davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (IL)

I got a mortgage having to put it under an LLC with XXXX who turned out was not licensed but the loan was a XXXX supposedly it was XXXX then XXXX then XXXX then XXXX XXXX who said they were not the mortgage holder. anyway I built a new building and got XXXX ' on on my LLCs property XXXX foreclosed and took my property purchased by XXXX XXXX XXXX I found out XXXX was owned by the loss mitigation director XXXX XXXX and Ocwen Financial Services which is conflict now they are trying to take my new building claiming they own the XXXX ' even though the deed is in my name. they signed the sale as purchaser XXXX XXXX XXXX VP a XXXX employee then assigned it to themselves from XXXX XXXX VP of XXXX I learned Ocwen Financial services was the straw buyer from a XXXX investigator these are all top officials who have been stealing property
Consumer complaint received 2015-10-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bursey & Associates, P.C. (AZ)

I received a judgement from a law firm of Bursey + Associates based out of XXXX, AZ, numerous time they have violated collection practices in collecting a debt. The most recent which is prompting this complaint is they were sent a payment in full letter, dated XXXX/XXXX/2015 and sent certified on XXXX/XXXX/2015. I find out today they do not have the copy of that letter nor are they sure were it is as it is not in my file. However I have proof they received this letter as well as the letter was sent to the company that sued me of XXXX XXXX XXXX, and to my payroll department. The letter stated the debt had been paid in full by my records, and as such they were not to communicate any more to me other they to state the debt was paid in full. They are trying to blame my payroll department for not calling them, and that it happens all the time, so instead of owning up the matter they are blaming another party.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: WELLS FARGO & COMPANY (CO)

I 'm trying to refinance my house but when they pull my credit score theycant get it??? 6 months ago it showed XXXX now It 's not available?? Theysaid Wells Fargo is n't sending the info on my house payments. Is thatpossible? please help me. How can I not have a credit score?
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have placed this under " Making Payments '' as that seems to be the best option, but really does not apply to my situation. Bank Of America held the mortgage for my property that was sold through the HAFA program back in XX/XX/XXXX. The short sale process was completed and transferred out of my name XX/XX/XXXX. BOA issued the XXXX to me for the cancellation of the remaining debt. XX/XX/XXXX I received notification that this mortgage has been sold to XXXX XXXX XXXX. Called XXXX and was informed the documentation they received from BOA reflected I was XXXX months delinquent and the property was in process of foreclosing. I now owed an unpaid principal balance of {$61000.00}, interest {$15000.00}, corporate advances {$790.00} and escrow advance of {$380.00}. I informed them of the short sale that was completed on the property back in XX/XX/XXXX and I would fax a copy of my XXXX and contact BOA. Placed a call to BOA XXXX short sale dept ) and the information was reflected in my records that the sale was completed, with no balance due, XX/XX/XXXX and they would forward it on to XXXX. Since the information that was transferred from their foreclosure department, I asked to be transferred to that department. They informed me since my " loan '' had been sold, they could not give me any information as all documents had been forwarded to XXXX. I explained the situation again ( the short sale completion ) and basically the information they had sent to XXXX was erroneous information and I needed for them to correct this ASAP. I needed some sort of documentation from the foreclosure department XXXX information they could access through THEIR short sale dept ) stating there was NOT any foreclosure proceedings on that property and no balance was due and it was no longer in my name and there was no mortgage to be sold. The only option they made available to me, was to file a complaint and wait for one of their agents to contact me. I asked that it be placed into some sort of escalated or urgent status and the response I received was, " I will try but I ca n't guarantee anything ''. I waited XXXX hours for a call and when one was n't received, I called them back. Today I was informed it could take up to XXXX hours for this return call. Which means they have another XXXX hours to respond. In the short sale process with them back in XX/XX/XXXX, I am not holding my breath, as I seemed to get the same run around then as I am now. That is why I am not waiting another XXXX hours and filing this complaint. Not only is my credit at stake, which has been rebuilt and I have recently purchased another property, but my sanity is also at stake. I can not understand how a banking institution can sell a non-existent mortgage and then how, it has become MY problem.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Eagle Home Mortgage, LLC (NJ)

