davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

We had a mortgage with Indymac. We attempted to refinance and discovered that the mortgage lender Indymac was in XXXX position on the title, and our HELOC lender XXXX XXXX was in XXXX position, so that made us unable to refinance. We asked Indymac to correct their paperwork, but they knew they were going to be bought out by OCWEN, so they did nothing. Once OCWEN bought our loan, I informed them of the error on the title made by the title company. OCWEN is now suing us and XXXX XXXX ( who the HELOC is with ) because our name is on the title, even though we did not make the error. It is completely unfair to be caught in the middle of this XXXX huge corporations, when we have never missed a payment or been late, and now we have even more expenses from having to hire legal representation.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (ID)

Ditech Mortgage sent a statement to me that said my escrow was in the negative by XXXX some odd dollars and I could pay that amount or have a XXXX plus charge monthly on my payment. I payed the escrow instead of having an added charge to my mortgage. I then received my next bill and they had added the charge and incorrectly posted the XXXX to the principal. I was told I had to email the info and it would be taken care of it was not. My next statement had the XXXX plus dollars added, I called and explained the person said it had not been resolved at the time but it should be by the time my next payment was due and I asked if they were going to reimburse the overage and she said no that it would not be reimbursed because it was a correct charge for the time even though I had paid the escrow months before. I asked to speak to a manager and she said they were backed up. This is a scam to collect more money. I understand that it is not a large amount of money but if you nickle and dime enough people you stand to make a killing. This can not be legal.
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MI)

My student loan servicer, Nelnet, harasses me and threatens me with default even though I have made regular, steady payments. Often more than one payment a month. On my credit report, my loans are reported as XXXX different accounts. When my payments are made, Nelnet applies them to just XXXX accounts. The other XXXX accounts appear to have no payments at any time. I have inquired to Nelnet and they have never responded. They continue to send me letters, emails and leave phone messages requesting additional payments..
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (MS)

I recently filed a complaint with XXXX against Paragon revenue company filed number XXXX about submitting negative information on my XXXX report. They agreed to delete the information and remove all of the alleged debts from there office.. on XXXX/XXXX/2017, I received an alert from my XXXX and Paragon re- inserted the debt back onto my report which has caused a XXXXpoint decrease to my score ... I called to confirm with XXXX and it was put on there again for the amount of XXXX .. I have tried to be a great consumer and be in compliance with this company. I have enclosed all documentation about this company. .I have paid the original CREDITOR for the alleged debt ... I have recently started the process with a local attorney against Paragon.. This company has violated several laws ... I was in the process of closing on my home on XXXX/XXXX/2017, but when Paragon added this debt to my report it decreased my chances of closing ... I have enclosed documents from Paragon as well as XXXX who is the debt was old too..
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (IN)

XXXX XXXX opened a credit account with Synchrony Bank without my authorization. I have tried numerous times to contact Synchrony to close and remove it from my credit, and I have also contacted XXXX XXXX.
Consumer complaint received 2016-07-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: LendingPoint Holdings LLC (MT)

First they said I did n't make enough, that was a mistake, they told me to reapply, I reapplied, now there 's supposedly something on my credit report. The requirement is based on a credit score of XXXX and above based on experian credit reporting agency. My credit score as of XX/XX/2016 according to experian is XXXX with no negative accounts, I repeat, NO NEGATIVE ACCOUNTS. So at this point I am receiving rubber stamp denials by a company I do n't think really gives out loans.
Consumer complaint received 2017-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

