davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Van Ru Credit Corporation (PA)

Up until about 5 years ago my wages were being garnished for student loans, since that time I have remained in good standing on XXXX loans. Evidently at the time there was a XXXX XXXX loan that was not sent to XXXX the people collecting for the other XXXX loans. About two months ago with no warning my wages were garnished by Van Ruh again. Federal law clearly states they have to give me 30 days notice and I received NOTHING. After much grief I finally got the education dept to take off the garnishment. I wanted the loan consolidated with the other XXXX loans so I could just continue. Then without any warning whatsoever they garnished my wages again 2 weeks ago. I had been told by the dept. of education that before they could consolidate the loan Van Ruh would have to remove some block. When I called Van Ru they kept saying it was being taken care of. I believe they should be sued or fined.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MD)

In XXXX of XXXX, my wife and I were shopping for mortgages. We spoke with Quicken and a variety of other companies and decided to go with XXXX Bank, a company that has been great. We never gave Quicken the authorization to pull our credit, either verbally or otherwise. Still, a pull appears on our credit report. I wrote to the XXXX credit bureaus to have it removed. All three refused. I called Quicken earlier in XXXX, and they now say that they can not find the pull. As such, they are unable to remove it. They told me to contact the credit bureaus, as well as XXXX. The numbers they gave me, however, do not work. 

I have attached both mine and my wife 's credit reports from XXXX XXXX as well as the letter I sent to the credit reporting agencies last year. You 'll note that my score is much higher ( not sure why ), and the Quicken pull appears in XXXX. 

Long story short, they have no record of it = why is it there?
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NY)

I have an ongoing issue with Ocwen Loan Servicing, they allowed a mortgage to be obtained in my name by forgery, they have agreed that this happened, they have released me from the loan and debt, yet it is still showing on my credit reports as an open account. This is preventing me from obtaining a mortgage for myself
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I HAD A ACCOUNT WITH USAA MY ACCOUNT WAS COMPROMISED BY A 3 RD PARTY XXXX. I WAS TRYING TO GET A LOAN WITH THEM. I HAD TO GIVE THEM MY INFORMATION TO VERIFY MY ACCOUNT, THEY PUT IN XXXX DOLLARS IN MY ACCOUNT AND USAA PUT THAT MONEY ON HOLD. WHEN I CONTACTED THE FRAUD DEPARTMENT THEY REMOVED ME FROM SEEING ACCOUNT SO THEY CAN FIX IT AND CORRECT NOW THEY GIVE THAT MONEY THAT WAS ON HOLD BACK TO XXXX XXXX AND CHARGE OFF MY ACCOUNT XXXX DOLLARS. THAT MONEY ON HOLD SHOULD HAVE CLEARS UP ACCOUNT TO XXXX BALANCE. PLEASE MAKE THEM DO THERE JOB AND CLEAR THIS ACCOUNT UP.
Consumer complaint received 2017-02-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc (MN)

I used to live a apartment called " XXXX '' in XXXX from XXXX to XXXX and when my least ended in same year XXXX I did n't renew the least and I gave the manager two months notice ahead. And told her I 'm leaving some of belongs in the apartment so you can donate to any charity you like and she agree to it. Also the manager she made me to not ask her the deposit money back. I said why? And she said I 'm going to clean towards the apartment. And I said fine, so then I left.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Thought card was on autopayment, it was not. I attempted to submit payments online through Capital One 's website and thought everything was good. I 've paid on time with Capital One ever since I opened my account. They sure were quick to report me as 30 days late on all credit bureaus. I contacted them and they told me they can not do anything. I contacted all XXXX credit bureaus and they informed me to contact Capital One. I 'm stuck in this endless loop. I understand that they do n't have to make any adjustments. But, I believe their website had issues and I do n't understand why they are so adamant about not helping me.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This company is continuing to request payment for accounts that I do not owe on. {$120.00} from XXXX on XXXX XXXX, XXXX on behalf of XXXX 
Also : {$810.00} from : XXXX XXXX on XXXX XXXX, XXXX on behalf of XXXX. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TransUnion. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TransUnion and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with TransUnion. My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised! 
I am a veteran and a XXXX XXXX and I do not deserve to b treated this way. I will file a I fought for your freedom young man/woman! law suit against this CRA IF These entries are NOT removed! 
ALL references regarding this account must be deleted from ALL reporting agencies.
Consumer complaint received 2016-04-02
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CT)

