davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (PA)

IN XXXX my husband and I got a secured loan through XXXX XXXX XXXX that had four properties as collateral for this loan ( XXXX ). This mortgage was bought by Ocwen who we continued to pay for until XX/XX/XXXX when we paid off the loan in full. We never missed a payment, always paid on time, and paid all owed taxes in escrow as they asked. We PAID OFF this 16 % loan in FULL on XX/XX/XXXX. Recently, we are selling three of these properties ( XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX, PA and XXXX XXXX XXXX ( XXXX XXXX, PA ). We have found that OCWEN FAILED to file satisfaction for any of these properties. We have a closing scheduled for within a week ; only to find that we can not close because Ocwen ( even though they have had a YEAR to file these MANDATED PAPERS ) has FAILED to CLOSE PROPERLY by not filling these satisfaction papers in either XXXX XXXX, PA ( where XXXX and XXXX are located ) or in XXXX XXXX, PA ( where XXXX XXXX XXXX is located ). My husband is having XXXX XXXX XXXX that we need these monies for and can not complete the closing because Ocwen ( even with NUMEROUS calls ) refuses to do. Infact even after getting TWO attorneies involved OCWEN refuses ( even though I granted permission for them to talk to these attorneies ) to return numerous attempts at resolving this issue. My understanding is that these satisfaction fomrs should have been filed in the appropriate county office within 90 days. It has been a YEAR ( 365 days ) and they are  still not filed. In addition, Ocwen is asking ME and my Attorney for information on my account ( claiming they can not find my loan information ). We have faxed, called, and tried to get this information to them ; with no response and no immediate action. We may very well lose these sales due to their not doing what is MANDATED for them to do.
Consumer complaint received 2020-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

I was approved at XXXX for a loan modification in XX/XX/2019. My loan was then sold to SHELLPOINT MORTGAGE SERVICING in XXXX of 2019. Then my three trial payments got mixed up. The first trial payment I sent to XXXX in XX/XX/2019. I had trial payments set up with XXXX. They were supposed to automatically take the payment out. 

The payment did not transfer over. I realized in XXXX that the payment was not withdrawn and I called SHELLPOINT. They withdrew the automatic payment that was due for XXXX. I should not be considered late SINCE it was within the 60 day transfer period. 

At that time, I set up the next automatic payment to be withdrawn the end of XXXX. Shellpoint DID NOT withdraw the money. Now they are not permanently modifiying my loan. Because of this my  loan is back in foreclosure. It was their fault that they did not do the automatic payment. I tried to have the woman take the payment out and nothing. 

I need help getting this modified permanently.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OR)

On XX/XX/2018 I went to Experians web site to check my FICO as I receive free FICO scores from XXXX, XXXX, XXXX XXXX XXXX and XXXX. I wanted to compare credit reports. Experian offered for {$1.00} a FICO score and part of the offer was to cancel at any time. I tried to cancel immediately at the link provided but instead of cancelling the link automatically created a membership and upgraded it to {$24.00}.

I tried on numerous times to cancel via emal and this is an examle : I have NEVER subscribed to your service yet you have unlawfully taken {$24.00} from my visa account and plan to do it again on XX/XX/XXXX.

I tried to take advantage of your free 30 day trial to see my FICO score and then tried to immediately cancel because I get my FICO from XXXX XXXX XXXX and XXXX and XXXX and XXXX so I did not need any more information from you, I tried to cancel but the number you provide does not let you cancel but cause an upgrade.

AGAIN I never authorized you to bill me for ANYTHING.

I will dispute your attempt to bill me on XX/XX/XXXX. I think what your are doing is both un ethical and illegal and I will be filing complaints with the regulatory agencies and ask legal counsel if I have the grounds for a class action suit to stop your disgraceful practise.

mysignature.jpg XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX last 4 XXXX I have received two dozen solicitations from Experian but none dealing with my inability to cancel. I responded to every email that my intention was to cancel the free trial for which I was billed {$1.00}. Apparently Experian has taken {$24.00} from my visa card for the past two years and they were never authorized to do this.