I am attempting to refinance my mortgage to payoff some debt. Title company and new mortgage broker have requested that CARRINGTON resolve lien on file related to prior mortgage company XXXX ( bankrupt ) which should have been resolved in XX/XX/2015 with my county. Requests make by phone and email. CARRINGTON not responding in a timely manner which has delayed my refinance now 39 days. This is jeopardizing my refinance process.
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

while I lived out of state, a niece, XXXX XXXX XXXX, cared for my now deceased mother, XXXX XXXX XXXX, who had XXXX. I now reside in XXXX, SC, since my mother 's death. 
My mother banked at the only Wells Fargo ( originally XXXX, then Wachovia ) Branch. XXXX XXXX removed my name off of the joint accounts ( checking and savings ) that I shared with my mother, and placed her name and the name of XXXX XXXX XXXX on the accounts. She then withdrew money from the account and gave it to XXXX XXXX XXXX, who opened an account at XXXX with himself and my mother as the account holders. 
When I relocated back to South Carolina upon my mother 's death, I was still using my bank accounts that I had established in California, so I did not immediately discover the fraud on the Wells Fargo accounts. When I subsequently went to Wells Fargo to access the accounts, I was told that I was n't on any accounts with my mother. 
At no time had I given Wells Fargo permission to remove my name from the joint accounts that I shared with my mother. Since Wells Fargo allowed an unauthorized individual to place her name on my and my mother 's accounts, we lost an estimated XXXX dollars ( {$25000.00} ) due to this negligence.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

In XXXX, I co-signed for a student loan for my nephew from a private bank which was not backed by XXXX XXXX. He graduated in XXXX and unbeknownst to me was making payments sporadically. 

In XXXX, I had to declare bankruptcy due to medical reasons and all my debs were discharged in by XXXX XXXX including my nephew 's student loans. 

My nephew stopped making even his sporadic payments and XXXX came after me. I informed them and submitted to them my bankruptcy discharge papers to them. This did not satisfy them. They kept calling and harassing me. 

Eventually they sold off the loan and my nephew ended up paying off the loan in full in XXXX yet XXXX kept reporting on my credit report and impacting my credit score as a charge off. 

To add insult upon injury they provided my nephew with a letter but they refused to provide me with a letter saying my name is not on the account. I have tried to dispute the account on my credit profile but the idiotic incompetent agencies keep listing this debt as verified and accurate. They then advised me to call the number on the credit report. 

When I tried to call the number on the credit the number of course was disconnected!!! Equifax, XXXX and XXXX are totally useless.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

I recently read about the deceptive tactics of Wells Fargo Bank. I currently have a checking account and savings account with Wells Fargo. I have had both accounts for many years. I previously began receiving a lot of insufficient funds and bounced check notices from Wells Fargo. I could n't understand how my account could be overdrawn when there was always money in my accounts. Please investigate this as I believe that I am a victim of Wells Fargo 's predatory bank practices. I am XXXX years old so I am sure that they have taken advantage of me due to my age.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

I asked the credit agency to dispute the information that is on my account because it is inaccurate. They did what they call an investigation and said the information was to remain on my credit report. I do n't believe a investigation was done and I sent this information certified mail which got me to get no result. I have looked over the information from the credit agency and it is wrong on many levels which I have highlighted in my documents.
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have been a Capital One credit card holder for many years. I have never missed a payment. Earlier in the year, I missed the minimum payment by mistake ( although I did make a payment ) and I did not receive any correspondence on this issue from Capital One. They have sense charged me a XXXX dollar a month fee every month sense and recently charged me late on my credit report for XX/XX/2016. As soon as I was made aware of the issue I resolved it with them. But this required me to call customer service and go digging around in past statements. I am very upset that this issue took a year to resolve, hundreds of dollars and XXXX communication from Capital One. Also in reviewing my credit card statements in trying to resolve with Capital One I could not get an explanation on why I was charged a late fee in XX/XX/XXXX when the payment was made. It just appeared on my next statement.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

have been a member of transunion reporting service for over 10 years, went to check my report the other day and my service was cancelled and i was told i need to reapply and pay double my old rate. my credit card was still active and yet we never received any messsages about why they would have cancelled the service. they claim my card had expired yet it is could through XXXX 2016, then they said i cancelled the service which isnt true. when we contact them they shift us from on uneducated foreign speaking person to another. then they will not let us speak to a manager to escalate the issue and then finally provide us with name of a person who when we call to talk with him he is never in. finally whoever then we are routed to wants to start he discussion from scratch as if they have no notes of our complaint or our conversation. we have also filed a complaint of consumer frauf with the illinoi attorney generals office
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc. (NY)

