davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION (NY)

PenFed did not honor the checking account promotional bonus {$250.00} for the new customer. 

In XX/XX/2024, there was a promotional checking account and savings account bonus offered by PenFed website XXXX XXXX XXXX XXXXwww.penfed.org/XXXX ( attached the terms screenshot ). 

On XX/XX/2024, due to the confusing words in the terms, my spouse sent a message to PenFed to confirm if the offer was a public offer and we were eligible for the offer. PenFed created an case ( # XXXX ) and confirmed we were eligible for the offer. 

The message to PenFed to explain the terms : " Hello, I see this offer online : XXXX  : //www.penfed.org/XXXX I intend to open a checking account for a {$250.00} promotional bonus. In the disclosure at the bottom of the page, it says " The up to {$500.00} offer is limited to individuals that receive the offer directly from PenFed. Maximum bonus received is {$500.00} per member. " I did not receive any offer from PenFed. 
My understanding is the " {$100.00} combine offer '' is targeted to the individual who receives the offer from PenFed. However, the checking bonus of {$250.00} is a public offer and I am eligible for it even though I have not received the mail offer from you. 
I would like to confirm from you if I am eligible for the {$250.00} checking bonus offer. '' case ( # XXXX ) response : " Thank you for contacting PenFed. 
Yes, you will qualify for the {$250.00} bonus. As long as you open the account by XX/XX/2024 and have XXXX direct deposits put in the account before XXXX. '' ( attached the message and case response ) After confirming with PenFed about eligibility, I opened the checking account in XX/XX/2024, and met the direct deposits requirements stated in the terms in XXXX and XX/XX/2024. ( attached the monthly statements ) On XX/XX/2024, I used PenFed online chat to check the status of the promotional bonus. The agent told me the offer was targeted and denied my eligibility and rudely closed the chat without me to explain that I checked the eligibility before opening the account in case # XXXX. ( I was not even able to screenshot the chat scripts before she closed the chat. ) I feel PenFed just gave random reason to try their best not to honor the promotion. My spouse also had terrible experience with PenFed about the same checking account offer. PenFed denied my spouse using a different ridiculous reason : saying the offer was checking and savings account bundled and my spouse did not meet the savings account requirement. My spouse raised a separate CFPB complain.
Consumer complaint received 2024-11-21
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. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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)

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX  The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-04-29
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: FirstPoint Collection Resources (CA)

This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX/XX/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012.
Consumer complaint received 2015-11-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (PA)

Loan XXXXSecond complaint regarding SLS, and their inability to properly calculate my monthly payment as agree in a modification to a Heloc XXXX 2015. My monthly payment as agreed for 36 month is {$290.00}. I filed a complaint previously upon receipt of a statement claiming I owed {$580.00} per month with an amout past due of XXXXand some in suspense, for a total of {$1200.00}. Sls reviewed and removed past due amounts, but sent me another statement claiming I owed {$580.00} for the XX/XX/XXXX payment, yet their automated system says I owe {$55.00}.
Consumer complaint received 2024-11-21
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. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MN)

OCWEN MORTGAGE SERVICING IS HOLDING PAYMENT OF THE POLICY LIMITS FOR UNDISPUTED DAMAGES TO OUR PROPERTY DUE TO FIRESINCE XXXX XXXX, 2014. WE HAVE CONTACTED THEM IN WRITING XXXX TIMES SINCE XXXX SUPPLYING UPDATES ON THE REBUILD AND PROOF OF PAYMENT. THERE HAS BEEN NO RESPONSE OR REQUESTS FROM OCWEN REGARDING OUR COMMUNICATION NOR HAVE WE RECEIVED OUR CLAIM CHECK.
Consumer complaint received 2015-11-18
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (IL)

After my point of contact told me that this file was being submitted for an approval. They came back and stated they have to order up a new appraisal/BPO. This was 4 weeks ago. We have been waiting for weeks upon weeks to get a BPO/Appraisal to come to client 's property. Every week they order an BPO/Appraisal and nothing comes of it. No phone calls, no scheduling. Nothing. Ocwen continues to state every that someone is coming will contact me. They have already scheduled a foreclosure date of XXXX XXXX, 2015. We have a buyer and the buyer is now growing impatient with the waiting process. Ocwen told my me that they will not allow an escalation. They will not reveal the investor on the loan. They only state that we will have to continue to wait for BPO/Appraiser to come out. We have been waiting for over 4 weeks ago. They are setting this client up for a strategic foreclosure. They continue to tell me that they do not know why no one has contacted me but wait another 7-10 days and " maybe '' someone will call. Ocwen is really being unprofessional about this. This is a HAFA short sale and for them not to give me any information on who else to contact is ridiculous. I need help with Ocwen. This is stressing my client out. She does not want a foreclosure on her record, but Ocwen is forcing XXXX her.
Consumer complaint received 2016-02-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (CT)

