davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-15
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (TX)

First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through XXXX XXXX who was my lender in XXXX/XXXX/2012. After the repossession XXXX did n't follow Texas Repossession Law. I asked NCB Management Services Incorporated to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked NCB Management Services Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year? 
When was the vehicle picked up month & year? 
What address was the vehicle picked up at? 
Who was the original lender? 
What address you send any letters to concerning the buy the car back? 
What address you send any letters to concerning the date of the vehicle sale? 
What capacity the car was sold in auction, private, bank sale and Date & Month? 
After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale? 
How much was the car sold for at the sale? 
Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for NCB Management Incorporated to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I ma providing a audio recording of the conversation with NCB Management Services Inc and my Personal Financial coach XXXX XXXX. In which they claim they do n't have to prove anything to the consumer that their collection efforts are valid. That is not true by the FDCPA, Fair Debt Collection Practice Act in which we have the attachments they needed to prove to me that their efforts as a collection company is fair to the Law.
Consumer complaint received 2016-09-18
Product: Credit card — 
Issue: Balance transfer fee — 
Company: U.S. BANCORP (VA)

Elan Financial ( for my Fidelity credit card ) offered a zero % for balance transfers. The offer was not honored because I did not have the convenience checks - I do not keep many paper statements - and this was not honored by the credit card company. the case number for my quick account closure is XXXX. I feel that my credit score will be damaged due to the fraudulent reasons given to open the accounts.
Consumer complaint received 2015-07-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation (AZ)

MY name is XXXX XXXX XXXX. I work for XXXX XXXX since XXXX. At the beginning of my employment, XXXX deposit my paycheck with the ADP Bank before my personal account was set up. After the personal account was established with the XXXX XXXX Bank, XXXX XXXX direct all the new deposit to the new account. ADP bank closed my account on XXXX without notification to XXXX or to me.the account remain in it over {$2500.00}. On XX/XX/XXXX, I received an old letter dated XX/XX/XXXX was forward to me through the post office from ADP bank saying the account is closed. I contact ADP bank more than XXXX times every time I call they ask me for the new address. I had to speak with XXXX supervisor for the same issue. they promise to send me a check, but never happened. they do not want to release my money. on XX/XX/XXXX the XXXX payroll personal ( XXXX ) called the ADP and I was on the XXXX line with them, XXXX ask them to send me a check with the remaining amount. the ADP promised to send me a check within 3-5 business day, but never happened. XXXX ( XXXX payroll personel ) Ph # is XXXX. 
My ADP Acc Debit # XXXX. ADP ph # XXXX. 
AM asking you in my behalf to speak with ADP to release my money. it is urgent. I need to pay my mortgage and other bills. thanks. if you have question please call me.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, XXXX please help me remove these from my report? 

XXXX XXXX
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (OH)

During a very slow and painful loan modification XX/XX/2015 our mortgage company, Ocwen, stopped paying our mortgage insurance from our escrow account. We were assured that once the modification went through, payments would begin again and bring the insurance premium current. Our modification was completed and I assumed payment had resumed as each mortgage statement included the amount for the premium. My husband passed away on XXXX XXXX, 2015. I called the insurance company to make a claim and was told that no payment would be made because the account was severely in lapse ( only brought current through XXXX 2015 ). Ocwen was made aware of the problem and I was told that yes, they had not made payments on certain dates, causing the policy to lapse. Nothing further was done. I called again on XXXX XXXX to make a formal complaint and was told they would look into it. Each week since that time they call to inform me that they have n't forgotten about me, but nothing new has been discovered. I understand that some research must be done, but my husband has been gone for 4 months now and I have continued to pay my mortgage on time ( plus additional towards principle ), as I have done each month in the past. I would very much like for this issue to be resolved quickly ( or as quickly as possible ) and I feel that Ocwen is dragging their feet in the hopes that I will give up and forget this issue. It seems that this is a common practice for Ocwen as we have experienced this behavior in previous dealings, which once included another formal complaint being made on our behalf by our Congressman 's office.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out.
Consumer complaint received 2015-12-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

