davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged 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 showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2016-02-04
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (SC)

Today, XXXX/XXXX/16, I received a XXXX XXXX card with my name on it, which was referred to as a prepaid XXXX card. It was from " netSpend '', XXXX XXXX XXXX, XXXX, TX XXXX. I did not request the card and have never heard of the company/bank which claims to be FDIC.
Consumer complaint received 2015-12-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Capital One account ( XXXX XXXX ) the account is over 90 days late. I recently took a job on XXXX ( XXXX XXXX ) working on an XXXX XXXX XXXX base. I have been unable to get in touch with Capital One to discuss paying this account off. All their XXXX, XXXX numbers will not connect from here. Their website takes me to a XXXX number I have tried to email them but I can not find a email address on any of their bills. They are charging me more interest and late fees, how can I contact Capital One?
Consumer complaint received 2015-09-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio Recovery Associates doubled the charge off balance from a charged off XXXX XXXX XXXX. I have attached a copy of what it shows on my credit bureau reports. Also, they have called my parents ( I am XXXX and they are not authorized in any way to discuss nor use this account ) and numerous times, threatening to have me arrested if they do not pay or they want to serve legal papers but they can be stopped if someone pays. I also have about 18 calls from PRA from the last two weeks indicating they are some bogus litigation dept.
Consumer complaint received 2016-02-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH ()

1. The buyer of my properties sent me an e-mail in XXXX 2015, stating that escrow wo n't wire me the money overseas. XXXX in XXXX, CA. I contacted their head office and never got a response. Tried a dozen times, calls and e-mails. 

Then I called www.unionbank.com and was told that there was " no limit to send money to a registered transfer payee ''. FALSE. {$5000.00} is the limit. 

For weeks, my money has been stuck. 

I complained to the bank, sharing that I 'm under threat of a margin call. 

Lost & gt ; {$30000.00} and was forced to close the account ... Still, no payment!
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I HAVE APPLIED NUMEROUS TIME FOR A LOAN MODIFICATION AND THIS LAST TIME XXXX INFORMED ME OF A NEW PROGRAM CALLED THE LATE TERM STREAMLINE AND I WAS ELIGIBLE FOR THAT PROGRAM. LATER, HE SAID I WAS N'T ELIGIBLE DUE TO THE DRIVE BY BPO ( BROKER PRICE OPINION ) COMING IN AT {$510000.00} WHICH WAS DONE BY A REALTOR. I HAD AN APPRAISAL DONE AND THE VALUE CAME IN AT {$370000.00}. I TRIED TO APPEAL THIS TO XXXX XXXX AND BAYVIEW LOAN SERVICING, BUT WAS TOLD BY BAYVIEW THEY WOULD NOT ACCEPT THE APPRAISAL AND WERE GOING TO FORECLOSE ON MY HOME.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Any and all medical bills reported by any agency on to any credit report are to be paid by the XXXX XXXX. I 'm medically retired and they fail to provide proper medical care. Therefor, they are responsible for any past, current and future medical bills. Also, I have never owed any XXXX bill and do not owe any money to XXXX XXXX XXXX. Those are mistakes made by those companies that I had contacted them to discus in the past, with no acceptable outcome. There should be no derogatory remarks or any open accounts on my credit report, as I do not owe any debt collection agency or reporting companies.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SN SERVICING CORPORATION (FL)

For the past 2 years I have tried to obtain a loan modification from SN Servicing. The single point of contact in charge of my file has done everything he can to stand in the way of allowing me to get this done. I am a self-employed caregiver and I do not have pay stubs so I have submitted a profit and loss statement and bank statements to support the profit and loss statements. My tax return did not support my income claim because of the number of write-offs I was claiming. This year I had my accountant reflect my complete income that I make on my tax return, without any write-offs and have submitted the file again with my bank statements and a letter detailing every deposit that was from my income in my bank account. In the past XXXX XXXX has accused me about lying about my income because he said the documents did not support the income. I take care of an old lady in her home, I am not a sophisticated business owner, and I must confess that I did not keep my books very well in the past. I would sometimes cash my pay check and pay some of my bills before depositing the full amount in the bank account but after being denied for this reason, I have kept detailed account of all my earnings and my accountant can vouch for this fact. However, XXXX XXXX advised me on the phone ( laughing and in an extremely sarcastic manner ) that SN Servicing would not even consider looking at my file again because of the denials in the past. People 's circumstances change, a ) I have paid off my car and no longer have that payment, b ) I deposit all my checks into my bank account to show my income, and c ) my XXXX lien has worked with me to lower that payment and make it more affordable. I would like to have XXXX XXXX removed as my single point of contact and have an impartial person put in his place to look at my file. At this point I think he has a personal vendetta against me and from the way he speaks on the phone to the third party handling my file, it seems like he would like to see me loose my home. I have worked very hard to purchase that home and I will not let that happen because of one mean spirited employee at a bank who thinks because of his position, he gets to call all the shots. I am attaching the recent package that was sent to SN Servicing for your information.
Consumer complaint received 2015-07-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: DISCOVER BANK (MD)

