davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (OR)

Dovenmuehle Mortgage Inc. sent me a letter dated XX/XX/XXXX that they would be sending my unclaimed mortgage refund from XXXX to Oregon State Lands unclaimed property within 10 business days unless I contacted them. 

The letter provided information of a mortgage refund from XX/XX/XXXX in the amount of {$640.00}, check number XXXX, Loan Number XXXX with XXXX XXXX XXXX , XXXX . 

I began calling Dovenmuehle to have my refund sent to me on XX/XX/XXXX and have been calling ever since. First they advised the check would be mailed within 30 days. I called them in XXXX, I called them in XXXX and I called them in XXXX. Each time I call, I get a different story and a different time frame of when to expect my check. I am moving and I have been traveling 30 miles each day to check my mailbox to no avail. I have advised each of the following scenarios : 1 ) The first check was returned by the post office ( this has never happened before ) 2 ) The first check was not returned, it was never processed. 
3 ) A replacement check would be mailed within 30 days. 
4 ) The second promised replacement check was never processed. 
5 ) A check would be mailed the following day. 
6 ) Over a week later, after not receiving the last promised check, calling to be told the check would take 4 weeks to process in order to ensure any of the earlier processed replacement checks that were never mailed or processed were not cashed. 

I have been calling this business for over 3 months and can't get them to pay me money that they have held since XXXX that belongs to me. I believe this is an attempt to continue to keep my money instead of operating in good faith. Their story is literally, the check is in mail but never arrives. When I attempted to get them to process a change of address for me, that would delay the process another 30 days so I told them to forget it. This company is not negotiating in good faith or attempting to refund my money that they have had since XXXX. I have issues with their IVR system in that I get cut off and any attempt to talk with a supervisor results in either getting cut off or in waiting in limbo. I have spent hours chasing this money to no avail. Please help.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper home loan company refuses to take my payment over and over after we took a covid 19 payment forerance XXXX I started back on payments in XX/XX/XXXX where they would only take a portion they told me only of XXXX of regular payment amount which was XXXX my loan payment is XXXX normally so that's what I did for three months on time. I was told after 3 payments this way they would work with me and refinance to terms for covid 19 relief. I was then given papers to refinance my home in a 40 year loan vs my 20 year loan at same rate which is higher than average interest rate and I didn't want a different amount of years in loan we are already in. I was told by the legally they won't refi my loan or any other servicer for 12 months. My husband is XXXX and I'm XXXX on ssdi since XXXX. I then was very upset they told me this was all they could do and I need to sign it I did not I wanted the amount to be put on back end of loan only or refinance with options for terms and less interest charges. I was very upset and made calls to an Mortage loan office that I have used in the past and was told how they can't do what they are they durning this time gave me no access to online loan details nor was any of my calls going through. I got through to a division of Mr Cooper that deals with issues with consumers and I basically told them you are lying and giving misleading and inaccurate information and making me feel I have to do something that is not what I see nor read about on covid 19 Mortage relief per the government. I was after hours of research able to find out that I need to go to my original payment amount and pay 3 payments on time and I can refi with a FHA or Va loan. My husband is also a veteran but we have a conventional loan at this time. So after knowing this had to call back Mr Cooper stated all the information I had learned telling them how fraudulent there are being and how unlawful there practices are being because again they would not take my payment finally got a representative from Mr Cooper to force my original loan payment for 2 months XX/XX/XXXX and XX/XX/XXXX. I said I would call re the XX/XX/XXXX just to confirm what date to process payment and they didn't want to take it again with out full amount due including payments missed from covid 19 relief or nothing again had to spend hours being transferred to person to person when someone forced payment through.. this has been very stressful and time consuming I feel like I've been lied to over and over for there benefit reguardless of the law please help I would like to get into HUF program when available for the past Mortage and to be given truth from these companies and help not taken advantage of for there own financial gain...
Consumer complaint received 2021-04-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (NJ)

During the Covid pandemic Wells Fargo wrongly reported damaging information to the consumer credit agencies after making payments on our student loan accounts. The information reported stated that no payments were made on the account which is incorrect. My daughter and I both made several payments in XXXX XXXX, XXXX, XX/XX/21 XXXX, XXXX, XX/XX/21 XXXX, XXXX and XXXX. The reported information has created a negative report which resulted in my credit score dropping drastically. I contacted Wells Fargo regarding the reporting and was told that our payments were insufficient. My daughter and I made our best payment in good faith. I then told Wells Fargo that I am seeking the advice of legal council. Wells Fargo started harassing me calling leaving messages, they sent letters requesting the name of the law firm that I retained and finally added more negative commentary on my credit file to further damage my credit report. The most insulting part of this is the people who sign off on the letters mailed only put their first name and last initial. When I called to speak to the person who is the executive that signed authorized the additional damaging narrative they were not available. Wells Fargo caused damage to my name and credit, as well as my daughters.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still incorrect to which all 3 credit bureaus are showing different information for the accounts listed below.

