davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AL)

I believe I have been charged in some cases for estimates, or estimates for future services. There are also excessive fees have been, and continue to be charged to my account, such as property inspection fee, charged when no services have been performed, or charged less than 45 days apart, when property inspection reports, home is occupied and in good shape. 

Please accept this letter under RESPA and/or TILA. 

Please provide the following information regarding the above referenced loan : Please provide a complete, itemized list of fees, charged to my account, with dates of services performed. I also need all invoices, for fees paid, for services performed, and fees owed. Please specify if any fees are estimates, or estimates for future services. Please fix and adjust all errors, on my account. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have provided the attached letter from the originator of a judgement that was obtained against me by mistake. I have forwarded this letter to the XXXX major credit reporting agencies and all but has remove the item from my credit report. Equifax is the only agency that has not removed the judgement and they have not responded to numerous letters on the subject. I have now been turned down for a refinancing of my home by my current mortgage company, XXXX XXXX XXXX, and this item was XXXX of the reasons stated for the rejection. This refinance would have decreased my monthly note payment by over {$1200.00} a month.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I have applied for a HAMP Loan Modification with Ocwen and I cant seem to get an acknowledgement or the opportunity to interact with an assigned negotiator without having to race against the clock with the threat of a foreclosure sale. This property was the subject of a divorce and I have been trying to remedy this matter. I was offered a trial modification XXXX 2015, but when I sent payments in-they were returned to me. I have been putting those monthly payments aside every month to see if I can get Ocwen to honor that modification. I hired a firm to work on my behalf and they have submitted all of my documents for a modification, but Ocwen has not responded or canceled the sale. I have to resolve this matter pursuant to divorce agreement and I do not want to file bankruptcy again. I really need help. I am going to email the ombudsman. I have called to speak to that department but have not been successful.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

OCWEN finiacial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID ( OCD ) My house was foreclosed XXXX XXXX 2015. WHICH I should have enter the six month redemption period. Ocwen has ignored the redemption laws/rules will not allow me to participate in the redemption of my home. THE Customer rep is a call center is from a in XXXX who is reading off his screen. OCWEN does not have a foreclosure departtment. And it 's website is down which prevents anyone to lodging a compliant. The customer rep told me I could not redeem my home period with no reasoning to why not. He then told me to go XXXX a home seller website which does n't list my home. What he told me over the phone originally that the refrence number was a customer care rep of OCWEN instead it was XXXX. 
I ca n't reach a single person in the company to discuss the matter. I have not received a single letter since the forclosed sale. I 'm only asking that OCWEN allow me my right to redeem my home at fair market value. And to woefully allow me to actively participate in my redeption period. MY LOAN NUMBER IS XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (TX)

CHRYSLER CAPITAL is in violation of an law set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history ), between the consumer ( myself ) and the person ( Chrysler Capital ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Chrysler Capital ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

In XX/XX/2016 there was a draft from this line of credit. My online banking platform never showed a balance on the credit account, a bill was never sent, and I was never made aware of an outstanding balance. I was also never contacted by an agent, or a collection manager with an opportunity to pay the bill. Without my knowledge, this account was charged off and reported on my credit report.
Consumer complaint received 2016-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (VA)

Deptartment of Education/NELNET is reporting XXXX accounts 120 + days past due which is incorrect. My loans was originally in deferment while I was in school once I stopped going to school my loans was in forebearance which means no payments was due. NELET has been contacted several times and the last representative I spoke with looked over my account and agreed that I should not have any late payments reporting that it looked like the person who originally did my forbearance made a mistake, she gave me the information that I needed to dispute the accounts which I did and I have not heard anyhting back from NELNET. NELNET was also sent a certified validation letter which they have not responded to. If this false informoration is not updated or deleted I will see legal council and begin a civil suit.
Consumer complaint received 2016-05-22
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (TX)

