davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Hi, My name is XXXX. My address is : XXXX, RI XXXX.My date of birth is : XXXX.My social security number is : XXXX 0n XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX '. I told them if their financial institution which is " XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which were not authorized ( TransUnion ) are 1.XXXX - XX/XX/XXXX 2.XXXX -XX/XX/XXXX 3.XXXX -XX/XX/XXXX 4.XXXX -XX/XX/XXXX 5.XXXX -XX/XX/XXXX ) I did not give permission to run my credit from all those instititions and banks except " XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help.
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I had sent a notice to Navient on XXXX XXXX, XXXX regarding private school loans they are showing these loans as open and past due even though they had charged them off and last year had sent them out for collections and were harassing me about them. I am including a copy of that last notice, but want them to remove these from their system and stop requesting payments : XXXX XXXX, XXXX Navient XXXX, PA XXXX Re : XXXX - Account # XXXX To whom it may concern : I am writing to inform your company that I will not make any further payments on XXXX of the loans that your company is servicing and claiming still open. These loans should have been discharged in my Chapter XXXX Bankruptcy, however even though no representative from your company or any other attended the creditor 's meeting your company still determined these were collectable debts afterwards. 
Under duress of legal action against me I was pressured to make the last payments on XXXX XXXX, XXXX towards each of the loans. 
Since then I have informed your company and debt collection agencies you have employed that I will not be making further payment on these private loans. Under the California Civil Code the statute of limitations of four years from the last payment has expired and they have become legally uncollectable. 

Therefore under this law I am demanding no further action should be taken to obtain payments or settlements of the below noted loans including notices, solicitations or requests of any type including Navient 's website which continues to show these as late and is demanding payments to be made. 
I have worked to resolve the federally insured loans having consolidated the debt and will continue to pay on those consolidated loans. 

I am also demanding an acknowledgment from your company of this matter and that these should no longer be reported as open debts on your website or any other records of your company. 

The loan numbers are as follows : XXXX XXXX XXXX Sincerely, XXXX, CA XXXX They did not respond to my letter in any way and continue to show these as delinquent on their website and any time I try to make payments on loans that I have put into a modified loan their system still asks for payment.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'be submitted a complaint about how deceptive this bank is now charging me overdraft fees for transactions that do not match my transaction history, now all they can tell me is that they ca n't do anything about it. I am sick of this bank, and sick of filing complaints and playing phone tag with its representatives. I just got off the phone with XXXX a customer service associate and as per usual I was told the same thing I have always been told ; " There 's nothing I can do ''. When I asked for her name, she refused, so I asked for a manager and spoke to XXXX, and I asked for her associates name XXXX. I ask XXXX NOT to waste my time by trying to prove me wrong, I asked her NOT to be disrespectful and speak over me, and she did both. I am opening an account under my mattress, I 'm SICK OF DEALING WITH A DECEPTIVE BANK!!!!!!!!!! 

I just want my {$70.00} fees waived asap.
Consumer complaint received 2017-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

Major, FRAUDULENT Billing Errors, with : ALLY ( XXXX XXXX ) Pre-Owned -XX/XX/XXXX XXXX-XXXX. My ALLY Account Number : ends in : XXXX. NEVER, MISSED A PAYMENT. NEVER, LATE ON PAYMENTS. XXXX. XXXX XXXX, with ALLY, is Contact. My XX/XX/XXXX XXXX, Purchased at : XXXX XXXX, XX/XX/XXXX, on XXXX XXXX., XXXX XXXX, GA XXXX. BOTH, ALLY Financial, and XXXX XXXX, Guilty of : " Red-Lining ''. As I received a Settlement from : ALLY, Early XX/XX/XXXX, from Class-Action Law Suit. Early XX/XX/XXXX ; ALLY, sought to " Take-Back '', my Settlement Payment. Therefore, ALLY, Early XX/XX/XXXX, FRAUDULENTLY, added-on, an Additional Payment of : $ XXXX/Monthly. Presently, receiving Two ( 2 ) /Monthly Statements, from : ALLY. The CORRECT Statement, is : $ XXXX/Monthly. The FRAUDULENT Statement is for : $ XXXX/Monthly. WILL, you please assist?? ALLY, admitted to ALL Three ( 3 ) : XXXX ; XXXX ; XXXX ; that BOTH ; ALLY, and XXXX XXXX, are Guilty of : " Red-Lining ''. Most Appreciatively. XXXX. XXXX XXXX. Text/Cell : XXXX. E-mail : XXXX
Consumer complaint received 2015-08-25
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: Universal Account Servicing, LLC (CA)

To Whom It May Concern, This complaints is against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, all formerly of XXXX., and recent defendants of a FTC civil action complaint in United States District Court District of Nevada Case XXXX and XXXX, XXXX , A Wyoming Based Limited Liability Company ( all owned by the XXXX ) and XXXX of XXXX. These criminals are at it again. There was no justice served in their years of defrauding countless innocent victims with their payday identity theft fraud scam so they simply changed outfits and started all over again before the ink was dry on their case filed in 2013. I have several documents to prove my complaint. All available to make sure these criminals are stopped in their tracks. 