I was named as a defendant in a mortgage foreclosure that I have absolutely nothing to do with. OCWEN Loan Servicing and the law firm XXXX XXXX have tied my name into a foreclosure with a person ( XXXX XXXX ) I do not know. I have never signed for papers for this mortgage, or for a house in Oregon. I do n't live in Oregon and do not know anything about this, yet name name is being attached to this case.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ark-La-Tex Financial Services, LLC (PA)

My mortgage is with Benchmark Mortgage. I purchased the home, approximately, XX/XX/XXXX. School taxes came out XX/XX/XXXX. I mailed a copy of taxes to the mortgage company. I received a call from XXXX tax collector stating that the taxes were not paid. When I called the mortgage company I was told there were comments in my account XX/XX/XXXX Taxes Paid - no check was ever dispersed. I am now going into the 4th week with trying to get these taxes paid. Benchmark Mortgage has {$2600.00} in my escrow and will not release the funds. I keep being told will be resolved within 24 hours. That never happens. I went back to the broker who represents Benchmark Mortgage and am being told they are working on it with a manager of the processing department. I ca n't seem to get resolution and am risk of being sent to tax claim.
Consumer complaint received 2016-05-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: STERLING JEWELERS, INC. (FL)

Called my work and my wifes work. Saying they were going to send me a subpoena, If I did n't call them with in the hour. I called them and they are telling me they are issuing subpoena to me and my wife. They claim to have sent me paperwork on this three weeks ago, I received nothing. I asked them to send me the document again they claim to not have the document anymore. They offered me a payment plan of {$990.00} on time or a 5 time payment plan of {$330.00} or they would have to send me a subpoena today. I told them to have the local Sheriff deliver it to my home address. The gentlemen got upset and hung up on me. This dept is over 12 years old and this is a third party dept collector.
Consumer complaint received 2015-08-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (IL)

I received a text message from XXXXXXXXXXXX which stated " no subject / USBank-UrgentNotification.Call : XXXX XXXX XXXX XXXX ''. I called the number and it asked for my social security number right away after saying it was US Bank. I did not enter my social security number. Instead, I called US Bank directly and spoke with the card services department to see if there was anything suspicious going on with my debit card. I was asked the last time I used my debit card and how much I spent at a particular store. There was no fraud or holds on my account.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XX/XX/XXXX I sent a certified letter to Transunion regarding incorrect personal information and unauthorized hard inquiries showing on my file. I have written and spoken to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. XXXX and XXXX ( XXXX ) even were not able to find an inquiry with my SNN in their system and told me to resolve directly with Transunion. 
On XX/XX/XXXX I received my annual credit report from Transunion with a general letter explaining what was the inquiry. No results of the investigation were provided. 
I was in contact with Transunion XX/XX/XXXX and XX/XX/XXXX ( if I am not wrong ), in an attempt to dispute hard inquiries currently showing on my credit file. 
I spoke to Customer Service Representative and Supervisors. They stated that I could not dispute inquiries, because they were factual. I needed to contact the company instead of disputing with Transunion. I explained them that some creditors were unable to even find those inquiries in their system and told me to call back to Transunion. The supervisor said that they would not investigate and I had to contact creditors if creditors would not investigate I had to leave it as it was. I asked her to provide everything she said in writing and she refused. I then informed her that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. Nothing happened. 
In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I currently have the following inquiries to be disputed : XXXX Date- XXXX XXXX Date XX/XX/XXXX XXXX Date- XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation. I want all fraudulent and unauthorized information to be deleted from my credit report. 

