have and never will care about low income civilizians.
Consumer complaint received 2015-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (OH)

A person who identified themselves as XXXX XXXX called me around XXXX and asked for XXXX XXXX XXXX I told him that he can not be reached at my cell phone number I was speaking on, but he became irate and stated the following : " This is the phone number that he gave. I am not telling you who I work for unless you tell me how you represent XXXX XXXX! You must know how to get in contact with him! '' XXXX XXXX 's tone was harsh and unnecessary. Later I researched XXXX XXXX 's phone number and found he was calling from a firm called the National Credit Adjusters.
Consumer complaint received 2022-02-07
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: LEXISNEXIS (WI)

My name is XXXX XXXX XXXX. I'm writing you because I'm having some trouble with XXXX with false reporting on my credit report. I have investigated several times and they keep saying the courts is telling a lie. Please help me resolve this. I filed a complaint with you all one because and I would like to know if you all checks into as well. my complaint was # XXXX that was my old one and nothing got done and it's still a lie. So, with this one i hope that i can get help.
Consumer complaint received 2022-02-10
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. (MD)

As of today, XX/XX/2022, the account balance is zero and has been paid in full as for the rest of my over 35 current active credit card accounts. However, XXXX XXXXXXXX purposely provided to Equifax and XXXX fraudulent payment history information earlier today on XX/XX/2022, which caused my perfect credit scores to drop about XXXX points causing both financial and emotional harm and damages as a result of its illegal reporting to the national credit bureaus in violation of both FCBA and FCRA including the stipulations of 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ) and 1666e. 

See attached XXXX XXXX bank statement. 

The reported errors to all credit bureaus and creditors must be IMMEDIATELY CORRECTED AND REMOVED!!
Consumer complaint received 2015-10-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: FIRST CASH FINANCIAL SERVICES, INC. (TX)

The company called me threatened to have me put in jail and I would have to attend classes if I did not pay full amount. Told me I committed fraud and had to pay full amount or they will send me to my county court. Contacted friends and relatives and revealed personal information to them regarding my debt. Threatened to take my references to jail as well
Consumer complaint received 2022-02-07
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. (WI)

My name is XXXX XXXX XXXX. I'm writing you because I'm having some trouble with TransUnion with false reporting on my credit report. I have investigated several times and they keep saying the courts is telling a lie. Please help me resolve this. I filed a complaint with you all one because and I would like to know if you all checks into as well. my complaint was # XXXX that was my old one and nothing got done and it's still a lie. So, with this one i hope that i can get help.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WHEELS FINANCIAL GROUP, LLC. (NV)

I needed money to pay for my moving expenses. I took a title max car loan. I 've tried to keep up with the payments but fall short so my payments are late and include a hefty penalty payment in addition to interest. I failed to make the XXXX 2016 payment on time and called loan mart to explain. XXXX XXXX, 2016 I tried to make an online payment but was denied. This payment would have covered XXXX 2016. Another payment of {$350.00} was due XXXX XXXX, 2016. I do n't get paid until the XXXX of each month so I would be late again. My plan is to pay the entire bill with large lump sum payments. The problem is the amount that is added to the principal balance makes it difficult to pay the loan off. My car was reposed this morning. In order to get my car back, I must pay them {$900.00} which includes towing, paying for personal property left in the car and making a trip to the police department to obtain a repossesion receipt. This is robbery. In fact, there was no grace period.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As of today, XX/XX/2022, the account balance is zero and has been paid in full as for the rest of my over 35 current active credit card accounts. However, XXXX  XXXX purposely provided to XXXX and XXXX fraudulent payment history information earlier today on XX/XX/2022, which caused my perfect credit scores to drop about 80 points causing both financial and emotional harm and damages as a result of its illegal reporting to the national credit bureaus in violation of both FCBA and FCRA including the stipulations of 15 USC XXXX XXXX, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ) and 1666e. 

See attached XXXX XXXX bank statement. 