This is from an XXXX Service. They have called many times ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been calling twice a day. I do n't answer, but when my machine picks up, they hang up. The number is XXXX. I am not sure if this is collections and they have the wrong person.
Consumer complaint received 2015-09-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am being threatened and harassed by XXXX and XXXX, and Bank of America, to be sued for a debt that was settled out inXX/XX/XXXX. 
BOFA traded my Home Mortgage Account Manager XXXX times during myrequests in order to run out of time for me to refinance my home to a more affordable payment. I ended up losing the home in account of this unethical treatment in a short sale. 
for {$430000.00} when I owed XXXX. That alone covered the cost of thedebt in question and I have not been returned my profits. 
Also, BOFA illegally deposited my XX/XX/XXXX income tax return checks right before closing out my accounts without my knowledge andconfiscated the account balances. 
This was a loss of over {$20000.00} which is more than the debt inquestion. 
BOFA was found guilty in court XXXX BOFA and they are refusing toreimburse me for the fraudulent charges as well as payfees, penalties, interest, punitive damages. 
I have been swindled out my life savings by this company. I need helpwith this unreasonable treatment brought on by this unethical company. 
Please Advise ...
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I was forclosed upon on XXXX XXXX, XXXX, so this is not a current loan situation. I did n't know about your bureau during the time I was trying to work with my mortgage servicer. Beginning in XXXX I applied several times for a loan modification with my then mortgage servicer, IndyMac. I was turned down XXXX to XXXX times. I lost {$1400.00}. a month income in XXXX and had not been able to get a job plus was unable to work a full time job and at times a job at all due to being XXXX. I had not gone through the state XXXX process since I was still collected spousal support. I was trying to better my life, so that I could work at something and get more income to support the house I bought in XXXX. I know now that I was maneuvered into bad loans and that I was qualified to buy a home that I really did n't have the income to support. The person who brokered my loan did not work in good faith with me and in fact took advantage of the then laws or may have broken some to get me into my home and collect allot of money for doing so. At the end of XXXX, my loan was sold to Ocwen Loan Services and I began applying for modification help with them. I was never approved with a final reason being " they do n't give modifications ''. Finally I hired Real Estate professionals to help me get approval for a short sale, which originally this Company said I qualified for. After several Real Estate pro 's and XXXX well qualified buyers the Ocwenb Company tuned down my application for doing a short sale or a sale in general. I lost the buyers ofcourse. During the XXXX, XXXX and XXXX of XXXX, the value of my home had climbed and I could have gotten at least approximately {$50000.00}. 
from a sale of my home. Instead my home went into foreclourser and left my possession on XXXX. 

It cost me about $ XXXX to buy the home. I put approximately {$55000.00}. in upgrades in as well as paid some money on principle and mostly interest only. I am XXXX and this is a huge gouge into my future ability to live. I may have been duped on buying this home and ultimately I made the decision on the loans, but I was taken advantage of. Then a mortgage crisis comes along and finished me off as it did on so many people who did nothing wrong and lost homes, jobs, investments at older ages. 

This whole situation is a travesty and I believe the mortgagees, owners of our loans should have had to make each and every home loan situation work because they, and their whole industry caused the problem we suffered for. I would like help in re-cupping money lost, at least what I would have gotten in selling the house, myself, in XXXX. I think that is the most fair outcome of this horrible event.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX and Collection Management ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU ARE REPORTING LATE PAYMENTS ON XXXX ACCOUNTS THAT HAVE IN THE PAYMENT HISTORY. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) I HAVE NEVER BEEN LATE ON ANY PAYMENT ON ANY ACCOUNT. PLEASE UPDATE THE ACCOUNTS AND DATES FOR EACH ONE TO " CURENT, PAID ON TIME, OR PAID AS AGREED ''
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

