davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I am a new homeowner and have only had a mortgage since XX/XX/XXXX. My mortgage was sold to Ocwen Loan Servicing LLC . Almost immediately after closing, I received a letter from Ocwen Loan Servicing LLC, stating that I did not have homeowners insurance, even though it was a requirment to get approval for a mortgage. The letter stated that if I did not show proof of insurance, Ocwen Loan Servicing LLC would purchase homeowners insurance at a cost greater then if I had purchased my own homeowners insurance. I contacted my insurance agent and requested that they get in touch with Ocwen Loan Servicing to present proof of insurance. To cover all bases, I also sent via certified mail with return receipt, proof of my insurance. This problem was resolved but after much hassle and stress. Ocwen Loan Servicing LLC just made a large settlement in a class action lawsuit in Florida for receiving kickbacks involving this same exact insurance scheme. 

Next, in XX/XX/XXXX Ocwen incorrectly paid the XX/XX/XXXX real estate tax, even though I closed on my house XX/XX/XXXX, which brought my escrow balance with Ocwen to a negative balance. To rectify this problem, I made an additional escrow payment via check and Ocwen 's payment coupon. When Ocwen received this additional escrow payment they applied it incorrectly as an additional principal payment, leaving my escrow account as a negative balance. Since Ocwen did not apply my additional escrow payment correctly, my monthly payment due has risen and is creating unnecessary financial hardship & stress. 

This is my now my third issue with Ocwen Loan Servicing LLC and I have only been a homeowner for four months.
Consumer complaint received 2015-09-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CT)

I was charged a late fee when my due date is the XXXX of the month, there is a grace period after that but I was charged a late fee well before payment is due. My original due date was the tenth, it is now the XXXX and do not see why I should get a late payment fee. I '' ve attempted to call in to BMW Financial but they are never open when calling, I need to clarify why the late fee was charged and to adjust a payment I made, the date needs to be changed. However, I first need to clarify the due date is now the XXXX so the account does not go thirty days late.
Consumer complaint received 2024-10-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (CA)

*National credit adjust* Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Date opened : XX/XX/year>- XXXX owed : XXXX They are contacting & communicating on my credit report by reporting a negative debt owed that i refuse to pay, because it was not me that opened account. I request a removal, due to US consumer code : 15 USC 1692C. & 15 USC 1602. Thank you.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I am behind on y mortgage and am getting assistance from The state of Arizona and the hardest hit fund set up by the government. All I am asking for is a current statement which they wont supply for thirty days. They plan to foreclose XX/XX/XXXX and it takes the state at least 30 days after receipt of the statement to fund the deficiency to the bank. I can not get them to send me this information and I do not have an alternate place for my wife, XXXX young children and ailing mother in law who lives with us Account number XXXX XXXX XXXX
Consumer complaint received 2016-01-18
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass will not give us our own money. We have over {$66000.00} on a gift card that we can not get them to release. We have called them, gone into their branches and reached out to them online. They keep giving us things to do, but now we are months into the process and we can not get our own money.
Consumer complaint received 2024-11-21
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. (NV)

XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

Experian.com fails to inform applicants of the automatic monthly fee into a forced subscription/ membership. This was my experience upon utilizing Experian.com to obtain my credit report, which I paid for that via online. Please note this was my first inquiry on my own, which I am entitled to obtain for free, however I paid for it and received it. What I did not authorize was to be automatically enrolled into additional services I never requested. Furthermore services for their fee was never provided, I did not receive any assistance for credit issue however they obtained a total of {$79.00} ( XXXX payments of {$9.00} ). This is a hidden and deceptive practice this credit company forces their clients into. Please note I did pay for my credit report but was unaware of the monthly {$9.00} monthly subscription. Experian.com unlike its competitor XXXX does not ask for a credit report, this is something all credit companies should provide for free since a consumer is entitled to XXXX credit reports a year.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: SoLo Funds Inc. (WI)

XXXX XXXXXX/XX/year> I paid back the loan i had out witch was XXXX. I did this my self. the next day solo took another XXXX XXXX out of my account. I contacted them with proof of my loan payment and the XXXX they took. and asked for my money to be returned. as of XXXXXX/XX/year> i still do not have the money back and i am told they are working on it and refuse to let me speak to a supervisor. they just end the chat and say they will email you. this is a really bad customer serveries. 

please see attached
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE
Consumer complaint received 2024-11-21
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. (HI)