I had a timeshare over 10 years ago was paid off and I told them to keep the timeshare I do n't want it no more. I stop paying the maintenance fee each year. Timeshare said I was stuck with them for 30year which I was never advise about this or even sign any documents making me aware about a 30year. Anyway timeshare was paid off and I do n't want it at all. I have never use the timeshare which was a bad investment making me loose over {$10000.00}. Timeshare is with XXXX.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

euifax and Experian have-not allowed me to check my credit report. Experian specifically will not allow me to check my report without payment. XXXX does not allow me to enter at all.
Consumer complaint received 2017-01-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NJ)

Since XXXX, I have been charged unexplained fees to my mortgage. On XXXX XXXX I became aware that my XXXX payment came back NSF. At that time, I called and spoke with a representative and paid the past due payment, late charge, and NSF along with a {$15.00} fee to make payment over the phone. When I went to pay my XXXX payment, I noticed their were {$70.00} of unexplained fees in the payment amount. At that time, I called and spoke with a rep who took my payment over the phone and told me the fees would be researched but he would waive the late charge and took my payment over the phone. As of XXXX XXXX when I reviewed my account the amount due was the normal monthly mortgage payment. I have not received a new billing statement as of XXXX/XXXX/17 and one is not available online. When I went to schedule my mortgage payment on XXXX/XXXX/17, the amount due has {$70.00} of unexplained fees assessed again. At this point I am unable to schedule a payment and this will cause my payment to be late because I do not have the {$15.00} to make the payment on the phone. This is causing a huge inconvenience. The mortgage company has still not followed up with me about last month and the fees that were assessed. I am afraid this will become a revolving cycle month after month. I
Consumer complaint received 2016-10-23
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: Blackhawk Network Holdings Inc. (MI)

I was sent a prepaid card unsolicited that supposedly contained a rebate for a purchase I made. I did make the purchase but did n't request the card. The fees and challenges of using the card made impossible to apply its balance to purchases. I have since received a second card unsolicited, which I am refusing. The card comes from Blackhawk Network, associated with XXXX XXXX XXXX XXXX, SD. The rebate was for XXXX products manufactured by XXXX XXXX.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (OK)

I received an email XXXX/XXXX/XXXX from Chase stating there had been " Unusual activity '' on my credit card account and they had closed it. Instructions were included to log on and reactivate. I closed this account years ago so I phoned Chase ( XXXX/XXXX/XXXX ). We figured out the email was fraudulent but during the call, I was informed there was a {$36.00} balance. They informed me of the last XXXX digits of the card, the date it was opened and the date closed ( XX/XX/XXXX ). I was placed on hold while the person attempted to locate someone to answer my questions regarding the balance. ( Where, by whom, when, etc. ) They were unable to find anyone to help me so stated someone would contact me and they gave me a direct number to call if needed in the future. As of XXXX/XXXX/XXXX I had not yet received any correspondence or communication so I phoned them again. I spoke to XXXX different people ( XXXX & XXXX ), was connected ( mostly on hold ) for XXXX. They stated they could not retrieve the information nor anyone to help me with my questions. I requested a supervisor and was told they were not available. I then requested the computer notes they had been inputting but was told they could not provide those. I requested the organizations/agencies which govern credit card companies as I needed to find someone to help me resolve this. XXXX told me she did not know of any. She offered no further suggestions on how to resolve.
Consumer complaint received 2016-09-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I am a XXXX. My work would be slow. When XXXX was servicing my loan, I would get behind but was always given the opportunity to bring everything current as I would never let it get more than 3 months delinquent. When the servicing transferred to Carrington Mortgage Servicing, I got behind by three months. In that third month, I sent in a payment. Approximately two weeks after sending the payment, I was getting ready to send a second payment when I received the first payment returned. I called to ask why and was told " you have to pay the entire amount because FHA rules state once you are three months behind you have to pay the total delinquent, it is n't Carrington rules, it 's FHA rules. '' I told them I was confused because that had never happened with XXXX and had not known that information, in response I was told " then XXXX was breaking FHA rules ''. I asked if there were any other options and I was told no. Because I did not have all of the money at that time, only two payments instead of three, things just got further behind. By the time I had the three months payment, I was four months behind and so on. 
I called again when I received the notice of default and asked if there was anything I could do to make some kind of arrangements and stop the foreclosure process as I was close to the amount needed to catch up on the delinquent amount, I was told I would be mailed information. I did not receive any additional help or information. I then decided my only option was to sell my house so I could hopefully avoid foreclosure on my own. 
I am now almost done with selling my house and called to ask if there was a way to stop incurring fees or stop the foreclosure process since I was close to being able to have the house sold. I was told no, the only way to stop the process is ask for a payoff and then pay it and that I would continue to receive penalties and attorney fees until then. 
In talking to a lender I am told that I should have been given a point of contact once I was sent the notice of default. To my knowledge, I have never received such a person. In the " foreclosure package '' I received, there is a document that that has a box checked that states that I was " personally contacted and options were discussed. '' by Carrington. This did not happen. I have been given no option other than, pay everything. Even as I called today and recorded my conversation, the representative again told me there is no option to stop the foreclosure process or incurring fees other than to request a reinstatement amount and then pay that with all penalties and fees and also a reinstatement fee or to ask for a total payoff amount and pay the loan off completely. Until I do that, nothing else can be done and attorney fees will continue to accrue. I do not feel that I have been helped in any way and had I been sent to a path of correction when I was only a few months behind and had two months of that delinquent balance, I would not be in the scared position that I am today.
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TFC Group, LLC (CA)

