davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tn XXXX XXXX XXXX cell XXXX XXXX Fax XXXX XXXX XXXX XXXX I had a real estate loan with GMAC Mortgage Corporation dba XXXX originated in XX/XX/XXXX. It was a home equity loan for a term of ten years with a principal amount of {$50000.00}. I paid off the loan. I entered a contract to sell my home in XX/XX/XXXX and could not close as scheduled onXX/XX/XXXX because the mortgage has not been released.
The XXXX result for the loan shows the loan status is " inactive. '' All requests to identify the proper servicer and seek a release of the mortgage have failed. The responses from 2 servicers identied as potential servicers for this loan are as follows : 1. " Ocwen Ocwen Loan Servicing, LLC ( Ocwen ) has received your recent inquiry regarding a loan ( the Subject Loan ) which may have previously been serviced by GMAC Mortgage, LLC ( GMACM ). As a result of the XX/XX/XXXX Chapter XXXX Residential Capital, LLC bankruptcy ling under case XXXX in the United States Bankruptcy Court for the Southern District of New York, certain assets of GMACM were sold to Ocwen effective XX/XX/XXXX, including servicing rights for certain mortgage loans. We have researched your inquiry and determined that Ocwen did not acquire servicing rights for the Subject Loan as part of the aforementioned sale. Accordingly, we regret to inform you that we are unable to assist with your inquiry. If you believe that Ocwen is the last servicer of record for the Subject Loan, please forward any documentation you may have in support of your request to : Ofce of the Consumer Ombudsman XXXX XXXX XXXX XXXX, FL XXXX Fax ( XXXX ) XXXX Sincerely, Ocwen Loan Servicing, LLC '' 2. " This is not one of our loans. We are not servicing this loan. We only purchased open loans from GMAC in XX/XX/XXXX. Thank you, DC-Lien Releases XXXX XXXX XXXX Document Custody | Servicing XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX  XXXX XXXX | XXXX '' Show Quoted Content The inactive status of the loan, according to XXXX, Ocwen and XXXX, demonstrate the loan was paid off and I am entitled to a release of the mortgage. If it is not released soon, the buyer of my home may cancel the closing and I may suffer a nancial loss. Please help me identify the proper servicer or entity to release the mortgage and help me to secure a release. Please contact me with your response as follows : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX cell XXXX XXXX fax XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
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: ALLY FINANCIAL INC. (CA)

Ally Financial XX/XX/XXXX Inquiry - I wrote this company advising them I never applied for credit and never received a response back XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back.
XXXX XXXX XXXX XXXX  XX/XX/XXXX- inquiry, XXXX advised me they would send a letter to the credit bureau to remove and has not been completed.
XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company on XX/XX/XXXX advising I have never applied for credit and never received any response.
XXXX XXXX XXXX XXXX XX/XX/XXXX- I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
Consumer complaint received 2017-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Protection Association, L.P. (ME)

Credit Protection Association reported a collection on my credit report without ever giving me a right to dispute. 

When they finally mailed me a notice, it contained an account number that is not listed in the original creditor 's system.
Consumer complaint received 2017-07-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my report!
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Transunion verifies the debt sure the have my ss # and address that does not mean they can report an old debt
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Someone requested a credit card on my account when i did n't request it. I had one card and someone else was able to request another one under my account and racked up a bill. They said they could n't do anything for me because they did n't see the fraud happening. So I got stuck with the bill and had to pay it off. Then someone kept trying to get into my account. I was receiving temporary pass codes and I called them and told them it was n't me trying to access it. I had closed all my accounts with them. I was not very happy with their customer service. I was being sent to different people all the time and they said the exactly the same thing.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (SC)

I have disputed these bank accounts that were open up Fraudently the bank accounts are XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX i have sent in numerous documentation with early warning services this company get paid off people debt even if is not yours the are in violation of the fair reporting act
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

PNC continues to practice their scheming and unethical practices by charging their customers erroneous fees, and I truly don't understand why the state and federal agency 's that govern the financial institutions in this country have continued to allow these banks to literally steal money from their unwary customers. As of today 's date, XX/XX/year>, PNC has charged my personal checking account {$970.00} in XXXX Fees since XX/XX/year>. This doesn't include the more than {$1200.00} in XXXX XXXX XXXX they have charged my business checking account within the same time period, however my business account with them is now closed. On XX/XX/year>, I made a deposit using XXXX of PNC 's ATM machines BEFORE the required cut-off time, and XXXX more deposits on XX/XX/XXXX and XXXX, before their cut-off time. However, once again I have been charged another {$100.00} in overdraft fees, albeit I made the necessary deposits on time. I've made several attempts to contact PNC XXXX XXXX, each time speaking with a phone representative, then being put on hold until the calls were eventually dropped as the representatives never returned to the call, If the CFPB can't do anything to prevent the banks in this country from charging their customers these erroneous fees, then the Federal Government needs to do something about these flagrant and abusive practices that America 's financial institutions are continuously allowed to inflict on their customers. What happened to the days when banks had to EARN their money? According to numerous financial articles that I've read, and to several programs that I've watched on cable tv regarding banks in this country, most of them are able to make their weekly branch/employee payroll by charging these bogus fees to their account holders. If I tried to do that with my business I'd be prosecuted and sent to prison for larceny.in no time! 