I can not get them to stop emailing me and I am awaiting the {$24.00} bill on my XXXX XXXX XXXX visa so I can formally dispute this, I have talked to XXXX on the XX/XX/XXXX about this unauthorized charge,
Consumer complaint received 2021-12-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus XXXX XXXX XXXX reporting inaccurate on all 3 bureaus status says paid on TransUnion and XXXX then says collections Im confused then on XXXX it says derogatory collection. Please remove or fix & permanently put paid 100 % on time on all 3 bureaus if my status is paid I dont understand. 

XXXX XXXX XXXX Is reporting inaccurate on all XXXX bureaus please remove XXXX XXXX XXXX is reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX XXXX XXXX on all XXXX bureaus please remove XXXX XXXX  XXXX XXXX XXXX on TransUnion and XXXX XXXX remove XXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX Reporting inaccurate on all 3 bureaus please update my payment status to 100 % paid on all 3 or remove this inaccurate account from my file..
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (GA)

I reached out to the CEO of Nordstrom in reference to late payments on my credit report. Upon receipt of my email, Mr XXXX forwarded my email and documentation to XXXX XXXX for review. I explained my issue to Ms XXXX in writing on XX/XX/XXXX and XX/XX/XXXX and provided documentation. In XX/XX/XXXX, I lost both of my parents and my sister to XXXX, I was diagnosed with XXXX due to these losses, I was a victim of identity theft and I was on the verge of being evicted from my apartment. I was able to pull myself back up as I wanted the best for my 3 children and with the help of my remaining family and get my life back on track. I obtained a new position in XX/XX/XXXX with XXXX XXXX. With this new position, I was able to re-align my goals and finances. I knew that by the end of XX/XX/XXXX I wanted to become a homeowner and revive my credit history. With the identity theft issue, I had to get new bank accounts and cards. With the new position, I was afforded a new bank account with my new employer. It was an exceptionally busy time and my life as I was regaining MY LIFE and balancing a new career and being a single parent of XXXX children, I had not realized that I had missed my credit card payments as the bank account being used was the one I had closed due to identity theft. I was only notified of this issue by the bank and not by Nordstroms as I made purchases during this time.. This is in NO way how I wanted to regain my financial independence and credit worthiness. Once this was noticed, I immediately made a single monthly payment of {$600.00} to pay bring my account current and keep it current. I pay off my balance every month now. A brief look at my account will reveal I have successfully made on time and in full payments since my unfortunate oversight in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX.Recently, I have embarked on one of my major life goals, that is to purchase a HOME for myself and my children. However, this incident has come back to haunt me as these late payments are hindering my chances with a mortgage. I have worked extremely hard to get back on my feet, become financially stable and regain my credit worthiness. I am literally crying as I write this as I have come so far and I do not want my past indiscretions to hinder what I am working so hard on.

Both responses from Ms . XXXX stated that the information was reporting correctly and that they are obligated to report account behavior accurately. I was requesting a goodwill late removal and I do not believe they fully investigated my hardship and saw that I have shown goodwill measure over the last 6 months, by paying my entire bill as well as paying my account in full each statement period.Attached you will find the identity theft police report, payment history to show I brought account current immediately, statement showing I carry no balances and last letter from Ms . XXXX.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MS)

I had an American express gold card ending in XXXX as was told to me. However, I filed for ch XXXX in 2011 as my card was cancelled. Lately I have been trying to anew my credit but was advised by amex gold card  that I have a XXXX balance and that I have 2 more authorized users who's balances are line in the XXXX. First of all I am in Mississippi and I would doubt that I would have accrued XXXX in debt and to add 2 XXXX  names to my card is absurd. I request for this issue to be resolved and for my name to be taken off the amex black list.
Consumer complaint received 2018-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (FL)

In XX/XX/XXXX, I received a call from XXXX XXXX XXXXXXXX. They spoke with me and explicitly explained how they would be able to reduce my federal student loan payment by going through their program. Fast forward to today, XX/XX/XXXX, I had gotten a notice that my federal loans were delinquent and in fact the amount went up, not down. Turns out the company I originally signed with turned my account over to Equitable Acceptance and I was paying them for a line of credit. This was not what I was told, nor does the " contract '' tell me anything about student loans. I feel insanely stupid that I didn't think to look more into it, and contacted the company to see what they can do to fix it. They keep referring me to another person and I haven't gotten an answer to fix the situation and stop my false " contract ''.
Consumer complaint received 2021-02-13
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I called capital one regarding a {$9.00} charge that was mailed to them but not received on account number XXXX XXXX XXXX XXXX. Because this went deluquent 30+ days it dropped my credit score 50+ points and is preventing me from buying a home. I discovered the issue while trying to obtain a home loan. Capital One said they will do nothing about this even though I have never had this issue with them before and the account was in good standing.
Consumer complaint received 2018-08-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I no longer have the ability to make payments online. They appear to have updated their website, and my loan is a legacy product. I attempted to make my payment for XX/XX/XXXX and found this out.

