davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (MA)

I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to request your assistance in resolving a longstanding issue regarding a second mortgage on my property located at XXXX XXXX XXXX, XXXX, MA, which has caused me significant harm and is now severely limiting my ability to purchase my next home. 

In XXXX, I purchased my home with both a first and second mortgage. During the financial crisis, I successfully modified my first mortgage with Ocwen Financial Corporation, but I have not received any statements, invoices, or demands for payment on the second mortgage in over a decade. Despite multiple attempts to obtain information from Ocwen, I have been unable to determine the status of the second mortgage, and Ocwen has not acknowledged the debt in their system. 

This situation has placed me in a difficult position, as I am now in the process of selling my home and purchasing a new one. However, without resolution of this second mortgage, I am unable to move forward with my purchase. The uncertainty around this mortgage has not only delayed my plans but has caused significant emotional and financial stress. 

I have attached all the documents I have been able to obtain regarding this matter for your review. I would greatly appreciate any guidance or support your office can provide to help resolve this issue, as it is deeply impacting my ability to move forward with the sale of my current home and the purchase of my next home. 

Thank you for your attention to this matter, and I look forward to hearing from you soon.
Consumer complaint received 2024-09-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I recieved this card in XXXX as a Gift however I can not use the card at any of my perfered stores or online retailers. the balance of the card is {$25.00}
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Almost a month ago, I called and spoke with several Huntington Bank Representative and requested that they please close my checking account. 

The actual issue is that they can not verify my new contact phone number that I added to my account in XXXX and CAN NOT closed that account. 

On Saturday, XX/XX/year>, I called and spoke with XXXX and other representatives to close my account : I am a XXXX XXXX and CAN NOT afford to visit any of their branches to close the account- This is the 21st century for XXXX 's sake! 

And even though their representatives are adamant that they are unable to send me a verification code to my new phone number, a code was sent to the same phone number that they can not verify. Yet, they will not close my account. 

When I called their automated system, I had to verify my PIN nbr ; who would know my PIN nbr? I must have provided my email address a hundred times and still their representatives kept saying 'we do not have your email on file " Huntington Bank sends me tons of email each day advising that 'Your balance is below XXXX  '. 

Last month, my account was assessed a XXXX XXXX monthly fee and it's getting very close to where another monthly fee will be assessed if the account is not closed. 
PLEASE stop the nonsense and close the account. 

Your below-average representatives and supervisors ( XXXX ) are lost in Translation. 

Unapologetically XXXX XXXX Account ending XXXX
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (CA)

My company name is XXXXXXXX XXXX XXXX XXXX. My business checkbooks lost when someone broken my car and steal my bag. The checkbooks in the bag. My checks from bmo bank. The theft sign my checks and cashed money the amount is XXXX $ and {$3400.00}. XXXX checks. Please ask bmo bank help me refund my money. I have already went to bmo bank request stop payment and frozen my checking account.
Consumer complaint received 2024-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (KS)

We began a loan application process with Wells Fargo several months ago beginning with a pre-approval for purchase of a new build home. Around early XXXX all parties were ready to close with loan approval in hand. XXXX delayed the closing process because there were a few minor punch list items for the builder to complete. This delay in closing happened at least XXXX more times throughout XXXX due to XXXX having issues with minor work that needed to be completed. Due to the WFs continuous inability to close on the approved loan, enough time had passed where XXXX apparently needed to repull credit. This final time, due to an erroneously reported past due cc payment, XXXX now says that we are not approved for financing when we were approved just the prior week. They backed out of approval at the last moment and have left my family with the prospect of being homeless. We were never given any indication that once we were approved that this approval could be pulled. This is unfair and unethical as we XXXX done everything the lender has asked during their significant delays.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (TX)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : CENTRALPORTF Account # XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-09-06
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (VA)

Experian credit report is showing a collection account from Jefferson capital systems, from a sprint account that does not belongs to me, they send me collection letter also, but the information is wrong. I never open an account with this company and currently I don't have any account with them. They are affecting my credit report.
Consumer complaint received 2024-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

I applied for an income-driven repayment plan ( IDR ) in XX/XX/XXXX. I specifically wanted to be put on the XXXX plan, *not* the XXXX plan . I communicated this on the phone when I was asking for guidance on the phone and being given direct step by step instruction on how to apply. 

After many, many weeks of waiting for a result on my application to no avail, I was finally got placed on the XXXX plan instead. I called Nelnet numerous times to point out this problem and investigate how it can be fixed -- I needed to be on the XXXX plan, and I clearly communicated this in my application. 

On XX/XX/XXXX I called Nelnet once again insisting I get actual answers to my questions and concerns instead of being told to wait, call back, or waste time in XXXX way or another. I spoke with an agent who identified herself only by first name. After looking up my file and seeing my submitted application, she confirmed that I should indeed be on the XXXX plan. She helped me by filing an internal application to have my IDR repayment plan changed from XXXX to SAVE. She assured me additional documentation was not required, and I would get an email in XXXX weeks stating the plan change. She would not, however, provide me with any confirmation an internal application for change was submitted, under process, or even her full name. 