I am unable to get statements of account from bank, to validate my payments are actually going to my car purchase. Online statements were frequently unavailable " No accounts found '' and paper statements never get mailed. Bank states they 've got everything set correctly, but I still never get anything. Not even sure of exact loan type as the bank has yet to provide me any paperwork other than an account number.
Consumer complaint received 2019-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received notification from PayPal regarding a transaction in the amount of {$120.00} against my account at approximately XXXX on XX/XX/2019. I did not make this purchase. Further investigation showed that someone made this transaction and also set their device as the primary server. I attempted to contact PayPal and was given the runaround, the links provided to register a complaint and yielded no result. I also attempted to contact XXXX to get a refund and was given the same runaround. Finally, since ALL other means of contacting them failed, I called their customer support team and requested a refund. They said that my request would be under review and that, if approved, they would only refund the money to my XXXX accountnot my bank, but my XXXX account, as gaming credit. I didnt make These purchases, I didnt even download the games that were purchased. This was a theft and the fact that they make it so difficult to even contact them about it or have what was stolen returned to its original state is a furtherance of the crime that enables these incidents to continue.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi, My Name is XXXX XXXX. I am having problems with XXXX XXXX of XXXX, Ga filing incorrect information on my credit. I took out a loan with XXXX XXXX years ago and paid half the loan before being forced to file bankruptcy in 2006. XXXX XXXX reported incorrect amounts to my bankruptcy lawyers saying that I still owed the total amount borrowed instead of half. My bankruptcy lawyer cleared the mistake up. Since filing bankruptcy and also being discharged XXXX XXXX has continued to file against my credit as if I had never filed bankruptcy and as if I totally defaulted on all my payments. I personally stopped by XXXX XXXX in XXXX and spoke with the owner. He was horribly rude to me. I told him that he was still filing defaults on my credit despite the fact I filed bankruptcy. He said, " Oh Well! '' I said sir, " I will take this to court if you dont stop! '' He said, " See you there! '' It has now been over ten years and this man is still filing negative reports on my credit. He has totally ruined my credit score and is causing me to have to pay a higher interest on my car loan. I have had to personally hire XXXX XXXX XXXX services to assist me in disputing these false defaults of payment. XXXX is currently working towards this and they had a credit advisor call me today. The advisor said that not only should XXXX XXXX not be making these reports due to bankruptcy but it is unlawful for them to even be reporting on this any longer due to the length of time it has been. XXXX directed me to your sight and advised that I file a complaint on this matter and if the problem persists that I seek legal help. Thanks for your time and looking into this matter for me. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Trans Union Re-inserted Hard inquires onto my consumer report all within 1 weeks time after removing all of them in the first place. This was all done without proper notification and without basis. As such has adversely affect my credit score by making it go down and impairing my ability to refinance my car at the best terms.
Consumer complaint received 2015-04-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Monthly fees of {$15.00} were taken out of my checking account starting in XX/XX/XXXX through XX/XX/XXXX without my knowledge. Bank 's explanation was these fees accrued because a minimum balance was not maintained. 
I informed Citizen that I 've had a checking account for over XXXX years and I was never told there was a minimum balance requirement. I was told the reason was, I had an additional mortgage account and because of that, the minimum balance was n't a requirement. After my mortgage was paid off, I had to keep a minimum balance in my account. 
My concern is that I was never notified of this, nor told that once my mortgage was paid off I was required to maintain a minimum balance. I was also told I signed up for electronic monthly statement and this is not correct either. 
I am respectfully requesting that all my funds which were taken out for fees, be replaced in my checking account. Fee amounts total approximately {$180.00}.
Consumer complaint received 2016-02-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Hi I called OCWEN Mortgage on XXXX/XXXX/XXXX to make a payment over the phone and was told that I was unable to do so, even with a POA on file. In good faith, I mailed XXXX ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) payments to OCWEN in an effort to make payments on the loan with my mailing address and instructions to send any correspondence to me regarding the payments. Per Ocwen, the checks were mailed back to me because they were not the correct amount to bring the loan current. I have sent correspondence to OCWEN via their Customer Service Link on the OCWEN web site : XXXX XXXX, XXXX and XXXX asking for an amount that was due on the mortgage in which I received a letter with an amount to reinstate the loan mid XXXX. 

Please note that on XXXX XXXX when I called and spoke with XXXX, I was not able to access any information on the loan even with a POA on file. 

Today, XXXX/XXXX/XXXX I spoke with XXXX XXXX who was very helpful and informed me that my POA had expired and needed to be resubmitted. This was accomplished via mail and the account has been updated to provide account access when I call. 

I was not informed that the POA had expired and needed to be renewed on XXXX/XXXX/XXXX when I called and spoke with XXXX, nor in any of the letters sent to me from OCWEN on XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. 

This is a problem which could have been easily cleared up on XXXX/XXXX/XXXX. However, I was never informed and have been trying to get an amount due on the loan since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX foreclosure proceedings were initiated on the loan. 

I was unemployed from XXXX XXXX until XXXX XXXX, XXXX and called to make a payment on the loan XXXX XXXX, XXXX and was not able to do so. 

The additional expense XXXX from trying to obtain the amount due could have been provided to me if anyone from OCWEN would have told me the simple fact that I needed to resubmit my Power Of Attorney. 

