davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-11
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I went into the Navy Federal Credit union on Monday, XXXX XXXX, XXXX and discovered {$4800.00} was taken from my bank account. After a spent 4 hours going round and round in a circle, I was informed that collection removed the funds from my account due to a charge off account for a bad check in XXXX. When I asked for document required this i was told that if is Navy Federal Policy and there was no statue of limitation for their actions. To my understanding this account was paid in full. I asked for documents and to this day I have not received anything.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (MA)

Southwest Credit Systems I has illegally re-aged the " Date First Reported/Date First Delinquency '' for an unpaid cable bill from XX/XX/XXXX. They have showed multiple different Dates of First Delinquency. This account was closed in XXXX XXXX and I have not had any communication with XXXX or Southwest since XXXX XXXX. I have attached a copy of my XXXX Credit Report which shows the Date of 1st Delinquency in XXXX. I have also attached a copy of my XXXX report which states " This account is scheduled to continue on record until XXXX XXXX. ''
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2016-03-11
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Cottonwood Financial Ltd. (IL)

In 2012 I took out a payday loan of around {$1000.00} from the " Cash Store '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX year old grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated US Code Title 15 and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out.
Consumer complaint received 2016-03-11
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (VA)

My ex-husband forged my signature, deposited a check from the XXXX with XXXX our names on it ( after changing the mailing address with the XXXX to his own personal apartment where I have never resided ) and he cashed and deposited our joint check at Navy Federal Credit Union without my knowledge or consent. I was not present when this check was forged and deposited, I did not sign this check, nor did my ex-husband have my ID or permission to do this - Navy Federal to the best of my knowledge did nothing to prevent this from occurring. I have called and visited Navy Federal Credit Union and spoken with numerous representatives there and no one can confirm what their policy and protocol is to prevent such things - XXXX representative at the XXXX branch of NFCU said their policy is to have XXXX named individuals on the check present when the check is cashed and/or the person depositing the check has to have the other person 's ID with them if the other person is not present - neither of these things occurred when my ex-husband forged my name, cashed and stole this money from me at Navy Federal Credit Union. I called and spoke with a representative at NFCU 's Fraud Department and another in their Security Divisions, and they said this is not their policy ; there is a real lack of consistency within Navy Federal to even define what their policy is and how they prevent such things ; I do n't think they know as evidenced by how they have handled this situation. There is a significant lack of care, compassion, security and dedication on Navy Federal Credit Union 's behalf to 1. prevent 2. correct such actions from occurring. What my ex-husband did was a crime and Navy Federal Credit Union did nothing to stop him and facilitated him more or less in doing it by not having stricter enforcement ( or perhaps even any policy to begin with ) that prevents such things from occurring.
Consumer complaint received 2016-03-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (FL)

My loan was serviced by Residential Credit Solutions. I tried to work with them, including having the city foreclosure prevention office contact them while I was in the office. The city 's representative spoke to the same person I dealt with, and offered a {$10000.00} good faith payment with the request to help me modify my loan. The woman flat-out refused, and when I called her shortly afterward, she first denied having spoken to anyone, then said she had spoken to someone, but that no offer of money had been made ( I was sitting next to the man when he called her ; I did n't tell her that ). The loan was transferred so many times, the original loan documents were lost. The lender filed an Affidavit of Lost Documents with the court, which is how I found out. I went to my foreclosure hearing and brought up the lost documents to the judge, XXXX XXXX. His response : " They 'll find them. '' He signed the foreclosure order promptly. I continued to try to work with them, even finding a company who tried to negotiate with them with me on the conference call. The Residential Credit Solutions representative was very friendly, very nice, and said he would work with us to have the foreclosure order cancelled. Not long after, I learned that my house was being sold in a week, and it was. 
I tried before, during, and after the foreclosure right up until the house was sold to get anyone to help. I came across this site today just making another query to be certain I had exhausted all my options. My issues are : 1 ) the company did not operate in good faith when they refused the offer of money to partially cure the outstanding payments ; 2 ) the company similarly did not show good faith when an offer to cancel the foreclosure order was made to me and I was lead to believe they were working with me, when all they were doing was stalling until the sale ; 3 ) the original loan documents were never produced, although someone signed an affidavit stating he/she " personally '' was involved in the sale ( which was not possible since the loan had been sold and transferred long after the sale ). 
When I read about the order for penalties against Residential Credit Solutions, I was hopeful there would be some recourse for me. Losing a home is traumatic, but losing XXXX due to someone 's unscrupulous, unethical, and deceitful practice makes it that much worse.
Consumer complaint received 2016-03-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Borrower is deceased and the Estate needs communication with the mortgage company. However, the mortgage company continues to deny receiving the authorization letters. Several attempts to preserve the estates interest have been rejected and now the property is scheduled to foreclose. The estate sale of the real property would pay the mortgage company in full and the equity would be issued to the heirs. The mortgage company is Chase. There is no reason to foreclose on the property especially since foreclosing would deprive the heirs of their equity. It 's a simple probate with XXXX real property asset to sale. The necessary time needed is 3 months or less and the administrator would make mortgage payments until the close of escrow.
Consumer complaint received 2016-03-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (KS)