In XXXX, with months having gone by and still no change, I called Nelnet numerous times again -- struggling to find anyone with the knowledge and willingness to properly help me. I was told to simply " just file a new application for XXXX at this point, '' and given instructions for that -- which, I may add, I have to also assume happen to correct, as I did the first time. 

In all, I have had such a prolonged experience getting my repayment plan set up with Nelnet. It has been almost a year now with me being on the wrong plan. In that year, {$11000.00} dollars have accumulated in interest that would have otherwise been subsidized if I were on the XXXX plan. Now, I am faced with this interest capitalizing and worsening my financial situation when I do not even have any employment or income. And during all of this, I was just met with vague platitudes of empathy and no real customer service to promptly or successfully address my concerns.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (WA)

I have a savings account through Apple ( APPL ), which is a Goldman Sachs deposit account. On Wednesday, XX/XX/year>, I initiated an ACH withdrawal of {$8000.00} from my Goldman Sachs savings account and into my XXXX XXXX account XXXX 

The previous day ( XX/XX/year> ), I had transferred {$150.00} to make sure the connection was made, and it was initiated and transferred timely - It was immediately deducted from Goldman Sachs and XXXXXXXX XXXX received it the next day on XX/XX/year>. 

On Friday, XX/XX/year>, I noticed that the {$8000.00} transfer was still in a pending status, and I have not heard from Goldman Sachs why there iss a delay. I called and they said it was needing some sort of 3-way verification. If this is the case, then why hasn't Goldman Sachs let me know? 

I expect to have easy access to my funds and Goldman Sachs is preventing this.
Consumer complaint received 2024-09-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Hello I have a prepaid card that has a flat balance of {$25.00} but the card is impossible to use and no major store accepts them even if the balance is much higher than the item being purchased.
Consumer complaint received 2024-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc. (WI)

Today I received an alert from XXXX regarding a derogatory item. I was unfamiliar with that item. I reached out to the company XXXX XXXX and XXXX XXXX hung up on me multiple times. The 4th time he told me to call XXXX XXXX after I asked about the validation notice. I was not aware of any of this being sent to collections and have not received any letters or communication regarding this. I was not given proper time to validate or dispute this debt and it has decreased my credit score significantly. 


XXXX XXXX or XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX and was not able to get in touch with a representative. I then called the corporate number which transferred me to XXXX XXXX  who said that they could no longer help me with this. So basically, I have received no validation notice, no dispute process and all 3 points of contact are sending me elsewhere. 

I have a serious medical condition that prevents me exercising and has resulted in me working from home full-time. This is unnecessary stress.
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Fresh Holdings Inc (PR)

To whom it may concern, I XXXX XXXX XXXX, was checking my credit report when I saw that there was an account opened under my name but I never applied for this company to get any line of credit. Therefore, Im requesting proof that I opened this account and where was this account opened because I have lived XXXX  for the past two years. Additionally, I would like Credit Fresh to cease and desist all contact methods and that you remove this wrong information because its affecting my credit score and Im in the process of buying a home. Thank you for reading this matter and hope we can fix this issue soon.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

This is in regards to my Venmo account being frozen since XXXX XXXX. When my account was frozen, Venmo did not notify me or indicate any reason why it got frozen. Once I noted it was frozen, I reached out to customer support and they informed me that I needed to verify my identity and submit documents to them. I sent over the documents right after the discussion and on XX/XX/year>, I received an email stating my account is opened again. Then on XX/XX/year> I was contacted by a Venmo account specialist stating my account is permanently deactivated and that I am not allowed to use Venmo anymore. I was not ever informed what I did wrong or why I am banned from Venmo after asking multiple times. I have not been able to use Venmo or create another account since. 
If there was any fraudulent activity that was out of my control due to multiple account being hacked along with my XXXXXXXX XXXX I also reported identity theft to the police with the police report due to multiple bank account and credit cards getting hacked. I have been trying to find answers by calling support numerous times, but no one has been able to provide me with a clear and specific reason as to why my accounts were shut down. 
I have struggled for years not being able to make Venmo payments and this has put me in some of the worst positions because that was my only way of payment to people and it was taken away from me due to something that was out of my control. 
To this day, I have not received any answers and have contacted multiple people to help me restore my account. This is completely wrong and unfair and I do not appreciate the lack of communication as well. 
I hope to have my account restored or be eligible to use Venmo again. I have never done anything that was fraudulent or with ill intentions.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On the line with USAA who can not see any of the payments that I made from my XXXX  accounts- XXXX  deducted the money from my checking account and never paid USAA . XXXX yesterday, in the branch on XXXX and XXXX is XXXX, claimed that USAA rejected a partial payment from my account. 
USAA claims that I have a balance due of {$23000.00}. 
This impacts my credit rating and XXXX score, clearly. 