In XXXX of 2008 I called my Mort co. GMAC to inquire about the Modification process from a letter I received from them. They told me I had to be at least 30 days behind before I could start the process. I explained that I have never missed any payments on anything and did n't feel good about being late on a Mort payment. They said it would only take 30 days or so and I should not worry about bad credit. Well that was the beginning of my 18 month nightmare!!! I have a Mort brokerage education so I knew how to put together a loan package for mortgages. After they received the completed loan doc 's they kept requesting the same information time and time again. I faxed them my tax returns alone at least 5 times. After XXXX temporary 90 day payment plans they said they were going to come up with my new modified payment. But that did n't happen. After 18 long months of not knowing what was happening with my Mortgage I finally got a letter stating the modification was denied because they could not figure out my income!!!!!! What!!! They said I had to back pay all my missed mort payments as well as late fee 's, penalties and random inspections ( to see if I still lived here ) or they were taking my Home. I had to sell over {$60000.00} from my XXXX and pay early withdrawal penalties and taxes and hand that money over to GMAC. I paid the mort the next 12 months and then hired a lawyer to help me with the modification once more. After almost 3 years of sleepless nights I finally got the modification completed. GMAC has since sold my loan to OCWEN and I did receive a {$500.00} check from GMAC for any wrong doings with the modification. I 'm now XXXX yrs old had to start my XXXX back again because the market was down almost 50 % when I sold and took a huge loss just to pay them. They knew what they were doing they knew how much money I had and they deceived me at every turn. My Loan # XXXX same # as when GMAC owned it but now OCWEN loan servicing has it there # XXXX. After the modification GMAC divested itself from any of these mortgages. They should be held accountable for the time and money I had to spend just to lower my mortgage to the current interest rate. That 's all I wanted in the first place.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Verification XXXX  Account XXXX XXXX Dear Transunion, I recently disputed an account on my credit report, and I am requesting the Method of Verification for your investigation. The account details are as follows : - Creditor : XXXX XXXX XXXX - Account Number : unknown -Creditor : XXXX XXXX  -Account Number : XXXX Please provide the following information under the Fair Credit Reporting Act : 1. The name, address, and phone number of the party who verified the account.

2. A detailed explanation of how the information was verified.

I expect your response within 15 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I have a subsidized and unsubsidized loan with American Education Services. I have been paying a few dollars extra every month and today I reviewed the account and found out that they have not applied any money towards my principal. When I called them, they said my account is in a " pay ahead '' status and explained that the money is being applied to the principal but it just does n't reflect the account yet. I do n't understand where the extra money is going and they ca n't provide me with an accurate amount I owe stating the " system '' will figure it out if you decide to sell your loan. 
I 'm concerned that AES is not paying down my loan and in the end I will end up paying more.
Consumer complaint received 2024-11-21
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. (FL)

XXXX. XX/XX/XXXX, for {$2800.00} XXXX. XX/XX/XXXX, for {$870.00} XXXX. XX/XX/XXXX, for {$640.00} XXXX, for {$990.00} I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICES SOME INACCURATE REPORTING.
Consumer complaint received 2015-11-19
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (FL)

My wife and I applied for a loan modification with US Bank and submitted a package to the bank as requested. However, it appears we were " dual tracked '' and a foreclosure proceeding began despite our filing for loss mitigation. A foreclosure was initiated on XX/XX/XXXX2015 despite our submission of loss mitigation paperwork and a subsequent letter for additional information with an XXXX/XXXX/2015 due date. 2 days prior to the said due date for additional information ( which was submitted on XXXX/XXXX/2015 ). A foreclosure complaint was filed.
Consumer complaint received 2016-03-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I received a letter dated XXXX XXXX, XXXX that make false claims regarding an alleged mortgage : 1. Notice Pursuant to Fair Debt Collection Practices Act ( If Applicable ) 2. Bayview Financial having full authority to negotiate, amend or modify all terms of the loan 3. The alleged servicer Bayview Financial is the servicer for The Bank XXXX XXXX ( Trustee for XXXX, XXXX XXXX XXXX XXXX XXXX ). 
I have never heard of Bayview XXXX. I have never received any communication from this company related to this matter or an alleged loan serviced by Bayview XXXX. XXXX XXXX, XXXX is the first time I ever received any notice regarding an alleged debt/loan serviced by XXXX Financial. 
Furthermore, my research indicates The Bank XXXX XXXX has provided documented information to me and to the XXXX ) that confirms, they are not the lender, successor, investor to the alleged mortgage as stated in the letter. In fact, the alleged trust was terminated in XXXX. Therefore, the statement in the XXXX XXXX, XXXX letter regarding a document filed in XXXX XXXX, XXXX in XXXX occurred five years after the trust terminated. The statement in the Fair Debt Collection notice is in error and invalid. It is impossible to execute a transaction with a trust that does not exist. 

Additionally, the Power of Attorney related to the property, XXXX XXXX XXXX has been suspended and filed accordingly following judicial procedure with XXXX XXXXXXXX. 
I have no knowledge of any alleged parties of interest or the alleged loan referenced in the letter date XXXX XXXX, XXXX. 
The letter is threatening, deliberately misleading, inaccurate and harassing. It violates consumer protection laws. It is also a possible violation of FDCPA, XXXX laws and more.