davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I financed a vehicle with XXXX XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX Consumer Complaint Against A Business/Company | State of California - Department of Justice - Office of the Attorney General To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX 2., EQUIFAX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX. All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 3. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2016-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

We are homeowner with a mortgage serviced by Ocwen. I am a Veteran and retired from XXXX with nearly 14 years in. My story is two-fold, 1.Making payments-Loan servicing, payments, escrow accounts 2.Problems when you are unable to pay-Loan modification, foreclosure Ocwen purchased our loan from another mortgagor. At that time they constantly said our full monthly payment was short bc of fees the previous company took and so Ocwen kept taking our monthly payment and applying it to fees instead of the principal payment and told us we only made a partial payment when we would MAKE NUMEROUS calls to someone in XXXX. This cycle continued on a monthly bases without any warning that we were being set up for a foreclosure scam with XXXX of other home owners. They also had a monthly fee for coming by the house and telling us we did not live there. The kicker here was that Ocwen would never give you their email address and then tell you that they never received the fax from you with the number Ocwen would provide. 
THE FOLLOWING PRACTICES WERE CONDUCTED BY OCWEN SERVICING OUR LOAN. 
1.Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; 2. Charging unauthorized fees for default-related services ; 3. Proving false or misleading information to borrowers regarding loans that had been transferred from other servicers. 
I also went on the Ocwen website and there was a contradiction that showed payments were made in full and not late, so I printed those out. But after I tried to get a credit check to refinance the house, Ocwen then removed the payment history and changed all the information to delinquent on the website and on the credit history. This so discouraged us that when we saw what they did to my credit score and the mortgage rate we were offered we quit and were XXXX. It effected my wife XXXX and I could n't do anything to fix it. 
Ocwen tried to push us into foreclosure by XXXX XXXX. 
Took advantage of us with servicing shortcuts and unauthorized fees. 
Deceived us about foreclosure alternatives and improperly denied loan modifications. 
Engaged in illegal foreclosure practices. 
This lead to foreclosure talks and us fighting to keep our house by get up to date on our payment.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WESBANCO BANK, INC. (PA)

I opened a business checking account at a Wesbanco branch on XX/XX/2020. When I was opening the account, I was presented with a bonus offer of up to {$250.00}. Of that {$150.00} was to be paid if I maintained an average balance of at least {$2500.00} for the first month. I did that and WAS PAID this {$150.00}. However, for the other {$100.00} of the offer, I had to do this as per the exact terms ( emphasis mine ) : Enroll in mobile banking and EITHER opening and activating a debit card AND completing 5 debit card purchases within 30 days of opening OR open a new business credit card within 30 days of opening I went with the first choice. I enrolled in mobile banking on my mobile ( using the app ) on or before XX/XX/2020. To make sure I actually used the mobile banking service also ( even though this was not required, only enrolling was ), I deposited two checks using mobile deposit to this account on XX/XX/2020 ( this actually conclusively proves that I did sign up for mobile banking ). I also made 5 debit card purchases online on XXXX, all on the same XXXX. So clearly I fulfilled the terms for the {$100.00} part of the bonus inside 30 days of opening the account. The bonus was to be paid within 7 business days after 90 days of account opening, and that timeframe just passed. I was duly paid the {$150.00} part of the bonus but not the {$100.00} part, even though I fulfilled the terms for both. Unfortunately, I couldn't reach out to the bank for a resolution due to the stay-at-home orders and restrictions on in-person banking.
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc. (CO)

When i turned XXXX my father had to put me on the lease from the apartments he rented from which was XX/XX/XXXX At the time i didnt have a job so he was paying everything and he started to get depressed and did n't want to work so i moved with my grandma. Well he ended up getting evicted so there was about XXXX that he owed. I got a job XX/XX/XXXX and have been working at the same job til now so i got a letter saying i needed to attend court for the eviction and pay the amount due and i had no idea what was going on! After asking my dad he ended up going with me and they told him to pay XXXX a month and they wo n't garnish my checks. After two months he stopped paying so i started getting garnished! After a while the garnishments stopped and i figured i paid it off but one day i looked at my credit report and seen that the garnishment was still on there so i gave the collection agency a call and the man said i quit my job which is how the garnishment stopped i told him i been working here for 4 years and i didnt quit so he than asked if i had the money to pay the full amount and i said no but how much do i owe? And he stated the full amount and what i paid which is XXXX so left over was XXXX but he added 8 % interest so i owed XXXX and he said that well unfortunately there 's nothing we can do about the interest and I was like why not you 're the one that stopped garnishing me it 's not like I quit my job or refuse to pay you guys so I said i didnt know that i owed money and he said well we sent it to ur dad and i said well he didnt get it either and he said yu expect me to believe the guy who wont even help yu pay this collection? I was like yea i do cuz i been paying it up until yu guys did n't send the paperwork to my employer and he said it wasnt his job to send the paperwork to my employer and if he sent it to my dads house than that is my job to do! So i finally got a letter XX/XX/XXXX with more interest for XXXX which he added more interest to
Consumer complaint received 2020-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XX/XX/2020 Ive mailed dispute to the credit bureaus certified XX/XX/2020 Ion  day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still reporting.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (AL)

This debt was deleted off of my credit report over a year ago. This debt is old and they keep selling it to credit companies. It shows that it was created in a XXXX of 2020 and thats not correct. This is very very old debt that has been settled and deleted from my credit report and XXXX  is illegally reselling and updating on my credit report incorrectly.
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/2020 I entered a search for a XXXX XXXX XXXX model # on XXXX XXXX and a website listed as XX/XX/XXXXappeared listing the Home theater I was searching for. The site showed a number of different departments and in the electronics department they showed the home theater I was looking for for sale for XXXX. I purchased it through PayPal and the funds were transferred from my debit account to XXXX. which shows on my PayPal account. Eventually I was told it had shipped ( presumably from XXXX ) to XXXX.California with a USPS tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered to the XXXX store where I receive all of my mail on XX/XX/2020. I was expecting a large box with the home theater system. What I received with that tracking number was a small envelope containing a cheap yellow whistle. Needless to say I was very distressed. As soon as I got home I went to the matastore website and was told it was a non-existing website. I immediately contacted Paypal and reported that the company was fraudulent and that they sent a cheap whistle and not the home theater I ordered. Since there was no way to phone PayPal and opened a case to get a refund for not receiving what I ordered. PayPal responed by telling me they would attempt to contact the seller at XXXX. 
On Sunday XX/XX/2020 PayPal sent me an email stating that my case had been denied because the seller responded stating the tracking number proved my order had been delivered. I have tried several times to contact PayPal regarding this to get them to look at what I paid for and ordered and what I received. Their response was that the case ( # XXXX ) was closed. 
I nearly always use PayPal for online purchase because they promise to always provide a refund if I do no receive what I paid for. I am very upset that no one from PayPal has followed through on this and checked this fraudulent website that ripped me off.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (NC)