On XXXX XXXX, 2015 I closed on a mortgage loan from the Universal American Mortgage Co to purchase a new home. I advised the mortgage company representative that I would likely payoff the mortgage in the near future and inquired if there were any prepayment penalties or expenses. I was assured there were not any of these. When I closed on the sale of my former home on XXXX XXXX, 2015 I called the company and asked for payoff information to payoff the mortgage on XX/XX/2015.. I did not receive the requested information and after several calls submitted an email. I finally received a call advising of the following : 1. My loan had been sold to a loan servicing company to be effective XXXX XXXX, 2015. 2. I could not payoff the loan until I had submitted the XX/XX/XXXX payment to the original company. 3. On XXXX XXXX, 2015 I would then need to call the new company - The XXXX XXXX XXXX to arrange for payoff. 
This decision or possibility was never disclosed during the loan process and will require me to pay over an extra month of interest.
Consumer complaint received 2015-03-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC (TX)

I requested a balance transfer from my XXXX account to my XXXX account. After some time I was concerned because I never saw the payment to XXXX XXXX posted even though the money was deducted ftom my XXXX account. At XXXX on XXXX XXXX, 2015 I called and spoke to a representative and I shared my concern that my balance transfer was not showing up. He informed me that XXXX XXXX Bank did not accept balance transfers. I was floored because there is nothing in the cardholder agrement that states this fact. I relayed this information to XXXX and they told me that if the payment was returned to them, they will credit my account. 
I could not believe it when on the XXXX of XXXX I logged in to my XXXX card account and I saw that they had attempted to process the balance transfer. I called them to see what was going on and I was informed that my account was suspended. Now this is amazing to me because I have never missed a payment. The balance transfer was meant as an extra payment on my account. On XXXX XXXX I spoke with XXXX and he informed me that they would pull the phone call to verify what I was told by the representative on XXXX XXXX regarding balance transfers. He said that if I had been advised with incorrect information, they would resolve the issue and I could resume making my payments online. I was waiting to hear about the outcome of the investigation, but I received a letter in the mail today ( XX/XX/2015 ) stating that I need to destroy my card and that I had violated my card holder agreement. 
This is unacceptable behavior from this company. They have incompetent Customer Service Reps and they punish the customer for it. I do n't want any damage to my credit from this company. I have documentation from XXXX saying the balance transfer was returned from XXXX XXXX Bank. ( XXXX Card ).
Consumer complaint received 2015-06-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I initiated a dispute on XXXX XXXX, 2015 regarding a charge to my USAA checking debit card from XXXX for {$54.00} for wi-fi services that I did not receive. USAA requested the SAME information over and over and over and over, which I provided at least five times ( four times via telephone and once via fax ). Every time I call, I 'm told that they need THE SAME INFORMATION. I have provided everything they 've asked for at least FIVE TIMES. They refuse to do anything further. I believe that they are intentionally stalling so they do n't have to do anything. USAA service is simply horrid. What happened to this bank? They used to be decent!
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX COURT XXXX FL. XXXX REFERENCE XXXX XXXX INFORMATION FOR LONG TIME I CALL THE COURT ABOUT A YEAR THEY THEY AGREED THAT IS NOT ME BUT NEVER CAME OF MY RECORDS
Consumer complaint received 2015-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kohn Law Firm S.C. (WI)

Kohn Law Firm, S.C. ( XXXX XXXX XXXX ) called my place of work asking to speak with me or my wife. When I spoke with them on the phone, they insisted that they needed my social security number and birth date before they could tell me anything. That sounded like a scam so I did n't provide the information. Now they have sent at least XXXX letters to my place of work trying to garnish my wages. The letters make clear that I am not even the person they are looking for ( different middle name and different social security number ). So they are trying to collect a debt I do n't owe, have improperly contacted a third party ( my employer and me in regard to the person whose debt it actually is ), improperly sharing the social security number.
Consumer complaint received 2015-07-29
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Delray Capital, LLC (MI)

