davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Last XX/XX/XXXX and after 18 months had developed a perfect on-time payment history on a ( SLATE ) credit card it had moved into an extraordinarily high ( 24.9 % ) rate credit card, so I paid it off, in full with a certified cashiers check as advised by the bank and applied for another interest free card ( Freedom ) and was approved but was told to await receipt of the new card before I could do any balance transfers right away, as I was attempting to move some other debt the interest free card. After not receiving the new card for approx. 2 weeks I called in and was told my approval AND any application data was missing and was casually asked to apply yet again. I finally did so a few days later in the middle of last XX/XX/XXXX, waited for the new card which did arrive and then waited the obligatory 10 days before finally able to establish a {$3000.00} credit line and made the balance transfer of approximately {$1000.00} on XX/XX/XXXX to pay off an XXXX XXXX XXXX credit Card in anticipation of going ahead with a home loan approval where paying off that card was their Underwriter 's requirement to actually be able to proceed with the loan process. Suffice it to say that my goal was to move any debt I had left at Chase Bank onto the interest free card I had now in my wallet. Sounds simple but from there things get a bit hazy. The long and the short of it is that it took 41 days for the payoff to arrive at XXXX and by that time I and my loan approval had expired. When I asked why, an XXXX executive officer told me I had not been truthful and not actually ( as I insisted I had ) paid off that {$1000.00} balance on the XXXX card ending in XXXX. When I inquired at Chase bank as to what had happened to the balance transfer in XXXX I was told their 3rd party vendor had issued a check ( not made an ACH transfer as I had been assured it was to be that way ) and sent that check to XXXX at a XXXX XXXX XXXX in XXXX California. I called back to XXXX to ask them about that address and they had never heard of it.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have disputed the information you listed on my report : XXXX XXXX XXXX - Account # XXXX : Unverified account XXXX XXXX AUTO XXXX - Account # XXXX : I have never paid this account late. 
XXXX POLICE FCU - Account # XXXX : Unverified Account My personal information has been reported wrong : - I have never known by these names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

The services will not let set up auto pay while I have an in school deferment. I would like to make monthly interest payments while I am in school. They said I could make one time  payments or have my bank send monthly payments. The issue is they do not apply the payments correctly. I made a payment which was drafted from my bank account on XXXX/XXXX/XXXX but has not been credited to my account.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

have recently obtained a copy of my credit file and there is big mistake in my report : XXXX Account # XXXX : Unverified account XXXX # XXXX : Unverified account XXXX Account # XXXX : Unverified account CREDIT UNION LOAN SOUR # XXXX : Unverified account XXXX XXXX # XXXX : Unverified account XXXXT Account # XXXX : Unverified account XXXX XXXX XXXX Account # XXXX : Unverified account
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My Credit Card Information ending in XXXX is not being reported by XXXX XXXX and TransUnion, I have been getting this resolve for many months and it was unsuccessful. TransUnion told me to do a POA so they can reinsert the account back on my credit report.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I 've been a Chase cardholder for about 4 years and never missed a payment. I had 2 credit cards opened and tried to make purchases and found they were n't working. After contacting Chase I was coldly told that Chase does n't have to explain why they abruptly closed my accounts and they have a right to end the relationship.It is very bothersome as most of my credit was on these 2 cards. Furthermore, their actions will negatively affect my credit score and I have done nothing other than trust Chase with my credit score. I 'm very disturbed and would like an answer. I would also like to warn consumers that  Chase should not be trusted, they can ruin you with a heartless bat of an eye. Try XXXX, they care and are much more reliable.
Consumer complaint received 2017-10-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (WA)

PROPERTY ADDRESS : XXXX XXXX Place XXXX XXXX XXXX, WA XXXX ALLEGED ACCOUNT NO. : XXXX FRAUDULENT FORECLOSURE FORECLOSURE Date : XXXX XXXX, XXXX FORECLOSING ENTITY : OCWEN LOAN SERVICING My name is XXXX XXXX and my husband name is XXXX XXXX. We are owners of the property located at above address. 

About three years ago as a result of some serious discrepancies in our mortgage loan payment, we contacted our servicer OCWEN LOAN SERVICING, LLC in order for them to explain their breach of the loan modification terms. We did not receive a prior notice pointing to an up coming amendment to the existing contract. 

We were given the run around. A clear explanation was never provided by the servicer to us. Due to the overwhelming cases of banks committing mortgage frauds all over the nation, we decided to hire a certified private mortgage loan investigator to look into our case for some inconsistencies. Subsequently we stopped making payments to the servicer. We begun demanding the supposed lender copies of important documents, including the complete Deed of Trust and note, which would explain their consumer rights, as well as other rights, including but not limited to, the right to cancel the contract and the XXXX XXXX in XXXX Disclosures. 