Made a $ XXXX+ payment on my line of credit ( LOC ) via a direct ACH transfer from one financial institution to Wells Fargo ( WF ) on XXXX XXXX. The funds came out of my account at the sending financial institution on XXXX XXXX. Wells Fargo credited the payment to my account ; however, seven days later the LOC is still holding that $ XXXX+ as unavailable. 

I called Wells Fargo to have the hold removed. Was advised that because of the high dollar amount, a 14 days hold was put on the account. Yet there was a way for the hold to be removed : if I have the sending financial institution send a confirmation of the funds being sent on its letterhead, WF would remove the hold within an hour. 

This solution does not sit well with me as it puts the burden on the customer - me - to facilitate communication between the XXXX financial institutions. Why do we in the USA have a banking system with clearinghouse capabilities if the customer is being asked to handle such functions. I feel that WF should have reached out to the other financial institution if confirmation was required. [ It should be noted that the WF customer service associated confirmed that WF had received the funds. ] Also, why hold the LOC for 14 days if the hold could be removed within an hour with such communication? 

As of today, the LOC still has a hold.
Consumer complaint received 2016-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

TransUnion can not prove this debt is valid with documentation from date of service. These debts have been bought and sold many times now and there is no evidence of origination except for names. Please remove this debt since it can not be validated, as XXXX has already begun to to do. I have no knowledge of this debt. If it can not be proven, I have a legal right to have it removed.
Consumer complaint received 2016-03-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (TX)

I applied for what I believed what an installment loan in XXXX XXXX. In XXXX XXXX, I refinanced the loan, assuming it would stay an installment loan. I recently glanced at the refinance documents to verify my last payment date. At this time, I realized the refinance was set up as a payday loan. Maturity date is scheduled for XXXX/XXXX/XXXX with a blanket payment of {$1300.00}. The current loan documents do not specify credit as payday loan or installment loan. I 've requested the original loan documents & have not yet received them. But I have documents from a previous installment loan, wording the same as this current payday loan. The biweekly amount for the installment loan & payday loan are the same except for the last payment. The installment loan is already highway robbery, and i am aware of this which is why I know I requested an installment & not a payday loan. I spoke to a supervisor who could not assist me with my issue.
Consumer complaint received 2016-03-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ECMC GROUP, INC. (CA)

I filed for chapter XXXX bankruptcy relief on XXXX/XXXX/2015. My case was dismissed due to not paying my installment fee by due date. My case was re-opened. During the time that my case was dismissed creditor I am complaining against sent me another attempt to collect debt from a completely different company ( since they were included in my list of creditors ). I went to bankruptcy clerk to amend my list of creditors to include this company although they were originally listed as ECMC. About two weeks later I received an attempt to garnish my wages from the same company but using an address different than the one I included in my amendment. I should not be receiving any attempts to collect as I am under an automatic stay and have also requested an extension to my stay due to my case being temporarily dismissed and re-opened. I have been disputing the validity of this debt for 10+ years and this debt keeps being resold to different creditor companies.
Consumer complaint received 2016-03-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have a property in contract for sale scheduled to close by XXXX XXXX, 2016 to a qualified buyer. At the same time, there is a Trustee Sale on the property scheduled for XXXX XXXX, 2016. I requested Ocwen ( the lender ) to postpone the TS for XXXX weeks. I told them they will be paid in full ( this is a line of credit on the property ). They said they ca n't do anything about it at this time and ask me to call the attorney 's office who is handling the sale to see if they can do something about it for me. I talked to the attorney 's office and they said it is up to the lender to decide and sent me back to talk to the lender. I was given a Relationship manager name of XXXX XXXX and a phone number to contact her at XXXX XXXX XXXX. Unfortunately, no one by that name ever answers the phone. I have been calling several times and each time, a different person would tell me to do this and that but no one seems helpful. I understand the lender wants to be paid as soon as possible so I do n't understand why they are not interested in helping me out so they can get their money.
Consumer complaint received 2016-03-12
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY (GA)