I am writing to inform you that I am a victim of identity theft, and fraudulent activity has been reported on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized account : Fraudulent Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Amount : {$400.00}
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Re : Complaint against Bank of America/XXXX XXXX XXXX over their administration of our home mortgageOur mortgage loan is held by Bank of America and is serviced by XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, CO. These financial institutions have repeatedly violated consumer and banking statutes in dealing with us for the following reasons : I. Back in XXXX, XXXX, a non-profit organization, did broker our loan modification with Bank of America ( BoA ) when BoA was also our loan 's servicer. We did strictly honor the modification agreement, but in XXXX XXXX dishonored it for no reason without advanced notice and compelled us to pay {$24000.00} in a lump sum or else we would face foreclosure. In the summer of XXXX, my husband withdrew funds from his IRA to pay the {$24000.00} alleged arrears in order to stop the threatened foreclosure and improve our credit so that we could seek a loan modification or refinance with another lender. We incurred a huge tax bill partly due to the early withdrawal from the retirement account. 
XXXX. Separately, we believe BoA acted in bad faith when it started processing our loan modification request back in XXXX when it was still our loan servicer. But midway through the review process, it transferred our loan to XXXX and XXXX suddenly stopped the modification process without citing any reason at all. 
XXXX. On almost all occasions we mail our loan payments by certified mail to the attention of XXXX XXXX, the CEO of XXXX in XXXX XXXX, CO, however, XXXX fails to timely docket our payments until the grace period lapses and we are charged interest, which again adversely affects my credit score. Once we even sought to fix this situation by sending the payment directly the XXXX XXXX in XXXX, GA and that payment was never posted and the check was never returned to us. We sent a XXXX payment by certified mail which was received, but it was late and we were again subjected to a {$72.00} late charge in XXXX. 
XXXX. On numerous occasions we have requested the history of all our loan payments from the inception of the loan, but BoA/XXXX have never sent it to us and that is a violation of the Truth-In-Lending Act because we are entitled to such statements by right as consumers/borrowers. 
Despite all this, our account is up to date.
Consumer complaint received 2015-04-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

I receive a letter from TD Bank stating I was approved for credit, than I went into TD bank XXXX time filled out more paper work and at that time there was no problem. About XXXX week later I receive a letter from them stating unable to extend credit to you at this time for the following reasons Requested Conditions of approval not metI fill out all the paperwork that was giving to me by the Manger XXXX XXXX she tired to explain the letter to me at the best of her knowledge, Couldn, t give me a direct reason why I was denied, I felt discriminated against by TD bank underwriter, s XXXX XXXX, she never call me and never left no messages on my phone, I got her information from the Manger XXXX XXXX and I have called XXXX XXXX XXXX and only spoken to her XXXX time, then I email the manger and told her what I have done, the other underwriting XXXX XXXX XXXX never made contact with me at all. XXXX XXXX was very Unprofessional i felt she could have call me or email me they have all my information, then she makes the XXXX decision to denied me a loan and not give me a good reason Why. XXXX I get letter saying that I was approve and than I get a letter saying that i, m denied after XXXX week. I fill like they are playing with peoples emotions and this is not right at all My Credits scores are XXXX XXXX XXXX not the best and not bad.i will greatly appreciate if any thing can be done about this matter Thank You XXXX XXXX
Consumer complaint received 2024-11-21
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. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2016-01-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

Re : Your letter dated XXXX, in reply to written complaint on XXXX account XXXX This is continuation of my formal written complaint. I initiated my complaint via a letter to Wells Fargo Bank ( WFB ) dated XXXX, and a personal visit to VP XXXX XXXX on XXXX. ( Note : in future correspondence, please refrain from describing my formal written complaint as an 'inquiry ', a 'concern ', or 'important comments ' ). 
I found your latest letter to be unresponsive to my complaint. Your letter indicates you found no error on your part and would be making no adjustments to my account. My research clearly shows there are, in fact, substantive errors. 
As to the first of your XXXX errors, you are failing to abide by your own Prime Equity Line of Credit Agreement & Disclosure Statement ( " Disclosure '' ). My monthly account statements clearly show that what you calculated to be the interest component of my required, on-cycle {$50.00} minimum payment to be less than {$50.00} ; this occurred on my monthly statements from XXXX to XXXX. However, these same monthly account statements clearly show WFB took my entire {$50.00} payment into interest, in contravention to the payment allocation methodology you describe in your XXXX letter and in non-compliance with your Disclosure. My research shows the error results in Finance Charge overcharges, and an understated Annual Percentage Rate ( " APR '' ) for this account. I suspect your error may adversely affect many thousands of your similarly situated customers. 
As to the second of your XXXX errors, you again are failing to abide by your own Disclosure. In my using your BillPay functionality ( a service which you heavily marketed to me via email advertisements ) to remit off-cycle principal-only payments, your system inappropriately assessed an interest component. You acknowledge this shortcoming of your BillPay system in your XXXX letter, yet refuse to make necessary adjustments to my account ; rather you direct me to use alternate methods to remit my payments ( which flies in the face of how you marketed your BillPay system ; WFB disclosed no such limitations to me when I signed up for the service ). This error occurred on my XXXX and XXXX monthly statements ; my research shows this error results in Finance Charge overcharges, and an understated APR for this account. I suspect your error may adversely affect many thousands of your similarly situated customers.
Consumer complaint received 2015-04-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NY)

