davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (SC)

Good morning. We're coming to you, hoping that you can help us get our home loan modified. 

We have been dealing with Chase for more than a year now and as of recently - we have submitted documentation, for a modification and have been dealing with them asking for the same documents over and over again since XX/XX/XXXX of last year. 

We were assigned a single-point-of-contact AND someone in the escalation department - those individuals intentionally misguided us and, as a recent, we discovered LIED to us, with regards to the status of our request. 

We were initially told by XXXX XXXX that chase was not allowed to include my wife 's income as part of our household income, because this is an USDA loan. This is incorrect. Subsequently, Chase has changed their story and said that we COULD use her income, however, based on her current debt, Chase is only able to use {$250.00} of her {$850.00} of SSI income. 

To make matters even worse - for the last month, we've been told that we had a modification being reviewed ( all notes of contact and conversations attached ) on XX/XX/XXXX, we were informed that there is NO file being reviewed nothing has been reviewed, for the last month. I've also have attached a letter saying that they were reviewing our file and they should have an response by the XX/XX/XXXX. 

They've intentionally misled us and at this point we are considering retaining legal counsel and suing them. Please assist with this exclamation points bulshit
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I defaulted on my XXXX loans in XXXX and rehabilitated them in XXXX. As part of the federal loan rehabilitation program, all Negatives would be removed from my reports. XXXX has unreasonably refused to remove the negatives on my Experian credit report.
Consumer complaint received 2018-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (NY)

Re Direct Recovery, XXXX. They were hostile and I don't think I have any unaccounted for debts. 

XX/XX/18 XXXX I got a phone call on my cell phone from XXXX, which I let go to voice mail. The message said that because I did not respond previously that I needed to call XXXX. There were no details. I called XXXX on my work phone around XXXX XXXX. I asked who is this business. He said Direct Recovery, then he said hostilely to look it up on line. I said what is this regarding. He said they were debt collectors. He was very upset that I did not call from my cell phone. He was hostile on the phone ; he was asking for my information. I said before I give it to him I need to know more. He cut the phone call short. 

I do not know what this is regarding. I don't know what I owe that I'm not already paying.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A number that I was not familiar with called me and when I answered it was a machine asking about a payment and interest rate on that debt. Prompted me to press 1 to speak to someone so I did. This person says that I have a missed payment and I ask him with credit card he is calling from he states Capital one. I do not have a capital one card so I tell him that. He then asks me then what credit card do you have. At this point the whole thing is suspicious and I refuse to tell him any further information and he then becomes rude with me and then clicks.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I have a Bank of America credit card. My issue with BofA is the stance they have taken preventing me from purchasing guns and/or ammunition using my BofA card, and from companies doing business in areas of guns, firearms, and ammunition. I believe this is in violation of my rights through the Constitution. 

If this BOA policy is not rescinded, I will close out my BOA credit card.
Consumer complaint received 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

I received a letter in a mail stating that I needed to contact HESC by the end of XX/XX/XXXX or they would begin garnishing my paycheck. At the end of XXXX after securing over time, I contacted HESC and I was told that I waited until the last minute and that they would move forward with garnishing my paystubs ; if I did not agree to a $ XXXX monthly " voluntary payment schedule ''. I explained that I could not afford that amount but was told if I did not accept that they would move forward with garnishing my check. 

I started making payments as followed : Date Payment Note XX/XX/XXXX {$450.00} Voluntary payment XX/XX/XXXX {$250.00} ( Garnishments started ) I was unaware XX/XX/XXXX {$310.00} ( Garnishment ) XX/XX/XXXX {$450.00} Voluntary payment, still unaware XX/XX/XXXX {$380.00} ( Garnishment ) XX/XX/XXXX {$400.00} ( Garnishment ) on XX/XX/XXXX prior to submitting my third voluntary payment ; I contacted HESC for a detailed payment breakdown. On this date I found out HESC submitted payroll garnishment of which they told me on XX/XX/XXXX. Also adding that there was nothing they could do about it. Please note : garnishments actually started on XX/XX/XXXX after I had already set up repayments with the company. When I told them I could not afford to make three sets of payments they told me to stop making the voluntary payments.

