davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

In XXXX 2013, Ocwen stopped accepting my payments. They told me I had XXXX balance in my account, and that there was nothing else to be paid, so they would no longer take any payments. 

I continued to make inquiries about the payments for 2 whole years. I retained lawyers in an attempt to get information from Ocwen on either how to proceed with payments or how to get my name cleared of the debt. Ocwen never once replied to me. Their customer service, when I called, alleged that the XXXX balance was due to a change in websites, but never solved the problem of not accepting my payments. 

For the past 2 years, Ocwen continued to tell me I owed them money while refusing to accept payments because their computer system told them that I owed no money. Ocwen continued to accrue interest and other charges onto my account. 

In 2013, I only owed XXXX on the home. Now, Ocwen alleges that I owe them {$78000.00}. They cased the problems, they refused the payments, and now they want to take a windfall of {$22000.00}. 

I filed complaints with the Attorney General of Florida, to which Ocwen finally responded. 
In response to the complaint, Ocwen offered me a loan modification agreement ( attached to this complaint ). Ocwen wants me to pay them {$900.00} a month, and wants to raise my principal balance to {$78000.00}. They filed a foreclosure against me and are attempting to take my home. 

It 's absolutely unconscionable for a large corporation to simply artifically raise my debt by {$22000.00} and then attempt to coerce me into making payments by threatening to take my home, when all of this has happened because they were unable to solve a very simple mistake that they made.
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

I would like to file a complaint to urgently dispute collection accounts reported to my consumer credit reports report by LVNV Funding LLC. Despite providing thorough documentation proving my status as a victim of identity theft, including a notarized identity theft affidavit, FTC Report, and Police Report, LVNV Funding LLC has blatantly disregarded my rights and continues to report these fraudulent accounts. 

The accounts in question are as follows : Account Number : XXXX Amount : {$1100.00} Account Number : XXXX Amount : {$16000.00} Account Number : XXXX Amount : {$16000.00} Account Number : XXXX Amount : {$4200.00} Despite multiple requests for validation and proof of licensing and bonding as required by law, LVNV Funding LLC has persistently refused to honor my police report and provide any validation information under 12 CFR 1006.34 ( b ) ( 5 ). 

Moreover, LVNV Funding LLC 's actions constitute a clear violation of consumer rights, as they have furnished these collection accounts to consumer reporting agencies without providing the necessary disclosures required by law, in direct contravention of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

The original creditor has been duly notified of the fraudulent nature of these accounts, and I have attached copies of my FTC Report and Police Report for your reference.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation. I need to get this handled because I have goals in the future for my credit. attached is the letter XXXX XXXX sent me along with the check image thanks XXXX
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I received my monthly mortgage invoice for XX/XX/XXXX, which included a note stating that my monthly payment will increase from {$860.00} to {$2200.00} effective XX/XX/XXXX. It also stated a loan maturity date of XXXX XXXX. I have a variable interest loan which is currently set at 2.375 % until XX/XX/XXXX, also noted on the monthly invoice. I called my mortgage provider, OCWEN, to get an amortization schedule so that I could know what portion of my monthly payment is being applied to principal and what portion towards interest. I spoke with XXXX customer service representatives and neither could tell me this information and they both said that my file does n't have an amortization schedule. They explained that I would learn of the principal/interest application when I received my XXXX bill, but that I would not get an amortization schedule. I knew that my loan payment would convert into a principal/interest payment at this time, but the monthly payment is significantly higher than a 30-year loan with an interest rate of 2.375 %. At the very least I would like an explanation, which I am not getting either.
Consumer complaint received 2024-05-12
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP (MI)

I have had my us bank relia card since XX/XX/XXXX that is still at XXXX dollars. I have at least 10 approved claims since XXXX and have no been paid. I filed complaint with Michigan UIA that responded as Confirmation XXXX. Relia card contacted me in a letter dated XX/XX/XXXX with card ID # XXXX and informed me of notice that XXXX, XXXX is on the card that I do not have to use. Why? 

