davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (TX)

On my car loan its says XXXX finance fee ... but I am being billed at {$15.00} a day. Does the finance rate and the cost per date ... add up ... I have paid {$4500.00}. In XXXX months and only about {$1300.00}. Has been applied to the principle ...
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

THE FACTS : 1. I defaulted on my GMAC mortgage payments XX/XX/XXXX due to job loss. 
2. Now bankrupt GMAC ( superseded by OCWEN Loan Servicing LLC later on ) issued a repayment plan. 
3. I complied with repayment plan - paid all requested amounts to GMAC through XXXX XXXX for 8 month. 
4. On XXXX XXXX, XXXX, GMAC approved my Mortgage Modification Request and set the monthly payment amount based on new loan amount that contained all the default amounts from previous months. 
5. I have been making payments every single month starting XXXX XXXX without missing a single payment and without being late till Present, all according to GMAC/OCWEN requirements. 

Now, comes XXXX XXXX, and more than 5 years after my Mortgage Modification with GMAC I am suddenly informed by OCWEN that I am past due 7 month?! 

Even assuming that GMAC/OCWEN were not calculating monthly payment correctly or having any other reconciliation errors - it is still not acceptable consumer lending practice to suddenly inform the customer about 7 months default and engage in behavior that OCWEN is engaging ( when all I did is complied with their requirements at all times for 6+ years ), namely : Start charging me late and other fees, as shown on your recent statement. 
Refusing to accept my regular payments that I have been paying for years. 

OCWEN 's Customer Service is in XXXX and I can not get any meaningful answers from there. Meanwhile OCWEN is pushing to foreclosure. So I had no other choice but to apply for additional Mortgage Modification with OCWEN ... and now am waiting for them to approve it. 

It has been a month of them supposedly " researching '' but meanwhile they are charging me late and " other '' fees and pushing for foreclosure. So far I did not get a meaningful documentation and accounting on the loan according to Section 2954 of the California Civil Code ...
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

over the course of the last two years I have tired unsuccessfully to get Transunion to provide me with the method of verification of the alleged bankruptcy public record used to verify disputed information. Transunion has refused to provide me the required method of verification per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have supplied the latest letter I received from Transunion dealing with a complaint filed with the Ohio Attorney General office. As you can see from the letter Transunion believe that they do not in fact have to comply with this section of the FRCA. I asked for the method of verification in letter form sent US mail, by Fax, and via telephone conversations with Transunion they were ignored or I was sent a form letter saying that they would not reinvestigate. Per XXXX TransUnion Corp the courts have held that the credit reporting agency must do more the parrot the results of the initial investigation and they must conduct there own independent investigation
Consumer complaint received 2016-01-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

Between XX/XX/XXXX and XX/XX/XXXX I attended a school in XXXX Florida to become a helicopter pilot. The school was named XXXX XXXX XXXX and unfortunately went bankrupt before I was able to obtain any certifications. I was still required to pay the full amount of the loan which was over {$80000.00}. Not wanting to be responsible for paying such a large amount for training I never received seemed wrong. The students filed a class action using XXXX XXXX and he negotiated a reduced amount that we would owe though the amount was still very large despite never having received the training promised by the school. XXXX XXXX received millions in fees from the student loan company as part of the settlement. I am still paying on this loan and it has become overly burdensome and I still have twenty years of payments to go.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX reported a late payment in 2009. I did not make any late payments whatsoever in this or any other account. I complained about this previously and I am sure it was removed at one point. Regardless XXXX has NEVER given proof that this was ever late on the account In this dispute with Equifax they also mentioned no information from the creditor yet negative info ( code XXXX ) remains on the account. 

This is ridiculous. No proof from XXXX ever about this and it needs to be taken off. Separate complaint against XXXX forthcoming.
Consumer complaint received 2015-09-27
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I applied for the XXXX from Capitol based on the mailer I got which mentioned {$1000.00} in bonus earnings on {$1000.00} in purchases within 90 days of card opening. I 've made the purchases, but do n't see the bonus earnings. I 've called up Capitol One and the redemption center multiple times and have been getting the run around, and that they are n't aware of any such offer. I also faxed them the mailer, but have had issues getting proper responses from Capitol One.
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I had a fraudulent charge XXXX for {$240.00} XX/XX/XXXX. I reported the charge to Bank of America XX/XX/XXXX. They issued a credit for {$240.00} XX/XX/XXXX and {$240.00} plus {$10.00} as interest adjustment on XX/XX/XXXX. They mailed me a check for this credit which i deposited XX/XX/XXXXXXXX issued a credit for {$240.00} on XXXX/XXXX/15 to the card that had been closed. Bank of America caught their error and put a charge of {$240.00} on my account. The first fraud manager, XXXX, to whom I spoke found the credit XXXX, turned it into a debit and had me owing {$490.00}. Since she never returned my call as she said she would do, I called back and got XXXX. He at least fixed the credit to debit error. I now owe {$240.00}. I 've already paid for the fraudulent charge. Bank of America issued a credit. XXXX issued a credit. Right now I owe Bank of America {$240.00}. So if they get their way, I will have ended up paying for the fraudulent charge twice instead of receiving a fraud reimbursement from Bank of America and the charge back XXXX, which I pursued and obtained on my own.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