I have a loan ( fixed ) with Discover Personal Loan service ( account # XXXX ). I thought when I consolidated my Credit Cards, my payments would help me get out of debit faster. I did n't know how high the Interest payment would be. My monthly payment is {$580.00} for a {$2500.00} loan that stated in XX/XX/XXXX. The interest payments started in the {$500.00} range in XXXX and now it 's down to {$280.00} as of XX/XX/XXXX. They 've take more interest then they put towards the principle. MY loan payment as of XX/XX/XXXX is still at {$19.00}. I called to asked if I my interest payment and monthly payment can be lowered, but they said that 's could n't be done according to the agreement. I have XXXX other Discover Credit card accounts that are at the max. XXXX is at {$7800.00} and the other is at {$2100.00}. I have other debit that I 'm trying to keep up with, but I would like to know if theirs anything I can do about the agreement of the Discover personal loan,
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AZ)

We have always had good credit, however in XXXX 2013 my husband was unemployed and Chase offered us an " Unemployment Forbearance Program ''. This was effective on XX/XX/2013 and ran through XX/XX/2013. During that time they told us our mortgage payment would be XXXX until employment was found. We were told that these missed payments would go on the back end of the loan. We complied with all of their terms. However we now find that those payments are showing up as late and/or missed payments on our credit report. I have spoken with Chase and they will not adjust this with the credit reporting agencies. We have lived in this house for over 21 years and have never been late on our mortgage. Is there any way for us to get this taken off of our credit report?
Consumer complaint received 2016-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TN)

I am eligible for the recently developed REPAYE payment option for my student loan. I called my loan servicer and completed the application that they provided a few days after the new payment option began ( XXXX XXXX, 2015. ) It is now over 90 days later and I have not received a revised payment nor any other correspondence regarding my application. I would like my payment amount recalculated as soon as possible.
Consumer complaint received 2015-09-19
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (CA)

I received an unsolicited " XXXX '' prepaid card directly from SunTrust XXXX XXXX, FL ) via USPS mail. I reside in XXXX XXXX, California. A reasonable person would think that receiving the card this way infers that it was sent via a third party as either as gift or payment of a claim or refund. 
Only after " biting '' and following the instructions given to activate the card was it clear that was not the case. Now I feel I have been " fooled '' as they have my phone number and codes I used to activate the card ... the card I then found had a zero balance. 
It is important to note that this card carries baggage with it in the form their sharing if my information to other third parties and of very high fees for almost any transaction.
Consumer complaint received 2015-07-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My debit card was stolen last week. Some made XXXX XXXX dollar withdraws from ATM. I do n't know times B of A would n't release that nor phone numbers. I called in several times had to call back and wait on hold for long times. Also the rep did n't report the XXXX as fraud they just left it. The XXXX case took 3 days and the XXXX case was 1 day. nothing has been done about it. I report BANK OF AMERICA TO XXXX. A lady contact me and left voicemail she be looking in to it and some how its already closed. This whole case seems fishy. bank of america states you 're not reasonable for basic transitions or ATM withdraws you did n't make. I DID N'T MAKE NO WITHDRAWS. ALSO THIS COMPANY DOES N'T CHECK ID WHEN WITH DRAW {$10000.00} OR XXXX OR {$500.00} AT THE TELLER LIKE OTHER BANKS DO. BIG RISK FOR PEOPLE TO STEAL MONEY FROM PEOPLES ACCTS.
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