I am being contacted from a collection agency that states that I recieved a pay loan from a company that I never applied to or recieved money from. Delray Capital been harrassing me stating that I owe their client money from a loan on XXXX XXXX 2013. I asked who was the company and they state that I wouldnt know the company because they bought the loan from the originator but wouldnt tell me that company name. The rep XXXX XXXX ext XXXX stated that the loan amount was XXXX but with fess I owe XXXX dollars. He stated that if I sent in proof there was nothing deposited I will be fine. I sent in proof that there was no deposit and he got is " manager '' XXXX on the phone who proceeded to begin threating me and my identity ie ssn, DL etc. I was told they will get their client money. I have never recieved any money from the online pay company.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$6800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX, XXXX XXXX and XXXX XXXX did a construction job for XXXX XXXX XXXX. Because, they did not pay there unemployment taxes and XXXX XXXX owner of XXXX XXXX was my husband at that time and signed a contract with XXXX XXXX the unemployment taxes was in his company name. Because Texas is a community property state and both of us had closed accounts they reopen my account and put the unemployed taxes on my account and put a freeze on my bank account and it was sent to the Credit Bureaus. I have manage to get it taken off XXXX and XXXX. But, I ca n't get it off XXXX. I faxed them the same documentation almost XXXX months ago, they sent me out another report but not the dispute for the for the taxes. I called and the representative found the faxed documentation but they had not investigated it. I asked her if she wanted me to upload more documentation and she said no. I told her that I had received documentation from IRS, because I did the Injury spouse form and she told me that they did not need anymore documentation. The reason why XXXX put the unpaid taxes on my account is because when they sent the results of the hearing they put on the top of the letter XXXX XXXX XXXX XXXX d/b/a XXXX XXXX, but XXXX started XXXX in XXXX, we was not married at that time. His assume name is in XXXX XXXX d/b/a as XXXX XXXX, XXXX XXXX took full responsibility for the taxes not XXXX XXXX. Why would I call for a hearing knowing that this was a XXXX XXXX. We was not married when he start his business, we were married in XX/XX/XXXX. But it was put on my credit file as a Individual not Joint. If you look at the account number, they are totally different and if they really investigate they would know that, XXXX XXXX Assume name was acquired in XX/XX/XXXX or XX/XX/XXXX. My assume name was acquired in XX/XX/XXXX I am going back to college but because of this I ca n't get a private student loan. If Texas was following there own rules and the Federal government XXXX XXXX is not responsible, he only paid the employees wages, he did not paid for the material or equipment, and the other company told them where and what time to be at work. By the Sub-Contractors laws State and Federal, XXXX XXXX is responsible for the wages. and this was a Federal Contracting Job. But, one of the representative from the XXXX told XXXX XXXX of XXXX XXXX how to avoid paying the social and medicare taxes. The third party ( XXXX XXXX ) did not even call in. I have all of my documentations, plus XXXX has them. You can contact me at XXXX, email address : XXXXXXXXXXXX
Consumer complaint received 2015-03-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CMRE Financial Services, Inc. (CA)

I submitted XXXX verifications of debit request to debt collector without a response. They are still reporting to Credit Agencies and I have submitted claims to those agencies. XXXX is investigating the claim at this time. The other XXXX agencies has removed the claim. I would like the agency to remove the debt and to cease and desist all collection activity on this debt as it has not been validated. Remove all remarks from credit reporting agencies.
Consumer complaint received 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Paramount Capital Group, Inc. (NC)

ok in 2012 my school in XXXX N C XXXX XXXX was a XXXX week course and they set you up for a loan that you will never pay it off. they charge me 19 % interest i didnt know that until i left the company i worked it was XXXX XXXX XXXX XXXX TN XXXX I WORK THERE ALMOST A YEAR. PAYING THE LOAN FOR XXXX DOLLARS A WEEK IN FOUR YEARS THAT WAS A LIE. NOW BECAUSE OF THIS LOAN IT WAS XXXX DOLLARS TRYING TO PAY IT OF SEEN 2012 3 YRS NOW I ONLY GOT DOWN TO XXXX XXXX AND SOMETHING DOLLARS. IT HAS DESTROY MY LIFE COMPLETELY I LOST MY FAMILY I HAVE A SON WHO IS NOW XXXX YRS OLD I LEFT MY WIFE BECAUSE OF THE FINANCIAL BURDEN CAN PAY IT OFF BECAUSE THE INTEREST IS SO HIGH I AM ALWAYS HAVE A MONTH BEHIND I AM ONLY PAYING THE INTEREST NEVER WILL I CAUGHT UP IN PAYING IT OFF. I AM A MALE XXXX YRS OLD MY HEALTH SITUATION IS VERY POOR I ONLY MAKE LESS THEN XXXX DOLLARS WEEKLY I LIVE ALONE IN A APARTMENT PAYING XXXX XXXX DOLLARS FOR RENT THAT NOT INCLUDING GAS BILL WATER FOOD CABLE CAR INSURANCE TAX ETC ETC ETC I AM ALWAYS POOR BROKE AND NO FOOD TO EAT. MY LIFE IS MISERABLE, I NEED HELP THERE IS NO ONE TO HELP ME PLEASE, TELL ME WHAT SHOULD I DO NEXT. AND THERE ARE. XXXX XXXX AND THERE ARE XXXX OF PEOPLE THAT I KNOW ARE IN WORSE SITUATION THEN MY SELF. THESE SCHOOL ARE DESTROYING PEOPLES LIVES. THE LOAN BANK IS PARAMOUNT CAPITALGROUP XXXX XXXX XXXX PA XXXX THANK YOU.
Consumer complaint received 2015-08-28
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Delbert Services (VA)