Please investigate. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (NV)

This debt was paid through XXXX XXXX XXXX over the phone payment. On XX/XX/20 Tracking number for this payment is Tracking Number : XXXX. I spoke with some one from allied collection service a few weeks later ( Cant Remember the date or the name of employee i spoke with ) and asked them did they receive the payment confirmation from XXXX XXXX that this account was paid in full. They stated that did not received the email confirmation letting ( Allied Collection Services ) that it was paid. I Then again Spoke with XXXX and they stated that, they tried to reach ( allied Collection services ) over the phone and email. They haven't heard back from anyone from there offices. I Checked my credit report and Allied Collection Services is still reporting this account is not paid in full. Which it is. I Should not be responsible for paying allied collection service a extra {$89.00} for mistake. THIS ACCOUNT WAS PAID THROUGH THE ORIGINAL CREDITOR XXXX XXXX XXXX. I WOULD LIKE IF ALLIED COLLECTION SERVICE WOULD DELETE THIS OFF MY CREDIT REPORT. TO WHOEVER THEY REPORT TOO. There is two attachment attached 1. From XXXX XXXX XXXX showing the money coming out my account. 2. Email from XXXX XXXX XXXX stated the money was paid in full.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing LLC continues to threaten additional servicing fees for the purpose of adding insurance I already have. On XXXX/XXXX/15 I sent the first Qualified Written Request under RESPA answering their requests for insurance dated XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15. Required documents were submitted but I never received 60 day response ( nor acknowledgement ). On XXXX/XXXX/15 I sent another Qualified Written Request under RESPA in response to Ocwen 's revived demand for insurance dated XXXX/XXXX/15. All requested documents were sent again. Now in a letter dated XXXX/XXXX/15, Ocwen threatens to tag on an additional {$620.00} yearly to servicing fees for insurance I already have. They claim they do not have evidence of insurance coverage, even though I sent it multiple times to their designated fax number ( XXXX ) XXXX. My transmittal confirmation sheets show their receipt. The internet is full of consumer complaints about Ocwen, suggesting habit and custom on the part of Ocwen 's ongoing servicing violations.
Consumer complaint received 2021-03-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 I sent a dispute letter to the credit bureau in regards to items I seen on my credit report that did not look familiar and were inaccurate. Since sending my initial letter it has been over a month and I still have not received a response or anything about the status of my disputes. I also sent another letter demanding the bureau to respond prior to submitting this complaint. I know that according to the law the bureau must investigate the items I disputed and respond within 30 days of my initial dispute or the items have to be deleted immediately. It has been almost two months to date. This is effecting my credit score and I have followed all the correct procedures and I feel my disputes are being ignored and it is aggravating.
Consumer complaint received 2015-03-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (HI)

The loan servicer has made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued notices of default for amounts that were not yet due, eventually stopped accepting my payments and has sued me for foreclosure. 
The servicer continues to charge me late fees after acceleration and during the foreclosure lawsuit. 
The servicer 's lawyer will not permit me to communicate with a sole point of contact at the servicer, make Requests for Information or Payoff Requests and is refusing to respond to the Requests for Information or Payoff Requests. 
I am being denied an opportunity to save my home and avoid foreclosure through the Making Home Affordable Program. 
The servicer and its lawyer are forcing me to accept a nonHAMP, nonaffordable loan modification that is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute or be faced with a possible foreclosure judgment against me and loss of my home. 
I am being forced to sign a loan modification agreement whose payment terms I do not understand, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by the servicer. 
The servicer is subject to an existing Settlement Agreement with my state 's Attorney General, and my loan is eligible for coverage under that order, but the servicer and its lawyer are forcing me to either accept a loan modification that is not based on my income or ability to pay or be faced with a possible foreclosure judgment and loss of my home.
Consumer complaint received 2016-09-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (FL)

To Whom It May Concern : Unfortunately, in XXXX I submit my monthly payment on time. There was a ussue with my account some had acess my account and did some fraudulent charge I was refunded after the investigation I am asking to please removed that 30 late so that I may refinance the house so I can get a better rate It was an exceptionally busy time and my life as Recently, As you may know, XXXX scores are being used more and more in the selection of prospective job applicants. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope THE MONEY SOUR believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX SOC SEC # XXXX DOB XXXX XXXX, FL XXXX
Consumer complaint received 2015-09-19
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC. (FL)

SUN TRUST Bank refuses to grant my loan request ( Reference ID XXXX ) because " After reviewing your application, we regret that we are unable to approve your request based on the following reason : Unable to obtain credit report from consumer reporting agency XXXX. ''
Consumer complaint received 2021-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

One of the companies handling my loan, XXXX, proactively stopped requiring payment due to forbearance from COVID. My other servicer, AES, did not, so I applied for forbearance from them as well. They denied my request and continue to bill me.
Consumer complaint received 2023-03-22
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. (FL)