I have been a Target REDcard Visa cardholder since XX/XX/XXXX. My credit limit on my account was {$2700.00}. I have always maintained my account in good standing. I paid my account down to a XXXX balance in XXXX XXXX and did not use the card to make purchases for more than a year. Target updated their cards with the new chip technology and mailed me a new card to activate. Upon activation I noticed that Target had reduced my credit limit from {$2700.00} to {$200.00}. When I called Target to inquire as to why my credit limit was reduced, I was informed that Target 's company policy allows them to reduce and/or close cardholders accounts after 13 months of inactivity. I was floored. I asked to receive this information in writing and was told that Target can not send me this policy that apparently is tied to my credit agreement with them in writing. Essentially, Target is penalizing cardholders for NOT using their available credit AND they are NOT informing cardholders that this is a requirement or part of their credit agreement. By reducing my credit limit from {$2700.00} to {$200.00} Target has now negatively impacted my creditworthiness and credit score with consumer reporting agencies and said that in order to keep the account open I have to purchase something on the card. This is a deceptive, very predatory and unfair business practice! How can Target be allowed to do this? I was never notified that I was in jeopardy of my credit line being reduced or the account being closed due to inactivity. I 've been a cardholder for almost 10 years and now I am being forced to incur additional debt when I do n't want to or have the account closed by Target which will significantly and negatively impact my credit score.
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 


As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

We had OCWEN Mtg. We have fought them for years as they falsely claimed that we paid them late and even at XXXX point, they put a forced policy on our house for false reasons. I have them set on my banks autopay. They get wires before the due dates and they always have. I have written numerous agencies including the XXXX and hiring two attorneys. Our credit bureaus states today that OCWEN has reported us for not paying on time in XXXX, XXXX and XXXX of 2013. Before this, they had me paying late in a month 90 days late. I complained. The removed it, and then we had XXXX that said I was 120 days late instead. I complained. They removed it. On and on we go until today. We call, we refinanced out from under them, so we are not in their system any longer and therefore, there are no options to get a live person. We go through a LOT to get a person who refuses to get us a supervisor. Then we get XXXX who talks circles around us telling us that we ca n't dispute because we were late in XXXX AFTER we refinanced to a new bank. I think he was XXXX XXXX. We got the refinance BECAUSE we showed the new bank proof that they were on autopay and the proof from our bank. These people are malicious. They change information at XXXX with people who complaind. Nuking their company is not beyond the realm of reasonable for me at this point. They have cost us cash out of our refinance that we needed because my wife had XXXX and XXXX she was stopped picking up children in. We needed that money and it is no longer available to us after the new year because property values dropped. Our opportunity is lost. I want these people out of my life forever. I want them prevented from doing this to other people. Their people do n't seem to have a genuine grasp of the language and repeat things and go round and round until you want to take a bat to the phone! I have never dealt with a company that made me want to be violent towards them like this.
Consumer complaint received 2016-03-12
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: First Data Corporation (NV)

I have an ADP Aline card which is an employer sponsored card to receive direct deposit of checks. On XXXX XXXX, 2016, I went to a restaurant and place an order utilizing my ADP card. Unfortunately, I had to cancel the order due to bad service and inedible food. I told the clerk to cancel the order and he said he could not. The transaction was registered as a credit card purchase. I collected the receipts and did not sign for the order. I contacted ADP Aline on XXXX XXXX, 2016 and requested that the pending transaction be stopped due to an unauthorized transactions. I was informed that a dispute was formulated and that I should find out about the transaction in 7 calendar days. Consequently, on XXXX XXXX, 2016, I checked my account to see no credited balance. I called and spoke with a manager of the organization and was told that they called the merchant and the purchase was authorized. However, it was not. I asked if they had my signature on receipts they responded no. I then asked to start the dispute processed again and was told that I would need to provide an address for mailing legal correspondence. I informed the manager that I have no mailing address at the time and if they could mail it to my nearest post office, she responded, " no. But we can mail it to a friends house. '' Thus, due to me not having a physical address I was denied the right to dispute the transaction. Additionally, I have monies deduction from my account without authorization. What can I do?
Consumer complaint received 2016-03-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I made a electronic payment online with my bank on XXXX XXXX, 2016. My bank notified me on the XXXX XXXX, 2016 and told me the payment will be rejected due to an error on the bank not telling/or putting it in writing that thier customers can not set up payments with all accounts. I contacted Carrington Mortgage to inform them of this and I was told that as long as I get the payment in I will be fine. I went to a XXXX XXXX at XXXX and paid the mortgage payment as soon as I disconnected with Carrington Mortgage. I called Carrington Mortgage back and informed them of that the payment was submitted and they confirmed they received it. I then spoke with the manager XXXX who informed me that I would need to send in the information in pertaining to my bank so it does n't go on my credit report. I sent the information in and called and confirm they received it. I was told by the resolution department and the manager that this would not go my credit report, but Carrington Mortgage sent me a letter today informing me that the late payment will go on my report even though it was my bank'statement fault and provided a letter showing that. My fiance and I are XXXX and Carrington is treating us very horrible.