davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

This can also serve as another notice of intent to file suit. Ocwen financial ignored a federal bankruptcy judges order and charged/collected interest on payments that were behind. Interest was collected first out of payments before any being applied to principal. We were presented payment records that are incomplete and can not be used for forensic review. Company is trying to collect money discharged in chapter XXXX bankruptcy by foreclosing on our home. Ocwen presented a robo signed document from Florida as a transfer to them. The loan has gone from Option One to American home servicing to homeward bound back to Option One and now Ocwen without being legally transfered. They refuse to provide our original loan documents or give name and address of actual lender. Ocwen has violated the truth in lending act, fair debt collection act, respa and h.o.e.p.a. at the least. Interest went from 11 % to 14.43 % on the morning of closing.As first time home buyers we were unaware this was illegal. Ocwen charged interest and bogus fees that were not allowed under the chapter XXXX federal bankruptcy order. This company has been sued to many times to count for the same actions. I plan to file suit in federal court to force Ocwen to abide by the judges orders and for damages from their illegal acts and hope to find as many others in Pa. as I can to join.Hope to get a class action suit besides federal court for our own mortgage. Ocwen as a history of violating consumer protection and real estate laws at will. This can be evidenced by the many class action and private law suits brought against them. Ocwen makes it 's profit by scamming people with charges and fees that are against all real estate laws and protections for consumers.
Consumer complaint received 2016-09-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (WA)

Due to very poor customer service, we decided to refinance our XXXX Chevy Camaro to close the account with Wells Fargo. I spoke with Wells Fargo to obtain a 10 day payoff and then call XXXX with the payoff amount. XXXX stated there has been issues with payoffs from Wells Fargo and they then called 1/2 hour after I did and was told XXXX more than I was. After XXXX obtained the " correct '' amount for a 10 day payoff, we completed the paperwork, we obtained a loan XXXX more than the 10 day payoff so we could use the additional funds for a purchase we wanted to make and the payment was sent and received by Wells Fargo the very next day. The account was viewed online and it showed my balance owed as XXXXand the payment of XXXX that was received. They then added on XXXX different interest charges over and above the 10 day payoff that was actually paid off in 2 days. Instead of the XXXX I purposely overpaid, I received back XXXX!!! I called them and questioned the additional interest they added and they said they had the right to do so. When I said I was going to file a complaint I was told that was fine and ended the call. I was also 1/2 a car payment ahead due to adding extra to each payment, no interest was due as I had just paid my loan for the month.
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

On XXXX/XXXX/16, I contacted a financial services company to request a personal loan. We processed the application and I was issued a disbursement check for {$3.00}, XXXX ; after which I deposited into my checking account. I recontacted the company within two business dates ( XXXX ), stating my intentions to cancel the loan and return the proceeds, citing a high percentage rate and my general feeling the repayment length was too excessice. I spoke with the Branch manager who assured me I could cancel the loan as long as I returned the entire amount initially advanced. Upon my arrival at the office, I delivered a cashiers ' check in the above mentioned figure and I was given a receipt. Upon closer examination of the receipt. I noted the Manager had posted the check towards the principle of the loan, rather than voiding the entire contract. I was informed since I no longer had the original check, my receipt was sufficient. I further add since I had a active account balance of {$1800.00}, prior to this new loan, the application paid off the existing loan and I was set up to make payments for four years, all totaling to over {$9000.00} plus. Since I returned the cashier 's ' check, the balance owing was now {$6000.00} plus. Once I voiced my dissatisfaction with their accounting tactics, I was reassured this figure would fall off with coming days. On XXXX, I opened mail at my home from this lender, and was horrified to see I was still listed as having a debt of {$6000.00} ; which I had specifically asked to cancel. I believed I was within my rights to negate the loan, since five business had not elapsed once I returned the cashiers ' check. Immediately I contacted the office and was told repeatedly, the manager would contact me via phone, which never materialized. After the XXXX holiday, I contacted the office and was reassured the loan app would be nullified, yet this has n't happened. Each time I try to impose my right for cancellation, I am told the {$6000.00} sum is being maintained for paper control, and I am only liable for the {$1800.00}. plus which remained on a prior balance. I contacted the headquarters of this company and verbalized my frustration and wrath in being forced to take a loan which I had clearly voided. Supposedly, the headquarters will investigate this matter within seven to fourteen days. Additionally, my duplicate set of the loan application was confiscated by the manager, so I do n't have actual documentation to contest their procedures.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am forwarding this correspondence to request an independent investigation regarding the latest investigation I requested regarding my account with XXXX XXXX. There were numerous inaccuracies reported. 