I did a loan on my car with TFC. I gave them a check in XXXX to pay my registration and send me the tags. I was to get a credit of {$200.00} off my first payment as well due to me pointing out some hings on the internet about them. This came from the owner XXXX. I did not make any payments since I never got my tags nor coupon book not even the email confirming the credit. Then was getting calls that my car payments were late. I explained to several people over the phone the situation and all they wanted was the money. I finally got my tags in XXXX along with the credit on the XXXX of XXXX. By that time they repossessed my car. This was just fraudulent and I do not believe they intended to do anything but get the car. Once they took the car, I was never informed of where it was to get any personal belongings, never told if sold or not, all communication basically stopped shortly after. I requested several times to go and get my things and also pointed out when am I going to get notice of 10 days prior to the sale and received nothing in return. Also one day the repossession fees are {$400.00} and then the next {$500.00}. How do they go up and I was told that the state only allows {$220.00} as well. In the contract you see my signature on one page and that is it. I do not recall if I signed more pages but I am sending the contract to show. On the check I gave them for the tags, the number came from them. On the registration, there is no late fees showing due yet they say I owed more and that was part of the problem. I was not going to pay more money to them just because they say I owed more when the number came from them.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Equifax made mistake of my social security number but they do not want to take the responsibility. I ask them twice, first time they said they put my wife 's name under my social security number, second time they said the security number is wrong, I do n't know which one is right and who I need to believe.
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: National Enterprise Systems, Inc. (SC)

National enterprise systems sent me a letter to sign inorder to participate in their loan rehabilitation program. the stated the principal balance remaining on the loans and they listed collection cost of almost {$4300.00} which aggregate the loan balance by that amount of money. I called them and said that they should collect the additional cost from the company who is asking for the money, not me. The person that I was talking to said that i agreed to pay collection costs when i said the original paperwork. 
My complaint is that these student loans are not designed to be paid back, they are set up to keep people in perpetual debt. Why does the student have to burden that cost of collections when they are already burden with the debt of paying back a loan in order to get an education. The only cost I, the former student and all students, should be responsible for is the actual cost of the education, as those cost are already exorbitant. 
We should not be charged for collections cost especially when our education does not guarantee jobs that are paying enough for us to be able to make and type of decent payment on our loans? thank you
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have noticed multiple inquiries on my credit card report even for my employment where I 've been for the past 4 years. These are fraudulent and I am requesting they be deleted immediately. There are 10 inquiries.