davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

OCWEN AND GMAC MORTGAGE ARE REPORTING NEGATIVE ACCOUNTS TO MY CREDIT REPORT. I HAVE NOTICED A NEGATIVE MORTGAGE ACCOUNT REPORTED BY OCWEN ON MY CREDIT REPORT WITH ALL XXXX BUREAUS. WHEN I REACH OUT TO OCWEN ASKING THEM TO VALIDATE THE ACCOUNT I RECEIVED A LETTER FROM THEM STATING THEY " NEVER ACQUIRED SERVICING ON THIS ACCOUNT '' AND THAT GMAC HAS FILED BK. IF OCWEN NEVER SERVICED MY ACCOUNT THEN THEY SHOULD NOT BE REPORTING IT TO MY CREDIT REPORT. LETTER BEFORE XXXX XXXX STATED THEY ARE REPORTING INFORMATION CORRECTLY.. ( ATTACHED PROOF LETTERS ) THIS IS A MAJOR VIOLATION OF FCRA
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than XXXX business days after the date of receipt. It has been 30 days and this company is in violation of this law because XXXX a victim of identity theft. Please delete these items as soon as possible.
Consumer complaint received 2016-12-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NM)

XXXX XXXX XXXX email XXXXXXXXXXXX I am writing to these person to get my mother 's check from the settlement with Ally. She was promised XXXX in a letter and no one deposited the money in her autoloan, mother sent the next payment minus the XXXX promised and this company kept on charging her late fees every month to the point she is soooo behind. I helped her fill out a form on XXXX or XXXX, we have a copy and they were ( ally ) supposed to give her that money in her loan. Anyway, she is still paying an exhorbitant amount in interest more than anyone can go to pay for a car loan, this has ruined her credit, making her unable to refinance her home and affected her emothionally. When we complain, they threaten us that will impact our credit more and more. Where is the money, they promised us? They gave us a number XXXX XXXX XXXX and it says that in a recording you got all the money left for you guys to use at the CFPB which may be mom 's too. 
Anyway, she is concerned about the credit and the money. She wants the credit information revised to show the XXXX in XXXX 2015 when she was DUE that money and that would have made a lot of difference, she has paid the loan over already if you take into account the late fees, and the interest rate. She does not speak XXXX as her tongue. I am from XXXX. We can not even refinance it due to the impact of the ally fees into the " lateness '' of the payments because of that supposedly money will help people like us. We use the car to work
Consumer complaint received 2016-12-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

My name is XXXX XXXX ( SSN *********** ). I am in the process of filing for bankruptcy and have fallen a little behind on my student loan from XXXX XXXX ( now Navient ). Navient has called a minimum of 4 times per day, does not leave messages, hangs up when I answer, and has started calling family members as well ( several times a day- 4 times yesterday, XXXX XXXX, and three times so far today, XXXX XXXX ). I believe this level of activity constitutes harassment.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX XXXX processed a hard inquiry on my Chexsystems report without my permission then proceeded to add a negative and fraudulent account to them. I disputed XXXX XXXX with Chexsystems.
Consumer complaint received 2016-12-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (OK)

We made our normal monthly payments to Conn 's in XXXX but after a week or so they began calling us multiple times daily to ask why we have not paid. We called them and found out they applied our payments in their systems to old account numbers for our accounts. We had refinanced our accounts previoulsly and these payments were mis-applied by Conn 's to the old accounts. The people in customer service told us it would be taken care of. A couple days later we began receiving the same calls multiple times daily to ask why we have not paid. We again called and explained the situation and asked why they had not taken care of correcting it as they said they would. 
This EXACT cycle has been continuing weekly for the past 9 weeks!!! 
They call us multiple times per day demanding XXXX 's payment and we call in and explain yet again how they made the mistake. Every single person who claims to be workers, supervisors, managers and directors at Conn 's have ASSURED us that it would be taken care of properly. 
Today, my wife called again and spoke to persons identifying themselves as managers and supervisors who again ASSURE her that in another 7-15 business days they will have it corrected. 
THIS IS INCREDIBLY RIDICULOUS AND INEPT. 
I am wondering if this is abuse of the Fair Credit Reporting Act and now am taking action that should have been taken long ago, but we kept believing them when they said it would be taken care of!! 
If this complaint and complaints to the FRCA do not produce positive results we will be speaking to an attorney for our next steps. 


Complaint filed with XXXX on XXXX : Your complaint has been submitted and assigned the ID XXXX. For your reference, a copy of your complaint appears below. You will also receive an email with a link that you may use to view this complaint. 