The reported errors to all credit bureaus and creditors must be IMMEDIATELY CORRECTED AND REMOVED!!
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Heartland Resolution Group, LLC (MI)

Heartland resolution group Purchases by XXXX capital partners They bought a debit and trying to recoop false amounts owed. To see who will dispute amounts. They say on XX/XX/11 I owe {$340.00}.
Consumer complaint received 2020-11-02
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. (CA)

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

MY MORTGAGE WAS BEHIND APPX {$5300.00}. I SENT GREEN TREE SERVICER {$5000.00} IN THE FORM OF AN ONLINE CHECK. MY BANK RECORDS REVEALED THAT MY CHECK WAS CASHED XX/XX/XXXX. THE BANK DENIED EVER HAVING THE CHECK AND CASHING THE CHECK. I SPOKE TO MANY, MANY SUPERVISORS AND MANAGERS IN THE COLLECTIONS DEPT REQUESTING TO RECIEVE MY CHECK BACK BECAUSE I WAS TOLD THAT I WAS IN FORECLOSURE AND THEY COULDNOT ACCEPT THE CHECK. AFTER BEING IGNORED BY EVERONE I SPOKE TO ... .. I REALIZED THE ONLY OPTION I HAD WAS TO SEND THE BANK THE ADDITIONAL FUNDS TO BRING MY ACCOUNT CURRENT. THOSE FUNDS WERE IMMEDIATELY RETURNED TO ME FOR PARTIAL PAYMENT. XXXX OF THOSE CHECKS WERE SENT TO THEM THE EXACT SAME WAY AS THE {$5000.00} CHECK THAT I SENT SO I WAS CONFUSED AS TO WHY THEY COULD SEND THOSE FUNDS BACK SO SOON BUT NOT THE {$5000.00} PAYMENT I SENT. I DIDNOT RECEIVE MY CHECK BACK FROM THE BANK UNTIL THE END OF XX/XX/XXXX ( ALMOST TWO MONTHS ). BY THAT TIME I WAS CHARGED / ACCRUED PENALTYS AND LAWYER FEES THAT WERE ASTRONOMICAL AND TOTALLY UNCALLED FOR ( AS MY PAYMENT HISTORY REVEALS I TRIED TO BRING MY ACCOUNT CURRENT MONTHS BEFORE.
Consumer complaint received 2015-10-01
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Radius Global Solutions LLC (IL)

On Thursday XXXX XXXX, 2014 I received a call on my landline phone from Central Credit XXXX Services on behalf of XXXX XXXX at XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.
Consumer complaint received 2017-03-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NJ)

I could not afford the monthly payment and I called multiple times asking for help. They said I had no deferment and I explained I wanted to pay but I could n't afford the amount. They told me there was nothing that could be done i had to pay that amount and I could not speak to a supervisor because they would just say the same thing. I called almost 10 times asking for help. Finally on the last call, the representative told me to " just pay what you can and it 'll be fine as long as you pay something " I was paying between XXXX-XXXX a month the whole time ... in good faith. Finally I get a call my loan had been defaulted and was sent to collection agency. America education services is a money sucking leech. They do not want to assist and keep reporting me to my credit even after it was sent to collections. Now my credit is horrible and shows default which is usually assumes non payment when I was paying every month and the would not do a thing to help lower my payment.
Consumer complaint received 2015-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (DC)

I do not know anything about this debt collection coming from Afni, Incorporated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX , XXXX original creditor.
Consumer complaint received 2015-10-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mid-Atlantic Consumer Services (OH)

Mi-Atlantic Consumer Services keeps contacting me and family members to collect debt on which I have paid already. They have threatened to contact my human resource department as well. Even when I talked to them on the phone and told them I do not feel comfortable sharing information over the phone, they seemed to get mad at me. I even double checked my credit to make sure this was not on my credit and that I indeed paid it.
Consumer complaint received 2022-09-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am listing all the unknown inquiries which I did not authorize below or where they came from someone is using my information. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2020-09-11
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN HONDA FINANCE CORP (NY)

Leased a new vehicle from America Honda Finance. Made 36 out of 36 payments on time. Was billed for excessive end of life charges upon return.

Spoke to a representative who said they would investigate. Never heard back and was reported delinquent and saw my near perfect credit score of XXXX drop to XXXX in 2 months. 

Car was returned with less than half the allowable miles.