I also sent them a letter that I have received fro XXXX directly ( not XXXX ) telling that these inquiries were not authorized but should be removed but Transunion did n't remove them.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I sent a letter to TransUnion on XXXX/XXXX/2016 in regards to inquiries on my credit report that I have not authorize, apply for a job, credit, nor was credit granted to me. I asked for them to provide documentation showing proof of my authorization. On XXXX/XXXX/2016 I received a letter from TransUnion that provides information about inquiries and to contact the creditors although, it does not resolve the my concern. I also placed a fraud alert on my credit file the end of XXXX to try to alleviate anything further and I have since had inquiries reported on my file. I contacted TransUnion on XXXX/XXXX/2016,XXXX/XXXX/2016, and XXXX/XXXX/2016 to discuss my dispute and ask that they be removed since I did not authorize. I was told I needed to contact each creditor and ask them to request the removal. I was told I needed to contact the creditor each time and I requested a supervisor call and never got a call. So on XXXX/XXXX/2016 I was told by XXXX they were contacting the creditors for verification I have since contacted each creditor by phone and by letter. I have already contacted each creditor by phone and they directed me to mail a letter. I have not received a repspone from the creditors to date. I called on XXXX/XXXX/2016 and was advised no dispute was being processed that I needed to contact the creditors and I stated that I already did contact them and asked for a supervisor and they hung up on me. I would like the inquiries to be removed from my credit file as I did not authorize them. Any assistance would be greatly appreciated.
Consumer complaint received 2017-03-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: M. G. Credit, Inc. (FL)

I have been a patient of the XXXX XXXX in 2016. I have made several payments that have not been reflected in my billing statements. I was recently turned over for collection by XXXX XXXX to M.G. Credit of XXXX, Florida. I have sent two letters with copies of payments but have not received an answer from M.G. Credit as to the status of why my rece3ipt for payment have not been reflected in my billing statements.
Consumer complaint received 2017-02-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (CO)

I was issued this loan in XXXX as I was starting prerequisite classes for XXXX. The school informed me that I was not able to apply for a federal loan and would need to pay up front or get a private loan. In order to register for the next semesters classes I chose to apply for a loan at on of the nearest banks, Wells Fargo. 
In XXXX I chose to use my XXXX knowledge on a volunteer trip to XXXX for XXXX XXXX months. While attempting to defer payments during my time out of the country I was told that my loan could be deferred for a maximum of 3 months, but that I had to make that request at no earlier than the first of the month that I would like to start the deferment ... ... a time in which I would be outside of the country. I ultimately choose to defer payments for the next 3 months that I would be allowed and had a family member make the remaining payments as I did not have internet access during my trip. 
As I gathered information for my taxes this year I came to the realization that I had only paid {$190.00} of my principal on this loan that I have been paying on since XXXX. After further research, I discovered that I have paid {$4000.00} more then the principal balance in interest to date. 
As a kid taking out the loan, I was aware that a 9.5 % interest rate was excessive ( even in XXXX ), however Wells Fargo took advantage of my naivet and desperation. This bank counted on the fact that a young student would be overwhelmed by the variety of challenges ( living independently, completing XXXX, working full time ) to the point of ignoring the complex financial details of their predatory student loan. Negative amortization is when a lender sets monthly loan payment at a level too small to cover even the interest. This practice has left me with essentially the same debt despite over {$16000.00} in payments.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (ME)

In XXXX XXXX Ocwen paid my taxes and homeowners insurance when I was not behind on the payments, increasing my payments to an unaffordable payment. I struggled to make my payments and got behind. Ocwen had me apply home modifications to help make my payments affordable, three times, but they knew I would not qualify for a modification as I had a previous modification done in XXXX. My loan is only allowed one modification per the lifetime of the loan. I have been going through this for several months now. Now, they are saying my PITI payment is {$2000.00} with a breakdown of {$950.00} P & I and {$1000.00} of escrow, BUT my annual taxes are {$2800.00} which equates to a monthly amount of {$240.00} and they can not tell what the additional {$810.00} of my PITI payment is. They could not answer if I have forced placed insurance, but I have paid my own policy with XXXX and it has never lapsed. Please help.
Consumer complaint received 2017-02-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MD)

