davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account has a first late payments XX/XX/XXXX  which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my AccounXXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED )
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NV)

Shellpoint Mortgage Servicing has failed to send statements/bill notices on XXXX occasions, once in XX/XX/XXXX, and again for XX/XX/XXXX. They are unavailable for contact by telephone, and have the usual convoluted call director that ends up on a " forever '' hold. They do n't accept online payments. It is my suspicion they are trying to set up some additional fees by charging for late payments. We had a similar problem prior to our HARP II refinance with XXXX Mortgage.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (TN)

There is an account with OCWEN reporting on my credit report, account number XXXX, that is not and never was my account. I am in the process of refinancing my current mortgage with XXXX and I am unable to move forward because of this issue with OCWEN. My credit report says it is a charge-off account that I still owe {$25000.00}. Every time I call OCWEN, they tell me the account number that is on my credit report for them is in fact NOT my account, and that this is for a property in OHIO for someone else. They are unable to tell me who, since this is not my account which I understand. However, I have asked multiple times for them to confirm this by sending me a letter verifying that this is not mine. The first time they told me they were unable to do this. After multiple complaints they told me a couple weeks ago they would send something to me in the mail. I never have received anything. Furthermore, I submitted something to XXXX to call OCWEN and verify. They called and OCWEN said it is to stay on the account. Then when I call they said its not mine?? I want this resolved asap and I need to get this loan refinanced and this is holding me up.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Well, 4-5 years ago I had cable XXXX and always paid my bill on time but was very unsatisfied with the service. ( They did n't hook up the right amount of boxes for the amount of rooms then wanted to charge me {$100.00} to get another box that I was suppose to have gotten for free at initial hook-up, so I just let that go and stayed with the one box I got. I did have to pay to get switched to the channel line-up program that I was suppose to have had to begin with. : just a couple of examples of why I was unsatisfied ) So I decided to cancel my service, and just learned that they 're still XXXX 4-5 years later ) trying to collect {$380.00} just for cancelling my service early. I did n't even know that they 've sent it to a collection agency until now. There 's no way I can pay that because I raise my XXXX kids by myself and have to scrape just to pay regular bills and necessities! How can I get them to drop this debt? And I had service through XXXX in either XXXX or XXXX so I 'm wondering why they waited until XXXX to send the debt XXXX to try to collect it. (? )
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (TX)

Initially contacted Experian to see personal id info as part of Social Security account initiation process. SS told us to use info as listed with Experian for id verification. In the process inadvertently signed up for their service. Their website has no link to cancel service and very long waits on the phone to get service. 
By the time we finally reached someone the 7 day " trial '' period had passed and we were charged for a month of service. It has been less than two weeks since we initiated the service. They would neither refund nor prorate the charge.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (NJ)

The BarclaycardUS.com Upromise by XXXX card has, XXXX, a deceptive practice regarding payment due dates. ( Many other cards have this too. ) In addition to a date, they also have a time by which payment must be submitted online, else the payment is considered late, and a late fee is incurred. In this case the time is XXXX XXXX. Nowhere on the face of the statement is the time listed. It is buried in fine print on page XXXX with the phrase " Payments made on our website by XXXX XXXX ET will be credited to your account that same day. '' Customer service tells me it has always been written there in the fine print, and I believe them. My point is, how many people actually read the gray fine print on the back of the statements. Should n't, for the sake of clarity, it be required for credit card companies to print any time restrictions on the front of statements, next to the due date that they take the time to print in bold?
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

I filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The bankruptcy was completed and discharged on XXXX XXXX, XXXX. Equifax put the company, that was included in the bankruptcy as an open account, 1 month late with a balance of usage of 97 %. I complaint to them on XXXX XXXX, XXXX, explaining that the company was included in the bankruptcy and discharged. They ask me to fax documents proving this, which I did on XXXX XXXX, XXXX. 
I fax them my original bankruptcy paper dated XXXX XXXX, XXXX, a copy of all the creditors, which included the company I was complaining about and my bankruptcy completed and discharged papers dated XXXX XXXX, XXXX. They send me credit file : XXXX XXXX, XXXX, confirmation # XXXX. They just put included in bankruptcy, but left status balance amount of {$9200.00} and past due {$9200.00}. I claim again and spoke to Rep., XXXX on XXXX/XXXX/XXXX @ XXXX and complained about the balances, she transferred me to Supervisor, XXXX , she said she would file another complaint to the company, because she said the company has the right to report it and the would have to remove it, they could not. She said it would take an additional 30 days. I then contact the company ( US Post Office XXXX ), I spoke to XXXX XXXX on XXXX/XXXX/XXXX @ XXXX, I fax her the bankruptcy documents andshe changed the information 10 business days later. Equifax then updated the information, with what she put in the file, but they kept it as an open account, even throughit is not. So my credit score when up, with the corrected information. On XXXX XXXX, XXXX, Equifax reinserted the information and said the company did it. I have not had any problem with any credit reporting agency, but Equifax. All the other credit reporting agencies, when I send them my bankruptcy documents, did not allow any companies included in the bankruptcy to report anything, but that they was included in the bankruptcy and no balances, including the US Post Office XXXX. By them constantly putting this information on my credit report, it is constantly lowering my credit score. I do not know what else to do, but to have a third party, as your company, to get involve.
Consumer complaint received 2015-07-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect (NJ)

I recently reviewed my credit reports and discovered that there are XXXX ( XXXX ) accounts in collection on my credit report from a company named AMERICOLLECTS Inc. of XXXX, Wi. Looking further at these XXXX items they are collecting for their client XXXX XXXX XXXX. Neither myself nor my wife XXXX XXXX have used the services of this XXXX XXXX. I am not a guarantor for any bills except my wifes. All of my XXXX children are adults and I am not responsible for their bills either. 
I have received no correspondence of any type from either XXXX XXXX XXXX or AMERICOLLECTS Inc. They just decided to report my name to the XXXX credit bureaus.
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO. (NM)

Around XXXX, I received XXXX credit card offers under my company name XXXX XXXX XXXX from Chase Financial Services. As I was president of the corporation, the cards was in my name as well as the corporations name. All purchases on the cards were company related purchases. No purchases were ever made by me for anything personal. As a result of the financial crises beginning in XXXX, my company, which had been in business for XXXX years ( XXXX ) went bankrupt. Chapter XXXX was granted in XXXX and company was taken over by the trustee. All creditors were notified and released me of debts except for Chase. Chase claims I am personally responsible for the corporate debt even though I never signed any personal guarantees. I have requested over the past several years for them to provide me something, anything, indicating that I have agreed to personal liability. They have refused. What they have done is ruin my credit, increased my borrowing costs and limited my financing options. Please help
Consumer complaint received 2015-07-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am trying to file a complaint against Bank of America on a Home Equity Loan ( XXXX ) which I paid off in XXXX. The problem began after my ex-husband, XXXX XXXX, passed away on XXXX XXXX, XXXX. His current wife, XXXX XXXX XXXX, sent a statement ( XXXX XXXX ) from BOA to my office in care of her tenant XXXX XXXX. Up until this time I had no idea there was a loan against our jointly held property located at XXXX XXXX XXXX, XXXX, XXXX XXXX as there was already a privately held mortgage on this property. 
When I contact BOA to ask about this, I was told my social security number was not the XXXX on the account and that I should go to a local branch as they could not tell me any information over the phone. I went to the BOA branch at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and spoke with XXXX XXXX XXXX. I explained the situation and she contacted BOA and got me a copy of the signed loan application, changed SSN on file to mine, and had statements sent to my home. XXXX XXXX advised me to contact BOA 's Fraud Investigation unit. 
I contact the Fraud Investigation Unit ( XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX ). I sent her all the information and she turned the case over to XXXX XXXX. I had to fax XXXX XXXX property documents, divorce decree, and other papers. XXXX XXXX 's stated that the signature looked strikingly like mine and that I was responsible for loan. I began making payments as I did not know what else to do. At the same time XXXX XXXX from XXXX XXXX was handed the case as they insured the loans that BOA bought from XXXX Bank. She too asked for all the paperwork and my story. Because I made payments on the loan XXXX dropped their investigation as making payments means I accepted responsibility. I did not know at that time that I had a choice. XXXX XXXX told me to ask BOA for a copy of the ID that was used to authenticate the loan and prove that I was the person in the Bank. XXXX XXXX informed me that this loan was originally with XXXX Bank and was opened in XXXX at which time I was already divorced. This is the year that XXXX XXXX purchased his home in XXXX and I am of the opinion that the money from this account was originally used as the deposit for this purchase. I have since paid this loan off as I sold the XXXX property. 
To date, no proof of identification was every provided. I have had to pay {$90000.00} for a loan that was used to purchase XXXX XXXX 's home, and he wrote checks to his wife and her children. I am unsure of how XXXX Bank issued a loan on a property that was already mortgaged. 
I wish to know if there is anything you can do to assist me in recouping this money.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (OH)