I was presented an opportunity to purchase a turnkey fully functioning business with a guarantee of business funding with my good credit to support my entrepreneurial aspirations by the aforementioned ; via my trusted business advisor who no longer associates with any of them due to the discoveries within this complaint. The ecommerce business that was sold to me was to come with pre-existing sales, established web traffic to an existing website, customer service, a XXXX system, media buys all provided by a company reported by the XXXX to be a Wyoming based XXXX under their direct ownership by the name of XXXX. Upon further research I 've discovered all were lies. Nothing was set up with this turn key business by the XXXX. In fact they were doing nothing more than making false claims. Instead of immediately receiving what I was promised I was harassed for finance payment by XXXX XXXX, the shady " lending '' company who supposedly financed the sale of the business on the strength of my excellent credit. Even after I tried reaching XXXX to no avail to discuss my displeasure with the behavior and lack of performance as contractually obligated by the criminal XXXX family I was still harassed at my work place and at home. For this agreement with the fraudulent " XXXX '' I was charged a fee of thousands of dollars for nothing that the Sunyiches nor XXXX XXXX actually provided. The fact of the matter is they are both frauds that should be reinvestigated for all of their current business practices.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (KY)

During the course of my mortgage, there have been several occasions where I have fallen behind on my payments. Each of these times, the mortgage company offers to assist with the problem BUT they have repeatedly tacked on charges in the amount of {$5000.00} or more saying it is legal fees incurred by them for starting the foreclosure process? My mortgage has gone from the original {$90000.00} up to around {$150000.00}. How can they do this? I have been amiss in doing anything about this because I have felt like I was at their mercy and because I HAD TO HAVE a home to live in. Can you help in any way?
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Hired to do a loan modification for our client. Submitted package via facsimile to Wellsfargo. When I called Wellsfargo to do a financial interview over the phone which is their normal procedure I was advised that my client can not be considered for any loss mitigation assistance as he has already had two previous credit decisions in which he was denied for a modification because affordability was not reached. Client was denied is XXXX and then again in XXXX. However, my client 's financial situation has changed and he should be reviewed for workout options to help him save his home. Per lender they can not review the borrower for any assistance based on Wellsfargo guidelines and investor guidelines due to the delinquency of his account. We would like for them to review our client and give them a decision rather than say that they will not even consider him for anything.
Consumer complaint received 2017-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE EMPLOYEES CREDIT UNION (NC)

Once again I have received a letter in the mail from SECU. now all of a sudden my car note is a month behind. When I have my car payment set on automatic draft. On my paydays on the last day of the month before my check is deposited into my account my car payment of {$220.00} is deducted out of my withholdings before I even get my paycheck. For the month of XX/XX/XXXX they refused to take a payment. And knowingly refused to advise me of the situation until XX/XX/XXXX surprisingly that happens to be the same day I got a letter about my account being closed. Which is nothing but retaliation from my complaints to the CFPB. Now they expect for me to make a double payment on XX/XX/XXXX this is totally unprofessional. I have reached out to the credit union and have not been answered yet. I demand answers I will not let this go any further than it already has
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc (FL)

I bought " free sample '' product on the internet, paid shipping. then they charged me {$300.00} or more. I called them, told them I did n't want the product and they gave me an XXXX number to return the product and I 'd get the money back. this was XX/XX/XXXX. In XX/XX/XXXX I get a letter from some saw firm Tate & Kirlin Associates, Inc that I owe money and I needed to send a letter saying that I do not owe any money. I did that. Now I get a letter from the same law firm saying the original letter was wrong and the original creditor was XXXX, which was where i got the original email to return the product. 
I have documentation of all of this and I 'm tired of being harassed with letters saying I owe anyone money. 
I 'm sending the Tate & Kirlin another letter saying I do n't owe anytihing but I was also telling them that I was going to put in a complaint, so that is what I am doing. 
These are Internet scams to get you to but some product for free but you miss the small print where it says they are going to charge you an exorbitant amount of money for the product afterwards. 
I returned the product, made a claim against my credit card and got the credit back. I DO NOT OWE ANYONE ANY MONEY. And I 'm tired of getting these XXXX letters saying I do.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

I 've had a mortgage with Ocwen for the past number of years and had fallen behind in my payments. I was making payments but about 30-40 days late. They sent me an unsolicited modification offer that I reviewed and accepted. I followed the directions ; sent in my trial payments ( 3 months ) and, they, then rejected the mod based on a conflict of names on the title and their loan forms ... I sent them a notarized name affidavit which they received on XXXX/XXXX/16. since then, I have been getting run-around with no resolution. 

My home is the only asset that I posses and it seems that, since they returned my modified payment allegedly because the mod was denied, they are now telling me that they have no idea when this will be resolved and that I am now at 109 days in arrears. 

