davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

MISHANDELED PAPER WORKOur mortgage servicer is Ocwen. Ocwen has ruined our credit by submitting negative reports to the credit bureau. We were on a trial period with lower payments prior to finalizing a modification. During the trial period we met all of the requirements. We signed the modification agreement in XX/XX/XXXX and have been current thereafter, somehow Ocwen reported to the credit bureau we were XXXX days late. This negative impact has a ripple down impact, much of our cards have been cancelled or reduced due to the erroneous information. We have contacted Ocwen several times only to hear it 's been escalated and we are waiting for the Treasury Department to make the corrections. We were also advised to write letters which they ( OCWEN ) have to answer. Some representatives have called in a threatening manner stating we need payment now or your house will go into foreclosure, and we always say we are on a modification plan and we are current, your records are n't correct. We are frustrated with the level of service received and are n't sure what federal programs monitor the servicing companies for FHA loans
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (OK)

I received a caller-ID blocked call. The voice message stated that I needed to call XXXX regarding notice XXXX and to contact XXXX XXXX. I called the number back and was told their company was ARA and Associates, XXXX XXXX XXXX, XXXX, VA, and that their only phone number was the one listed above. She was very rude and stated that I would be charged with " issuance of a bad check '' and " theft by deception ''. I asked for verification of the debt and was told it was mailed in XXXX 2015 and they would not send it again. 

They also contacted my ex-wife of 20 years with the same notification number and threat. 

I have no idea what this is regarding and have found other, similar complaints regarding this phone number.
Consumer complaint received 2016-02-26
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: WELLS FARGO & COMPANY (PA)

I took out a personal loan from Wells Fargo in XXXX of XXXX. I have been receiving letters from them for close to a year, asserting that I am behind by XXXX payments. My payment, per month is {$210.00}. By their calculations I now owe a total of {$1500.00}, which includes unpaid late charges of {$740.00}. I sent XXXX copies of my checking account statements, showing the payments were made. I have been unable to resolve this issue, with the most recent correspondence, from XXXX XXXX, XXXX XXXX XXXX - XXXX, stating that XXXX payment on XXXX XXXX, XXXX was made and applied completely to interest, as " no payments had been made for three months prior. '' She never addressed the copies of my statements showing proof of my " missing payments ''. I have been to the branch office in XXXX XXXX, PA, but to no avail. They state they can not do anything about it, that I must call the company directly, which I have done numerous, numerous times. I would appreciate any assistance that you could provide.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (NJ)

The phone number calls me at least XXXX times a day everyday, then starts to call me from a different phone number right after the XXXX call. They never leave message. XXXX call is always around XXXX and I get calls all through out the day with NEVER any message. When I look up the number it says it is a collection agency CBE Group.
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (NY)

Terrible customer service, especially by XXXX XXXX and XXXX XXXX. 

Applied for pre-approval on a mortgage for a new house and cash-out refinancing on our existing house in order to fund the new property 's down payment. Citi 's feedback ( entirely reasonable ) was that we needed to show more assets sufficient to cover payments during the " double carry '' period when both loans would be in effect. Thus ensued over two months of discussions about how to meet the reserve requirement. Citi 's representatives were extremely slow to respond throughout the process. Once we finally came up with a structure that solved the reserve requirement problem -- again, after over two months of discussions -- Citi 's mortgage broker announced that our income was insufficient to qualify for both mortgages at once. ( Not insufficient for either loan, mind you. Just insufficient to qualify for the few months when both loans would be payable. ) She further had the gall to state that she had told me about their income guidelines from the start ; not one email in the first ten weeks says any such thing. 