OCWEN LOAN SERVICING intentionally failed and/or refused to provide various disclosures that would indicate to us that the contract entered into was void and illegal. For instance, OCWEN LOAN SERVICING failed to disclose that the loan obtained had an interest rate higher than stated and in the preliminary disclosures, which preliminary disclosures were never given. 

Additionally there are several documents in the so-called loan were falsified with fabricated signatures ( Robo signing ). 
We made several requests from OCWEN LOAN SERVICING to validate the alleged debt. No such evidence or proof has been presented, yet they have engaged a foreclosure sale of our property. 

The foreclosure sale is scheduled for XXXX XXXX, XXXX. Please, do not allow OCWEN LOAN SERVICING to sale our property. It will be a fraudulent foreclosure. Please, the foreclosure needs to be stopped as long as the debt is not validated. 



Sincerely, XXXX XXXX and XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

On XX/XX/2017, I utilized my mobile banking application which is linked to my Citibank card to make a purchase in the amount of {$200.00}. The mobile pay failed at the point of sale terminal at the merchant store. I was told in the store I would have to wait 3 to 5 business days for my funds to be returned. I advised my bank that a permanent credit should be returned or a provisional credit based on the fact the charge was pending. As an individual who works at a bank I 'm dismayed by the lack of assistance provided by Citi and the process of having to discuss this issue with customer service representatives who are unhelpful. 

I explained the situation and I was told over and over nothing could be done but to wait. There was no assistance from Citibank to contact the merchant and figure out a resolution at all. I will be closing my account and as a consumer I 'm very disappointed.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX credit reporting agency is not doing a complete investigation into incorrect information on my credit report. I just received today an updated credit report from XXXX  and the results of the investigation did not solve the problem. There is an account " XXXX XXXX  XXXX that was suppose to be deleted off my credit report '' I 've disputed this account with XXXX and the company responded to delete off my report I am uploading proof that this account was deleted from XXXX because the company responded to delete. XXXX  should have received the same response. I have been disputing this for over 6 months now and when I try to go online to dispute it again XXXX will not let me on to dispute this account
Consumer complaint received 2017-10-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OK)

XXXX # XXXX in the name of XXXX XXXX & XXXX XXXX. XXXX XXXX is my EX spouse. Wells Fargo is showing this account past due in accurately on all XXXX credit bureaus. For XXXX XXXX XXXX it shows late XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. For XXXX it shows late for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The letter attached shows the car was paid in full XXXX therefore it could not be 30 days past due in XXXX XXXX. However the biggest issue I am facing is the address listed on the account is XXXX 's address. I requested numerous times via phone and mail for Wells Fargo to send me bills, and commuincations at my address since I am listed on the account. The only time I received communications at my address is after the loan was paid in full and I began disputing the late payments with them. Any phone contact received from them to collect payment were made to me only after not being able to reach XXXX for payment and were always 30 days past the payment date. I made numerous attempts to request I be contacted by mail and by phone. Their inaccurate information and in ability to update the account has harmed my credit report. I am attaching a copy of the paid in full letter addressed to me but not sent to my address and never has been my addresses ever. The only reason I got a copy of this report is because I demanded a copy of it from XXXX. I requested the same letter from wells fargo and was told that it was already sent to me.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I had an auto loan with Florida XXXX XXXX out of XXXX, FL. While I paid the account late a number of times it was never over 30 days late. The very last payment ... a partial payment ... was credited 33 days late. The account, on the Equifax bureau shows XXXX late payments for the entire history of the loan which was paid off in XXXX, XXXX and has a XXXX  balance. However, the loan itself still reads as an XXXX rather than an XXXX which is adversely affecting my credit by XXXX points. On a 48 month loan that only had the last partial payment over 30 days the entire account should not forever have the status of " Pays XXXX days late ''. 

I contacted the Florida XXXX XXXX and was told by an assistant branch XXXX that the problem would be resolved and they would correct the report to the bureau. They have done nothing whatsoever to correct it.
Consumer complaint received 2017-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MO)

In XXXX I asked for a loan modification. They asked me to submit required documents. I submitted them by email and they were acknowledged by the company as being received. In early XXXX I was notified that they were closing my case due to a failure to submit documents. I provided an email chain to the loan service supervisor he agreed it was closed improperly and had it reopened. 30 days later, in mid XXXX i was again notified it was closed for failing to supply updated documents. I again contacted a supervisor and it was reopened. In early XXXX i was informed my request was denied because I did not make enough money. I was told to make more money then reapply. 