I am hoping that your agency can get me the approval that I need to continue staying in my home ... from all the claims that I 've read against Ocwen I believe that they are looking to get me to the point where I owe too much to catch up and they get to foreclose. I must avoid that from happening
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I received notification that XXXX medical collection accounts had been added to my credit file. I investigated the collection accounts with the credit bureaus and the collection agencies and found out that a mistake had been made and another person with the same name had XXXX medical collection account and had been mistakenly added to my credit file. During this conflict, I was trying to close a mortgage loan and because of this mistake, my closing date has been delayed and I have incurred additional fees to try and clear this up.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (IL)

Over the course of the last two months, I have received XXXX department store credit cards in the mail for which I have accounts with but the names on the cards were not mine. Perhaps coincidentally both department stores ( JC Penny and XXXX ) are now serviced by Synchrony Bank. After speaking with Synchrony, they indicated someone tried to charge amounts on my card utilizing my SSN but the 'system ' rejected the charges and the account ( JC Penny ) was put on hold in early XXXX 2016 unbeknownst to me. I have been a victim of identity theft for over twenty years and continue to be amazed how easy it appears to be to obtain credit utilizing a name that does not match a SSN given all the new rules and requirements put in place. I asked Synchrony if they have had a recent data breach in which my account numbers and SSN were compromised and at that point the individual stopped providing information/insight. I would like to know the following 1 ) did Synchrony have a data breach recently, 2 ) how they let someone other than myself to approve adding a name to my account and 3 ) why the individual that requested the additional card is not being prosecuted for Credit Card fraud.
Consumer complaint received 2016-05-03
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (WA)

I made a purchase through Paypal invoice for a tangible goods. According to the buyer agreement I signed with Paypal I am to be protected in the event the item is not received. I sent {$600.00} to a person in another country and was to receive goods in exchange. The seller provided tracking information for the item being shipped which shows the item never made it to XXXX, let alone delivered to my address. The seller also confirmed that the shipping courier ( XXXX ) acknowledged that the item was lost. The seller paid for insurance to be covered in the case of loss or damage and has subsequently filed a claim with XXXX for an ammount equal to the {$600.00} purchase price. As a buyer through Paypal, who 's user agreement states I am protected in the case of non-receipt, I filed a dispute to get my money returned ( {$600.00} ). After investigation the dispute was eventually closed in favor of the seller citing " proof of delivery '' was provided by the seller, therefore allowing the seller to keep the {$600.00}, and the insurance claim refund, all the while I am without the agreed upon goods - Clearly going against the rules of buyer protection as explained by paypal ( item not received ). I called paypal after learning of the dispute result only to be told that international law can supersede the paypal buyer agreement because international seller agreements vary country to country, something that is not explained in the user agreement I had signed with paypal. It boldly states " Protection for Buyers- Types of Problems Covered. PayPal Purchase Protection ( also known as PayPal Buyer Protection ) helps you if you encounter either of these problems : You did not receive the item you paid for with PayPal - " Item Not Received '' ( INR ) ''. Why they decided to side with the seller is beyond me and goes against the agreed upon signed user agreement, which includes quoted buyer protection. Now, I am without {$600.00}, without the purchased goods, without any recourse to reclaim lost funds and the seller keeps the {$600.00} and collects {$600.00} from the XXXX insurance claim. The trust I placed with paypal has been abused and has cost me to loose a subsequent amount of money that should have been protected per our agreement. Currently the dispute is in the appeal process but I was assured that the decision will not change and I will not be reimbursed for the lost {$600.00}.
Consumer complaint received 2017-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Source Receivables Management LLC (OH)

Source Receiveable Management this account was already remove once from my report as unverified with a previous Third party collections agency. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim for this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX XXXX b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ally has reported 8 late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with transunion and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the 8 late payment entry that are reporting incorrectly removed.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

a charge was coming through off my debit card every month. I called in XX/XX/XXXX and set up a dispute. the chase representative coded it wrong, and " once they dispute a charge, they ca n't dispute it again '', even if Chase made the error. 
they credited my checking account the money, sent me a letter stating they would be taking it back, never gave me a date. took the XXXX back, caused me insufficient funds, told me I would n't be charged an insufficient fund fee, I was charged a fee. 
they told me when they disputed more claims, against the same merchant, that Chase only has a XXXX day liability. When I told them that in XX/XX/XXXX when I first filed a dispute, that was within the XXXX days. they agreed, but since the agent at chase coded it wrong there is nothing they can do. 
Was told on XX/XX/2016 by the XXXX at Chase claims to contact the consumer financial bureau to file a complaint
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MA)

XXXX is reporting to Experian that I have a balance, when the mortgage was paid in full in XXXX of 2016. I have disputed sevaral times and Experian is saying that the balance is being verified, but that can not be possible. I have sent them a lot of supporting documentation, including a letter from XXXX thanking me for paying my mortgage in full and a copy of the bank check used to pay off the mortgage. The item has been removed from XXXX and XXXX, but I can not get Experian to update or remove.