I talked to representatives at Transworld Systems. I spoke with " XXXX XXXX '' and her supervisor " XXXX XXXX ''. I explained to them that I was disputing the bill of XXXX from XXXX XXXX Hospital. I explained to them that I needed an itemized bill. I explained to them that they should send this bill back to XXXX XXXX because I was not giving up my HIPAA rights to Transworld. XXXX insisted that they can get an itemized bill. I tried explaining about HIPAA. Transworld need to be educated about HIPAA because they can be fined with an enormous penalty. I work in XXXX and Transworld is violating HIPAA when they say they can get an itemized bill of health procedures.
Consumer complaint received 2016-04-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I have a home equity loan with Santander Bank. The loan was in XXXX my name and my husband who In XXXX is my ex husband. The house is only in my name since the divorce. I was and continue to make all payments. In XXXX, my ex declared bankruptcy and was told by bankruptcy lawyers I would not be impacted in any way. He was granted a discharge effective XXXX/XXXX/XXXX. Santander shut off my auto payment process to make auto pymts from my checking acct which did n't allow me to get an interest rate discount. I was told to try again in a year or so. I 've been told several other times I could not get this service and discount because of my ex husband 's situation. I think it 's an unfair practice that I ca n't get this auto payment service and discount based on my payment history and credit status.
Consumer complaint received 2017-02-25
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (IA)

After leasing a vehicle from Toyota, I traded the leased vehicle for another vehicle again purchased from Toyota. As part of the negotiations, the sales person agreed to handle all costs related to the return of the leased vehicle, and took ownership of the vehicle during the purchase process. I was promised that no further charges would be incurred from the leased vehicle, and had no control of the vehicle after it was traded in for the new vehicle. Almost a year after the purchase, I received a call from a debt collector for additional charges, for approximately {$400.00}, claiming to represent Toyota. After contacting the sales person regarding the agreement we had made, he claims that all charges were completed. He has washed his hands of the matter, suggesting I contact the debt collector. After no contact for nearly a year, suddenly Toyota Financial claims I owe them this debt, and has turned the matter over to a collection agency. I assume they are damaging my credit rating. I have completed my part in the purchase agreement, in fact overpaying for the vehicle I received, but the Toyota dealership and Toyota Financial are colluding to extort additional funds from me with threats to damage my credit rating as they hide behind a third party, who now also seems to claim rights to my property.
Consumer complaint received 2017-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/XXXX I took a payday loan for {$200.00} from the XXXX located at XXXX, XXXX, TX XXXX. Im a single mother and I could not pay back the loan. On XX/XX/XXXX I received a phone call from XXXX, who identify himself as the criminal investigator for financial Fraud from Commonwealth financial Systems. I was told that if I dont pay I was going to be prosecuted for Fraud against XXXX, and that " failure to comply '' will result in them showing up at my placed of employment. i got really scared and I set up month ; y payments of {$110.00}. I have made 3 payments but i canoot pay anymore. They call me several times a day, leave threatening voice mails. I have never been in jail and I am scared for me and my babies. Please help me
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

Amex advertised a special increased bonus points offer for their expensive Platinum card with a required XXXX $ minimum spend within three months. After I received the bonus, I had to refund an airline fare. The reason for the airfare refund was my finding a lower fare for my vacation. The lower fare by the way was also charged on Amex card, just not the Platinum card. The bonus points were awarded right after a month into account being open. However, almost four months after account was open, I received a mail letter that my points were deducted. They pointed to their terms and conditions clause about fraud, essentially accusing me of fraud for refunding my airfare. Although the airfare refund happened two months after account was open, they waited to deduct the points well past the three-month qualifying minimum spend period for the point bonus. After I got no luck with my complaint with the company, I closed my cards with them. I also looked at the XXXX XXXX XXXX and noted that they said NOTHING about not being awarded point on returned purchases. Perhaps that is why they needed to accuse me of fraud.