First, the TransUnion reports that I had paid late consecutively from XX/XX/XXXX until XX/XX/XXXX. This is false. As this vehicle is a lease, paying late those many times would 've caused XXXX XXXX to repossess the vehicle. This did not happen. Furthermore, the payments reports for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as being late are also incorrect. The original payment date at the time of the origination of the lease was changed to a later date in the month during the course of the lease. 
Likewise, after this investigation was completed on XXXX/XXXX/XXXX, I watched my score plummet nearly XXXX points after the request of the investigation. It is unclear how this investigation would cause my score to change. Also, inaccurately reported is the status of this account. This account is NOT CLOSED. The lease is open and active, per the XXXX XXXX online site. The lease is not due for completion until XXXX/XXXX/XXXX. 
Subsequently, I have enclosed the payment history for this file as well as the status of the file from XXXX XXXX indicating that the file is STILL OPEN and CURRENT. I request that all inaccuracies be deleted from my credit report and history and that my score be restored the XXXX points that were decreased as a result of this investigation. An investigation into the accuracy of information on your report should not be penalized in the way my report and score has. My current standing with XXXX XXXX on this account is paid/open and in good standing.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The company responded that they will not respond to this complaint because they feel I am not the consumer - Complaint ( XXXX ) The company was unable to respond to the complaint without authorization from the consumer. At this point, no further action will be taken on this complaint. The consumer can submit a complaint on his or her own behalf or authorize someone to submit a complaint on their behalf.. 

I am the consumer submitting this on my own behalf and not the behalf of a credit repair company. I have reached out to TU via phone and written letter with proof and they have still not responded or deleted the incorrect information on my report. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified. 

Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. All in all, they have ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' This law is as clear to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :
Consumer complaint received 2016-03-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: GREAT LAKES (TX)

I had an existing 6-month grace period on my student loan account. When I applied for an unemployment deferment, it overrided my grace period, cutting it short. Now Great Lakes is saying I must pay up soon. 

Furthermore, I am in graduate school. 

I am publishing this information to the Consumer Financial Protection Bureau for others to see.
Consumer complaint received 2016-12-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I got an email saying I need to update my information on a bank website but I do n't have an account with that bank. I feel that someone tried starting an account with this bank with my name. I 've kept the email just in case and the attached pictures are screenshots of the email on my phone.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo opened an UNauthorized credit card account for my son. He had just turned XXXX years old, was a XXXX and had no job, instead took care of his sick father. He was not financially capable of repaying this nor did he have any kind of financial literacy regarding credit. This was in XX/XX/XXXX. I was not aware of any of this until he had a balance charged off. XX/XX/XXXX I sent Wells Fargo a letter stating that issuing my son a credit card was in violation of The Credit Card Accountability, Responsibility, and Disclosure Act of XX/XX/XXXX which states numerous criteria but one of which is that a parent must co-sign which I 'd NEVER do. I 've asked them to remove this from his credit report based off of the this, but they did not comply. XX/XX/XXXX, my son was approved to attend XXXX University which only XXXX applicants get accepted per year. His credit report was pulled, the Wells Fargo charge off appeared and they denied him admittance until this issue is resolved. Wells Fargo has a history of this type of behavior which I feel is predatory. Please assist me in getting this resolved immediately.
Consumer complaint received 2016-09-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC (GA)

