davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

here i am again complaining about ocwen this co. needs shut down. i tried emailing this through my email but it wouldnt go through. something has got to be done about this co. i guess they are in XXXX so you cant understand them and you cant ever talk to the same person XXXX. they are XXXX days from foreclosing on my family. i have been begging this place for help. our payments went from XXXX to XXXX to XXXX XXXX, now they are XXXX. when i XXXX called ocwen for help they informed us that we have to be behind to get help we didnt really want to do that but we did XXXX months behind they said so we did  and then asked for help and they assured us over and over again they would help. i filled out the application and all the paperwork numerous times bc they would lose something or didnt recieve something or couldnt read somehting or the very XXXX time they made us an offer they raised our payment XXXX a month. what? we are asking for help and they are raising our payments. thats ludicrous. after XXXX more months of being jerked around, the whole time them promising to help us, we were then almost a XXXX. behind on our mortgage. once you get that far behind there is no catching up. we hired a lawyer he did absolutely nothing but lie to us and take our money. what is this world coming too? then another lawyer and they are like well just file chapter XXXX and your new payment is XXXX a month. you got to be kidding me. we couldnt afford XXXX a month but now XXXX. give me a break. we had our house appraised it come in at XXXX we owe XXXX which is exactly what we barrowed XXXX yrs. ago. i will  not give up until they physically throw us out. why cant anyone stop this co. from their illegal, improper and inhumane practices? they get you behind and then foreclose on you. something is wrong here. if you go to any website on ocwen there is nothing but complaints and people going through the same exact thing. everyone is begging for help and the govt sues them goes in and slaps their hands and its over right back to the same old XXXX i just dont get it. i know they have more money that XXXX but please why cant someone make them stop. everybody is afraid of this place i guess. i swear to you if i was a lawyer i would rip them apart. and i wouldnt stop until they had nothing just like they are doing to everyone else. you can publish this anywhere it doesnt matter bc there is tons of these complaints and everybody is just turning thier heads like nothing is going on. there is actually a website that says "nobailout for ocwen homeowners letter to barak obama" and he dont care either. whats the problem?
Consumer complaint received 2015-05-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Funds were transferred from XXXX account to Capital One 360checking account, The funds have been frozen. Security said banking regulations have been broken so the account will be closed. It was then also stated that XXXX asked them to hold the money until their own investigation is finished. XXXX said there is no such thing even if they had wanted to do so. I am still trying to get the reason for the hold in writing. 
Latest developement : After an hour on hold today, the same implausible story was repeated along with a flat refusal to put anything in writing. Is it really legal for them to hold thousands of dollars indefinitely?
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Like many USAA members, last fall I received an email offering a {$200.00} statement credit if I would open a new USAA MasterCard account before XXXX XXXX, 2015 and make XXXX purchases by XXXX XXXX, XXXX. My credit rating is well over XXXX, and I get lots of credit offers, which I usually ignore. This XXXX got my attention since it was a decent bonus, and was sponsored by, and came from, USAA. While I certainly did n't need another card, I took the bait and applied. I met ALL of the requirements in a timely manner, but after many months my {$200.00} credit never showed up. 

After XXXX unproductive, yet lengthy, phone calls to USAA, I finally received a call today explaining that the card I applied for ( by clicking on the button in the email!! ) was not the 'correct ' card to get the promo credit. Apparently I was issued a " Cash Back '' card, not a " Reward Points '' credit card. 

I have printouts of the offer email, and the fine print, and the screens used to apply for the card. I have supplied these to USAA via email. The card I have in my hand looks just like the XXXX in the offer email. If I did not apply for the 'correct ' card, it is because USAA 's online system took me to the wrong place to apply. 

There is no dispute at all by USAA that I met all of the requirements to 'earn ' the {$200.00} credit ... .simply that I was n't issued the 'correct card. ' This is USAA 's mistake, not mine .... 
The young man on the phone today played the 'there is no one else to escalate your issue to ' game when I told him his 'final resolution ' was ridiculous. That in and of itself is completely unacceptable and well beneath the dignity of the USAA organization.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Hello I paid resumes by XXXX and XXXX XXXX ( Company XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX County ( XXXX ) XXXX ) owner XXXX XXXX. Who claims she does Credit Restoration {$250.00}. But come to find out she do n't do credit restoration. She is just sending off a bunch of dispute letters only. Through a program she has brought online. She does n't take the time to research the facts before disputing. So, she disputed to account that was not right to dispute. In which I will upload into the system with my credit report and complaint to the Texas Attorney General 's Office on XXXX XXXX. I need both of these disputes removed off my credit report please. XXXX of the disputes has a company name, address, zip code, and phone number. The other company has only a P.O. Box address. I would like Experian, XXXX, and XXXX to remove the disputes off my credit report. Because XXXX XXXX did n't and should n't have sent dispute letters to these companies because I had already resolved these XXXX bills and as you can see from my credit report. Then the Credit Reporting Agencies needs to correct the information to Paid as Agreed on my credit report. Both accounts has a XXXX balance on them because I paid them off.
Consumer complaint received 2015-05-28
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Midwest Finance Corporation (TX)