I am incredulous as to the complete disregard and lack of interest from these government agency 's that were supposedly created to protect consumers. Why are these financial institutions still allowed to blatantly steal from their customers? According to their website, PNC has approximately XXXX branches nationwide, with {$550.00} XXXX in assets, and continues to grow. XXXX the millions and millions of dollars that they are allowed to collect in erroneous fees on a weekly basis from their unsuspecting customers. No wonder they keep posting profits quarter after quarter. Absolutely incredible!!!
Consumer complaint received 2017-02-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, XXXX I made my auto loan payment in branch for Wells Fargo Dealer Services. I made my regular payment of {$250.00}, and an additional principal payment of {$1200.00}. When I received my XXXX statement, they had made 4 monthly payments instead of crediting my principal. I called on XXXX XXXX to the call center at XXXX to have my payment properly posted and was told it would take 3 days to complete. When I checked my balance on line on XXXX XXXX it had still been applied improperly. So I called again on XXXXand spoke with a XXXX who stated that he would get it corrected. On XXXX/XXXX/XXXX I checked my account again and it was mis applied once again and now showing that I owed a balance of {$28.00}. So I went into my local Wells Fargo Branch where they called in and spoke with someone who said it again would be corrected in 3 days. In the mean time, I made my XXXX payment of {$250.00} on line on XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX I made an additional principal payment of {$300.00}. When I received what should have been my XXXX Statement, they are now showing I have a past due balance of {$28.00}, Due on XXXX/XXXX/XXXX ( Statement date is XXXX/XXXX/XXXX ) with a late charge of XXXX due. SO on Friday, XXXX/XXXX/XXXX I called again and spoke with someone by the name of XXXX XXXX, who stated she was a supervisor and would get my account corrected and call me on XXXX/XXXX/XXXX. Not only did I not receive a call back, but I have now started to receive collection calls. When I called in this morning, no one could get me back to XXXX XXXX, in fact a " supervisor '' there gave me a phone number for her of XXXX which has been disconnected. And then proceeded to tell me my account is past due 25 days and if I dont pay them they will report this on my credit. All I have done is make my regular payments on time, and attempt to pay down my principal balance, which they are impeding and making my account past due with their " correction '' errors. Can someone please help me get this resolved before my credit gets impated over their inability to properly post payments? I tried to call another number and all they said was that they would send " XXXX XXXX '' an email to call me.
Consumer complaint received 2016-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AL)

I had a mortgage thru Greentree ( Ditech ) and had to do a short sale in 2012. They dragged their feet on processing a buyer I provided for them. Eventually it went thru. I received an official document dated XXXX/XXXX/2012 showing that my mortgage was discharged with a Satisfaction or Release of mortgage. Now I am getting demand for mortgage payment from Ditech on that same mortgage and they submitted to credit reporting agencies a delinquency, which has adversely affected my credit rating.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

In the past few months I have discovered many concerning matters regarding my loan. The first issue being that Bank XXXX New York is not the actual holder of my loan nor has the loan ever been assigned to their company with any recorded or certified documents. I went to XXXX XXXX of records and was provided a certification of non-filing, meaning the document was never in fact filed. I even have an email directly from the president of Bank XXXX New York informing me the loan is not owned by them. I researched and was able to pull the assignment document and contacted the person who signed the assignment, XXXX XXXX, I asked him if that was his signature and he proceeded to inform me that he could not tell me if it was or if it was not his signature which raised alarms to me. Since discovering this information, I have contacted Ditech my servicer in attempts to help save my home. I provided all documentation they requested only to be told that I " do not meet the criteria '' for a loan modification with no detailed explanation nor alternatives to avoid foreclosure. I was never provided a single point of contact during that process and was constantly given the run around and treated unfairly. I am now facing an upcoming foreclosure and am unsure who my lender really is at this point and am beginning to become concerned about losing my home.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

I have been reporting to my bank for the last 3 months about a charge from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Il. This company has charged me XXXX dollars for items i never received. I have proven to the back this and the have refused to chargeback or return my funds. This company has fraudulently forged my signature and I have provided to the bank my correct signature. At this point after I have been fighting with the bank for over 3 months they are telling me that visa says they are out of time so even though I have provided the documents and proven it was fraud they ca n't help me. Seven though I notified them of this in XX/XX/XXXX and here it is XX/XX/XXXX and they are saying they ca n't help me anymore. Chase is my bank and I have spoken to Number of people even a escalation team. XXXX XXXX is my name
Consumer complaint received 2017-08-01
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: General Motors Financial Company, Inc. (TX)

Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America reported some overdraft accounts on reports to XXXX XXXX XXXX and XXXX. I paid off all my accounts with Bank of America ( even one I did not recognize as being mine ) in a total of {$790.00}. This was paid in full on XXXX XXXX, 2016. I requested from Bank of America to removed the accounts from both of the agencies listed above. During my calls to Bank of America there was difficult in them getting me to the right department and person to talk. I later filed a dispute for removal from XXXX XXXX XXXX on XX/XX/XXXX They removed none of the accounts. ( Thought them removed all but one but the copy I have from XXXX XXXX shows updated they were paid not removed but XXXX shows all but one removed. For this account they listed the contribution reason as " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I have asked Bank of America for the details of this to no avail. The last representative I spoke with stated I had done everything I could do and she did not know why it was not removed. They sent a response to me which was dated XXXX XXXX 2016 upholding their decision but no specific information was provided. I have never nor have I never attempted to commit any form of fraud.
Consumer complaint received 2017-07-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my report!
Consumer complaint received 2017-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NY)

Coinbase will not allow users to access XXXX XXXX tokens that they were entitled to at the time of the fork. Withdrawl transactions are delayed beyond the amount of time it would take an account holder to remove XXXX and redeem XXXX
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I recently requested a investigation on XX/XX/XXXX and XXXX XXXX received on XX/XX/XXXX via certified mail.I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that XXXX continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with XXXX and the results was the information was accurate. I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via XXXX. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the XXXX agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and XXXX has yet to verify. Thank you
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.