After several low quotes for car financing, I decided to research my credit ( XXXX or something like that ) and saw that my information has been merged with that of my father. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX, same current address but obviously different date of birth and SS #. On the website I was able to see this and dispute it with XXXX reporter ( XXXX ) and not the other XXXX ( XXXX and Equifax ) due to failing the initial security questions which all used my father 's banking history. At present I have recieved some confirmation from Experian that negative information has been removed and have yet to make positive contact with XXXX & Equifax. Do I have to do this with every info provider? Will it update the other XXXX once I have done it on XXXX? Young married couple in desperate need of financing. Thank You.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I notice XXXX XXXX XXXX XXXX  on my Experian credit file reporting illegally because this company failed to send me notice ABSOLUTELY NOTHING and that is a violation of LAW. 
I am not liable for this debt snd I never had a contract with this company. 
Delete this account innediately or I will seek legal representation.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (PA)

Experian is reporting XXXX accounts that are older than 7 years. I tried disputing these account with the CRA but they refuse to re-dispute my request saying they were disputed 3 years ago. 

The following accounts have been reporting for longer than 7 years and are no longer being reported by the other XXXX CRA only Experian is choosing to keep them on my file and further more damaging my credit file, career and future. These accounts were disputed with both XXXX/XXXX and are reporting back as unverified along with the company agreeing with me that they would no longer report these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDU XXXX
Consumer complaint received 2016-01-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Continental Finance Company, LLC (MI)

I closed out the account back in XXXX 2015 and have since then requested to receive paper statements until account is fully paid in full. Every time I contact the company to inquire about statements or make a payment I am assured that a request is being placed and I should receive within a few weeks. I have been making payments as required by the due date but still have not received any statements and do not know what I am being charged. I am still being charged a maintenance fee and I do n't know why when I am not utilizing the card. Of course, I am also being charged for finance charges. This company is preying on individuals claiming to assist in helping build credit when it makes it worse on those individuals who are struggling.When I call and the about the statements, I am told that I signed up for e-statements and that is causing me to not be able to receive paper statements. I believe someone in IT or with the proper authority should be able to override the system. 

I would not recommend this company to anyone.
Consumer complaint received 2015-11-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (AL)

I have been using National Bi-Weekly Administration , Inc bi-monthly payment plan for about a year to pay for my mortgage. I received literature in the mail and called to inquire about this " service ''. I was immediately sold on the idea of paying my loan off sooner and that this was the best way to do it. I feel that this company does not act in the best interest of the consumer and they rely on misinformation to sell their " service ''. I feel cheated and angry. Frankly, it is humiliating to realize you have been taken even for its relatively small amount. I want to help ensure this does not happen to others. I feel like NBA is n't providing a service at all like what they advertise. I feel the service NBA offers it that of someone that takes your mail to your mailbox for you. If they were to describe it in such a manner it would not be nearly as successful.
Consumer complaint received 2016-01-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maury Cobb, Attorney at Law, LLC (CA)

Recorded message caller stating " This is a call from the law offices of Maury Cobb regarding a debt collection. Please call XXXX ''. When I call this number, there is a recording stating " the associate at XXXX is unavailable ''. Caller ID shows XXXX I do not have any outstanding debts to anyone and my credit is perfect and has always been perfect. It is a scam trying to make me think that I have a debt owed to someone. I have never been able to speak to a person at the phone number above. It 's only a recording each time.
Consumer complaint received 2016-01-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: OLD NATIONAL BANCORP (MI)

I made a ATM deposit at my financial institution on XXXX/XXXX/2016 my receipt has know information in a hold being placed. From past experience there is usually a 2 day hold. I contacted my branch this morning and was told the funds would not be released till the XXXX with know explanation as to why the hold is so long. The said its a Reg CC I reviewed Reg CC and it sounded as must holds were for 2 business days. I authorized XXXX direct debits from my account to come out tomorrow XXXX now I will bad charged {$38.00} per item since the funds are still not available. I feel all consumers should have a date the funds will be released on there receipt which u was given at my previous financial institution.
Consumer complaint received 2015-09-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WV)