The consumer reporting agencies which is Transunion did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports to which is a violation. This is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how Transunion violated my rights. 

XXXX Credit Bureau XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2021, I received notification that my TransUnion and XXXX credit scores had dropped by 119 points due to the following : -a transferred XXXX  student loan account -incorrect delinquent payment history reported by XXXX, a third party reporter of XXXX -multiple unauthorized hard inquiries I believe TransUnion and XXXX both denied my requests to dispute the above, violated my privacy by the unauthorized release of my credit reports and took discriminatory action against me with the sharp decline in the calculation of my credit score when XXXX transferred a student loan account to XXXX XXXX.
Consumer complaint received 2023-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (CT)

Affirm claims that I opened a loan for a purchase that was made on XXXX ( {$860.00} ). I make all my purchases on XXXX with my XXXX account and there is no XXXX record for that amount on the date in question ( XX/XX/XXXX ) or any other date. I have used Affirm on XXXX prior on other occasions and have always made my payments. I did not make a purchase on XXXX for that amount and did not apply for a loan. I submitted my fraud claim to Affirm on XX/XX/XXXX. I received a follow up email on XX/XX/XXXX that it would take them up to 30 days to respond. I received another email on XX/XX/XXXX that they were denying my claim and I was responsible for the loan. I followed up with phone calls in XX/XX/XXXX but was told that they would not change their decision unless I came up with more evidence. I'm not sure how I can have evidence of something that I didn't buy and have no record of on XXXX? It is clear that someone used information that I had previously provided to Affirm to open this account. Based on the little information that they have provided me to deny my claim, I suspect that their data protection procedures are severely lacking. I have tried in good faith to work this out with them but they don't seem interested in the truth.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (TX)

I closed on a condo on Friday, XX/XX/XXXX in XXXX XXXX, TX with my lender as Supreme Lending of XXXX XXXX. On Monday, after closing they claimed they didn't realize the flood insurance they approved did not meet their standards and now they were seeking to fine me for not meeting their flood insurance requirements. My condo board covers 80 % of my flood insurance and they say that XXXX requires 100 % coverage since I am in a flood zone. They had signed off on me taking out an additional flood insurance coverage with XXXX XXXX to cover the other 20 % prior to the closing. Then on Monday they claimed they were told by FEMA they couldn't have 2 flood policies on the same unit. The policy they are claiming by XXXX has been in place for years since Hurricane Harvey. They claim to be sticklers for this policy, so they are well aware of it. I believe they closed on my mortgage knowing they would come back to fine me afterwards under false pretenses. They withheld information from me with the plan to extort more money from me. They also withheld information form me by refusing to contact me directly and only working through the realtor who is a long term business partner of theirs, who did not relay the information to me. They also admitted in XXXX they had the wrong insurance documents and had based their analysis off of the gatehouse in my community and blamed the COA for giving them the wrong document, even though it clearly says Gatehouse on the document. While I was under the impression they were reviewing the mistake with the COA and the COA insurer, they moved forward with sending me a 45 day notice to fix the insurance coverage or be fined by them. This is unethical. Unprofessional and deceitful. 10 other units have sold this year and no other lender has made this claim according to the COA. They are the first lender in the history of this condo regime since the XXXX to make this claim. They are praying on a first time home buyer and who will protect me?
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (KS)

I am a XXXX vet living on XXXX since my XXXX and my wife and I decided to change from BMO Harris Bank to XXXX XXXX XXXX. I had a plan to migrate and my SSA XXXX check took two months to change from one institution to the new one so as I planned the second check transfer I expected the same time period. It only took XXXX 5 days to make the change. So my car insurance and my wife 's health Insurance payments bounced. I got them changed over to the new payment systems but BMO charged me {$35.00} a pop and then started charging me {$7.00} per day so now they say I owe them {$200.00} to close the account. I do n't have the money to close it until my next XXXX check at the end of the month. BMO says eventually they will close the account but who knows how much I will owe then. I am sorry this happened but I am not sure how to get out of this now.
Consumer complaint received 2021-10-19
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: PENTAGON FEDERAL CREDIT UNION (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PENTAGON FEDERAL CR UN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a Quicksilver VISA credit card with Capital One. At some point in XXXX, Capital One claimed that there was fraudulent activity on the card. They told me to send photocopies of my Social Security Card, drivers license, and something else to them prior to clearing the fraud alert. I suspected a phishing scheme and refused to do so. 
The account was dormant until XXXX when Capital One unilaterally decided to cancel the account. I don't object to that except that the VISA had a cash rewards plan and I had money due to me. 
In XX/XX/XXXX, I wrote to Capital One, asking for my cash rewards to be paid to me. There has been no response. 
I object to Capital One 's business practices. 1. There is no need for me to send the requested documentation to clear a potentially fraudulent charge. 2. They owe me my cash rewards. 
Thank you.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still incorrect to which all 3 credit bureaus are showing different information for the accounts listed below. If the information was investigated and reported back as accurate, how can all 3 bureaus still report different information. This is a huge violation of my rights.

