davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This is the email I sent to them. 

I Have a deposit on hold for XXXX dollars. I have not had a hold like this before and Have XXXX insure payments that I can not change because it is already in process. This is going to cause a problem for me. As such I have my payroll deposit coming thru on this Thursday and have a mortgage loan that will be pulled out that day that will be using some of this money. This is unacceptable and will be causing major problems. Its not like you have a ATM anywhere and i mean anywhere near me. The closet one would be in Georgia. You also can not cancel the deposit so I can go into my business bank account to get money out and then go to a store and get a money order and then find a ups store so I can deposit cash. because you already have that money tied up. Does this really sound convenient? I now have to try and scrounge up and hope XXXX that my insurance does not go thru and try to find some cash to go thru the task of putting some cash into my account. Come on guys/gals I have been a member for 15 years. There has got to be a better way really.
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Consumer Portfolio Services, Inc. (MA)

I received a decline letter addressed to a XXXX XXXX at my address. I did n't notice the name until I had opened the letter. Upon seeing the company name CPS ( Consumer Servicing Center ) I contacted them to have it corrected and they could not locate either the name - XXXX XXXX and or my address XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2015-09-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Thank you again for helping me resolved my property issue that i do legally have the privilege to own but my bank Ocwen loan servicing LLC would continue to lie and cover up their illegal forclosure on my property that i purchased in XXXX i have faxed you my legal notarized documents of my payoff letter my reconveyance also the Attorney XXXX XXXX XXXX, also known as XXXX he has never worked with me on my issue with ocwen he poped out of nowhere after i diligently asked ocwen since XXXX to quiet my title by putting me back on my title they refuse to do so they continue to push me away with their lies and fraudulent behavior even attorney general XXXX XXXX sued ocwen who is homewardrresidential, and American home mortgage servicing all fall under ocwen, ocwen illegally forclosed on my home i was apart of the national ocwen settlement whose home was illegally foreclosed on by Ocwen in XXXX. XXXX ocwen attorney our liars the first attorney XXXX has left the company and now XXXX XXXX. XXXX has just left the company and Ocwen ombudsman dept. XXXX XXXX is telling ocwen staff not to talk with me please help me stop this bank.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TFS FINANCIAL CORPORATION (OH)

I would like for CFPB to publish my complaint, so that others in in my position would not have to incur the frustration and stress that I 've had to endure. My complaint is with Third Federal Bank. I am a XXXX XXXX year old women, with COPD. I 've have been trying to work with Third Federal Bank work with me to modify my mortgage. I was denied because I no longer bring the same income as I did when I was working. 
My first modification my mother was allow to assist me with money per month to add to to help with my income. But when my mother took ill her self, I went back into the hospital. I attempted to get another modification based on my income alone, seeing as though my mortgage was over have of my monthly income. I gave them all the information, they asked for and told them my mother was willing to to help me still monthly. I was told no, I did n't make enough money and that I needed, to just let my home go and look into a XXXX XXXX place. I have owned my home and have tried everything to hold on to it, for 14 years. I fear I 'm being pushed out of my home, I was told it was too late to too late to save it because. it went into foreclosure XXXX, XXXX 2016. Now I have no place to go, with XXXX 24hrs. a day, on a fixed income. Please Help ... ..
Consumer complaint received 2015-07-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NY)

I have a debit card with TD Bank. I have been charged for overdraft transactions that I have n't agreed to. The reason for the charges, as they explained me at the bank, was because the check I deposited was not cleared when I proceeded to use my debit card. As such, I was charged the amount of XXXX dollars each time I used my debit card during the time my account had XXXX funds available ( XXXX dollars in total ). As a debit card holder, I assumed that I would not be able to proceed to transactions when my debit card has XXXX funds. I never agreed to such charges or the service provided as a " courtesy '' from TD bank as the employer of TD bank told me. Important to note that when I opened my bank account ( at XXXX, XXXX location ) they did n't point out that such a service is provided for my account. To me, this does not seem as an implied term, but rather corresponds to misleading information and unjustified enrichment by the part of the bank. The purpose of having a debit card was exactly this, to avoid overdraft charges!!! While using my debit card I was not aware that I did not have enough funds and I did not consent to any overdraft charges.
Consumer complaint received 2015-09-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Scott Fetzer Financial Group Inc. (IL)