XX/XX/XXXX {$330.00} ( Garnishment ) XX/XX/XXXX {$250.00} ( Garnishment ) XX/XX/XXXX {$260.00} ( Garnishment ) XX/XX/XXXX {$280.00} ( Garnishment ) XX/XX/XXXX {$310.00} ( Garnishment ) XX/XX/XXXX {$390.00} ( Garnishment ) XX/XX/XXXX {$260.00} ( Garnishment ) XX/XX/XXXX {$320.00} ( Garnishment ) XX/XX/XXXX {$380.00} ( Garnishment ) XX/XX/XXXX {$320.00} ( Garnishment ) XX/XX/XXXX {$330.00} ( Garnishment ) I contacted my representative on XX/XX/XXXX leaving a voicemail pleading to have the garnishment released so that could consolidate all of my student loans, including those with the United States Department of XXXX. This was not my first time pleading for assistance. Prior to that date, my last set of requests were in XX/XX/XXXX and XX/XX/XXXX. I did not receive a call back. 

Today, after waiting on hold for 25 minutes, I spoke to my representative siting I would speak to consumer finance and am fully aware that releasing the garnishment is by their discretion. For the first time, since this started in XXXX I was directed to the XXXX XXXX XXXX Consolidation Program website to request consolidation. Additionally, my Representative stated the process would be faster if I submitted my last two paystubs, copy of my XXXX and a detailed financial statement. I am disturbed that help is available ASAP as soon as I mentioned consumer finance. 


Please look into this matter All proof of payments are on my paystubs - I have submitted the breakdown below but have not included my stubs with all of my personal information
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I have two mortgages with Ocwen Servicing LLC. I place  one of the property on the market for sale in XX/XX/2016. It was discover my the buyer attorney that the title was not clear. I work to find out what the problem was. During this time I got behind in my monthly payments. The property been sold was multi-family and paid the mortgage for both properties. I contacted Ocwen ask that they investigate, they claim the title was clear. I send them documents from my research sure what they will do. This company has a bad history.
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

A collection showed up on my credit report for XXXX XXXX XXXX, XXXX. in the amount of {$1000.00}. I sent a letter to the agency stating that the debt is not mine and requested them to remove from my report. I received a letter stating that the debt is mine with a vague statement but I have not opened an account with XXXX XXXX XXXX, XXXX. and the debt is not mine. This is the second account that has appeared on my credit that I did not open. I feel that this may be a result of my pending divorce and accounts are being opened without my permission. I have taken steps to put a fraud alert on my credit but this is showing from XX/XX/2015.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. 

For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986
Consumer complaint received 2018-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

trans union is reporting two negative accounts on my credit file that don't belong to me. these accounts and balances do not belong to me and are not mine. I have notified them of these errors and they have refused to correct them and remove them from my credit file. the accounts are XXXX XXXX and XXXX and XXXX ands they are appearing under the negative accounts on my credit file.
Consumer complaint received 2018-04-30
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: Firstsource Business Process Services, LLC (IN)

Bankruptcy Case # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX   XXXX Original Account Number # XXXX for {$140.00} 2 Years ago after our bankruptcy was discharged we received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX, stating that we owed a bill from XXXXXXXX XXXX   XXXX and that we owed them {$140.00}. We checked our XXXX credit report and sure enough they recently started to report to them. We called them and told them this account was part of a bankruptcy and the bill was taken care of and that we filed a dispute online to remove it from my credit report. They denied that it was part of the bankruptcy and requested proof. We contacted our bankruptcy lawyers, they checked and it was, so they faxed XXXX XXXX XXXX a copy of the bankruptcy report. Our dispute went through, and it was also removed from our credit report. We haven't heard a thing from them since. 
Today, XX/XX/XXXX I checked my credit report more thoroughly than normal and noticed that 6 months ago, XX/XX/XXXX to be exact, they relisted it on my transunion credit report lowering my rating again. They tried to fool us by not putting the orginal date that the XXXX was on which was XX/XX/XXXX, and just listed the opening date as XX/XX/XXXX. No other dates were visable, it was made to look like a newly turned in debt. I called the XXXX XXXX XXXX and told them that my lawyer had already faxed them the information on our bankruptcy, she still denied having it telling me I needed to have them send the information in again. We contacted our lawyer again, and they are resending the bankruptcy information and we filed a dispute again with transunion to try to get this off of our credit score. Our lawyer told us we needed to contact you to get them to stop harassing me, when we paid our debts by paying off our bankruptcy.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