USAA has no knowledge of any payments. 

USAA claims that usually the payments do come through from other customers. 

At the XXXX branch, XXXX claimed that USAA rejected the payments. 
They told me to call USAA. I am on the line with USAA now. they see no payments. 

See transaction record from my account at XXXX below. 

TOTAL CHECKING ( ... XXXX ) XX/XX/XXXX Online Payment XXXX To USAA XX/XX/XXXX Bill payment - {$4000.00} Credit Return : Online Payment XXXX To USAA Other {$6200.00} according to XXXX. 

USAA sees no record of payments.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (FL)

Good morning, I found this bug which lead to me losing XXXXXXXX XXXX in fees from a wire transfer failing to go out. 
The bug exists on XXXX XXXX XXXX XXXX XXXX XXXX  and I tried on multiple computers, however its slightly different behavior on the different browsers. 

The issue exists on the status tracker page, I sent a test transfer to make sure my landlord received the transfer and on receipt I scheduled an additional transfer by copying the account and routing number from this page. This is what caused my failure. if you click on a completed wire transfer status, it will bring up the information of the transfer. 
Selecting the account number by double clicking ( on my wife 's computer ) or triple clicking ( on mine ) will cause extra data to come into your clipboard. For chromium based browsers it will cause the first character of the account number to be appended on to the account number. For XXXX, it will cause the account number to be appended again with spaces in between each character. 
Account Number : XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes, I admit, I should have validated this information again or manually entered it, however, this information was copied from the ally website from a valid transfer that I confirmed went to the right location. 

I have spent XXXX hours trying to report this bug to ally bank ( XXXX phone calls and a chat ) they deny there is any bug with the wire transfer but don't have a way of testing the status tracker page. I was only able to get the XXXXXXXX XXXX fee that they charged refunded as a " courtesy '' not them acknowledging the bug. 

These transfers happened on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-09-06
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bridge IT, Inc. (AZ)

Brigit has been extorting my credit, since I decided to cancel membership, around XXXX of 2022. They report to credit that I negative miss payments for membership of account I haven't had since 2022. I have contacted them several times just to get laughed at and told to make my late payment so they can report that to the credit company. They have shot down 6 disputes through XXXX  credit saying they proved I gave then the info and authority to continue the account. But the account was closed 2022, THE BRIGIT TEAM TOLD ME IT WILL HAVE NEGATIVE AFFECT ON MY CREDIT IF I CANCEL MEMBERSHIP. They definitely wasn't lieing ; cause they have been reporting bogus reports since sometime in 2022. Now my credit is so bad from the bogus membership that Brigit claims I owe.
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I sent another letter to Huntington National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by way of USPS Certified Mail Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my second attempt to retrieve information from Huntington National Bank regarding the repossession. I initially sent a letter to Huntington National Bank on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Huntington received this letter XXXX XXXX XXXX XXXX XXXX XXXX and they still have not responded with the documentation that I requested in that letter. 

In the letter I sent to Huntington National Bank on XX/XX/XXXX XXXX XXXX XXXX XXXX I requested more information regarding the account. I asked a series of 22 questions. I will attach the document that I sent.
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (TX)

On XX/XX/XXXX, I executed a Monthly Payment Extension Agreement for my XXXX Audi XXXX. I returned the document to Audi via my online portal. Numerous times since that date, Audi confirmed they received this agreement and it is " in processing ''. This agreement allowed me to defer two payments and my next payment due date would be on XX/XX/XXXX. However, as of XX/XX/XXXX, this agreement has not been processed. They are showing a past due amount of over {$3000.00} on their portal and all three of my credit reports are reporting past due for that month. I have asked them to correct this information and ensure my account is up to date and also ensure my credit report is up to date and they refuse to do so.
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/year> I sent a letter to Huntington National Bank XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX by way of USPS Certified Mail Number : XXXX XXXX XXXX XXXX XXXX, green return receipt requested, requesting more information regarding the auto loan. 

Huntington received the letter on XX/XX/year> at XXXX. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. 

In my letter to Huntington National Bank I requested the following information : 1. The Original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing of the vehicle.

2. I would like the entire payment history on this account from start to finish. This history should include the monthly balance, the required minimum payment, and the actual amount that was paid each month. Please be sure to include the date of each payment.

3. The Notice of Sale/Notice of Default, informing me of the date, location, and method through which the vehicle was sold, and how I could have redeemed the vehicle. Please provide proof of mailing for this letter.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter.

5. Any notices regarding my right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter.

6. The invoice of the sale of the property. Please provide proof of mailing for this letter.

7. Details regarding whether this was a public or private sale. If this was a private sale, please specify whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers.

Please respond to this letter by USPS mail. I look forward to hearing from you.