davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I previously submitted a complaint regarding a {$1200.00} payment on XXXX/XXXX/2015 being held in suspense and not being applied to my mortgage. Ocwen responded and indicated that it could not be applied as a regular payment since my account was already paid 3 months in advance ( payment due XXXX/XXXX/2015 ) but that it could be applied to principal. I requested that the payment be applied to principal, as suggested, effective XXXX/XXXX/2015 but that still has not been done.
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (AZ)

Thy put this on my credit XX/XX/XXXX after I sent then proof of this being paid. It was paid XX/XX/XXXX, cancel order XXXX, XXXX was told to discontinue service. At location XXXX XXXX XXXX XXXX XXXX Az XXXX, XXXX said thy ca n't delete the account per federal law. I request the account to be deleted and Pinnacle refused.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Green & Sons Agency, Inc. (UT)

The company is reporting an outstanding balance in collection for a debt which I paid in full, or perhaps overpaid, through a Chapter XXXX bankruptcy. 

I disputed the information inaccurately reported on my XXXX credit report, but the collection agency refused to correct it.
Consumer complaint received 2017-02-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (IA)

On XXXX 2017, Midland Funding LLC through their attorneys XXXX served small claims papers at my home regarding a 14 year old credit one credit card debt. The papers were not in an envelope and were given to a neighbor who was watching my new puppy as I was at a work function. The server was notified I was not home and he was not my spouse.The server than informed him that they just were legal papers to sue me in court for not paying my bills!
Consumer complaint received 2017-02-16
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

In late XXXX XXXX, my husband and I began the process of applying for a HELOC. We were approved by both banks for which we applied to ( my credit union and our current first mortgage holder, Chase Mortgage ). Ultimately we decided to go with Chase, they agreed to lower our originally approved interest rate to be in line with the approval rate received by the Credit Union. Also, we assumed the process would be streamlined, quicker, and easier with Chase as they held our first mortgage. 
Unfortunately, that was not the case. We experienced many delays and back and forth due to internal errors such employees misrepresented loan rates, misadvising of company policies, and engaging in dishonest loan origination practices. Additionally, delays were caused by Chase employees inaccurately sending the paperwork to the underwriters incomplete and subsequently, sending the paperwork a second time with erroneous information. 
Their internal errors resulted in the loan process going over a 60 day period. I was advised of the potential of another credit inquiry as is generally their policy if the loan process goes over 60 days. As a result of this information, the loan process timeline, and rate discrepancies we advised Chase of our intentions to pursue the loan with my credit union and forgo the loan with them. However, Chase guaranteed the rate issue would be resolved and guaranteed, as the delay was their error, they would not pull my credit nor my husband 's again. We agreed to the loan under those aforementioned conditions. 
The loan was signed on XXXX XXXX, XXXX. As of today XXXX XXXX, XXXX our credit monitoring has advised that on XXXX XXXX, XXXX Chase Mortgage has completed a hard inquiry on both my husbands and my credit report. These inquiries are illegal and unauthorized. This is a violation under the Fair Credit Reporting Act.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (SC)

Midlands called me to collect an old debt on my cell phone. I asked them to not call me anymore. Three days later, the company started calling me at my job and also gave information about the debt to my boss and other coworkers.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

Equifax continues to erroneously report Chapter XXXX bankruptcy information. They have claimed repeatedly that they are not doing this -- but a credit report pulled today by my mortgage lender confirms that they are : Good Morning XXXX XXXX : I just got off the phone with our XXXX party credit reporting agency and evidently Equifax is the only credit bureau that is reporting the XXXX XXXX XXXX XXXX accounts as a Chapter XXXX versus a Chapter XXXX. 

Here is the documentation they will need to go straight to Equifax to have this corrected:1 ) '' Discharge of Debtor '' page of the bankruptcy paper work2 ) Schedule " D '' of the bankruptcy paper work showing the XXXX XXXX XXXX XXXX accountsPlease send to me and once received, I will send a credit repair letter to our third party credit reporting agency to have changed from a Chapter XXXX to a Chapter XXXX. 

Also, fyi, here is information regarding the XXXX XXXX XXXX XXXX accounts in question : XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX of XXXX XXXX Opened XXXX XXXX XXXX Credit Limit $ XXXXXXXXThanks! 