I have had a credit card account with Wells Fargo for almost XXXX years. During this time I Have never been late nor been over my limit. I pay several bills each month on or about the XXXX. I keep a log of the date I pay the bills that are not payed via auto payment. The Wells Fargo Visa card is logged with a payment of {$30.00} made on the due date of XXXX XXXX. Wells Fargo indicates that I did not make this payment. This again would be the first payment I have missed in XXXX years of doing business with Wells Fargo on this card. When I logged into my account to make my payment in XXXX, the statement reflected the missed payment and a late charge. I contacted Wells Fargo about the missed payment and they reversed the late fee. I then made a double payment on the XXXX of XXXX to cover the payment for XXXX and XXXX. When I tried to log into my account in XXXX, I no longer had on-line access to my account. I tried to contact Wells Fargo by phone and was told that I owed an additional late fee for XXXX. I tried to get them to transfer me to the on-line help desk to allow me access to my account so I could see what they were charging me for, and they would not without making a payment. I again made a double payment, but was hung up on before obtaining access to my account. There have been no new charges to this card since XXXX of 2015. My minimum payment has gone from {$27.00} a month to {$180.00} for the month of XXXX. I have made monthly payments well over the minimum payment every month since the supposed missed payment in XXXX. I have called several times and continue to get the run around from Wells Fargo. I was finally able to get them to transfer me to an on-line support representative who assisted me in accessing my on-line account. The minimum payment due is associated with fees that should not have been charged. If you look at my credit report and history you will see that this is the only financial institution that I have any type of problem with. On the contrary, I handle my monies very responsibly. This account in itself was in perfect order until the so called missed payment in XXXX. I see this as a total abuse on Wells Fargo 's part. Do I have any recourse? Please Help!
Consumer complaint received 2016-04-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jon Barry and Associates, Inc. (NC)

When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the supervisor. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work for XXXX XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work at XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency.
Consumer complaint received 2016-03-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (AL)

Since I have not been able to pay the Loan this company pulls my credit Monthly from XXXX different entities which is producing XXXX Hard hits every month. Tower Loans and TWR Loans Systems. are the entities that are reflecting on my file. This goes far back as XXXX 2015. Please have them to remove these inquiries and tell them to stop Hard hitting my credit. It as already showing up as a Charge off. So why are they continuing to hit my credit every month. I am going to pursue monetary compensation for this. I m trying to clean my credit up so I can pay this debt off.
Consumer complaint received 2022-09-05
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. (SC)

I have reached out to Equifax, XXXX and XXXX. asking that they verify all of this negative account I also asked for proof of investigation, all agencies sent a copy of my credit report and no proof that these accounts belong to me. comparing all credit report all this account multiple inaccuracy and inconsistency between the three reports, so how is that these came back verified? no proof was of investigation was shown to me. Equifax placed a legislative freeze on my account which drop my credit score more than 90 points i did not put a freeze on my credit file and it is very damaging to my credit I would like to have all of these collections deleted from my credit because I have never signed a contract with any of agency nor did I authorize any transaction with them. every single item on my Equifax XXXX and XXXX is not reporting as not disputed when i have indeed disputed so I am attaching my credit report because it's a lot of accounts
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I applied for a Paypal Mastercard on JXX/XX/2022. The website requested that I unfreeze my credit report, which I did with XXXX. Then it asked me to unfreeze my credit report with XXXX, which I did. Then the website locked me out. Subsequently I received notice that my application had been denied due to a credit freeze. However, when I checked with XXXX I found that Synchrony bank had accessed my credit report with XXXX and did a hard pull which decreased my credit score. Synchrony claims they did not, and XXXX said they did. XXXX then sent Synchrony an inquiry on this matter on XX/XX/2022 and they have not replied. I need to have the hard pull removed from my credit report, or the credit card be issued. I am attaching a screenshot from my credit report from XXXX showing the hard pull and also the three letters of decline from Synchrony stating I was declined because they could not access my credit report, when in fact according to XXXX, they did.
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (VA)

Convergent Outsourcing recently reported ( XX/XX/2016 ) my credit, claiming that I owe {$630.00} to XXXX in the state off XXXX. This debt is fraudulent as I have neither opened an account with XXXX nor lived in XXXX. Although I have disputed and successfully deleted this debt with all XXXX credit bureaus, at least XXXX times in the past, it keeps reappearing on my credit report.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (OH)

For the past 2 years I have been sending debt validation letters with no response. 
This debt collector purchased debt from a bank that cant verify debt. 
2 letters sent to debt collector about debt validation which they ignored. 
Now uniiund filed lawsuit. 
Lawsuit was sent without certified letter-signature requested. No one was available to receive letter. When investigating I found letter was reported as received by individual when it was not. Video monitoring of mailbox showed no letter delivered. 
I have a service that monitors courts for identity theft. Case was e filed on XX/XX/XXXX. No information appeared in court records until XX/XX/XXXX. It as if case information was masked so I could not monitor. 
Debt collector demands a response within 3 days. Ohio law allows 28 days. Unifund not following state law in addition to debt validation letter rules
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