I just received a call from XXXX XXXX starting I owe an outstanding balance of {$1400.00} from a payday taken from western sky back XX/XX/XXXX, I advised them I have been making payments to Delbert Services for a settlement that was agreed upon in regards to this loan. They told me the loan id is not the same and it XXXX be a different loan. XX/XX/XXXX I was advised this loan was sold to XXXX XXXX ID XXXX from Western Sky and I made two payments on XX/XX/XXXX cash call sent this to Delbert Services ID XXXX and they have been debiting my account for almost a year to satisfy a settlement reach with employer XXXX XXXX. Now XXXX XXXX also known as XXXX XXXX XXXX is trying to collect. Both Western Sky and Delbert services is gone out of business and I can not contact them due to legal issues and the supervisor at XXXX tells me they sold the loan to XXXX and I advised them apparently the wrong acct number was sold and they trying to collect on an incorrect balance.
Consumer complaint received 2015-06-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

I am the victim of identity theft. On XXXX XXXX, 2015, I received an alert from a credit monitoring service that someone ( likely the person who has been fraudulently using my social security number to attempt to take out loans and obtain other lines of credit ) had attempted to open a line of credit with American Honda Finance using my social security number, or other personally-identifiable information. This showed up on my credit report as an ( erroneous ) inquiry. 
I telephoned American Honda Finance ( " AHF '' ) on XXXX/XXXX/2015 to request removal of this fraudulent inquiry from my credit report, speaking with " XXXX '' ( the only " XXXX '' at the call center ; he would n't give me his employee ID number or extension ). I spoke with XXXX at length, but he refused to assist me in any way. He repeatedly insisted that my only recourse was to call the credit bureaus ( e.g. that as a consumer, I could not request assistance from AHF directly ). This, despite my *repeatedly* telling him that under federal law ( the Fair Credit Reporting Act Section 623 ), as a furnisher of information to credit bureaus, AHF is and was *required by law* to assist me to resolve the fraudulent inquiry as a victim of identity theft. I asked to speak to XXXX 's supervisor, but XXXX repeatedly refused to transfer me - or to give me the phone number of AHF 's fraud or credit department. 
In short : AHF is in standing violation of the Fair Credit Reporting Act in providing me absolutely no recourse, as a consumer who is a victim of identity theft, to dispute this fraudulent entry on my credit report.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have not received a final response, however I challenged with all XXXX bureaus a falsely identified item ( listed as a judgment entry which was later appealed and removed ) XXXX of the XXXX bureaus successfully removed the judgment from my credit file. However, I have had to file another investigation with transunion in which I argued that they did not investigate anything because if they did they would have removed the error like the other XXXX agencies did. I shortly thereafter received a letter that they would not be investigating any complaints on my account because they believed they were n't coming from me. I called and verified that they were coming from me and they need to work on the issues I am presenting while trying to clean up my credit report. 

To this date, the item has not been removed, it was originally to have been investigated more than 60 days ago.
Consumer complaint received 2015-06-06
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (CA)

I recently was informed by U.S. BANK that they had put me on XXXX in XXXX 2013 for Automatic Teller Machine Abuse. I owe U.S. Bank no money or repayment of any kind, however they refuse to give me any documentation confirming this. 
I am a XXXX, XXXX, on permanent XXXX, and suffer from XXXX. In XXXX of XXXX I inadvertenty put a non-cashable item into their ATM. The very next morning I was at same branch and apologized and rectified my error. And for this oversight on my part they place me on XXXX for XXXX years?! That 's quite severe for an error in judgement, for which no monetary debt is owed to U.S. Bank. 

Please investigate this incident. I 'm requesting that I please be removed from XXXXRespectfully, XXXX XXXX XXXX