XXXX XXXXBranch ManagerNMLS # XXXXPhone : XXXXXXXXToll Free : XXXX XXXXCell : XXXXXXXXFax : XXXXXXXXXXXX
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-08-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (DC)

I made a bill payment using TD Bank 's Online Banking bill payment feature for the first time. The bill was to be paid on XXXX XXXX, 2015 and the payee was a XXXX Credit Card. The day after the bill was to be paid, the payment was shown as 'paid ' in the Bill Pay XXXX Bill History screen but does not show as having been 'paid ' in Account XXXX Account History screen nor does it even show as being a 'pending ' transaction '. I called TD Bank customer service and was told by the agent that despite the bill being shown as 'paid ' on the bill payment screen, the bill would only be deducted from my checking account when TD 's credit card department had 'cashed ' the paper check that TD, the Bank had sent to them. They could not tell me when that would occur but that I should " keep in mind '' not to spend the money or the account might go into an overdraft situation. What kind of trickery is this? Showing a bill as 'paid ' and yet not debiting the account until some future, indeterminate time? How many TD customers must believe they have paid bills using TD Bank 's online bill pay system only to discover that they had not? If I were very cynical, this process seems another way to deceive customers into overdrawing their accounts, thereby allowing the bank to charge overdraft fees. Citibank, the other bank with which I pay bills, deducts the account at the moment the check is drawn or the electronic transfer is made. There is never any confusion there.
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DISPUTED ACCOUNT ON MY CREDIT REPORT THAT WERE MADE WITHOUT MY CONSENT. ACCORDING TO SECTION 604 OF FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNT AND CAN NOT FIND ANY PERMISSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY REPORT. DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Coastal Credit, LLC (OH)

My car payment is due in the XXXX of each month. It is financed with Coastal Credit LLC. Due to my pay schedules, I generally make my car payment around the XXXX of each month. The phone calls I understand as I am technically late. However they have repeatedly sent me unsecured text messages regarding my delinquency and I have asked them to cease contact attempts with me in this fashion. They have recently messaged me on XXXX regarding the delinquency as well. Unfortunately this was seen by several of course workers as I was not in a private location when this was seen. This happened on XXXX/XXXX/2016. I was contacted by XXXX CoastalCredit. Neither method of contact is considered secure and I feel is completely inappropriate.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frederick J. Hanna & Associates, P.C. (closed) (PA)

Received copy of garnishment from Employer which Frederick J Hanna Associates is attempting to garnish my wages for a XXXX XXXX credit card debt. I had the card back in XX/XX/XXXX, received last correspondence in XX/XX/XXXX and the debt written off back in XX/XX/XXXX to another debt collector. I have not received any future correspondence regarding this debt until current- XX/XX/XXXX from Frederick J Hanna Associates . The amount is 3 times the original debt, the statute of limitations has passed, the debt originated in XXXX but I live in XXXX and have been living in the state since XX/XX/XXXX. It is illegal to garnish wages for credit card debt in the state of XXXX.
Consumer complaint received 2016-05-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Professional Bureau, Inc. (TX)

I have asked Merchants & Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-03-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (TX)

On XXXX XXXX, XXXX, I was advised to check my credit score because it was way low so I checked my credit report to discover that there 's a collection account showing opened XXXX XXXX, XXXX and reported on XXXX XXXX, XXXX from Williams Fudge Inc. for {$4000.00}. I have not received any formal letter or a courtesy phone call from this company. My address and telephone number is still the same. I 've had many issues in the past with this company and others about this particular debt that keeps reoccurring on my credit report. I have already sent XXXX letters to Williams Fudge Inc. back in XXXX XXXX & XXXX XXXX ( certified mail receipt ) regarding this same exact debt letting the company know that I do not owe this debt. The negative information was removed off my credit report back then. In XXXX XXXX another company placed the exact same debt on my credit without notifying me. It was later removed. And here we are yet again in XXXX XXXX this debt is back on my credit report with another so called owner/collector. Ridiculous!! This is a horrible pattern with companies not notifying individuals & placing things on your credit, not providing legitimate validation but expect consumers to pay. I have asked several other agencies that are buying/selling/trading this particular debt to validate this debt. NO collection agency can provide to me a copy of a loan agreement, contract or promise to pay. For an agency to just keep putting negative/inaccurate debt on people 's credit report is wrong. At this point I feel like I am being harassed. I am asking for this to be removed once again from my credit report immediately.
Consumer complaint received 2016-09-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo account I have never owned. I wrote to them to request all records but they have returned nothing to me. 
12 years ago I had an account with Wells Fargo but that was closed. Nothing owed. 
Could this be another fake Wells Fargo account - at a different level? The debt collection company name is : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect Wells Fargo Bank account number XXXX. XXXX file # XXXX {$1500.00}
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (SC)

I sent in a letter for validation with electronic return receipt and it was delivered on XXXX XXXX, 2016. It is now XXXX XXXX, 2016. I have not received a letter of validation. I called XXXX on XXXX XXXX, 2016 asking for the account to be removed since I did not receive validation and it 's been more than 30 days. Their response was that Diversified Consultants verified the account with XXXX on XXXX XXXX, 2016 but I still did not receive validation as I 've asked. Now I am requesting deletion but XXXX refuses saying that they will send validation in 7-10 business days. It 's been longer than the 30 day mark.
Consumer complaint received 2016-09-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX, as WaMu was being taken over by J.P. Morgan Chase, I was entered into a Trial Modification. Though we did not yet know what this was at the time, I was also " Dual-Tracked '' into Foreclosure. 