I HAD GOTTEN A PAYDAY LOAN AND I HAD AN AGREEMENT WITH THE PREVIOUS EMPLOYEE. I HAD RUN INTO SOME FINANCIAL PROBLEMS AND IT SET ME BACK SO I WENT IN AND TALKED TO THE PREVIOUS EMPLOYEE SHE TOLD ME TO PAY WHAT I COULD WHEN I COULD. THE COMPANY CHANGED OWNERSHIP AND THE EMPLOYEES THAT WAS ONCE THERE ARE NO LONGER THERE. THE NEW EMPLOYEES, NOT KNOWING MY SITUATION, HAS BEEN CALLING ME EVERY SINGLE DAY SOMETIMES XXXX A DAY CALLING MY JOB CALLING MY REFERENCES TELLING THEM WHAT I OWE WHAT THEY BE LEAVING MESSAGES SAYING AS WELL AS WHAT THEY GOING TO DO IF I DONT GET IN THERE. I KNOW THEY ARENT SUPPOSED TO SAY ANYTHING TO REFEENCES OR WHOMEVER ANSWERS THE PHONE AT MY JOB. NO MATTER WHAT THEY SAY ARE DO ITS NOT GOING TO CHANGE MY SITUATION
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Based on,15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i XXXX XXXX ) this account in violation not reporting 100 % accurate.In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshas violated my rights.Pursuant to 15 USC 1681 section XXXX A states I have the right to privacy.Pursuant to 15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish accounts without my written instructions.I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN XXXX DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2016-01-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I had several charges that I disputed on my debit card. Some were not me and some were double charges and one was service that I did n't agree to and was suppose to be an estimate to have my car fixed. After I did n't agree to the price I was charged {$150.00} diagnostic charge and I found out that the diagnostic was wrong after taking it to another shop. 
So I called Chase customer service Dept. and I was transfered to claims Dept. I told them about the charges and was told to file a complaint. 
So that 's what I did. I was told to cancel my Debit card and they would send another one. I said I would rather go into a bank and get one in person since it was a few days before XXXX. I went into a branch in XXXX CA. and was issued a new card and I also got 3 months of bank statements. The card worked that day but on XXXX XXXX I was getting denied after purchasing a XXXX on XXXX. The next day XXXX eve my card was still being denied. I called customer service again and I was on the line for hours and transferred to different departments to find out my account may be closed. I was told to call the next day and speak to the claims dept. and I spoke to a manager that told me my account was closed for having to many claims! She was very mean and could care less that I had no money on the holiday. 
I was told it would take 10 days before account would close. That would have been on XXXX/XXXX/16. 

My XXXX direct deposit check was returned because of the closing of my account and I did n't have enough notice to change it nor open another account at another bank. 
I still have n't gotten my check because it has n't returned to XXXX yet. 

I had over {$1300.00} in my Checking account at that time. I was told I could n't use a debit card but could write checks and withdraw funds at any time. So I wrote one check that did go thru but when I went in to make a withdrawal there was a freeze on all my funds and was told I now needed to call the fraud dept. I was now told it 's gon na be an additional 10 days before I can get funds out. I was also told that I was a victim of Identity Theft from a use to be friend. They knew about this 4 months ago when there was a charge from XXXX. I 've spent almost 5 hours on the phone left on hold for very long periods with many of the customer Reps being incompetent and/or poorly trained and giving wrong information. I have been a customer with Chase Bank for over 5 years and was treated like a criminal during the holidays. I have been traumatized by the treatment and even 2 managers agreed. One said that my account should n't been closed!
Consumer complaint received 2016-01-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (IN)

I had a credit loan through Wells Fargo Dealer Services. My account has been settled for quite some time know, and I have been trying to have Wells Fargo remove this issue from my credit report, but to no avail. During the time I had an account with Wells Fargo I was late with a payment six times, and XXXX time of becoming a sixty day late charge.I had explained to the individuals from Wells Fargo that I had to make a command deciison in making other more important payments such as paying for my mortgage, pay bills, and to buy groceries for my family. I had explain everything in detail to the individuals at Wells Fargo why my payments were late, ( a XXXX initiative act ) but they have flat out refused to remove the bad credit. I am in the process of cleaning up my credit history and can not afford to have this mark on my record any longer. What can I do to remove this unfortunate piece of bad credit from my credit report?
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX Case Number : XXXX
Consumer complaint received 2016-04-01
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (NJ)

I was trying to send some money to an individual XXXX trough western union. The problem was that I need it immediately because was an emergency at the moment. However, western union asked me for a photo identification, so they will make the money available to the receiver, otherwise western union would not be able to continue with the transaction. I did send the photo id to western union after a couple days and western union said they approved and money was available to the receiver.I did not want the money to be received by the receiver anymore because I send the money already in some other way, so I want it to get my money back as it should be and I did get my money back, but they charge me for the transfer of money which I never send because I received the money myself. I called them 2 times and they told me me that they would not charge me any fees for doing that, but they did and that is my complaint.
Consumer complaint received 2015-12-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Client Services, Inc. (MI)

a debt collector that is not licensed in my state is attempting to collect a debt they do not own I have asked via USPS certified to provide me proof that they in fact are the creditor and provide proof that I own the debt as well as proof they can collect in my state they have failed to provide me with that information.
Consumer complaint received 2016-04-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (NC)