The alleged debt is erroneous. ALL associated costs were paid when I switched phone service providers. I have requested, from the claimant, records to support the purchased debt. Claimant has failed to provide supporting documentation to support their claim. Instead the company who purchased the alleged {$41.00}. debt, unethically reported the debt as valid, while refusing to support their claim.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (TX)

My mortgage was recently sold to Residential Credit Services ( RCS ). My current interest rate is 2 %, but RCS has been charging me 3 %. I am going on week XXXX of trying to get it changed, they have acknowledged the error, but it is still at 3 %. I am getting ready to sell my home and need this corrected and the incorrect amount that has been applied to interest needs to be applied to my principal balance. I also have never received any buyer/owner incentive that my HAMP modification indicated I would be receiving ( {$83.00} per month or {$1000.00} per year ). I am approaching my XXXX year into the modification and have never received any documentation indicating this incentive had been credited towards my principal balance.
Consumer complaint received 2015-07-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (IL)

As a XXXX account holder at US Bank, I would like to file a complaint with/against US Bank. US Bank cleared a check where the " pay to the order of '' was blank ; the written dollar amount was blank ; the signature line contained a line with bumps XXXX no representation of the account signature card ) and no endorsement on the back of the check. The date and numerical dollar amount were the only items filled out ( redacted copy of check attached XXXX Account holder checked bank statement utilizing US Bank mobile app and realized that balance on account was suspicious. The US Bank website revealed that an out of sequence check had been presented. Further review of the checkbook identified that the check in question and its duplicate had XXXX been pulled from the check book 6 checks beyond the last written check. No other duplicates had been removed. The US Bank fraud department was immediately contacted, where a hold was placed upon the account. A fraudulent activity customer statement was started over the phone. The representative told account holder to : visit a branch within the next few days ( this phone interaction occurred on a weekend ) to complete/sign the fraudulent activity customer statement ; to contact the security department at work XXXX where account holder believes the check had been stolen from a zippered bag within an employee break room ) ; to file a statement with the police station nearest to work ; and, to have copies of all said documents sent to the US Bank XXXX Department. Approximately XXXX weeks after all paperwork had been submitted, account holder received a letter XXXX copy attached ) denying fraud/reimbursement due to " Customer Negligence '' for not providing adequate security for the account number. 
Account holder visited the US Bank XXXX XXXX and spoke with a manager in an attempt to determine how the check was presented to US Bank for payment in order to update the police report and allow the police to continue any investigation. This manager reached out to one of his fellow associates in the fraud department to request presenting bank information for the check in question. Account holder was informed that the requested information should be received via a letter to her home in XXXX weeks. The branch manager also indicated that due to all of the electronic methods available for presenting a check that when US Bank is presented with a check it has to be paid, without concern for the integrity/completeness of the check. After XXXX weeks, account holder contacted this manager to follow up because no information had been received. This manager called associate back and was informed that the fraud department was unable ( or unwilling ) to provide account holder with this information.
Consumer complaint received 2015-07-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Eastpoint Recovery Group, Inc (TX)

On XXXX XXXX XXXX for Eastpoint Recovery called me and told me that file # XXXX that was forwarded to my office, this is not a solicitation, this is regarding a very urgent matter that was forwarded to my office .... Your file has been red flagged as a direct refusal to resolve ... .I will grant you a final opportunity to get in contact with this office ... ... .I will be making my final recommendation that we do move forward on the file ... ..unfortunately this will be assigned for further action ... ... at XXXX tomorrow I go to a meeting to assign your file from further action, and I am trying to prevent that from happening. 