The XXXX month I paid my BOA credit card statment XXXX cents short. The 2nd month came with that amount due plus a : '' minimum interest charge '' fee of {$1.00}. I called, was told as a long time customer they would waive it, so paid my balance minus the {$1.00}. the 3rd month - the charge remain plus incurred another " minimum interest charge '' of {$1.00}, called and was told the {$3.00} would be removed, so paid the balance minus the {$3.00} ; 4th month, got a credit of {$3.00} but got another {$1.00} " minimum interest charge. '' This time I was told even though BOA was giving me credit, I had to pay the {$1.00}, because the credit would n't go into effect until after my balance w/the fee was paid. I would then receive a credit, which would then be applied to my future balance. Why? ca n't BOA, when they say they 're going to remove their charge, remove it at that time like they do other vendor charges that are being credited back? Thank you.
Consumer complaint received 2015-07-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I was unaware for two days that my bank of America business checking was XXXX dollars in the negative. I rely on my phone for bank alerts, but was having technical difficulties with email updating. In the course of 2 days, XXXX XXXX and XXXX I had XXXX - {$35.00} fees from BOA that equated to {$310.00}. Mind you that my account was only {$110.00} negative. I promptly went to see a representative at XXXX sharp. Was extremely professional and said to him " I have a bunch of overdraft fees in just two days, and I 'm sure you 'll be able to waive them for me since I am a long time customer. '' Well ... I could n't have been more wrong, very, snootily and with much disdain he and confirmed by his manager, clearly stated that these were my errors and not the banks and under no circumstances will they waive the fees. I continued to be courteous and professional and pleaded with him to re-consider. He refused. I then said " Well if that 's what BOA considers Great! customer service, I no longer want to bank here, and lets please start the proceedings to close my business checking and savings account. I then in a last ditch effort, asked him squarely, " You would rather take my money in fees ( {$310.00} ) and lose my business, than help me on this matter, to continue having a loyal bank customer. His reply was " Its out of my hands the people upstairs call the shots, and I 'm sorry there is nothing I can do. " Then to make matters worse, I had deposited the amount I was over drawn, but did not have the money to pay the late fees remaining, {$280.00}. The manager then with no emotion whatsoever forewarned me that if the remaining fees were not paid XXXX things are going to happen that BOA will implement to take action against me. 1. In two days the balance will go to collection, 2. we send an alert out to all banks in our system, and you will NOT be able to open an account ANYWHERE!!! 
I own a small business, I need a business account, I had to borrow the {$280.00} to be able to open an account somewhere else. So in less than 20 minutes I went from a faithful BOA customer to we could care less about you and your problems. I left there feeling so helpless, and absolutely bullied by this way too big bank, BOA.
Consumer complaint received 2015-07-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY (CA)

Bought a lemon Smart Car from XXXX. Six months later needed tires and XXXX did not cover under warranty. The loan was with TD auto Finance. I filed bankruptcy and the loan was included in the BK which was discharged on XX/XX/2013. On XX/XX/2013 I voluntarily surrendered the vehicle. TD auto Finance is showing on my credit that I still have car payment.
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