XXXX to XX/XX/XXXX insufffficent funds notices and monthly amount for fee low balance. bringing account into negative than forcing a close on XX/XX/XXXX using up the 100.00 that was in account charging 200 dollars and creating a bad chex system report
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OR)

My account was charged for XXXX insufficient funds fees charges this morning. Over the weekend, my XXXX fee was withdrawn and left me {$98.00} overdrawn. ( I did not know banking happened over the weekend ) On Tuesday morning chase bank chose to charge me for the overdraw of XXXX smaller charges, XXXX of them {$22.00}, which is less than the overdraw fee itself, XXXX for less than {$35.00}, which is less than a dollar over the overdraw fee itself, and XXXX for {$55.00}. The reasoning they gave me is that they handle the largest charges first and something about pending charges versus cleared charges. None of the charges are pending to me since they remove the money from my account the second the charge comes in. The money for all of these charges was deposited on the first banking day as it is always deposited in the many years I have banked with Chase. In addition, the smaller fees would have been covered until the XXXX fee - so the insufficient funds fee was valid for XXXX but not for the smaller fees. The XXXX fee happened over a weekend when there should be no banking anyway. I have called Chase to have the fees reversed and they refused. I spoke to XXXX different people, the last being supervisor XXXX who 1 ) said she tried to reverse but the system wo n't let her because I 've gone past my courtesy limit this year 2 ) I asked her which regulatory agency I could complain to because this is corporate theft, and she told me she is the XXXX I would complain to. I asked her again to tell me who regulates banks and she said she understood and was very sorry but did not recommend a regulatory agency.
Consumer complaint received 2015-04-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My insurance company XXXX sent me a payment for {$450.00} on XXXX XXXX, 2015 through Bank of America 's Mobile Transfer service. Bank of America sent me a text message the same day saying they had received the payment and would credit my account. They still have n't done that. When I called them, they said they have no record of the transaction.
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (KS)

Filed a dispute against a merchant for not sending goods as ordered. I called synchrony bank which manages my XXXX master card. They took the dispute but have declined to give me temporary credit during the investigation. They are sending me bills to pay on the amount charged by the merchant.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX i made a transaction via PayPal for {$230.00} and on XX/XX/XXXX i made another transaction via Venmo which is a PayPal company for {$290.00} for shoes from the company XXXX XXXX. The company is now bankrupt and in federal court for fraud. PayPal/Venmo and my bank ( XXXX ) have both denied and closed my cases and see no wrong doing. I have also filled out information with the FBI which is actively investing the company XXXX XXXX.
Consumer complaint received 2021-06-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (NC)

The car loan doesnt belong to me what I mean is I didnt purchase the car. I had a family member living with me and when I would travel out of town on business they must have took my ID and information from out of my old pocket book in my closet. The car was brought online and when I found out about it I immediately had the car picked up from that family members new home they moved into. The car was brought in XX/XX/2019 I believe and I have tried working with Bridgecrest to have it removed from my credit to no avail. I didnt do a police report because I dont want the family member in jail she has XXXX small kids but I dont and shouldnt be held responsible because I dont have a police report.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

XX/XX/2021, Amount : {$4600.00}. I contacted credit collection agencies and collection was removed and then reinserted under a different collection agency ( Three Letters attached ). I contacted XXXX XXXX Fraud Department. They advised to file a police report, which I did ( Attached ). The Credit Bureau 's never notified me in writing of the reinsertions ( See attached letters set to them : XXXX, XXXX, XXXX ). I attempted to submit Police report to I.C. Systems Inc ( Collection Agency ) online and an error kept notifying me that I needed to Prove I was not a robot and would not move me beyond that point to submit supporting documents.
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (MA)

XXXX XXXX XXXX. 
I specifically requested an account that does not authorize any overdraft. I want payment to be declined instead of pushing me into " the red ''. The TD Bank who opened the account assured me this was the case. Since then i have been charged thousands in overdraft fees. I was blatantly lied to when opening the account.
Consumer complaint received 2016-06-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (CA)

We 've had this loan for a while now and in it 's simplest terms the amount applied to the principal versus the amount to interest is silly. Out of XXXX applied in may 2016 applied to interest is XXXX and XXXX applied to principal and it 's been this way for the entire loan process and we are having a difficult time repaying the loan back at that mthly amount. We tried to get it lowered they say we make too much money which is a silly comment at best. This whole loan with Nelnet seems like it should be illegal.