Then on XXXX Eastpoint Recovery called me again, saying .... My name is XXXX XXXX, XXXX as in Sheriff ... .. We have a problem here, do you have a son? ... .. We have a problem sir ... ..This is regarding XXXX Bank XXXX XXXX XXXX XXXX I guess you bought some stuff online .... You were paying on it from three years. 

Eastpoint and their debt collection representatives harassed me and pretended to be a government official. Clear violations of the FDCPA and the Texas Finance Code.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

OCWEN MORTGAGE. Ocwen sent escrow shortage notice XXXX/XXXX/15 reporting XXXX {$960.00} amount. I paid this amount in full and payment was credited to my account as Escrow Payment on XXXX/XXXX/15. Received statement dated XXXX/XXXX/15 for XXXX/XXXX/15 payment and Escrow amount was listed as {$370.00}. On XXXX/XXXX/15 Ocwen processed a payment which included an escrow payment in the amount of XXXX {$960.00}, the full payment including this escrow amount was deducted from my checking account. The amount deducted was in excess of @ {$580.00}. Fortunately I had the money to " float '' Ocwen 's accounting mistake. If I did not have the extra funds in my account I may have been charged excessive bank fees, erroneous credit reporting, and ridiculous amount of time and effort for the inept activity of Ocwen. Currently Ocwen is reporting on statement dated XXXX/XXXX/15 I again owe XXXX {$960.00} for escrow. I contacted Ocwen XXXX/XXXX/15 and spoke with Escalated call rep XXXX who is researching my complaint and reports my information is correct regarding the error in the escrow amount and once review is completed I should expect a refund check within 5-7 days ... ... ... ... ... ... ...
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX, XXXX  XXXX, and XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, and XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Consumer complaint received 2015-07-08
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (DE)

{$3.00} REFUND REFUSED FROM A FAILED WESTERN UNION XXXX XXXXI MADE A MONEY TRANSFER THROUGH WESTERN UNION AT THE XXXX STORE XXXX XXXX XXXX XXXX, DE ( XXXX ) XXXX MANAGER XXXX. THE TRANSACTION NUMBER SHOWED AS VALID THROUGH WESTERN UNION TRACKING ONLINE. ' '' SEE ATTACHMENT ''. HOWEVER THE RECIPIENT WAS TOLD THE XXXX NUMBER WAS INVALID. AND THEREAFTER IT WAS NO LONGER VALID WITH ONLINE TRACKING. XXXX MANAGER XXXX SAID WESTERN UNION HAS TOLD HER IT HAS CREDITED BACK THIS AMOUNT TO THE XXXX STORE BUT SHE SAYS IT WAS NOT. AND IF IT WAS THE MAXIMUM REFUND I COULD RECEIVE IS {$990.00} ACCORDING TO CORPORATE POLICY AFTER SPEAKING WITH THEM. COULD YOU KINDLY ADVISE ME WITH THIS MATTER. 
MY NAME IS XXXX XXXX PHONE # XXXX. 
XXXXXXXXXXXX I THOUGHT I SHOULD ADD THAT WESTERN UNION TOLD ME OVER THE PHONE THEY COULD MAIL ME A REFUND CHECK BUT IT WOULD TAKE TWO WEEKS OR I COULD DRIVE XXXX ABOUT XXXX MILES AWAY TO RECEIVE A CASH REFUND. I DO N'T BELIEVE THAT AND NEITHER DOES THE XXXX MANAGER XXXX XXXX, DELAWARE.XXXX ) XXXX
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America charged me {$640.00} for cutting my grass. Bank of America has never cut my grass. I called Bank of America and was told that the {$640.00} that I was charged would be refunded to me, this was 3 months ago and I still have not received a check from Bank of America. Here are the dates that I was charged for cutting the grass which NEVER happened from internal Bank of America 's documents:XX/XX/XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$80.00}
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (OH)

Chase has a mortgage on our florida condo. 
We have not been able to get a REFI! 
the Chase underwriters claim it is a " condo-hotel '' It is NOT and was NOT ever documented by the FL. deptas one. But we are stuck with a higher interset rate