Citi is entitled, of course, to create whatever underwriting guidelines they choose -- sensible or no. But it is a bit much to be led along for months on end like this. Citi had enough information about our income and borrowing request that they could have denied us within days or hours of receiving our application. Instead, they wasted our time haggling over a reserve requirement that ( according to what they now say ) could never have made a bit of difference from the start.
Consumer complaint received 2016-02-26
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AL)

AWFUL, INCOMPETENT, FRAUD, CHEATERS, OUTLAWS, etc. There are constant charges, escrow charges are doubled. Ditech claimed they had not received the information on homeowners insurance, but in reality had been sent several times. Of course you know about the late billing. It should not be assumed that everyone has access to a computer. No one will explain or discuss the problems with you. This proces with DITECH is a nightmare. It is unreal that type operation is allowed and go unpunished. Everyone does not have funds for lawsuits. But maybe we would if everyone just stop paying them. Oh, but that seem to be their motive - to make your mortgage payment unmanagable, so they can take your home. THEY MUST BE STOPPED!!!! NOW!!!!!
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I want to make you aware of the VISA and MC " VAU '' Visa Account Updater and for Master Card, The Automatic Billing Updater or " ABU '' Programs. These are Programs whereby if you report your card lost or stolen, issuers of credit cards automatically issue your new credit card number to merchants that request it when you have a monthly billing or " continuity '' subscription with that merchant. They do this without asking or notifying you. They are in essence giving your number to a third party without your consent. In my situation, a fraudulent billing account was set with an online Merchant named XXXX. I was unable to get any redress from the Merchant as I did not create the account and could not provide them an account name or number to cancel. It was set up fraudulently. I called my card issuer ( BofA ) and they canceled the account and issued a new card. A month later the same charge showed up on the new card. BofA again cancelled the card and issued a new one. Its now 3 months laster, I am on my XXXX card and again the merchant charged my card without any contact from me. Someone is providing them the new card number to continue billing me erroneously. The problem lies in the fact that VISA, MC and all major banks like BofA have this program that provides the merchant the new card number to ensure a smooth transition to KEEP BILLING THE CONSUMER even after they have filed a fraud report. I find it incredible that BofA Fraud department keeps taking my fraud report, changing my card but VISA keeps giving out the new card number to the merchant without my approval. I am stuck in a never ending cycle of fraud, perpetrated by the bank and VISA and my only recourse is to cancel my relationship with the bank. 
This is a Bad financial policy. I urge the CFPB to investigate the financial industry giving out personal financial info without my consent.
Consumer complaint received 2015-03-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (NY)

I was charged by Volkswagen Credit XXXX for wear and tear upon returning my lease vehicle. This bill came almost XXXX months after I dropped off the car. To dispute the charge, I paid the bill with an XXXX card. Supporting documentation was submitted to XXXX and on my behalf, they waited for a evidence and a reply from VW to support their claims of the damages, but there was no reply. After almost XXXX months, I was then issued a credit of XXXX ( minus the return fee of {$350.00} which I paid ) from VW. A few weeks ago VW sent me another bill for XXXX. They called and threatened that the charges would go to a collection agency if not paid. [ In addition to this over a year ago, the maual transmission, for the same car in question, failed on the highway. VW claimed abuse, and I was charged over {$2000.00} for a car barely XXXX years old. According to them XXXX other women have had the same issue and was not aware they did not know how to drive a stick and was responsible. They offered this unsolicited information despite the fact that my previous car was a VW XXXX as well. XXXX stepped in and disputed the charges and I was issued a refund. ] Because of their questionable practices I decided to return my car a month early and paid my last month 's payment early. This was a clean car that I returned. The has a parking space both at work and at home and rarely parked on the street.
Consumer complaint received 2015-03-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (GA)