I was coerced into buying a XXXX vacuum by the owner of the XXXX WI company XXXX XXXX, the salesman ( my boyfriend ) and his manager on XXXX/XXXX/15. They told me they wanted to make quota for the week and that they could resell the equipment and pay it off before monthly payments started up. This had been done before and I should n't worry about it. The manager filled out the sales contract and had me sign it. United Consumer Financial Services said they called my place of employment to verify income and verified the purchase with me but they never did. I 'm a XXXX, living at home and XXXX, I 'm not employed. And my mother is joint owner/signer on all my financial accounts. We have tried to resolve this issue with the company for 10 days with the XXXX but the company refuses. UCFS when contacted, said they verified employment and income but there is no employment or income so who verified it? We asked for a copy of the loan application to see who filled it out and what was written on it, from both XXXX XXXX XXXX and UCFS but neither one would supply it. We just want to return the equipment and cancel the loan. These are preditory and fraudulent practices and should n't be allowed to continue.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Arbitration Forum (CT)

Hello:
I have gotten calls from tel.XXXX or sometimes is an unknown number.
First call XX/XX/2016 a Investigator. XXXX call                        XXXX- have a court summons to deliver friday XX/XX/XXXX with an officer he ask for me to secure my weapons and animal for his safety etc I still have the message recorder threatened me and after my call this person called my son and my sister harrasing as well.
Thurday XX/XX/XXXX another call but now this person is calling himself office XXXX about check fraud which is untrue this person call my son and my eldery parents harrasing them as well.       
I dont know who they are or what they want please help put a stop to these harrasing phone calls. I have saved all the messages in my phone.
Consumer complaint received 2015-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (NC)

The Credit Protection Association attempted to contact me to collect a 4 year old debt. They contacted me multiple times in XXXX of 2015 over the course of a single week. I told them that I required validation of the debt they were trying to collect, and that I did not want to be contacted again until they provided that validation. They contacted me again in XXXX, and I again reiterated that I required validation of the debt and to stop contacting me because they were violating federal law. 

In XXXX ( around the XXXX ) I got a call from the original owner of the debt, XXXX XXXX XXXX XXXX. After several calls back and forth, they were able to determine that I did not owe the debt and that they would resolve the issue. 

Imagine my surprise on XXXX XXXX when, still having not received any validation of the debt from the Credit Protection Association, and knowing that I did n't actually owe it, the Credit Protection Association went ahead and reported the account as being in collection to all XXXX major credit bureaus. 

Now they are telling me that they 'attempted to send me the validation ' and that it is not their responsibility to resolve this issue. They said it will be 30-45 days before they can even get the information back from the original creditor, and that they can take no action before then to resolve their fraudulent reporting to the credit bureaus. 

This predatory collector has violated several federal laws by harassing me, failing to provide validation of the debt ( no surprise because I do n't owe it ), and fraudulently reporting to the credit bureaus.
Consumer complaint received 2016-03-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (CA)

The details are in the attached letter that was sent to the bank. 
I was pressured into giving up my car and buying a newer one a at XXXX XXXX XXXX, CA. This matter is with the banks- Firstly, the bank issued a loan that I had no ability to repay. My income was, and still is {$480.00} that I receive from the VA for my XXXX. 
Second issue, the bank unilaterally changed the contract by altering the interest rate. 
Third issue was a disaster when the vehicle was repossessed. They mis-handled funds, sent letters saying they would do one thing and then did another. The entire evolution was a XXXX show. Excuse the language. 
Please see the attached letter I have sent to the bank. They did not respond to the letter, nor claim to have received it. I guess I ca n't prove that either way.
Consumer complaint received 2015-05-25
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

XXXX XX/XX/XXXX I was served summons XXXX. XXXX Weltman , Weinberg & Reis these companies are n't licensed in Pennsylvania checked on sec. states. I did find XXXX XXXX XXXX XXXX Entity Number XXXX. 