Re TARGET XXXX. 
I am so grateful Senator XXXX XXXX established This organization and President Obama set XXXX Director. 
TARGET is attempting to collect {$240.00} which I do not owe. 
XX/XX/XXXX I was hospitalized. My Son made {$20.00} payment on acct for flat screen TV. 
XX/XX/XXXX acct was paid in full BEFORE year purchase. 
I receive demand for {$25.00} late fee. This fee was set because My Son did not pay {$25.00} XXXX TARGET determined {$5.00} was late, therefore, I owed {$30.00}. 
I called TARGET, placed messages for CEO. Contacted Billing, speaking to someone in another country advising the fee is legitimate. Having paid acct in full mattered not. 
Calls, connections, TARGET reps calling to say the problem was handled. And ... 
There is Collection Agency threatening lawsuit, threatening to RUIN my Excellent credit which I have worked determinedly to preserve. 
I am senior, can not afford RUINED CREDIT resulting from TARGET XXXX determination to collect {$240.00} because My son, trying to help, made {$20.00} payment instead of {$25.00}. 
Paying full balance as soon as I was released from Hospital, having Always paid more than {$25.00} month meant nothing to TARGET. 
My TV was purchased XX/XX/XXXX. Paid in full XX/XX/XXXX. 
TARGET received payments {$40.00}, {$50.00} and more. I was excellent TARGET customer. And now MY GOOD CREDIT is being ruined all because of {$5.00}. 
HELP, Please. 
Do not allow TARGET to ruin My credit nor XXXX, XXXX, Florida to bring lawsuit for an charge I DO NOT OWE. Thank You. 
Currently I am almost homeless due to Toxic mold in My Apt XXXX I can not live in Toxic Apt XXXX 
I am sleeping on Friend, Family sofas. Mail goes to RA. My Son collects when He has time. This time in My Life is nothing I would have ever expected as respectable & responsible Senior. 
I can not afford for My Good Credit to be ruined especially if I must, regretfully, from place I 've resided nearing to XXXX years. 
My Good Credit permitted TARGET to open Acct immediately for an almost Five hundred dollar flat screen television. Should I have to move I will require, must have Good to Excellent Credit which TARGET has determined to destroy because of not receiving {$5.00}. 
HELP! 
Respectfully,
Consumer complaint received 2015-09-23
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, 2015 I received immediate retaliation because I went to local branch to ask my stolen funds as I reported to CFPB before. The interest earning on my account dropped from 1.1 % to zero percent. On XXXX XXXX, 2015 I was called by Capital One representative regarding lost interest {$6.00} on my account from XXXX XXXX, 2015 to XXXX XXXX, 2015. Because I reported the previous theft activities causing me the loss {$68000.00}, {$1100.00} interest, {$30.00} transpotation expense to go to branch 3 times, and {$200.00} per hour to collect this debt. I received immediate retaliation from the bank to drop my interest earning from 1.1 % to zero percent. I reported immediately. I was told XXXX times by the bank representative on XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015 regarding this credit. But it was never posted on my account. This bank also provided deceptive advertising on promotional offer {$250.00} for business checking account. I have completed all requirement according to promotional offer. I have sent a request to their customer service. But I never heard anything back regarding how they are going to pay. Now this bank owe me total : {$70000.00} plus {$200.00} per hour to collect this debt ( {$2000.00} ). Now I spent at least XXXX hours on this matter. Plus I suffer severe anxiety caused by this theft complaint.
Consumer complaint received 2015-07-15
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Onity Group Inc. (NC)

Ocwen Loan Service and I are in arrangements to take care of a back payment I owe on mortgages attached to my mother 's estate. As the executor I make arrangements at certain times of the month to pay portions off in hopes of remaining current. 

Despite me making these arrangements, I get back to back calls while at work on my cell phone WHICH I ALSO USE FOR MY LINE OF WORK! These calls come sometime just days AFTER I paid a portion of this debt. OCWEN KNOWS my next payment date may be weeks off or even the next month! 

Last week I instructed them NOT to call at work. I gave them an after hours time frame ( which they can easily accommodate ) if they must to reach out ( the money wo n't arrive ANY sooner but hey ... ) The rep at Ocwen looked down at a series of notes and acknowledged that they were calling before the next payment cycle. Therefore making it a lost cause because there are n't any funds until that scheduled day. This morning at work I get XXXX back to back calls and a voicemail. OCWEN KNOWS my next payment is on XXXX but I will probably get about XXXX or XXXX calls ALL DURING MY WORK HOURS!!! All they have to do is look at the notes and NOT call. They WILL get their MONEY!!!
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

In XXXX, my wife and I bought a house together. XXXX, we were separated and the mortgage was refinanced into her name only. Between XXXX and XXXX, I had no mortgage reporting on my credit files as I did not own a house. In XXXX, Ocwen Loan Servicing suddenly began reporting a 120 day late XXXX mortgage and a 120 day late XXXX mortgage. I have made countless calls to Ocwen only to be transferred to a call center with someone trying to collect on these loans. I have sent over XXXX letters to Ocwen requesting validation of these accounts ( knowing that they are not mine ). Ocwen refuses to comply with my requests. I have submitted numerous disputes with XXXX, XXXX and XXXX XXXX with no success.
Consumer complaint received 2015-11-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

I had a bill payer set to be paid from my suntrust checking account on XXXX/XXXX/2015 for {$940.00} to Suntrust Mortgage, {$180.00} for XXXX XXXX, {$50.00} to the XXXX XXXX XXXX. I XXXX my bill payer service on XXXX/XXXX/2015 ( 3 days in advance of these payments being sent ). Suntrust still pulled the {$940.00} from my account and then charged me {$36.00} NSF fees for the other XXXX items after there no longer funds in the account to cover them ( these were canceled in advance of the XXXX XXXX date as well ). As a result I accumulated {$570.00} in NSF fees from debits that occurred during the processing of these previously XXXX billpayers in addition to the {$940.00} that should never have been pulled from my account.