davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

Same behavior exhibited by XXXX/Navient as decribed in this articleXXXXStarted repaying a {$14000.00} student loan four years ago with additional monthly amounts labelled to reduce principal outstanding. The additional amounts were always posted to future interest payments so today the principal balance is {$12000.00}. XXXXNavient harasses constantly for advance payment of monthly amount due and NEVER applies additional principal payments to the principal. This is a huge rip off and is not like other responsible student loan processors.
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

We received an email from our credit card company, Capital One, on XXXX/XXXX/16 Friday asking us to confirm recent purchases. We called on Monday, XXXX/XXXX/16 to confirm, and they said it was too late, that one of our merchant 's systems had been compromised and they may be collecting sensitive account information, so they were turning off the credit card. We asked which merchant, and they would n't tell us. We asked them to please not turn off the card because it is used for business expenses, but they said they could n't do that. They said they would send us a new card. We have waited two weeks, and still no card. Today, XXXX/XXXX/16, Monday we called to ask what the status was. They said the card was still in effect, but had just been labeled to restrict use. They never told us a new card was n't coming in the mail. We asked them to turn the existing card back on, and they finally agreed to that. Two weeks ago we asked them the same thing, and they would n't do it. This has caused an interruption in our ease of business, as the owner of the company has not had his business credit card to use for the past two weeks. Very disappointed in Capital One 's lack of communication and lack of customer service to service our needs.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (FL)

First, the servicer, RCS, filed a foreclosure action when they had no cause. They claimed I had not made all payments on time, but at trial, I was able to show this was not true. Second, they then claimed that I had not provided all loan modification documents in a timely way. This was a last minute claim, and the plaintiff produced documents at trial that they had not provided during discovery. Their own records, which they hid from me until rebuttal, show that I had not only provided all documents, but that they had used fabricated, outrageous and irrelevant reasons to turn down each of my loan modification requests. They knew this, and mislead the court into believing I had not met the terms of the loan mod. They lied in court. Third, during the actual loan modification process, they ignored modification requests they received as late as XX/XX/XXXX. Finally, their own records show that ( a ) I was current when I asked for a loan modification, ( b ) they dragged their feet on the loan modification for two years, until the arrearages totaled approximatly the Net Present Value of foreclosing on the property. I contend that they never had an intention of entertaining a loan modification. They offered the loan modification only to put me in a position where ( they thought ) I would have no choice but to vacate the property and let them sell it out from under me. Now, when they filed with the court for a sale date, I answered with a motion to review the case showing the plaintiff had lied in court ( please see attached documents ). The Plaintiff 's reply was to sell the loan to another servicer and walk away.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

One of my accounts ( XXXX ) is not showing on my Equifax credit file. I spoke with several XXXX agents in their credit reporting department and they assured me that they are sending the same information to all 3 credit bureaus. My account is showing on XXXX but not Equifax.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

On XXXX XXXX, 2016 I sent letters disputing items on my credit report. I submitted a copy of my ID along with my SSI card. My disputes were rejected with a letter stating my ID is incorrect. My previous address XXXX XXXX XXXX XXXX XXXX , TX XXXX is my previous address. My current mailing address is : XXXX XXXX XXXX XXXX, TX XXXX. I have submitted the letters of dispute along with a copy of my ID, SSI Award Letter, and my SS Card. Please continue to dispute the items in the correspondence attached. 

Inquires : ( past 2 year timeframe ) - MUST BE REMOVED IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX Judgement : PLEASE VALIDATE THIS ACCOUNT No lease was ever signed for this property in my name. 
XXXX Creditors : PLEASE VALIDATE ACCOUNTS XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2024-11-13
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (UT)

I have a loan with BMW Bank of North America for my XXXX XXXX since XXXX of 2015. I pay XXXX extra every month on the loan yet my interest each month remains the same. I can not log into my loan online so apply my extra payments to the principal because the website is perpetually down. I get a XXXX error that the connection timed out. I have tried to access the site from home and at work. How can I manage my loan when I can not log into the website?
Consumer complaint received 2016-01-16
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ORG GC GP BUYER, LLC (MI)

My students loans went into GC services as they defaulted while I made to little money to pay them and the private bank ones and my cost of living. I have changed my profession and working 7 days a week and for a year now been having it with GC Services. They wanted a payment plan I am paying them to the US National Payment Center for Dept of Educaiton. I never get a receipt, or any communications of any kind. I had to send in over a dozen email and letters to ask for Rehabilitation Processing and payment plan was set at {$170.00} a month based on my income reported and documented. 