After they forced me to send screen shots, they sent me a legacy link that was supposed to allow me to make my payments. I attempted to make my payment for XX/XX/XXXX this way, and still have no ability to do so. 

The only way to make payments is to hope to get transferred to someone at Capital One that has access. That takes over a half hour. This loan is set up to be online only. Thats in the terms of agreement.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (FL)

Back in XX/XX/XXXX, I contact Barclays credit card bank and I was asking them to please forgive me a late payment I did back in XX/XX/XXXX, I didnt receive a reply back from them, I did finished making all my payments and I even paid off the account. the account was close during the time I was as making my payments, I did ask the bank to close the account for me and I will responsible to make payment which I did and now the account is paid in full.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (AE)

Navy Federal Credit Union denied a fraud claim on our account. The charge was absolutely fraudulent. My husband 's card number was stolen ( along with 2 of his other bank cards ) and was left without any cards to use during a business trip. My husband had more than enough money on his card to cover the said charge, but it was not ours, so we submitted a claim. The amount of the charge was for XXXX from " XXXX '' in XXXX. This occurred on XX/XX/2018, and the claim was denied on XX/XX/XXXX. Navy Federal is not being helpful in this matter at all, and is refusing to make things right.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX is reporting a delquient account which is false because I never got the item they billing me for and XXXX  XXXX account was deleted for fraud and reappeared I attached police report for XXXX  XXXX fraud and email from XXXX XXXX saying they understand I didnt get my item but I still got ta pay which is fraudulent who pays or billed for something the company no I didnt get
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (TX)

I loaded {$500.00} on a card. The company refused to register my account and stated they would refund the balance via check. I never received the check. Additionally, the company representative stated that a {$5.00} fee was removed from my balance. I did not agree to this fee. The only fee I agreed to was {$1.00} at the point of sale.
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. American Express says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I mailed letters by certified mail to Fifth Third Bank. They are reporting that the account was included in bankruptcy. This information is NOT correct. The account was paid in full and never included in any bankruptcy. Instead of correcting this, they have placed a HARD inquiry on my credit report without my knowledge, consent or authorization. Which now it will take me months to get this fraudulent inquiry removed. They are damaging my credit with their fraudulent reporting. Because they are unable and unwilling to correct the account on my credit report I want it deleted because it is in violation of federal law. I want the hard inquiry deleted as it is in violation of federal law. They have 2 options here delete their slander from my credit report, or go to court and have a judge force them to remove their slander and pay me for damages, plus pay court and attorney fees.
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. Capital One states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I went into a Chase branch where a banker informed me that I had preapproved credit card offers. XXXX of the preapproved offers was the Chase XXXX XXXX card, which I had been previously denied for, so I eager to accept the offer under the condition that my application was preapproved. After I applied however, Chase denied my application for the reason of previous unsatisfactory relationship with the bank. This makes the preapproved offer extremely misleading and deceptive. As if it wasn't enough for Chase to deny my application after enticing me with deceptive " preapproved '' advertising, Chase decided to punish me further by closing the credit card account that I had with them. This sort of aggressive and predatory business practice to use deceptive " advertising '' to sell credit products should not be allowed. Chase is claiming that they have not done anything wrong, and they maintain that they have not deceived me. However, the outcome of this situation seems to indicate otherwise. Chase should never have advertised to me any " preapproved '' offers while knowing that they would deny me for the reason of having an unsatisfactory relationship with them. This makes their offer deceptive and misleading, and as a result of their deception, my application has resulted in negative financial impact due to the fact that Chase also decided to close my current account as a result of accepting their " preapproved '' credit card offer.