I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.
Consumer complaint received 2015-10-28
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (TX)

on XXXX XXXX weekend i was affected by the RUSHCARD fiasco.I didnt recieve my direct deposit as i normally do and when i did i wasnt able to access my online account due to being locked out. I am not able to check my balances due to the text alerts not working. the problem was said to be fixed however here it is time for pay again and i have not recieved anything. I have attempted to reach out to RUSH Card at XXXX and i continue to get hung up on. I would just like to be able to access my money so that i can move my services elsewhere.
Consumer complaint received 2022-07-19
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX Employer XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX Employer XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MS)

I informed company acct is my moms but I did help her to get her furniture for her house but she lost her job due to not being able to work anymore as a results of her health and I was struggling to make ends meet company constantly calls my phone 10-20 times a day for the payment but I cant afford all of her bills plus my own and they aren't willing to help with payment arrangements or anything its really frustrating and they keep threatening with the local sheriff dept to come out to my mom home and take her furniture
Consumer complaint received 2015-08-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (NY)

Did not receive ANY communication regarding overdue payment from Macy 's credit card, nor notice of it having been sent for collection. I only became aware of the debt upon taking my credit report. When I called Macy 's credit card and asked about this, pointing out that although I had moved, I had mail forwarding in place, I was told that Macy 's does not allow the post office to forward their mail -- they must instead return it to Macy 's. I was told that this practice is legal because it is stated in the original agreement. 
I do not understand how a company is allowed to have a practice that clearly makes it impossible for them to notify a customer who has moved about possible overdue payments. I had no recollection of owing money to Macy 's, and in addition to not receiving a reminder letter I have not received any phone calls ( my number has not changed ) or e-mails to that effect either ( I do, however, still get Macy 's ads and member deal reminders via e-mail ). 
My credit score has suffered considerably as a result of the lack of communication from Macy 's. I am in the process of buying a house, and a small debt -- less than a {$100.00} -- will now likely cost me thousands of dollars in higher mortgage rates. I find this entirely unfair, as I would obviously have paid the bill if I had know it existed.
Consumer complaint received 2023-03-22
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. (AR)

I am submitting this CFPB Complaint to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my Equifax credit report that are being reported differently. Specifically, the following accounts are showing discrepancies : DEPT OF ED XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$5100.00} DEPT OF ED XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4500.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2200.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4900.00}. I am confident that the information being reported by Equifax Credit Bureau is inaccurate. I have always made timely payments on all accounts, and I have never missed a payment. Therefore, I request that you update my credit report with the correct information.
Consumer complaint received 2018-03-15
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. (IL)

Experian Credit Bureau has listed Tax Liens both Federal and State which are clearly inaccurate and fraudulent. They have indicated that the XXXX County Recorder of Deeds and the Court have provided them with the negative public  record as seen in my Experian Credit Report. The names of the court and of the Recorder of Deeds is seen on my credit report. It shows that the court and recorder of deeds provided Experian with the information. 
I have enclosed documentation which show the credit report as well as documentation from the court system that indicate that there is no reporting by them to any credit bureau. 
The problem is that none of the information is accurate. 
I know that Experian gets its public information from XXXX or another third party such as XXXX XXXX. They regularly collect public records information into their database and then sell it to the credit bureaus. It is a violation of the Fair Credit Reporting Act to report false information. It is also considered false information on my credit report by claiming to get information from a court when it is actually obtained from an unnamed 3rd party. Multiple letters were sent to Experian.
Consumer complaint received 2021-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NE)

I applied for an apartment with XXXX XXXX XXXX in XXXX, NE and i got denied, so someone called XXXX XXXX who is a former resident at this time period offered me take over her lease which I agreed as I just moved to Nebraska and I needed a place to live in. When I talked with the property manager she said it should be fine and we shall take over the lease but there will not be any renewal. I agreed and moved my furniture also took over the utilities but after a month the property manager asked me to evict the apartment as there is no sublease, I offered them to pay the remaining balance in advance till the lease is over and I will move out as they already took two payments from me, but they took me to the court me and XXXX after a week the property manager was granted an eviction and got me locked out with a Sheriff order. I arranged to take my belongings out of the apartment to another place who approved me. The court has a judgment against XXXX for the remaining balance of her lease. Now I found the collection agency calling me for XXXX 's debt.