Collection agency continues to try to collect on a debt that does not belong to me and was never my bill. The original creditor has attempted to assist me with getting item removed from credit report but collection agency refuses to assist either of us in getting matter resolved. Original debt was established by someone visiting emergency room and using my personal information to get service. No identification was provided or signature from the individual. I have disputed debt with all bureaus and they continue to resell the debt and will not remove it from my credit report.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (MA)

On XXXX XXXX I made a " CASH '' deposit of {$500.00} to my TD Bank account. An hour later I made a transfer of the same amount {$500.00} from my account to another TD Bank account. TD Bank is telling me that even thought the deposit was made before the transfer and it was CASH, the deposit was not available until the next day which made my account OVERDRAWN and they charged me a maintenance fee. It sounds like a robbery to me.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-09-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (IN)

My girl friend and I, XXXX and XXXX years of age, went to a car dealer asking for a cheap reliable vehicle that we could afford. We explained that we only had a joint income of {$800.00} per mo. Just having a baby XXXX XXXX XXXX and no real credit, we were at their mercy. After a protracted period of time, they talked us into a new last year model car that would be a year old the minute it hit the street. We ended up with a 72 month contact at almost {$600.00} per mo. They suggest that if we would make at least one years worth of payments, we could rewrite the deal and drop the payment in half. We are now in default. There is no way we could handle such a payment and are now looking at bankruptcy. We really got taken to the cleaners. It should be noted that we are not able to drive the car in that we can not afford insurance and plates. Help!
Consumer complaint received 2016-09-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (WA)

My property has a foreclosure sale date for XX/XX/XXXX. My servicer is M & T Bank. They rejected me for a loan mod and I have engaged agents to sell my home as a short sale. My agents have continued to provide everything needed for short sale, the only thing left to be done is for the servicer to order an appraisal/valuation to compare it to the value. M & T is refusing to do this, saying that they need more time to upload documents. My agent has ALREADY verified that all documents were recieved, and has previously been told that 48 hours is the upload time, but NOW M & T ( XXXX to be specific ) says it 's a minimum of 5 days. I believe he is stalling in order to send us to foreclosure. We have a GREAT offer on the table and there is NO reason they are refusing to work with us. I do n't know if they think they 'll make money or what?
Consumer complaint received 2016-08-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Offices Howard Lee Schiff, P.C. (CT)

I paid a debt I had disputed on my credit file because I did not want to deal with the hassle. The offices of Howard Lee schiff pc continue to garnish my wages anyway. The past few years have been harrowing. I closed numerous bank accounts because they came after me every time I disputed my credit file. I was never given an opportunity to come to court to argue a defense because they never mailed me a copy of a writ to appear in court. I received only a garnishment letter from my employer and felt I had no other recourse but to pay the debt which I refuted and never got verification on. However I was able to remove partially from a couple of the bureaus because of statute of limitations and other reasons. When I called the office they confirmed the debt was paid off but they are still stealing my money from my wages. How can garnishment proceed when the debt is already paid? I called the state Marshall that executed the garnishment and I found out that the money that was granted in judgement is far less than what they had me pay for this debt. I called several times and spoke with numerous people at the firm that confirm the debt was paid and my employer will get a stop order for this garnishment. The tip of the ice burg is that this debt expired statute of limitations months ago even if I owed them money in the first place and the amount reported to the credit bureau is significantly less than what I was charged. my money is being stolen and I 've been through to much with this firm over the years in ruining my credit.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was promised a phone call back from a CAPITAL ONE Account Manager,  XXXX  on  XXXX / XXXX /  XXXX   and never received a call. This complaint has not been resolved. I reopening the complaint for a final resolution.     I was lied to be pursuaded to use this high interest card.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed XXXX fraudulent inquiries by XXXX ( XXXX Bank ) and Transunion has refused to remove. XXXX has sent me a letter indicating that they were requesting for Transunion to remove the fraudulent inquiries and they have yet to be removed. I am attaching the letter from XXXX to delete the fraudulent XXXX inquiries from my credit report.