Worked with a counselor found through XXXX ( from XXXX ). She was great. I explained that I had lost my job and that I wanted to see what I could do to not lose my home due to my loss of income. We spoke with Ditech, my mortgage company, and they suggested I fill out and send them XXXX things : a Request for Mortgage Assistance form and a XXXX. I did. Today I finally got through to someone to check on the status and was told that I was denied assistance because I was n't in danger of default. My unemployment income is half of what I was making, and I was barely making ends meet before losing my job. So now I have to file an appeal with more supporting documents, even though they could n't tell me what those documents might be. I 'm trying to get out in front of this thing BEFORE I miss a payment, but they seem only willing to help if I 'm already in trouble. I 've read about companies doing this sort of thing -- denying help until it 's too late, then stalling. I do n't want that to happen to me.
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Our loan was transferred to Newrez and shortly after they were unable to verify our homeowners insurance, therefore they placed a lender insurance policy. In XXXX, XXXX, and XXXX of XXXX  we contacted them multiple times offering to provide a copy of our insurance ; however, every method of submission the company claimed they did not receive it. We sent multiple emails provide to us by customer service, used the desktop app to submit, and even submitted through a portal online. Fast forward to XX/XX/year> we requested that newrez close the escrow account they opened, and stop forcing us to put funds into the escrow account. We were told it is required of our loan ; however I assured them that is not true. We called multiple times, often the customer service agent would not transfer us to a supervisor, and were finally told the escrow account would be closed, the escrow funds returned to us. XXXX I called three times, still not completed, then was told the request was submitted incorrectly. XX/XX/XXXX I called and spoke with a supervisor who stated the initial request was submitted incorrectly, and will be resolved in 30 days. I even submitted a formal request online in writing. XX/XX/XXXX came, still not resolved, We called again multiple times, still being FORCED to make the additional payments in ESCROW. Today XX/XX/XXXX this still has not been resolved.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: ETHOS LENDING LLC (CA)

My wife and I were purchasing a new home and the loan was going through Ethos Lending in XXXX XXXX CA. An issue came up with our tax returns for 2014 where it turns out our accountant forgot to inform us that our Fed returns were rejected and sent back to him. It was not until Ethos asked about it that we contacted our accountant to find out the issue. At that point, he resubmitted the returns electronically and they were accepted. Ethos demanded that my wife or I go to the XXXX for a receipt confirming this. My wife spent 3 hours waiting in line at the XXXX to be told that since our accountant refiled electronically they were not able to confirm the receipt until the returns were reprocessed. This could take weeks or months to happen. We told this to Ethos and they would not accept what we were saying. We told them numerous times and even gave them the name of the XXXX person and our accountant 's information to confirm. It seemed like Ethos was dragging their feet with this non-issue and since we were days from the lock expiring it was even more obvious. The best part was that just after they charged us to extend the lock, this condition was signed off on. This was only XXXX of many issues we had with this lender. They almost costed us the home. The seller was going to pull out in a matter of days. To top it all off, our loan officer had conversations with Ethos 's sales rep and he told our loan officer that the charge would be refunded back to us after the loan went through. He forgot to tell us that he was leaving the company before this happened. Conveniently his boss had no knowledge of him saying the money would be refunded and they are not going to do anything about it.
Consumer complaint received 2016-01-22
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CMRE Financial Services, Inc. (CA)

the person who would not identify them self threatened to have me arrested if I did n't pay them the inflated amount they demanded. I asked for a breakdown on how the charges came about and he said that is n't his job, his job is to put me in jail or collect money.
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TRANSWORLD SYSTEMS INC (NJ)

Transworld System has been calling my XXXX year daughter 's brand new cell phone number day and night for the last week that she 's had the phone. I got on the phone once and ask what they wanted with my child, they told me it was none of my business and it 's personal. They would not tell me why they kept calling us and why they are harassing a young child. The harassment of a child has got to stop. I finally was able to get one of the many people who kept calling to give us the name of the person they are looking for and we have no clue who it is. However, it does n't seem to matter to Transworld that we are not the person they are after. They choose to continue to harass my XXXX year old. Perhaps the person who continue to contact my daughter is a pedophile. I ca n't image why they continue to call a kid night and day.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (ND)

see attachment This is a complaint for assistance. Slate Chase improper posting payments. lnstructions were provided to post the XXXX for the XXXX due date. Now there appears on the statement a minimum payment due of XXXX which is incorrect ' Slate Chase have failed to response to email request and original letter.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (RI)

I filed bankruptcy in 2010 and lawyer had to include mortgage.I never skipped a payment even though I did not reaffirm, which lawyers apparently do not tell you reaffirm.But my mortgage and second mortgage have stayed on my report.I have since paid off my second mortgage and continuing to pay original mortgage. If the not reaffirming mortgagges is reason, should n't at least the second one be removed, paid as agreed. The remarks do n't reflect what has happened.Account status should open on mortgage and paid as agreed on second mortgage
Consumer complaint received 2015-11-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

Hi, TD BANK fraudulently overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. First, they tape recorded my conversations with them without informing me of that in the beginning of conversation which is against the law. Second, They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions for 5 days to the Monday night processing so that my account would incur NSF fees totaling {$200.00} which far exceed the amount of the total of my transactions which totaled {$40.00}. This is excessive behavior and abuse of power. I never filled out any paperwork for approval for overdraft fee payment or overdraft protection when I opened the account. They are trying to penalize me and charge me for overdraft protection that I never requested to begin with nor filled out an application stating that. To prove it, they could not find any application for overdraft protection or approval of overdraft payment application in my record when I opened the account. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees of low income customers - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if their Executive department found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$600.00} due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission.