davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

What is this complaint about? Mortgage company What type of problem are you having? Mortgage payment fraud and non payment of escrow credit.
What happened? On XX/XX/XXXX, the XXXX XXXX XXXX, VA, Treasurer 's office sent proof by letter and telephone confirmation of my XXXX XXXX tax exemption for being ( XXXX XXXX XXXX ) rated at XXXX XXXX. In turn, a tax credit in the amount of {$3700.00} is owed me. However, OCWEN continues to hold this escrow credit and refuses to remit payment to me as supported by law. This letter served as official notification to OCWEN to stop collecting property taxes via my mortgage escrow account. As of date, I have spoken with several OCWEN representatives and received conflicting information about this matter. For example, I am being told by OCWEN that an " escrow analysis '' is needed. To date, each of my inquiries to OCWEN I 'm told " another '' escrow analysis is needed so far three have been done with no resolution. Another telephone conversation with OCWEN, I was told my mortgage payment went from $ XXXX+ to $ XXXX+ for the XX/XX/XXXX payment. Instead OCWEN sent me a monthly statement for XX/XX/XXXX in the amount of $ XXXX+ with {$780.00} of " escrow '' which I am " exempt '' from as of XX/XX/XXXX to Present. I am now dealing with an OCWEN employee from the " Research Department '' named XXXX at ( XXXX ) XXXX ext. XXXX. I spoke with her on XX/XX/XXXX as she informed me she would be ordering a new escrow analysis ( 4th one ) and handling my matter going forward. I told her that I will not submit a monthly payment as my mortgage payment is incorrect, I do n't know what is going on with my account, and that OCWEN is committing fraud by intentionally misrepresenting my account and refusing to refund my escrow credit only offering excuses of internal systematic miscalculations. I am very angry and very confused about the entire matter with OCWEN. I seek immediate assistance for this complaint.
What company is this complaintabout? OCWEN Who are the people involved? Research Department ( random employees ) As of XX/XX/XXXX, XXXX at ( XXXX ) XXXX ext. XXXX
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a disturbing email XX/XX/2017 claiming to be from Capital One that my account was going to be closed due to inactivity. I promptly called the number on my credit card to take steps to keep the account open, as this is my first and oldest credit account. The representative claimed that the account was already closed. Today, XX/X/2017, I received a new card from Capital One. After activating the card, I reviewed my account online to confirm it was activated with available credit. However, when trying to use my card it was declined. 

I called Capital One again for an explanation as to why the new card was not working, and received the response that the account was scheduled to close, and the restriction would not be removed under any circumstances. 

The most troubling part of this experience is that Capital One did not provide any advance notice before taking this action. As a consumer, I was completely blindsided and disappointed that Capital One had not bothered to provide any prior notice. Had Capital One reached out to me or tried to work with me I would have easily taken the necessary steps to keep the account active. 

As this is my first and oldest credit account, Capital One is adversely affecting my " length of credit history '' as it relates to my credit score and history.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I spoke to a rep by the name of XXXX. I told him that I was currently going through a financial hardship. I told him what can I do so that my account does not go into collections because I have good credit. He told me that I would need to make a payment of {$60.00} asap. I told them that I already made a payment of {$70.00} on XX/XX/XXXX which took care of what I was past due prevously. I told him that I could go in on the XX/XX/XXXX and pay {$70.00} so that it does n't show up late which I did. He also said he would remove the late charge {$38.00} so that it would lower my total balance of what I owed which total {$130.00}. XXXX told me my account was not late and I just check my credit report today and it says my payment is late which is is not and I am very upset.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IN)

On XX/XX/XXXX, I submitted to the lender a package for loan modification. A few days later they said the package was complete and that the file was in underwriting. On XX/XX/XXXX I get an approval for a repayment plan from this lender and I get very upset because there is no way with my income that I could even come close to paying it. They want almost {$5000.00} up front which I do n't have, then my payments would be {$1400.00} per month. I have attached this approval which also states they did not review for anything else. I have also attached the same package I applied with so you can see how ridiculous this is. My gross income is {$2000.00} and Net is {$1500.00}. Even with my current mortgage payment of {$900.00}, I am at a deficit every month so how would I pay that much? I called the lender and explained this to them and this lady XXXX ID # XXXX told me that I should just get out of my house them and let them take it. Please help me with this, this lender is purposely doing this to take my home and they are not shy about saying it over the phone to me. I do not qualify for a repayment plan however I do qualify for a loan modification which this attached approval letter clearly shows they did n't even review for even though there is no way my income supports a repayment plan. Also, I did not receive the approval letter until mid- XX/XX/XXXX and it gave me until XX/XX/XXXX to appeal. This letter should have been mailed to immediately when they made the decision on XX/XX/XXXX not half a month later to take away my appeal period. I did appeal it on XX/XX/XXXX but today they stated I did not send them the appeal and it 's too late. This lender is playing games with my life and home and I need the CFPB to help because they are breaking all lender laws.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KS)

There are two account loans listed on my credit file that are my sons and outdated which the DLA is inaccurate. I 'm requesting these two loans be removed off of my credit file ASAP they are XXXX # XXXX for {$51000.00} XXXX # XXXX {$49000.00}
Consumer complaint received 2017-11-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I initiated a wire transfer for {$9900.00} from my checking account at Santander bank on XXXX XXXX XXXX. This was an international transfer from my bank account to XXXX XXXX XXXX XXXX located in XXXX. The receiver has not yet received the payment even though it was promised to be delivered on XXXX XXXX. 

Santander Bank uses XXXX XXXX bank as an intermediary to process international transfers. Santander has provided me with proof that the payment was sent to XXXX XXXX. XXXX XXXX has not provided proof that the payment was delivered to the receiver in XXXX. The receiving bank states that they have not received the transfer and that they have no record of the transfer. XXXX XXXX is not assisting with locating the funds. XXXX XXXX does not communicate with me directly because I am not their customer. They have not provided any proof of delivery or a XXXX form showing funds were transfered to the receiver. 

I am a customer of Santander Bank. Santander is communicating with XXXX XXXX on this issue. Santander is XXXX XXXX customer in this matter. 

My branch has tried to assist but they have no insight in this matter.
Consumer complaint received 2017-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please reference the letter I am attaching. I sent this investigation request to XXXX  and XXXX XXXX on XXXX XXXX. Nearly 3 months have gone by, and neither have responded. They were supposed to respond within 30 days.
Consumer complaint received 2017-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suburban Credit Corporation (VA)

On or about XXXX/XXXX/XXXX I received a communication from Suburban Credit Corporation attempting to collect a debt for XXXX XXXX. I wrote to Suburban Credit Corporation on XXXX/XXXX/XXXX disputing the validity of the debt, requesting verification from the original creditor including a statement of charges made and payments received, and demanding they cease collection activities. 

On XXXX/XXXX/XXXX I received another demand from Suburban Credit Corporation. They failed to verify the debt, they did not provide proof of the debt, and the communication was a collection attempt. 

The medical bill to XXXX XXXX has been paid in full, and I have proof of payment in full.
Consumer complaint received 2018-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TN)

I spoke with XXXX on the XX/XX/XXXX and she put me on hold for 15 minutes stating she couldnt find anyone to help me but she gave me the number to XXXX who handles their bankruptcies. I told her that XXXX didnt report to the credit bureaus, XXXX XXXX does. So she suggested I call back later to see if I could get someone to help me. 

I called again on XX/XX/XXXX and spoke to XXXX again. She put me on hold and came back to say that her supervisor says its supposed to report as an open collections account and it will stay that way until its discharged. I asked to speak to her supervisor, XXXX, who said they send the same code to each credit bureau and theyre supposed to be reporting the same way. She stated that it will stay in open collections due to my agreement with the courts.
Consumer complaint received 2017-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (NY)

I originally had a home equity loan with XXXX XXXX, which was taken over by BB & T bank. It was an interest only loan of approx. payment of XXXX per month. For the 15 years I paid XXXX dollars per month, never missed a payment, until it was over, this XX/XX/XXXX. I called my local branch and was told, since I still owed XXXX dollars I could convert this to a 3 year loan which I agreed. I never got the new bills on time and had to go into the bank to speak to the manager many times. I never got a XX/XX/XXXX bill and my XX/XX/XXXX bill came at the end of the month of XX/XX/XXXX. I paid this upon arrival for the 2 months. This bank reported to the credit agencies that I was 3 months late. This is an error, I was notified that both me and my wife 's credit was reduced by XXXX points bt they misreporting. 
I called the bank and was told that the manger " never closed the original loan properly. I called the executive dept of the bank too say I would pay the whole off, if they could provide the credit reporting agencies the proper information so my credit is not effected. To date I have not gotten any letter and want to make a formal complaint. This is a federal bank so the state of Florida does not have any mechanism for a complaint. I want to pay the whole loan off as soon as possible but need a agreement that the Bank BB & T will notify the credit bureaus.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, 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. (AR)

I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. XXXX XXXX XXXX Auto Finance XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX/XXXX/XXXX, XXXX XXXX XXXX via XXXX CR XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX. ) Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ).
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Services Group, Inc. d/b/a ConServe (CT)

Today, XX/XX/2018, i received a call at XXXX from the phone number XXXX. I was scheduled to get a call at noon from XXXX XXXX XXXX regarding a service issue I have been having and the same lady i spoke to yesterday about the issue was to call back. The same lady with the same name called and informed me that she was calling back to discuss the issue as scheduled, and says but before we start, I have a personal business matter to discuss, can I get the last four of you social security number?, assuming my att account needed to be re accessed to start the process i gave the number. She immediately proceeded to disclose that she was with a different company, the company associated with that phone number ( ConServ? ), and stated that this is an attempt to collect a debt from XX/XX/XXXX for the amount of ... i hung up the phone because This unacceptable behavior. An associate at XXXX XXXX XXXX is imposing as a customer service agent and using this as a lure to retrieve personal information of a customer to broker a collection. I can not confidently be a customer if XXXX XXXX XXXX any longer, and this deceiving strategy to collect does not make me comfortable giving any further information to settle said collections.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (FL)

We received an initial collection letter in XXXX. Upon receiving the letter, we replied by certified mail and we requested validation of the debt. During this period, all collection must cease. We have since received another collection letter dated XX/XX/XXXX, attempting to collect the debt at a reduced amount. We have yet to receive the requested validation.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

I have reached out to this creditor several different times to request the validation of a account in which they claim I owe XXXX dollars, I ask them to provide me with copies of any documentation associated with this account bearing my signature and they have yet to provide me with this information. My first letter was sent certified mail on XX/XX/2018 and my second letter also sent certified mail was sent XX/XX/2018. By this company not validating the debt in a reasonable time frame they are in violation of the FCRA & FDCPA therefor I am requesting that the company delete the entry from all credit reporting agencies.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (PA)