I have been paying it always on time, even ahead and over the amount working lots of over time to make all due effect on this. I have NO communication of any kind. I get a letter from the US Dept of Education that they are charging a XXXX % commission on payments. So between their commission and then the interest on the amount now raised $ XXXX to $ XXXX on a $ XXXX original loan balance I am looking at not a cent is going to principle. 

I am trying to get out of default. I am asking both GC Services in emails, written letters in the mail and the US DOE the same and calls and told GC has all the cards here. Well in less then 90 days I am the 9 months of paying per the Rehabilation process. I have NO information of what are my duties, needs to do here, options, rights? Reciepts, what are my tax deduction for filing in 2015 on this in the XXXX digits. No idea if I am getting my tax refund this year or is GC going to seize that before Rehabiliation 9 months ends. 

What do I owe once that process is out of default? 
What do I need to do when to get out of default with less then 90 days left till kept payemnts to the agreement and then some? 
Who then owns my payment and the regulations? 
Do I still owe XXXX % commissions to GC then or are these dropped? 

I want to know where I stand on my 2015 tax return. 
Want to know what forms I need to file my taxes with the interest deductions they are I am assuming required to provide and when by? 

Having some written information from GC Services on these matters would help me understand my rights, process and how to end being in default when I have meet the agreement. 

Do I have fees after I am out of default or just the interest as the original loans were taken out as the additional to the principle?
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, Equifax ( r ) and XXXX ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX, XXXX, and Equifax. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note XXXX, XXXX, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( Equifax , XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.
Consumer complaint received 2016-02-21
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (CA)

VA Loan for Veteran. Mortgage loan application was submitted for credit approval only on XXXX XXXX. We asked the branch manager to submit the file to underwriting as we knew we were going to have a 30 day closing. We provided all income/assets/credit documentation. Including my XXXX form, my parole in place, Social security card. We found a house XXXX XXXX, I asked the Loan officer to please submit my application and provide the disclosures needed to start the process, the day I found out they never submitted the loan for underwriting approval, I requested for my information to be submitted as soon as possible. on XXXX XXXX I was told the only items needed for final approval/clear to close was the appraisal report and the termite report, they both came in the same day. on XXXX XXXX the processor called saying they needed a copy of my XXXX, I told her that my legal status did n't required a visa. provided the documentation my attorney gave me and asked for them to call XXXX, I was told VA had this requirement. I called VA in AZ who handles CA VA Loan approval. I was told that was n't true,, the underwriting representative told me that VA only requires for the spouses income to be stable, that VA loan was mean to help the veteran. I spoke with the branch manager and loan processing manager, I was told by them that it was a Navy Fed Credit Union. They had my file for over 40 days, my rate was locked and now I 'm they denied my loan since I cant provide this " XXXX '' that I do n't have. XXXX asked me to ask them to call them to verify the information, they would n't do anything extra to help. I feel they waste all of this time, lowered my fico score from running it so many times and now I have to look for a new lender pay a higher interest rate and fees. Should n't they have checked this before? my loan application clearly disclosed this information, I provided copies of all these docs. I asked multiple times if they needed anything else from me. 

Can you provide give us some advice? This seems very unfair for a applicant and up to a certain point discriminatory as I 'm allow to work in the USA, I have since I was XXXX I 'm now XXXX the close of escrow is XXXX - this house was the perfect house for my husband who is XXXX, the owner had already set up the house for a XXXX person. We do n't want to lose this house. 


any help will be appreciated Thank you XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2016-02-23
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (AZ)

We bought a mobile home in XXXX Id. They would n't let us see the place till we signed all the paperwork. No cell phone service or land line.They knew about XXXX XXXX medical condition needing a phone.There was holes in the skirting. Also air was in water lines.The kitchen sink jump all the time and had to try to start it a couple of times to get water. We had satellite tv and it would come up no signal.
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (AZ)