Debt collection agency - Harris & Harris , Ltd of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX, telephone XXXX, sent me collection letter dated XXXX/XXXX/XX/XX/2015 demanding payment for debt that is already paid with original debtor. I sent a letter to collection agency dated XXXX/XXXX/XX/XX/2015 denying the demand was valid and stop any further collection attempt regarding the debt. The denial letter was mailed within 30 days of the demand letter. After the 30 days expired from the date of the demand letter, the collection agency sent a XXXX demand letter dated XXXX/XXXXXX/XX/2015 for the same debt. Collection agency did not acknowledge receiving my letter stating the debt was invalid and is continuing collection attempts for an invalid debt.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my credit card account without any advanced notice. I had XXXX reward points that I now have no access too. My credit card payments were on time and my balance was only XXXX % of my limit. When I called to redeem my points they said they were forfeited. I believe this is unfair and illegal practice.
Consumer complaint received 2015-03-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Sokaogon Finance, Inc. (FL)

i had over three diffrent payday loans out at the same time. in the state of Florida thats illegal. i did n't expect for a XXXX $ to have to pay back over XXXX {$.00} im trying to recover, but now white pine states they are garnishing my wages without due process and no court order.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unauthorized inquiries on my credit profile that needs to be deleted. 

XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX
Consumer complaint received 2016-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (AR)

I Owed XXXX a bill for {$440.00} I Paid them late on XXXX/XXXX/2015 but then A Bill Collector contacted me ERC '' Enhanced Recovery Company LLC. Later contacted me about the bill they said they would settle it for {$260.00} I Explained I Had paid XXXX The full amount already and sent them a copy of the receipt and then they told me sense it was not a collection it would be removed from my credit after months of waiting it was still on my credit I Contacted them again and they then sent me a letter saying they received my payment of {$260.00} I Never sent them any money I Paid XXXX I Have tried everything with them and have got nowhere!
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just applied for a credit card and was shocked to learn that I had been XXXX credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2015-11-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NV)

i took out a simple interest auto loan at 25 % ish. i have paid over {$20000.00} in interest and less than {$3000.00} in principle since XX/XX/2010. 

i was hit hard by the economy, and did get behind. I had a couple deferments. When Icalled to ask what my pay off was just to get an idea I was floored that I still owe today what I financed XX/XX/2010. This feels criminal, and the DOJ file suit and sought damanges against Santander for their practices with Military Members. There has to be something I can do. I have my payment history. If upon your review you say it is legit then I will accept that.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX and the information listed below, which appears on my credit report, is a result of that XXXX

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  Documentation
Consumer complaint received 2015-03-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AL)

We have an auto loan with Ally Financial. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX. After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork againI received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension. 

At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own. 

I called back today XXXX XXXX to find out what Ally would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by XXXX ally financial reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me. 

I 'm being penalized on my credit by ALLY FINANCIALS NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up. 

My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP. 

If you need any other information I am available to speakThis was no way in any shape or form our mistake.
Consumer complaint received 2016-02-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: IQOR US INC (FL)

Not only have they called my job after numerous times of being told NOT too, they also attempted to share my personal information with another employee ( social security number ) And also have threatened to do a garnishment when NO legal action has been taken!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

XXXX  and equifax  are unwilling to accept the documentation provided to me to remove credit reports during the time i was forced into XXXXXXXX XXXX XXXX XXXX. i am XXXX as a result and require assistance XXXX  and equifax are not providing this request information.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AL)

I have requested that Ocwen ( Mortgage Company ) stop calling me at my Job. I gave them my cell and home phone number but they continue to call my job. I work at a help desk with XXXX other individuals and all have answered the phone and knows who they are. My boss has answered the phone in the past and also asked them not to call the work number again. Every morning I still get two ( 2 ) phone calls. I do not mind them calling mine or my wife 's cell or my home phone but they really need to stop calling my job. Is there anything that can be done to stop them from calling my work place?
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

MY CREDIT SCORE WAS XXXX ONE MONTH AGO - IT XXXX TODAY. I CHECK IT EVERY MONTH. NOW NOTHING HAS CHANGED. NO BALANCES HAVE WENT UP. NOTHING HAS BEEN LATE AND NO INQUIRIES. THIS NEEDS TO BE ACCOUNTED FOR ASAP.