A relative recommended that I contact Global Client Solutions to settle two credit card accounts totaling XXXX. I am XXXX years and don't speak or understand English. When I called Global Client Solutions ( on XX/XX/XXXX ), someone set up a payment plan for the two credit card accounts. I thought that they would be paid off within 4 years. They told me to pay {$280.00} each month, and a bank debit process was done. I was mailed an Account Agreement and Application form, which was in English. There were instructions to sign where the arrow was on each document. I made payments from XX/XX/XXXX through XX/XX/XXXX. I paid {$2200.00} during that time. On XX/XX/XXXX Global Client Solutions mailed me an Account Activity Statement. Looking over that statement, I came to realize that my account balance is only {$450.00}, with no money being paid to the two credicat card accounts. The rest of my deposits went to " customer and transaction fees ''. I believe that I was taken advantage of because of my language and age. I would not have agreed to this if I understood that I'd be paying over {$200.00} in monthly fees with nothing being done to settle my debts. My only income is from Social Security, and I live in subsidized housing.
Consumer complaint received 2017-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have being paying a 3rd party company that is associated with XXXX. They have a total of 5 payments from me. I have talked to the main company XXXX ( XXXX ) and they do n't recognize or see 2 of the payments that I have sent ( XXXX XXXX, XXXX in the amount of {$120.00} and XXXX XXXX, XXXX in the amount of {$180.00} ). On my credit score it still shows that I have missed/late payments from XXXX. I have talked with the 3rd party company repeatedly and they continue to hang up on me. I do n't understand how these payments are not positively reflected on my credit score. XXXX is the ONLY company that is damaging my credit score by inaccurate information. I have sent in 2 letters containing both dispute letters and my credit report that they have asked of me and still my credit score is not fixed by the problems they have caused. On my credit score it shows that XXXX through XXXX I have late or missed payments. This is inaccurate. They received 2 payments in XXXX, one XXXX XXXX, one XXXX XXXX, one XXXX XXXX. They have a total of 46 late/missed accounts on my credit report. I only have 5 accounts with them. I have tried to talk to XXXX and the 3rd party company associated with XXXX and I am having a hard time to rectify this problem.
Consumer complaint received 2024-10-28
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. (NC)

I am writing to address several concerns I have encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, billing discrepancies, and accounts that are not mine.
Consumer complaint received 2017-11-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc. (MN)

Hi, so I currently have an auto loan through Consumer Portfolio Services , Inc. And my concern and complaint it that they claim they are this ... " Consumer Portfolio Services , Inc. ( XXXX ) is a specialty finance company that provides indirect automobile financing to vehicle purchasers with past credit problems, low incomes or limited credit histories ''. But all of my billing statements they mail me, boldly state they are a debt collector and are collecting a debt. And also when calling me, me calling them, or them leaving messages ... they again, state they are a debt collector. My auto loan is not a collection, nor a debt that they are hired to collect on, so it really makes upset that I am being treated as such. I really do n't feel like this is legal and it does n't make for good practice of their company. Another thing, any time that I have ever been late on my payment ( which I 've never been more than a month behind ), they will call me over and over and over, and they will also call every single one of my 10 family members I listed as reference when I purchased my car, and was asked by the salesman for these names and numbers, and they are truly harassing me and my family by doing this. I 've asked them on several ocassions to STOP and they have continued to do it. And one last thing ... I 've made over {$7000.00} in payments to them since I got a loan through them in 2015 and only around {$320.00} has been made towards the principal of my auto loan. That is OUTRAGES!! My auto loan is the same amount due as what it was in 2015. I know this company has been sued in the past and they have a lot of complaints on them. I really wish I would 've known more about this company before buying my car.
Consumer complaint received 2017-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

I previously filled a complaint ( XXXX ) and we ending up coming to a resolution, albeit not an ideal one. However, I have been receiving phone calls about getting payment. I 've also received emails about an outstanding balance being due which is absolutely unacceptable considering the solution from the last complaint. 

The last phone call, with a woman named XXXX, claimed that there was nothing on my account stating a deferment and that I had to contact her XXXX XXXX XXXX. XXXX informed me that I would have to speak to XXXX about this and gave me her email. I have yet to receive a reponse in a timely manner with absolutely no update on the situation. 

I find the handling of my loan to be unprofessional and unorganized. How is this private company not held accountable after seeking government assistance in this issue?
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After speaking with the XXXX XXXX and being advised that they did not give Transunion permission to list this item in my credit report under public records, I have submitted multiple requests to Transunion requestion that XXXX # XXXX be removed from my credit and have been unsuccessful in doing so.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I filled out a contact form two times and never received a response from my loan company. I would like to find out when my Yearly Escrow Analysis is. I just had to pay two supplemental tax payments for around 2300 each. I would like to know when I would be receiving my escrow over payment. The company is called Loancare. I 've read hundreds of reviews about Loancare and they are all horrible, they all say the company never responds.