The consumer reporting agencies which is Transunion did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports to which is a violation. This is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how Transunion violated my rights. 

XXXX Credit Bureau XXXX Transunion XXXX XXXX XXXX XXXXccount Number : XXXX XXXX Credit Bureau : Transunion Creditor XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Credit Bureau : Transunion Creditor : XXXX XXXX Account Number XXXX XXXX XXXX Credit Bureau : Transunion Creditor : XXXX  Account Number XXXX XXXX XXXX Credit Bureau : Transunion Creditor : XXXX Account Number : XXXX XXXX Credit Bureau XXXX Transunion Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX Credit Bureau XXXX Transunion XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (VA)

This collection agency was collecting a debt on behalf of a hospital physician that could not bill me because the hospital failed to record my information properly two years ago. After I found out about the collection from a credit monitoring service, I reached out to Phoenix Financial Services. I notified them of the error, but the representative pressured me to pay the debt so it doesn't hurt my record. I settled the debt with the representative from an original amount of {$490.00} to {$140.00}. A week later, I was called by a supervisor from this collection agency to collect more money, because he claimed that the representative who I spoke to did not have the authorization to settle the amount to {$140.00}. 

They have broken the following laws : 1.The Fair Debt Collection Practices Act ( FDCPA ) which covers medical debts mandates that a debt collector is required by law to inform the person theyre collecting from that they can dispute the debt. This did not happen even though I told the representative that this is a billing mistake. Instead, he pressured me to settle so that it doesnt hurt my credit, as he put it.

2.The Fair Debt Collection Practices Act ( FDCPA ) states that a collector may not harass anyone over the phone or through any other form of contact. This did not happen when their supervisor called me to collect more money from me even after I settled a debt that I should have disputed first.
Consumer complaint received 2020-09-01
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: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Ready Capital Corporation (NV)

We applied for PPP2 loan which was approved and all documents and agreements were singed XX/XX/2021. We have not received the money to this date. ReadyCapital states that funds were rejected by our bank. XXXX XXXXXXXX XXXX shows no attempt to send money to our account. We have been trying to get in touch with ReadyCapital to sort this out, but nobody is answering the phone and emails are received with automated responses. We still have no money and we need the PPP Loan but can not even apply anywhere else because SBA shows we have received it already. ReadyCapital also processed our first PPP loan with them - without any issues.
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (TX)

XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check in the amount of {$13000.00} after assuring contractor that they would not handle second claim check any different than first claim check. OCWEN has returned check twice without endorsement. Contractor has placed lien on property to recover amount owed. OCWEN failed to provide written documentation of what the process is. Wants me and my spouse to endorse the check first and they will " reissue '' an OCWEN check to Contractor and us. Work is complete and OCWEN inspector has been on site to verify the work ; yet they still refuse to endorse the insurance claim check from XXXX XXXX. 

XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check claiming they need to monitor the work. Can not provide an explanation for withholding their endorsement.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

Hello i have disputed by mail and by phone also online with Experian about a public record on my report chapter XXXX Bankruptcy. They have stated that they verify though XXXX  XXXX  so i disputed through XXXX XXXX and they removed it yet Experian say they are still veryfying through XXXX XXXX.I spoke with XXXX and they said the courts do not report to them. I want this removed!
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

Aldous and associates has ignored my attempts to have them correct their mistake on charging me for someone elses account. The name on record is not mine and more. They have refused to send me documents of opening, id 's used, proof that they own the account and and have refused to even dispute the account. I was never sent any 30 day letter to respond to before this hit my credit report this is not my account and if not removed I will forced to file for triple damages plus punitive of {$10000.00} for harassment, hanging up on me, being rude and causing me grate stress while defaming my character. The balance though minuscule does not belong to me for {$140.00}. please respond via mail only no more harassment this is causing me undue stress on a matter I know nothing about. I am elderly and do not go to gyms due to XXXX XXXX.
Consumer complaint received 2021-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (IL)

I had purchased a vehicle ( XXXX  XXXX XXXX ) brand new, with an extended warranty as well as GAP insurance. Approximately a year or so later, I had traded the vehicle in for a larger one and was told that I needed to file paperwork to receive a refund of the difference between the Extended Warranty and GAP insurance. I have reached out to the company directly after waiting the amount of time they had told me ( 6 months+ ) and followed up with them again. They again said they will look into it, and its now been 18+ months later and still nothing. The Extended Warranty was supposed to be around {$1300.00} and approx. $ XXXX remaining for the GAP.