Thank you for your time and attention to this matter, XXXX XXXX
Consumer complaint received 2024-10-18
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2016-12-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I 've been in conflict with Ditech/Greentree since they first took over my mortgage servicing. Their staff can never explain what the issue is with my account. Only that they 've put a " research '' on it. Nothing has ever come from their " research ''. In Ditech 's XX/XX/XXXX letter which references attachments that were not attached, they state that my payments fell behind due to an escrow shortage. However, my XX/XX/XXXX escrow statement ( attached ) had {$3800.00} in surplus that was sent back to me. In addition, my XX/XX/XXXX escrow also had a surplus ( even though they continue to state my payments were short ). Ditech states they sent me a check, with no amount listed, which was NEVER SENT TO ME! DiTech continues to make false statements. Where 's my check? Now, I receive my XX/XX/XXXX statement with more late fees and non-posting of my XX/XX/XXXX payment which they received on XX/XX/XXXX. This bank is a fraud!
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX is fraudulently reporting Charge Off collection remarks against me. This is duplicated on my experian report XXXX.Chase Bank according to the FCRA needs to be deleted entirely from my credit portfolio due to being past stature of limitations, The last payment/transaction on this credit card dates back to XX/XX/2009 and is well over 7 years ago
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MI)

I was just made aware that Greentree is seeking settlement of deficiency that occurs following the foreclosure sale of my home vs. the amount owed. I have not received detailed information on the deficiency and was being asked to settle the deficiency. I asked for a reduced settlement amount and also asked that they provide more detail before moving forward. I 've researched that in the State of MI, a borrower 's deficiency is capped at the FMV of the home. I was not made aware of this during their call. They said they will be sending me information in the mail. I also am not happy with the denials I received from them during the short sale process. They ended up selling the home for an amount less than what they were willing to negotiate with me ( via short sale ). I 've attached an email from my realtor that shows her surprise at the pending sale price.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (WI)

A guy I was dating XXXX XXXX stoled my identity somehow and got this card in my name before we were married on XX/XX/XXXX. When I found out that this and other cards were in my name without my knowledge I filed for divorce immediately. XXXX other accounts were declared fraudulent. This one was not even though XXXX admitted to US Bank that he was responsible for it and was made responsible for it in our marital settlement agreement. I did not know that I was on this account. I did not sign up for this account. I have asked for proof that I signed up for this accounts in XX/XX/XXXX and XX/XX/XXXX and have not received it. It has hurt my credit my credit rating and I want it removed.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (LA)

I financed a mobile home in XX/XX/XXXX with Green Tree. The amount financed was {$30000.00} and as of XX/XX/XXXX I have already paid Green Tree {$68000.00}. The principal balance is {$21000.00}. I have a copy of my Green Tree payment history and on several of my payments {$0.00} went toward principal. This does n't seem right to me. According to Green Tree I still owe another 15 years at which point I will have paid them over {$140000.00}! I was inexperienced in Mortgages when I took the loan and did not realize that I would be paying so much interest. I talked to them about refinancing and Green Tree said they do n't do that. I ca n't sale my mobile home because I owe much more than the value of it. Could someone please look into this and let me know if there is anything I can do about this?
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Ditech has continued to apply my mortgage payments incorrectly on a monthly basis. When I reach out to them, they apologize and make sweeping changes to my balance. Often I wonder if these balances are correct because of how drastic they can be ( several hundred dollars month to month ). The latest fight I have to do is over late fees. The company maintains I paid my mortgage late, but they draft the payments out of my checking account bi-weekly. It is impossible for my payments to be late when they draft it out of my account. When I reported them to the Florida Attorney General, they sent all this paper work trying to justify they were correctly posting my payments on time. I maintain that until I requested a look into the account, they were n't posting my principal payments on time. I still believe that the company miss posts and later makes huge adjustments to my balances ( and I do n't believe my balances are currently correct ). They say they ca n't apply my principal paid via bi-weekly drafts until the full amount of principal is received, but even in a month where they receive three bi-weekly payments ( the second of which would fulfill my full principal requirement ), the company fails to post the principal until the end of the month, at least a week after receiving the full principal.
Consumer complaint received 2015-09-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FIRST NATIONAL BANK OF OMAHA (VA)

I submitted loan application data online for a debt consolidation loan, a " XXXX '', then received a call over the telephone from First National Bank Omaha, ( " FNNII '' ), XXXX. 

Subsequently, FNNI requested proof of identity, my active XXXX Drivers License and proof of address, a current year Utility Bill or a current year Bank Statement. 

All of my Utility Bills and my Bank Statements are set up to go to my PO Box listed on my XXXX Drivers License. 

I submitted my active XXXX Drivers License and my active XXXX Voter Registration Card which shows my name and my current physical home address. 

FNNI says they do not usually accept XXXX XXXX XXXX to comply with the " US Patriot Act '' rules. 

FNNI says that they can not process the loan without a Utility Bill or a Bank Statement! 

FNNI says that they are declining the loan because they can not confirm my identity or my physical home address.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

This debt was with XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$300.00}. I pulled my credit report because I want to try and fix what I can. I saw this account was sold to XXXX and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$540.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.