davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (AZ)

I have had a mortgage loan with Ocwen/PHH for several years and in XXXX of 2020 decided to refinance due to lower interest rates and better loan terms. The loan was a modification and was an interest only. The loan amount owed is {$590000.00}, therefore, a jumbo loan. The monthly payment was {$2700.00} which included taxes and insurance. The title company, XXXX XXXX wired {$600000.00} to Ocwen/PHH on XX/XX/2020 and escrow closed on XX/XX/2020. However, I was advised by XXXX XXXX in XXXX, AZ ( Escrow officer on XX/XX/2020 ) that the funds had been rejected and returned by wire transfer from Ocwen/PHH due to the property tax shortage. They held {$600000.00} for 14 days and did not alert me, the title company or my mortgage broker. Now they are saying that I owe them {$1200.00} and some change in interest because of the so-called shortage. The tax impound amount was wired to Ocwen/PHH along with the payoff and confirmed receipt by the title company on XX/XX/2020. They ( Ocwen/PHH ) have yet to request the return of the payoff and now I have two huge mortgages outstanding as the {$600000.00} was sent back to the title company and the new loan payment from the new lender is due on XX/XX/2020. Why did they hold the payoff, {$600000.00} for 14 days and did not advise anyone of their error until XX/XX/2020. They have not reconciled this situation as yet and I feel as though there may be some underlying reasons for this. In the meantime, my credit rating is in jeopardy and still show that I have two mortgages as the title company is in possession of the {$600000.00}. Please investigate this as something is appears to be seriously wrong. I am a senior citizen and certainly can not afford to be the victim of their wrongdoing and/or error.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$250.00} XXXX   XXXX {$2000.00}
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (NY)

This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY. 

BMW FINANCIAL SERVICES XXXX Date opened XX/XX/2019 Balance {$47000.00} ;
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA IS IN VIOLATION OF LAW. USAA APPLIED ( 0 ) zero NO TEMPORARY USAA CREDITS TO MAKE  PERMANET. See attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIN DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00} CLAIMING TEMPORARY CREDITS MADE PERMANET. ( I have complained for XXXX XXXX years NO CREDITS WERE PROVIDED. ) See attatched USAA REVIEW OF YOUR CLAIM COMPLETE XX/XX/XXXX XXXX NO FRAUDULENT ACTIVITY FOUND. 
USAA STILL HAS NOT PROVIDED THESE PERMANET CREDITS. Per statutes Fraud BY LAW MUST BE RESOVED IN ( 2 ) Two Billing Periods. THE LAW IS VERY CLEAR. USAA IS IN VIOLATION OF FAIR CREDIT ACT LAWS.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX XXXX {$450.00} XXXX AR XXXX {$590.00}
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX  XXXX {$450.00} XXXX AR XXXX {$590.00}
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

INFORMATION ON MY REPORT WAS NOT VERIFIED ACCURATE I CONTACTED THE COURT AND THEY STATED THEY DO NOT REPORT TO ANY CREDIT BUREAUS the claim that XXXX XXXX XXXX XXXX and or public records verified the account they are reporting is accurate.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MO)

To Whom it may concern, My complaint/dispute is described in the attached document XXXX XXXX XXXX XXXX  ( XXXX  ) was the free seminar which I attended in XX/XX/XXXX where I bought a 3 day workshop for {$990.00}. This workshop wasnt valuable and they did not allow us to document what they are teaching on the whiteboard, by taking pictures or other means. 

I already filed the dispute on XXXX XXXX  and waiting for their reply. 



After the 3 days, they pushed indecently for us to buy their program for {$24000.00} by promising us to get help until we get our investments back. Upon telling them I dont have this money, they said they will assign me with this company ( XXXX XXXX  ) to call different credit card companies and obtain the needed funds. I found out later that their real name is XXXX  XXXX. I paid {$3500.00} to this company as well. I was not given any time to read the contract. It was just one piece of the disclaimer, Please see attached. 
So I purchased the program through Chase credit card. 

After trying to launch my product with their poor advice and I failing, I had spent another {$5000.00} worth of expenses. They did not have any system in place not did their coaches have any knowledge. They did not render their services. 

They only refunded me {$5000.00} after a year, even though I had to pay a 14 % interest rate on the loan. 

So, I paid about {$30000.00}, did not make any money, am facing a big debt and cant even move forward with my business. 

I have all the documents along with further proof for your convenience. 

This company was shut down by the Federal Trade Commission for fraudulent practices. and it is no longer in business. 



I found out later that there were hundreds of complaints on XXXX XXXX XXXX against them. 



We was informed by the government ( FTC ) on XX/XX/XXXX that they shut down XXXX and there is a law suit against them. 



I am attaching the FTC website that advised us to call the credit card company to request a refund. 

Please see the attached paper. 

Also, please see the receipt of the payment and the statement. 