Since that time i have fallen one month behind on the payments, I have attempted to contact them several times to review the options. Typically i am on hold for 30 to 45 minutes when the call disconnects or it is answered and then i am hung up on without ever speaking to anyone. It is apparent from the behavior of this company that i am getting the run around on loss mitigation. ( Loan modifications )
Consumer complaint received 2018-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

To whom it may concern, I recently had my loans switched from XXXX to XXXX XXXX XXXX. This switch is due to me working for a non-profit organization and working towards the public loan forgiveness. Upon verification of my employment, I received a letter from the XXXX XXXX XXXX dated for XX/XX/XXXX. This letter provided information stating that I qualified to participate in the forgiveness program and they'd be contacting my current Loan provider for a transfer of my loans. Throughout this process there was no communication from the company. I would try to call, and would be on hold for anywhere between 10-30 minutes, and still not receive a response. I did not have time to wait longer than 10 minutes due to my work schedule, and their hours of availability. A few days before my XX/XX/XXXX payment to XXXX was due, the loans were transferred and I was unable to make that month 's payment. I sent an online question to the XXXX  XXXX to request an update and how to make a payment, and did not receive a response. I never received anything in the mail and/or e-mail. I continued to check my XXXX XXXX account online and it had no information. I sent 2 messages in XX/XX/XXXX with a general response of " thank you for contacting us. In response we wanted to share what others found useful ''. But did not receive an actual response until XX/XX/XXXX "  welcoming '' me to XXXX  XXXX. At that time, I logged into my account again, to find my account to be delinquent, at an interest rate of 6.25 % instead of 6 % ( which it should be for direct deposit ), with an unpaid interest amount of {$260.00}. The amount also shows that my payment is past due by 18 days, and that it could be reported to credit agencies. At that time, I review the paperless inbox, which has 3 letters, all dated for XX/XX/XXXX. One is welcoming me to the program, one is asking for me to pay my past due amount, and how my privacy is protected. I tried to call them, again, and the recording said I may have to wait for 10-15 minutes for a response, and I was on-hold for 25+ minutes. Now, due to this companies lack of communication, poor customer service, and lack of ethics, I am now behind in payments almost a month, have an interest rate that is inaccurate, is charging me for not paying my bill ( which I was never informed how to do so during this transfer process ), and could never get a hold of anyone to help me. Please help me address and resolve this issue. Due to this organizations practices, why am I, and others like me, being charged instead of being allowed to pay our bills. For all I know, they may have sent me something in the mail that got lost, and wouldn't know it because they never answered their phones/e-mails. In my opinion, the unpaid interest should be waived, my account should be put back into good standing, and interest should not be started until today. 
I am looking forward to your assistance and response. Please contact me by XX/XX/XXXX Thank you, XXXX XXXX
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Account was opened in 2007 and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over 7 years old. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after 7 years.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a letter from XXXX explaining I was a part of a breach I went online to view my credit and notice some fraudulent attempts to obtain credit. I have sent proper correspondence to Transunion with no response from them this was not done by me, its consider fraud, I tried to place a police report but being that my information was breach due to the lack of security at XXXX and that the criminals did not get any of the approvals to obtain the credit there was no police report to file. I will like all the listed below inquires removed. 

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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have tried several attempts to get this account deleted and removed from my credit report. On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I again was notified by Capital one and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over XXXX days to verify this account. The first delinquency was XXXX XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

To whom it may concern : I am writing in regards to Ocwen Loan Servicing, LLC failing to comply with my rights under XXXX. 
XXXX XXXX, I signed an agreement in regards to loan modification, in XXXX XXXX I completed the XXXX  month modification. The opposing council XXXX XXXX XXXX XXXX falsely stated that I had not made the initial modification payments in XXXX XXXX, I proved that this was incorrect with my receipts. In XXXX XXXX, I entered a lawsuit against Ocwen in regards to them calming that I had defaulted the signed contract in XXXX XXXX due to late payments. 
Ocwen is calming that I owe XXXX shared appreciation amount. On XXXX XXXX, XXXX my lawyer mailed them a XXXX requesting a detailed calculation of XXXX XXXX, XXXX payoff quote. They have failed to reply. 
I am currently unable to access my mortgage account, when I contact Ocwen they tell me that I must contact my attorney. In XXXX XXXX XXXX XXXX Ocwen failed to report my timely monthly payments to XXXX XXXX XXXX XXXX XXXX credit agencies. I disputed the issue in XXXX XXXX my credit history was not updated. To current date my payments has not been reflected in my credit score. 
On XXXX XXXX, XXXX, Attorney General XXXX announced that Ocwen customers were to receive XXXX XXXX as part of a XXXX XXXX national foreclosure, mortgage servicing settlement. I believe that Ocwen has made multiple mistakes in regards to my loan modification, I currently want Ocwen to give me a detailed calculation in regards to how they came up with the XXXX in back payments, and why on XXXX XXXX, XXXX there were XXXX property inspections in a single day and XXXX falsified mortgage payments from XXXX XXXX, XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX myself, as well as my attorney who was on a conference call with me, called Ocwen to find out more information, Ocwen refused to answer any question about my loan account. 
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX signature card, I was denied due to the reported poor payment history with Ocwen. 
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX card and then again was denied due to the reported poor payment history with Ocwen. 

Thank you for your attention to this matter.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.