Chase charged off my account with them in XXXX. I have received numerous collection letters from different collection agencies since then. The have reported the account 90 days past due each and every month even after they charged if off continuing to hurt my credit. I paid the account in full XXXX. They say it was an accurate account history of 90 days late each month although they sold the account to a collections agency and it was charged off.
Consumer complaint received 2024-11-13
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 180020177 ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2015-07-24
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

Visa Debit Card # XXXXWrongful use of debit card : XXXX Police Report # XXXXPlease be informed that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute. 
Location Address Date of Occurrence AmountXXXX-XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXCHASE XXXX XXXX XXXX XXXX XXXX , TX XXXX/XXXX/2015 $ XXXXI noticed these fraudulent activities when I went online to check my account on XXXX/XXXX/2015. 
Please review my attached transaction activity log as it vividly shows my pattern of using this UCARD Debit card since XXXX, 2015. All transactions over {$200.00} are done either inside a local Chase Bank or at Chase ATM location or transfer to my other Chase Bank account in my City of residence ( XXXX ). 
Before the fraudulent activities of XX/XX/XXXX & XX/XX/XXXX, I used my card in my City of residence XXXX as I 've marked all in the attached transaction activity log. After the unknown fraudulent activities of the said dates, I made transaction in my City of residence in the morning of XXXX/XXXX/15. The question is who stole my money from those XXXX locations in XXXX, TX? Did Chase Bank duplicate my Debit card with my information? 
As I was talking to Chase customer service agent, I was meant to understand that a video snap shot caught a male and female drivers of a minivan committing this fraudulent activities. In response to that vehicle, I own and drive a BMW X5. Since the video caught a minivan, I ask Chase Bank to please make the information available so that the suspects will be apprehended and credit my account ASAP. 
For my whereabouts a day before the frauds occurred, I attended a wake keep for a dead relation in the XXXX XXXX XXXX on Friday night ( XXXX/XXXX/2015 ) and was home in XXXX, TX all day Saturday and Sunday when these illegal activities happened. 
I want to make it very clear to Chase Bank that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute, I do not have a suspect to this crime other than to say that my Visa Debit card credentials were compromised and the sum of {$1100.00} ( XXXX XXXX XXXX XXXX and XXXX Dollars ) were stolen.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

OCWEN Loan services added {$420.00} to my escrow balance for lender-placed insurance coverage for 3 months. I had this mortgage for more than 10 years with GMAC. OCWEN took over servicing the loan 5 or more years ago. They sent me letter about getting a XXXX insurance in XXXX 2015, I told them my XXXX provides insurance that covers both the inside and outside of my condo unit. OCWEN was going to check with my XXXX, then call me back to let me know if I need additional coverage or not. They never call me back and in XXXX they send me a letter saying that they bought an XXXX insurance covering for {$320000.00} ( this how much my whole unit is worth ) on my behalf for {$1400.00}. No one could tell me why I was n't told, that after checking with the XXXX, which they did not, that I need a XXXX coverage for the interior walls. While discussing with OCWEN I went and bought an XXXX coverage for {$320.00} for the whole year, sent them a copy and they credited my escrow account for {$1000.00} and said I 'm responsible for 3 months or {$420.00}. The following month they raised my payments more than $ XXXX month, I had to call them several time to have them reverse the new monthly payment. The lender-placed insurance OWCEN said they bought for me, show on a " declaration page '' that is was issued by XXXX XXXX XXXX. I called XXXX XXXX XXXX and I 've been told the policy number I 'm given does n't exist and they said they do not do " lender Placed '' business with OCWEN and they were surprised OCWEN will have their name on a fake evidence of insurance. 
I called OCWEN to tell them and ask them for a copy of the Master Policy. they said they do not have XXXX, all they have is a declaration page. They ca n't prove that they bought an insurance policy on my behalf! all I 'm asking at this point is a copy of the master policy of the XXXX insurance they bought for me, I think I am untitled to the master copy if I am paying for the coverage, or my money back, {$420.00}. 
How can this happen in XXXX! OCWEN is hiding in XXXX and running the most fraudulent and unethical business practices I 've never seen. It has to be something we the consumers can do about this.