The complaint is being handled by the dispute center listed below. Please contact them with any questions. 
XXXX of XXXX XXXX ( XXXX and XXXX, Texas ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX Web XXXX
Consumer complaint received 2016-12-21
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd. (TX)

XXXX calls me multiple ( more than 3 ) times per day from different phone numbers. I answered the phone today ( XX/XX/2016 at XXXX ) and I explained to the collector, " Your company calls me repeatedly and I am at work, I am unable to receive calls. '' The woman on the phone stated, " No we do n't, you 're making that up. '' I informed the woman that I would be filing a complaint and calling her supervisor, to which she became increasingly volatile and condescending. I left a message for the collector 's supervisor, XXXX, around XXXX. I have not received a call back.
Consumer complaint received 2016-12-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (VT)

I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX XXXX on XXXX XXXX, XXXX and they obtained financing for me from Credit Acceptance Corporation. I made my first payment in XXXX of XXXX after receiving my coupon booklet from Credit Acceptance Corporation ( CAC ). CAC had also contacted me prior to this via telephone to confirm my information, address, payment amount, etc. Then, at the end of XXXX XXXX, I received a letter from CAC stating that they were cancelling my loan at the request of XXXX XXXX XXXX. They gave no reason why and did not offer any alternative or other information. On XXXX XXXX, XXXX, XXXX XXXX XXXX went to my mother 's housing and took the vehicle without informing me.
Consumer complaint received 2016-12-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My grandmother opened a cc account with Bank of America. I was added as an authorized user. The next day they put a fraud alert on the account. We both went into the bank on XXXX and they advised us that the alert was taken off. XXXX the alert was placed back on the card so again, I had to drag my grandmother back to bank and again they told us it was removed. I call the bank on XXXX and they refuse to speak to us or give any information besides telling us to go into a branch again. The card is needed to help pay for home repairs that have already been started on and now we have no means to pay bc the card access is on hold. I do think it is due to discrimination bc of my grandmothers age even though she has no medical issues and is in her right mind & has answered all questions they have asked.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (GA)

I recently disputed accounts & inquiries on my consumer report that are a result of identity theft and they came back verified. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification- Description of reinvestigation produce. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph 15 U.S.C. ( 6 ) ( B ) ( III ) - a notice that, if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of information contacted in connection with such information and telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I am NOT asking you to reinvestigate but Im asking for the method of verification. Please provide me with the following information to insure 100 % accuracy. If you can not provide this information within 15 days please remove this item from my consumer report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I got contacted by XXXX initially on XX/XX/XXXX. They said they would work on XXXX pages of existing website, do much XXXX, get sales, source codes, key words, get ranking and search engine optimization ( SEO ) all that for a fee and {$50.00} per month. The representative was very persuasive and said I needed their services in order to my online business be successful and make money. I ended up paying a total of {$5000.00} on my BOA credit card. I am disputing my charges because I was told I have 538 days. The charges were done between XX/XX/XXXX and XX/XX/XXXX. I would like to dispute all charges made by XXXX. This company took advantage of me and did not fulfill with their promises. I tried to contact them and resolve with them but never got a response. I would like Bank of America to investigate this merchant.
Consumer complaint received 2016-09-09
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Glass Mountain Capital, LLC (IL)

All these people care about is getting that {$400.00}!!!!!!!!! What I told them is irrelavant!!!!!! My spouse and I are struggling as it is with things!!!!! We do not need anymore XXXX added onto what we have going on!!!!! And I ai n't responsible for a XXXX THING!!!!! These people gave this account to a XXXX collection agency!!!!!! We 're sick of this XXXX!!!!! For real!!!
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I am in the process of negotiating a short sale with my first lender SPS, and they already issued approval once before, and after we requested an extension on the appproval since the XXXX lender did not approve the short sale until after SPS ' approval expired, SPS did a new BPO on the property. The XXXX value came back substantially higher than the already approved price that Buyer agreed to, and the BPO had many glaring errors- the valuation used properties more than XXXX mile away, in different school districts, more desirable neighborhoods, comps that were not even sold, etc. This is the 2nd time SPS has done this on this same exact file. Their first BPO had the same exact glaring errors and they sat on it and did nothing until a prior CFPB complaint was filed. They need to be fined as this repetitive action is becoming malicious and affecting the lives of the Seller and Buyer extremely negatively.
Consumer complaint received 2017-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (IL)

Fidelity Information corp    XXXX   XXXX    XXXX   XXXX  CA,  XXXX  Has reported a debt on my credit among the  XXXX  credit bureaus. This debt was for a corporation not in my personal name. I never signed or ordered work from  XXXX   XXXX . I tried to contact them by phone and was hung up on in   XXXX   XXXX     I then sent letters denying the debt. They were returned so I looked up other known addresses and those disputes were returned by mail as well.     I informed the credit bureaus and they verified it with the company and continue to list on my credit. This company is not letting me personally dispute the debt with them but verifying with the bureaus. I looked up their reputation and this seems to be a common way of doing business.     My rights have been violated it is effecting my ability to buy a home and I want them to resolve this invalid debt with the  XXXX .     Thanks,  XXXX   XXXX
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (PA)