I was not given credit for my 18 months of Trial Payments that I made, or two full mortgage Payments paid prior to that Modification. I was forced to litigate against J.P. Morgan Chase, my lawyers and I protecting my Property from many Trustee 's Sales and aggressive actions to force me from my home. 

My loan, acquired by Chase when it took over all of WaMu 's assets, was on a property in a prime XXXX, CA zip code, a home that I had owned since XX/XX/XXXX. My loan was not a Sub-Prime loan. In fact, WaMu had held on to my loan as a positive asset, not bundling it and not selling it as a collateralizing and compromised asset. J.P. Morgan Chase now held that asset with no investors or lenders to answer to. 

After 4 years of litigating the matter, and after the Attorney Generals ' XXXX Dollar settlements with Chase and other lenders over Mortgage and Modification abuses, Chase finally made a corrective Permanent Modification of my loan. That 's the good news. 

The bad news and what I need your help with is that Chase added a {$230000.00} Deferred Principal Debt on the back end of my Principal Interest Bearing Loan. 

I challenged the additional debt that turned a {$620000.00} mortgage into an {$810000.00} debt, but was threatened once again with the imminent and still pending Foreclosure and Trustee 's Sale of my home. 

That was while the mortgage was once again being modified. Chase Collections was separately adding this additional burden, while threatening that were I not to accept it, I would lose my home. 

It was my understanding that this was not allowed, per the Settlements and Government Guidelines. I asked Chase to provide a breakdown of how it arrived at the {$230000.00} figure and it never provided a detailed accounting. 

Chase was essentially still punishing me financially for the very abuses that it and WaMu had prosecuted against me and my home. I honestly care not whether any of these abuses regarding my loan were international, but the results were nonetheless abusive. 

I have no issue with the Unpaid Principal Balance of {$540000.00} on the Loan. I need your help in removing the Deferred Principal Balance of {$230000.00}. 

That outrageous amount is only {$10000.00} shy of what I originally paid to purchase my home in XX/XX/XXXX. Chase once again took advantage of and abused even the good faith process of reparation that the Modification was meant to be.
Consumer complaint received 2015-08-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

HELOC loan with a monthly payment of {$250.00} has maturity and Bank of America is wanting to convert to a 15 year payout with a monthly payment of XXXX, does not include my insurance or taxes. My fixed monthly income is {$1900.00}. I was offered a modification for 40 years payment XXXX which would be manageable. I was denied and now they want me to do a short sale or they will foreclose.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NV)

I am filing this formal complaint against Comenity Bank concerning the closure of my AAA credit card account and the banks refusal to reopen it, despite my compliance with their security procedures. 

Details of the Complaint : Account Closure : Comenity Bank abruptly closed my AAA credit card account without proper explanation. 
Security Verification : I contacted Comenity Bank to resolve the issue and was required to answer security questions, which I answered correctly. However, even after verifying my identity through their required process, the bank has refused to reopen my account or provide any clear reason for their refusal.

Lack of Resolution : I have made multiple attempts to resolve this situation, but Comenity Bank continues to deny reopening the account without offering a legitimate reason or solution. This has caused me significant inconvenience and disrupted my financial management.

I believe that Comenity Banks actions are unjustified, and I request a full investigation into this matter. I would like the bank to either reopen my account or provide a clear and valid explanation for its closure.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax ; XXXX and XXXX are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never notified that this account was in collections. In addition, this account reports a {$0.00} balance and {$0.00} past due. This false reporting of a collection for an account that has a {$0.00} balance and {$0.00} past due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however I have not been successful.
Consumer complaint received 2016-09-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The National Mortgage Settlement ( NMS ), RESPA enforced by Regulations X and Z, the California Homeowners Bill of Rights ( HOBR ) and other agreements govern how Bank of America is to conduct loss mitigation assistance and programs. 
At present, Bank of America has represented to me twice that a Department of Justice ( DOJ ) and XXXX ( XXXX ) Settlement and subsequent settlement offer were the result of a Request for Mortgage Assistance ( RMA ) borrower submitted application package rather than the proposed offer to settle for their misconduct during the loss mitigation process related to this home loan mortgage account. These representations were made on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
As recently as a XXXX XXXX, XXXX Bank of America has made the knowingly false representation to me and when I made requests for clarification all I got in response was a County Recorders Office Notice of Default and Election to Sell with a California Declaration recorded XXXX XXXX, XXXX publicly starting the foreclosure process. 
To date, I have not received any explanation of why Bank of America is representing the DOJ and XXXX Settlement offer as a borrower requested mortgage modification.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

My credit score has drastically been reduced, because of information credit reporting agencies entered on my report based on disputed accounts. If certain acounts are being disputed and nothing finalized as to liability, how can they put such information on my credit? 
Credit reporting agencies have to clean up those disputed accounts from my report and straighten the records.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

This is loan that Bank of America should have dismiss because that what they me over 15 years ago. An it still show up on my credit report. It was during time period when the interest rate super seeded the loan on the card an their was no way I could keep up the principal rate an the loan got larger making me unable to pay. Back in 2006 it was to have drop.