I manage an XXXX called XXXX at XXXX XXXX. On XXXX/XXXX/2013 the bank, Mortgage Investors Corporation filed an order to foreclose on a property located at XXXX XXXX XXXX in XXXX, NC. They assigned a trustee, XXXX XXXX XXXX, XXXX to handle the foreclosure. Since then the bank has not moved forward with the foreclosure. The homeowners are not paying the XXXX dues and this is causing the XXXX to lose money that is to be used to pay for the maintaining of the units in the community, as well as the property not being taken care of by a homeowner that lives there. This puts the XXXX in a bad financial position and other owners are concerned with their unit values as they are living in a community with a home that is vacant that no one has done anything with in over 2 years.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I have contaced Equifax in the past regarding XXXX accounts listed with XXXX XXXX. The XXXX accounts were reporting inaccurate information, so XXXX XXXX opted to delete the tradelines. The XXXX other credit breaus have deleted the XXXX trade lines how ever equinox will not. XXXX XXXX account # XXXX - and account number XXXX. The accounts were reporting incorrectly and XXXX XXXX agreeded to delete the XXXX tradlines. I have enclosed a copy of the letter from XXXX XXXX as proof to delete the trade lines.
Consumer complaint received 2016-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CA)

I originally owed money from XXXX XXXX for a personal loan in the amount of {$2600.00} plus a pay day loan of {$250.00} for myself and another payday loan of the same amount under my wife. About a year and half ago I suffered from severe financial difficulties that I no longer can afford to maintain my payments. I employed XXXX XXXX XXXX XXXX of MA. to handle my repayments. XXXX XXXX accepted the arrangements and as evidence I have copies of cancelled checks to support my claims. Lately, I received E-Mails and letter of collection from Ad Astra for more than {$3000.00} and had refused to accept the cancelled checks as evidences of payments. They stated that the payments made were just for interest only. As a result of the derogatory remarks on my credit history, I ended up being turn down by XXXX XXXX XXXX for housing and in spite of my grant for an automobile grant as a XXXX veteran, I ended up with a higher payment interest rate because of this.
Consumer complaint received 2016-01-27
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have my mother 's financial power of attorney. I 'm also an authorized signatory on her accounts at Bank of America. I handle the payment of all of my mother 's bills. 

Using BofA online, I requested a transfer from my mother 's BofA checking account to her XXXX XXXX XXXX XXXX account so I could make a payment on her HELOC. Unbeknownst to me, instead of doing an electronic transfer, BofA deducted the funds from my mother 's account, then physically wrote and mailed a check to XXXX XXXX. When XXXX XXXX tried to collect on the check, BofA refused to pay it. XXXX XXXX charged my mother {$26.00} for bouncing a check. 

BofA claims it was a misunderstanding, that when I complained about them writing a check instead of doing the electronic transfer, they assumed I wanted the check stopped. Even though I specifically told them I needed the account details written on the check so I could contact XXXX to ensure the check was deposited in the correct account ( at XXXX XXXX, my mother has the HELOC and a savings account ). 

I received a call today from BofA 's " Enterprise Customer Care Resolution Department '' f/k/a " Office of the President and CEO. '' ( At least, that 's the information that was left on my voice mail. ) Clearly, BofA broke the law, otherwise this would not have escalated so quickly. I need to know what my mother 's legal rights and remedies are.
Consumer complaint received 2015-05-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

... A company called " XXXX '', which only shows a P.O.Box as address, has tried to " collect '' a debt on behalf of " Capital One, F.S.B. " ; for such I have no knowledge nor I owe anything to that bank/credit ...
Consumer complaint received 2015-05-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Bureau (Closed) (CA)

XXXX XXXX of Provider Recovery Network, XXXX XXXX, XXXX XXXX, CA XXXX, telephoned my daughter several times and threatened to sue her and ruin her credit if she did not immediately pay a debt in person. She XXXX, and XXXX harassment caused her much distress. He claimed that the debt was an unpaid hospital bill. My daughter is an adult dependent covered by our family health insurance, and we have paid every bill ever received. I spoke to XXXX on XXXX/XXXX/2015 and told him to send the bill to me, and to stop contacting my daughter. To date, I have not received any bill from him ; I believe there is no debt. I would like written confirmation that we owe nothing. Thank you.
Consumer complaint received 2016-02-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

I would like to update you on the continuing abuse of Chase Bank to my father on his mortgage. Now that the bank knows that he is having trouble paying his mortgage, they are raising his monthly payments to try to squeeze him out of his home and into foreclosure before someone sues them for the predatory lending practice. His XXXX payment was {$1100.00} and his XXXX bill was {$1100.00}.
Consumer complaint received 2016-01-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Continental Finance Company, LLC (GA)

Continental Finance/XXXX is still reporting a negative item on my XXXX Credit report from XXXX of 2007. They are violating the stature of limitations to continue to report the negative iteam on my credit report and violating FCRA.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.