Sued By XXXX XX/XX/XXXX through its servicing Agent XXXX. XXXX Weltman , Weinberg & Reis judgment {$6800.00}. Kept paying WW & R until XX/XX/XXXX discovered not Licensed. 

Magisterial District number XX/XX/XXXX XXXX XXXX XXXX docket Number XXXX Plaintiff XXXX Bank through its servicing Agent, XXXX XXXX Weltman , Weinberg & Reis CO. , LPA XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX. Attorney Name XXXX XXXX XXXX Attorney ID XXXX. XXXX XXXX or WW & R Ca n't find on Pennsylvania Sec. StatesOn NMLS Debt Management and Debt Settlement licenses, Found XXXX Bank XXXX XXXX, DE XXXX NMLS I .D XXXX, MLO XXXX does n't specified Debt management or settlement found XXXX Bank License/Registration # : XXXX Mortgage Lender License Weltman , Weinberg & Reis licensed in XXXX XXXX FL. XXXX XXXX XXXX OH. XXXX XXXX XXXX OH., and XXXX for Debt Management or settlement not in Pennsylvania. 

XX/XX/XXXX Checking account Garnished in RE : In the court of common Pleas of XXXX XXXX, Pennsylvania Case XXXX of XXXX Bank through it servicing Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX. attorney XXXX XXXX XXXX PA Attorney ID : XXXX XXXX XXXX XXXX XXXX XXXX was served with a writ of execution and interrogatories to garnish checking account. XXXX XXXX Bank on XXXX charged {$190.00} for legal Fee. 

Hearing on XX/XX/XXXX In the court of Common Pleas XXXX XXXX, Pennsylvania XXXX Bank, Through its service agent XXXX Plaintiff XXXX XXXX XXXX, XXXX PA ID XXXX Attorney vs defendant XXXX XXXX XXXX Civil Action XXXX of 2013. Ca n't find XXXX XXXX XXXX, XXXX or XXXX on Pennsylvania Sec. States. 

I have been lied to for 3 years from this SO Called Law Firm.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (AP)

I am a veteran but I am currently an XXXX XXXX dependent XXXX with my wife in XXXX, XXXX. I bought a condo in XXXX, XXXX in XX/XX/XXXX. XX/XX/XXXX was the recession and the drop in housing. I left my job there in XX/XX/XXXX and moved to XXXX for a different job. I was renting out the property without issue until I lost my job in XXXX. My loan is with Select Portfolio Servicing. It 's an XXXX loan and I believe the XXXX % belongs to XXXX XXXX. With losing my job, I could n't pay the mortgage. I tried and tried for a short sale but was denied at every turn. I did n't feel like it was ever a possibility. I subsequently had to file for bankruptcy in XX/XX/XXXX. They kept coming after me for the money even after the bankruptcy went through. Because I could n't really help myself in the states and had no one close to the property, I retained a lawyer about a year ago to handle figuring out when/if the place was ever foreclosed on. The lawyers have been doing a decent job keeping me posted but I feel like the mortgage company is dragging their feet on purpose. I believe the property is currently going through a sheriff sale but I have no idea. I ask the attorneys, they say it 's not on the list, and it has n't happened yet, and they 'll get back to me. I believe the problem is with the mortgage company or the state. All I want is some transparency. I want to know why I was n't helped with a short sale. I want to know why I was n't really helped with this situation at all. 