I have had several issues with Wells fargo bank. First when they switched over they said that I signed up for things like checking account overdraft and some other programs which I did not. Then they were charging me isf by readjusting the way monies were posted to make it a isf. I have talk to so many representative about these issues and got a different answer are no answers at all. XXXX representative was so disrespectful and unprofessional that I ask for the complaint address. I also believe that they took monies out of my account between XXXX and XXXX. They sent me about XXXX different atm cards at one time said disregard the first ones and sent another set then another set. I was so confused and I never got any straight answers with this bank. I had been with them since XXXX XXXX so I was trying to work with them but I knew they were doing some under handed illegal things. I 'm just glad now that somebody else caught it and did something about it. Please help me with all that you can. I do n't have documents but i can get a print out from the bank from my history. I just want this investigated to see if it was any wrong doing to my account. I always felt it and I knew something was n't right. Please help to to see if i was part of their scam. Thank you for your kind attention to this matter.
Consumer complaint received 2016-09-09
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: SLM CORPORATION (NY)

After many calls and letters I still am yet to find out the variables used in determining the interest rate Sallie Mae offered. Under truth in lending, there must be some obligation, after receiving all my personal information and processing a loan request, that they provide me with the details as to how the interest rate offered was determined. 

With a cosigner XXXX score of XXXXSallie Mae offered XXXX a loan at anywhere from 8.37 % to 10.875 %!! There is nobody at Sallie Mae who can explain how this interest rate that was offered is calculated, just that it 's non negotioable. Then they are guilty of false advertising since they advertise the following rates : Variable interest rates from 2.50 % APR to 9.59 % APR3 Fixed interest rates from 5.74 % APR to 11.85 % APRXXXX If they are offering XXXX a rate only slightly lower than their highest rates available, with a cosigner with an excellent rating that is agreeing if XXXX defaults to be responsible for the loan, than there is something that does n't add up.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AK)

When I am late on my mortgage payment to Wells Fargo I have in the past added the late fee, which is {$25.00}, so that I am current. For the last 3 years I have had to battle with them to get them to record this as a late fee instead of subtracting it from my loan balance. When they do that they say I owe the fee and it just piles up. I call them to tell them to fix it and all I get is it will be done but it rarely gets fixed. They say I owe {$200.00} now in late fees but the truth is I owe only about {$75.00} because I quit making those payments when I realized nothing was getting done. I have been into the branch to make my payments and told them to make sure that it gets credited as a late fee and still when I get my notice the next month it is still showing I owe the fees. I can not be the only one this is happening to.
Consumer complaint received 2017-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (CO)

I have a judgement listed on my credit report however I have never had an account with Ally I have disputed this several times and requested copies of signed contracts and I 'm getting no response Judgment COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX XXXX, 2015 STATUS DATE PAID AMOUNT {$12000.00} PLAINTIFF Ally Financial Inc ACCOUNT HOLDER Individual CATEGORY Legal Item
Consumer complaint received 2017-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I am an XXXX citizen and resident. I was in XXXX in holiday and the company, Coinbase, closed my account. I provided them with my passport and my residence documents, explaining them that it was just an holiday and as a XXXX citizen I am allowed to go to XXXX. They closed my account, took my money and never replied to me. It 's been over 20 days and I am very worried because I lost my money and they do not want to reply to me. I wrote several emails, provided all the proper documents and asked several times to be able to receive at least an answer, but no one from their team wants to reply to me. I tried also on social media but no results. As a XXXX and XXXX citizen that has proved not to have any business or neither residence in XXXX, I thought it would be easy to solve my problem, but they do not want to resolve it. In the meanwhile they took my digital money. This situation is incredibly frustrating, providing all the documents and proof did not help. Thanks
Consumer complaint received 2017-07-28
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. (CA)

As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my TransUnion, XXXX and XXXX credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX  XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated
Consumer complaint received 2017-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Home is in short sale and Select Portfolio Servicing is taking too long to approve current offer. We had prior offer that was canceled XX/XX/XXXX because buyer waited too long for bank to approve. Now afraid current offer received XX/XX/XXXX will be cancelled too because of bank. Bank is requesting documents that have been sent many times for 1st and 2nd loans and they say " not received ''. As of today they say still missing documents for 2nd loan. Realtor has sent many times two sets of documents, one for each loan.
Consumer complaint received 2016-06-22
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Direct Banking claims they never received a deposit of {$170.00} money order by mail which was sent a week again and I did another moneyorder for {$170.00} priority mail, now they are returning my items but they are affecting my credit. The post office advised it was received but the bank now claims they do not have it. I need to be able to pay my bills but according to the the person I speak today advised no deposits since XX/XX/XXXX but I received a direct deposit to the account on XXXX/XXXX/16, I do not believe, I have been a customer for 10 years but they are causing my credit rating with the return items. The money orders have not been cashed yet but that does not mean they did not receive them. I want all return checks fees plus my {$340.00} credited to my account otherwise I file fraud charges against them.