I have been complaining for a year to XXXX, XXXX that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. XXXX wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called Cavalry. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or  was, but I will not pay a debt I did not incur.
Consumer complaint received 2018-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NY)

goldman sachs bank allowed unauthorized transfers out of my account. XX/XX/XXXX {$9000.00} out on XX/XX/XXXX XXXX into account and XX/XX/XXXX {$9300.00} out. There was a pending transfer of {$700000.00} on XX/XX/XXXX I cancelled before transfer was made I reported the theft of funds to goldman sachs on XX/XX/XXXX.and they did nothing to secure my account on that date.The attempted {$70000.00} transfer was made 4 days after my complaint. The security for the account was set up by a sixth grader. If some has your email address all the need to do is go to the online account login which asks for your email address as your username. Type in your email address and it asks if you want to change your password Check reset password and they send a temporary password to your email address Now you log in with the password they gave you and you can now do whatever they want with your money. They have been looking into this for 20 days now I have called numerous times and have gotten 20 apologies but no money Please help me get my money back I am XXXX years old and living on social security
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I have filed 2 complaints against OCWEN in an attempt to get my mortgage invoices reported correctly. On both occasions, they have done a complete review of my account, concluded that my account is current and I have not missed or made any late payments, cfpb have closed the complaint on the word of OCWEN that the issue have been resolved and then continue to send me bills showing that my account is past due and has an outstanding balance. I'm convinced that OCWEN has the nefarious intention on foreclosing on my mortgage if I am not paying attention, so I am insisting that this complaint not be closed until I have received a bill showing no outstanding amounts and that my mortgage is completely current. I spoke with 2 individuals at OCWEN on XX/XX/XXXX one was the escalation manager and they still insist that I owe OCWEN from XXXX. This statement insinuates that my mortgage is over the 120 days behind at which point they can begin foreclosing against me. 

The two previous complaint numbers are XXXX and XXXX. 

I am attaching the letters sent in answer to these complaints clearly stating that my account is current and am insisting that OCWEN correct my account to show that it is current with XXXX outstanding amounts. 

I am also attaching the bills I am receiving showing a balance forward that is incorrect, my bills should have a {$0.00} outstanding balance.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money. 
My first stop to freeze my credit score was with TransUnion. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a TransUnion customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising TransUnion. I then called 311 who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame. 
I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country Israel not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX will not remove XXXX inquiries off my credit report, I've removed my fraud alerts so I can establish credit, but they will not respond to remove XXXX inquiries off my account, please forward complaints to corporate office and XXXX, alone with XXXX XXXX  and the attorney general office of there state, complaints filed to fcra
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (CO)

Citi contacted my husband about a credit card account that he is not on nor is an authorized user. They proceeded to try to get him to make a payment on the account. They told him how far behind and how much is owed on the card
Consumer complaint received 2018-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (MD)

Good Afternoon, My name is XXXX XXXX and I am writing to finish my ongoing battle with XXXX XXXX on some unfair and unreasonable marketing tactics. To start off I have been at this for a while with them and as of late I was obviously distressed and upset and still am for the treatment I had been given from them when dealing with my two vehicles I had purchased from them. Some emails had been exchanged on my part that I do have to apologize for but I have been and still am upset and just was trying o get what I believe is fairly owed to me. I have made all of my payments on time and will becoming up on a year now and have nothing to show for my troubles. My Credit Score hadn't gone up and the way they financed my new vehicle they made out and was able to increase my interest rate because of no fault of my own. They did offer me a settlement which at the time I had planned to reject because I was to give up my rights and youldnt complain any further but wrongs done to me. So I did reject it but before I could I was contacted by XXXX from Customer Relations with the message that offer of settlement was rescinded due to my emails and them basically coming to the conclusion that no matter what they did I wouldn't be happy. Looking back I should have taken the offer but glad I didn't because I still have the right to complain about horrible situations this company has put me into. They offered me to give me my original interest rate I had on my 1st vehicle I had purchased back from me because of the mechanical issues that I was having and going back and forth with them that this vehicle shouldn't have never been sold to someone in the General Public. Not to mention money I had paid into my first vehicle I wouldn't see back because it was time that I waist that vehicle which I was ok with at the time but was understanding that my Onetime payments would reflect my new interest rate. First they said it did before it was deleted and got another answer all together afterwards. I want what is fair tired dealing with this company by myself I was told even though the CFPB has no legal opinion in matters but could help me the customer who has been done wrong by a company who clearly takes advantage of consumers that have horrible credit and expect them not be able to fight back.
Consumer complaint received 2018-10-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (UT)

I paid my account every month on time and had autopay set up. I have always paid and continued to pay even after my car was totaled and everytime I was asked to pay i paid. When it got totaled they told me to wait until the insurance and gap company paid so I know the amount that I needed to pay. Because it took so long because I was driving for XXXX and was online and the insurance company I had denied the claim and I disputed it again and then XXXX 's insurance ended up covering it. But there was a deductible of {$5000.00} which I asked do I need to pay it all? They said no just wait until the gap insurance pays. So I waited and then i get a call from a collector saying it was charged off when the entire time I told them I had the money to pay and they kept telling me to wait. Now I have a charge off on my credit when I have never had a mark on my credit ever. Please assist me in getting this fixed/resolved.