Thanks for your help XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (IL)

On XX/XX/XXXX I cancelled my account with XXXX XXXX XXXX for our mobile phones. I had switched over to XXXX. My bill had auto paid to XXXX XXXX XXXX for 1 month in advance on XX/XX/XXXX XXXX XXXX XXXX when i called and cancelled on XX/XX/XXXX said they would refund all of my money. 
I told XXXX XXXX XXXX that I had used 8 days of service and not to refund all of the month I had paid in advance only the what I had not used. They said they always refund the entire bill. 
This went on for 3 months. I would call every month. Then I received a bill for {$190.00} and I called again. XXXX XXXX XXXX said I only owed {$48.00} for the 8 days I had used their services and they did not show a bill for {$190.00} This was on a recorded line by XXXX XXXX XXXX and I said you are sure you do not show {$190.00} you only show I owe {$48.00} and they said yes. I agree and Paid the {$48.00} Then the next month I received a collection notice from Sequim Asset Solutions for {$130.00} the balance of the {$190.00} that XXXX XXXX XXXX said I did not owe. I called Sequim and explained the whole situation to them and they would not listen. I do not owe this bill. I then contacted XXXX XXXX XXXX XXXX XXXX and XXXX took this off of my credit report. XXXX  did not and said that Sequim said I owed the bill. Which I DO NOT OWE. Now a different collection company is calling me XXXX XXXX XXXX  Now Sequim does not even have this account anymore and is still reporting on my credit report. Of which again, I had paid this bill in full to XXXX XXXX XXXX. Please help me to get this off of the XXXX credit report I have also tried to contact XXXX   again and I can not get through to them via phone. I have mailed another letter to them. My credit was perfect until this was reported and should not be reported. I w paid my bill in full. I DO NOT OWE XXXX or XXXX anything.
Consumer complaint received 2024-04-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/2024 XXXX XXXX  XXXX. in sole capacity of Trust filed change in Escrow with the XXXX XXXX XXXX North Carolina Bankruptcy Court-XXXX  XXXX indicating change in escrow to reflect {$560.00} to {$650.00} effective XX/XX/2024. However, this violates but is not limited to 1024.17 ( c ) ( 3 ) of the Consumer Finance Protection Bureau procedural code
Consumer complaint received 2020-04-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (HI)

Marcus by Goldman Sachs has refused to payout my {$100.00} savings bonus for maintaining $ XXXX for 60 days. They allege that I was deemed ineligible for the bonus as I had apparently made an ACH withdrawal the same day I enrolled for the promotion. I totally forgot about this, certainly an honest mistake. However, XXXX should have performed due diligence and informed me ASAP that I was no longer eligible as I am effectively tying up $ XXXX for 60 days under the FALSE impression that I was still eligible. This is misleading and deceptive practices and completely unprofessional.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (IL)

I have not used my Discover card for a very long time, at least 2 years. I ended up freezing the account because there was an XXXX charge that kept recurring that I was unable to stop. I was unable to stop it because it was tied to an old email that I couldn't gain access to again. Then I ended up seeing an email where there was a balance on my discover card, due to the same XXXX charge, but my account should have been frozen. I froze the account again and paid the amount, but Discover reported it as a late payment on my credit report. I have been in good standing with them the entire time I have been a customer, and would like to have that derogatory mark remove from my credit report. This derogatory mark is keeping me from obtaining financing and I would very much appreciate the help getting this removed.
Consumer complaint received 2020-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (LA)

Tried to send payment through Zelle app. Twice it gave me error codes without sending money to my recipient but shows under actions in the Zelle app that the payment went through. It shows as a pending transaction in my bank. Ive called Zelle twice with no answer why but just told someone will send me an email in 3 business days.Ive called my bank and its a problem on zelle end they said. Zelle can not tell me why this happened and told me to wait on a bounce back to the bank before trying to send the money again. Meanwhile my husband and son still cant get the money. This happened today XX/XX/2020
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MI)

XX/XX/XXXX. {$260.00}. I believe that this payment is insufficient for the services rendered due to services not working correctly. I would like the {$110.00} installation/contract fee reimbursed to my account effective immediately. I need to study for my Professional Exams, including XXXX XXXX possibilities for a scholarship in the summer of XXXX or sooner.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am looking over my credit report, and my credit age is being reported as only being XXXX months old. I have an account with XXXX XXXX XXXX, that is now closed, but that I had open for nearly XXXX years! With 100 % payment history at that, and I opened that account in XXXX. Screenshots will be attached. Misinformation on my report is hurting my score and leading me to many denials. Please fix this Im sure there is no way my credit age is XXXX months old!
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

over several months, I have attempted to have all 3 credit bureaus to provide me with documentations that shows that i have a binding agreement with the incorrect items being reported on my credit report. the only thing that i have recieved has been generic verified letters. they can never provide me with proof as i have asked over several month.
Consumer complaint received 2020-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

Purchased set of tires and wheels on XX/XX/2017, total price = {$2200.00} with {$800.00} payment made, balance {$1400.00}. Utilized credit program with vendor which sourced through American First Finance. When making the {$800.00} and opting for credit line I was not given credit terms nor interest rates, was told to expect to be contacted by loan agency, this was one day prior to making cross-country trip. Upon arrival to destination, XX/XX/XXXX, created automatic payment through my bank since I was not home to receive notice of payment or interest rates. When creating this automatic payment I noticed a payment had already occurred to American First Finance. I contacted them to inquire about this action and if this amount would pay the entire balance of {$1400.00} by the due date, the customer service representative stated, yes. 