A number of unauthorized debit charges were made to my account in violation of Banking disclosure guidelines jeopardizing my comings and goings in my day to day affairs, including my Credit standing.I contacted Customer service and put in a dispute on XXXX charges in the amount of {$39.00} each. I came in to a Bank branch to speak to someone and found a XXXX for that same amount along with an errant overdraft charge for $ XXXX.The Bank manager offered to remove the {$100.00} overdraft charge pending the completion of the dispute on the XXXX charges. I thought that my problem was solved. Upon a visit to another branch on XXXX/XXXX/15 I discovered that my account had been tapped again.I found that there had been another overdraft charge in the amount of {$70.00} despite the depending dispute investigations. I asked the Banking Representative to investigate my claims and she specified that she would notify the Assistant Branch manager and have him get back to me.I have previously made a complaint to the Consumer Financial Bureau concerning this bank.
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (WA)

I was garnished by a collection agency that I did n't even have a chance to answer their claim against me. I received notice from my employer just before the XXXX garnishment on my paycheck when I checked on the debt, it 's with XXXX companies I did n't have an account with. XXXX of the original bills was from 2004. I received the court documents 1 month AFTER it was submitted to the courts AND after my garnishment began. They have my name spelled incorrectly. The judge who signed off on the garnishment is an XXXX Judge, I live in XXXX. The debts they claim I owe are over 10 years old. The Attorney is XXXX, XXXX and XXXX XXXX XXXX in XXXX XXXX. I do not feel I owe these debts. I have never owned a XXXX credit card or a XXXX phone account. The court Case number is XXXX The Collection Agency is Asset Acceptance , LLC.
Consumer complaint received 2016-03-30
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc. (NC)

I am responding to your contact about collecting a debt. You contacted me by phone at XXXX and XXXX as well as mail XXXX XXXX XXXX XXXX XXXX XXXX NC, also address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC on XXXX/XXXX/XXXX And identified the debt as Advance America this matter has been in dispute since XXXX have been back and forth with this company over and over since XXXX and XXXX about this debt I have expressed to this company many times that I had identity fraud and sent them the paperwork that they want me to fax over back in XXXX this company has been harassing my family and leaving message on my job phone this need to stop now the police report number for this XXXX.
Consumer complaint received 2015-05-01
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NV)

My son used MoneyGram to wire some money to me. I provided all reference numbers, I also sent a copy of my driver license. This was done because " MoneyGram '' put a hold on the funds, stating as per a " XXXX government watch list '', they had to check my name against possible names that they do not do business with. I XXXX attempted to retrieve the funds on XXXX XXXX 2015 at XXXX PST., it is currently 8XXXX PST. and all the customer service person has been able tell me is the matter is under review. This in spite of the fact I was able to retrieve money from the same company on this very same day. I informed them this was an emergency and the delay in processing this matter would be and has been injurious to me. I made XXXX different trips to the store to get these funds, because I was informed by MoneyGram customer service the funds were available only to discover there was yet still a hold, in direct contradiction to the conversation with the agent on the telephone. 
They however insisted the matter is under review, without disclosing what matter needed to be reviewed, other than my name. So I can only conclude they, under some authority can with withhold funds simply because of my name, for I have done nothing wrong, and they would not provide an intelligent answer, when I asked why ... other than the matter is being reviewed. This unseemly delay has caused great distress for me, and I fail to understand why this matter would take XXXX hours or more. In addition to the fact that they provided the funds for the other transaction that was presented to them, at this point I am without the money that my son sent or a reasonable explanation. I am an XXXX citizen, born in XXXX XXXX, CA. Please help me regarding this issue.
Consumer complaint received 2015-04-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NY)

I am for some reason getting numorous bogus debt collection calls. Today I got a call from a company called EOS a revording played and said to call XXXX - because no one in this household has any debts - I called immediately and was asked for personal information to pull up my account. I demanded information on the company calling me and what purported debt they were collecting. I was told it was " EOS '' debt collection. When I demanded more information about the caller and company, the young woman on the phone hung up. I have been getting numerous similar calls. No one in this household has any debts, as soon as I chalkenge a caller and adk for information, these callers hang up. Pleas investigate.
Consumer complaint received 2016-01-18
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc. (NC)

I transfer money using google wallet service to my boyfriend. I was giving the chance to the review the transaction before submitting it. The transaction said it would be completed within 24 hours. It has now been for days and the money has already been taking out of my account but my boyfriend has yet to receive it. I call the google wallet service everyday since the transaction and they tell me something different every time
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2016-01-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

I received a copy of my credit report this morning and noticed that your AFNI XXXX reporting information about me, which have zero knowledge about. I have received no form of written notice nor have I received any phone calls. The fact I have not received any communication before inserting the alleged " debt '' onto my credit report is a violation of The Fair Debt Collections Practices act FDCPA, which does entitle me to {$1000.00} per violation plus attorney fees. 

Please see attached affidavit.