Also, this entire time, I have accruing association fees at $ XXXX/mo. because my condo was a part of an " association ''. This happens even if I 've declared bankruptcy and could not pay. How in the world is this fair? The property belonged to the state of XXXX ( where I declared bankruptcy ) since XX/XX/XXXX.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX Bank sent me an XXXX for {$2400.00} a credit card account back in 2014. I added it to my tax return and I thought they would update the balance with the credit bureaus. However I looked at my credit report today and it is still reporting a balance of {$2400.00}. This negative reporting is hindering my credit report and score and I would appreciate it if you investigated this account with XXXX.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (TX)

Last year, I began receiving fraudulent electricity bills at my address with my name and address from XXXX XXXX for a service address in a different city over XXXX hours away from where I live. I repeatedly called XXXX to try to resolve this problem but was brushed off and lied to. I spoke with customer service agents, fraud department, billing and collections and even the office of the CEO. I was told over and over again that there was nothing I could do because I was not listed as an authorized user of the account. They said I should not worry because they had another party listed as the account holder. They could not or would not look into or explain how my name had been linked to this account. I asked for my name and address to be removed from the account but was told I could not because I was not an authorized user of the account. I was assured that there would be no repercussions and that my name did not even show up on the main account information page. XXXX refused to investigate, refused to accept a dispute, refused to take a complaint over repeated calls for months. 
Finally, the account became delinquent and we began to receive notices from XXXX and then from a debt collection company. I immediately contacted the debt collection company, who were helpful. They told me that XXXX had sent them the account with only my name and address, despite the fact that XXXX had told me over and over that I was not responsible for the account and could not make any changes and that there was another person name listed as primary responsible party for the debt. In short, despite all of this, when the account became delinquent I was the XXXX held responsible for the debt. They also told me I needed to and was entitled to file a dispute with XXXX. I called XXXX to confront them with this information and threaten legal action through a complaint to the PUB. In response, XXXX now, finally, claims to be taking action to clear my name, remove my address from the account and send a cease collection notice to the debt collection company. I have yet to see proof of this, and they do not intend to send me any proof. I fear that this negligence and incompetence on their part will end with me having to pay a debt that is not mine in order to clear the record of this bogus debt now associated with my name and address. And even if they have taken action to correct this fiasco, I can not forgive the months of incompetence that preceded it. 
I want to reiterate that at this time, GC Services collection company is NOT in any way responsible for this, as they explained to me that XXXX sent the wrong information to them. I hope this will continue to be the case.
Consumer complaint received 2015-05-26
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

I signed up with the .001 % loan rehabilitation program with Financial Asset Management System ( FAMS ) and XXXX for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the FAMS representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. Financial Asset Management Systems misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked FAMS about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-19
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. (NC)

I am writing to formally notify you that I am a victim of a data breach, and as a result, I have become aware of fraudulent accounts that have been opened in my name without my authorization. I am requesting that all of the following accounts be immediately blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$6600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$7200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$0.00}
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (VA)

PHH purchased our loan in XXXX. Unfortunately, the previous servicer, XXXX, did not tranfer the full escrow balance over due to an error on their end. PHH recalculated our escrow and payment. This shortage was finally rectified at the end of XXXX. PHH received almost {$1600.00} which was supposed to go back into our escrow account per the instructions in the wire transfer and matching all notes and communication I have had with PHH. I have been following up ever since to get the escrow analysis redone, and the payment back to the original payment upon closing XXXX 2015. We are still waiting for our loan escrow to be analyzed again so we do n't have to worry about our automated bank payment that was set up in XXXX. ( At one point, they had XXXX different payment amounts for us. ) We made a payment in XXXX 2015 for the actual amount, already set up at our bank, not the new payment which was {$200.00} higher than our loan agreement. I was assured this would go towards XXXX w/no late charges. 
We have not even had this loan a full year and continue to have issues with sub-standard servicers. PHH reps do not speak English and I can not understand them very well so I use there email service. I also have checked the online account for current info. No one reaches out to me with full summaries of where the escrow money went, when it was posted and when the analysis will be complete. They just send statements, payment bills and respond to emails with short, partial answers that do not even begin to address my inquiry.
Consumer complaint received 2024-08-30
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. (AZ)

They said that I did not upload the correct documents for them to continue investigating my identity theft dispute for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I have attached the ftc report that they are now requesting.