Several months later I checked bank payment history and noticed payments were still being withdrawn, well surpassing the {$1400.00} amount, a total of {$1700.00}. I contacted American First Finance to request a refund of the {$260.00} overpayment and they cease withdrawals, they refused and stated that this was based on the interest rate compounded after exceeding the 90 day mark. First, I did not receive a notice of the interest rates nor when I returned home to California, did not receive mail containing credit terms or interest rates. It was during this telephone call that I was finally able to coordinate receipt of the credit terms and interest rate. This was emailed to me and depicted a rate at 140 %. If I would have known of this rate I would have opted not to take this credit line and if I did would have made a valiant effort the balance was paid well before the 90 day mark instead of relying on their customer service representative that assured me things were taken care of. Because they were unwilling to accept my payments for payoff nor generate a requested refund of I cancelled payment to American First Finance, which cost me {$25.00} to process. With continued effort to rectify with American First Finance they stated they did change their business practice with the vendor I purchased the merchandise, XXXX XXXX XXXX XXXX by ensuring consumers were given credit terms and rates but would not show I paid the balance nor refund me the amount I overpaid. That in itself was an admittance that American First Finance required corrective action but they still were unwilling to refund my overpayment nor rescind their efforts to seek further payments for over {$1600.00}.
Consumer complaint received 2020-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NY)

I purchased a new Hyundai XXXX in XXXX. My regular payment amount is {$540.00}. On XX/XX/2020, I paid {$540.00} which was correctly applied {$500.00} to the principle and {$42.00} to interest. I paid {$600.00} on XX/XX/2020. Only {$55.00} was applied to the principle when and none to any interests while the vast majority should be applied to the principle. On XX/XX/2020 I made a payment of {$700.00}. None was applied to the account. On XX/XX/2020, I made a payment of {$700.00}. None was applied to the account. On the payment history, all of these transactions are there. I called in XXXX and XXXX to ask about my payments, which I was told was applied correctly. I received a call from the Hyundai financial collections department on XX/XX/2020. I was told I owed {$1000.00}. The caller did not identify themselves. I called the 1-800 number on for Hyundai Financial and was told that I owed the above sum despite that my XXXX, XXXX and XXXX payments where not applied correctly, despite 2 previous phone calls. I was told that since I put in the payment information, It was my fault and that the department was closed.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I have a credit card with Wells fargo and most often its been great. We have had a nice banking relationship. I am a business owner, and in trying to explain the issues that XXXX has brought upon my business, they didnt agree with my timeline, and hence my account is in collections with legal. I made a payment that didnt go through as my business has functions in XXXX. Now that coronavirus has been named, all companies are being given assistance on current bills, but my issues stemmed bAck in XXXX so unfortunately, they wont extend to me the same benefits current business are getting. I was paying monthly before this, so Im just wanting to have the card reopened and be able to pay my balance as i really enjoyed my relationship with the bank. I simply was affected back when XXXX XXXX XXXX happened, and workers began to move and leave. Ive now been given funds from the SBA XXXX  get things back on track, but wasnt able to when i called. I dont want to have this on my report as non paying as my business was affected by XXXX. XXXX XXXX XXXX, in California
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

my benefits goes to to this bank every first and third of each month and the problem ( s ) that i am having with this bank is that before i never had a problem with checking my balance in my account but now i am being sent to a 1800 number and i never had a problem checking my balance with the other people that works for this company now i have to go through a lot of red tape before i can get the information that i need for my account. and this is not the first time that i had problems with this bank. i wanted to get a secured credit card and was declined one and i had the requirements in the amount of {$300.00} dollars and when i told the lady that what ever i use out that {$300.00} dollars and to draft it out of my account to bring it back into good standing. so when she after 30 to 45 being up in this bank and i told her that she had put something in her computer that i don ; t qualify for one. like i said this has not been the first time i had with this bank. i even had a banker to tell he was not the one. and i have even spoke with his supervisor like i spoke to a supervisor about the employee that about the problem ( s ) i am having now. if she was not lying why was i hung up on? and why was i not informed about that i would have to call a 1800 number to check my balance and things about my online banking? and why i was not informed about things that should have been told about the things and the changes that was made? and why i did not qualify for credit card?