I financed a vehicle with Flagship XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I have a total of XXXX student loan with Navient. They have talked me into forbearance multiple times over the past 10 years causing interest to continue to accrue in my loan which is now {$200000.00}. My loan amount is now double XXXX being principle and XXXX being interest that just continues to grow month after month. The interest on my XXXX loan accrues at the rate of {$1100.00} per month and they continue to increase the amount owed to my credit reports ruining my credit. I will never be able to afford to pay {$1100.00} a month interest plus try to pay towards the principle. The higher the loan grows because of interest. The higher the interest will accrue monthly.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Recently I was flying Spirit Airlines and they were advertising their Spirit Mastercard from Bank of America. The advertisement goes like this : Upon receiving the Spirit Mastercard, customers will receive XXXX Spirit miles after first purchase, regardless of the purchase amount. According to Spirit agents, XXXX Spirit miles is good for most XXXX flight tickets since their trip can be booked at XXXX miles/ticket. I wholeheartedly trusted their advertisement and submitted my application for a Spirit Mastercard although I have more than XXXX credit cards at that time because I was incentivized by their offer. However, after receiving my Spirit Mastercard from Bank of America, I started to look for flights I can book with my Spirit miles. After a thorough search of Spirit reward travel, I found about 90 % of my search results in reward travel requires XXXX miles per trip plus fees, and the remaining XXXX % results in reward travel requires XXXX miles per trip plus fees, which is XXXX and XXXX more than what Spirit had advertised. I am extremely disappointed by the way Spirit and Bank of America had advertised this credit card, and I felt victimized by their false advertisement. I am formally exercising my right as a consumer and seeking help from Consumer Financial Protection Bureau to thoroughly investigate this issue and have Spirit and Bank of America properly compensate the damages they have done to their consumers, including me.
Consumer complaint received 2020-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I keep paying the same fee in the amount of {$19.00} every month, and sometimes I pay it multiple times due to Navient 's system will show that I owe the fee again even after I just paid it. I have made this same payment sometimes 3 times in the same month, and it will show that I still owe it. I have payed this same amount for years, but in the past it showed only once, so I didn't think anything about it. I just figured that it was a part of my monthly fee. I didn't want anything negative on my credit report, so I just consistently made the payment. I called a representative today XX/XX/XXXX due to I wanted to know what the fee was for, and why did their system keep saying that I owed the amount. I was advised that it was a late fee from XXXX which I found crazy to keep being charged for something that I did not know was owed. This particular amount did not start coming up until XXXX based upon my printout of payments from their site. I was told that the late payment does not go away. I am on an income based plan, and I have been on it since XXXX per the rep. This fee has never been explained to me before, and I never knew it was an issue until I checked to see why this particular amount kept occurring after a payment was made. The rep advised that she had escalated the issue, and that the fee would be removed by XX/XX/XXXX. My issue with the whole situation is that I was making multiple payments on my account thinking that this was a part of a monthly payment when in actuality it was for something else. I was told that my {$19.00} payments was being applied to the interest of my account. I was making multiple payments to my account for something that I did not realize I was paying several times. I hope I have not been charged interest on this same amount that I thought was being paid over all of these years. I was told that late fees were not a real concern for Navient. They use all payments to pay the interest owed to them first, then towards the principal. I have spoken to others from Navient before, and this has never been told to me about this fee that I kept paying over and over again. Navient needs to put on their site on how to make payments for other things owed due to I was unaware that I had to click on the payment site for unpaid fees which I did not know that the {$19.00} was an unpaid fee. I just thought it was a part of my monthly amount that needed to be paid as stated. I also see that I am not the only one who also had this issue. I found an article that someone else had with the exact same issue on XXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My husband and I were unable to maintain the car payments due to my illness therefore we surrender the car back to company. We did n't receive anything stating that we owe anything else on the car or if it was sold. Since then it has been sent to XXXX for collection and is reporting on our credit report.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My concern is about how Transunion reports a BK episodes, in particular the following accounts : XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX ; XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX ; XXXX ending in XXXX " In chapter XXXX bankruptcy '' date last reported XX/XX/XXXX. I have filed a telephone dispute re : this matter today XXXX/XXXX/XXXX at XXXX PST with Trans union ; spoke with representative XXXX for 27 minutes. 
Of note XXXX and XXXX reported my BKs in XX/XX/XXXX and XX/XX/XXXX when I filed. Does Trans union operate on a different set of rules?
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (PA)

XXXX XXXX promotes paperless billing and provides an online and mobile app for customers to access payment information. 
XXXX XXXX online billing and payment history did not ( and still does not ) provide correct information regarding a payment on my account : Payment of {$410.00} made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX statements. 
XXXX online billing and payment history shows XX/XX/XXXX payment of {$410.00} as a processed payment, provides a confirmation number, as well as a green check-mark, just as all other payments that have been made. This payment was actually returned due to NSF from my bank. I did not receive notice from XXXX XXXX. 

This misinformation led me to believe my account was up to date. In reality my account was past due from XX/XX/XXXX through XX/XX/XXXX, and two 30 day delinquent payments have been reported to credit agencies for months of XX/XX/XXXX and XX/XX/XXXX. It also caused continued late fees and interest to build on my account.