davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I went to make my mortgage payment on XX/XX/XXXX online and was unable. I called and Ocwen and was advised I was behind over {$9000.00}, which was not true as I had made, and Ocwen accepted all, of my payments to date. Upon further research, Ocwen indicated I had entered into two modification offers, which I never consented to accept ( one was for hurricane relief post hurricane in XX/XX/XXXX and was adamant that I did not want to accept any loan modification as a result of the storm nor any other loan modification agreement as I was continually making my monthly payments. This was ulimately confirmed on Ocwen 's end because they did not have a signed consent nor verbal acceptance of either offer ) After calling them three times to get the unapplied/suspense account ( balance over {$9000.00} ) properly applied to my principal balance, I was then told that all of those payments that were applied brought me current through XX/XX/XXXX! ( Keep in mind, Ocwen accepted all of my payments TO DATE through XX/XX/XXXX! ). I am gravely concerned my payments are not being credited properly and late fees and penalties are being accumulated when they should not be since I am technically current according to my records. OUt of desperation and because honestly Ocwen 's system breaks you down, on XX/XX/XXXX, I received a loan modification agreement dated XX/XX/XXXX, advising my payments had slightly increased. I spoke to an agent to inquire about modification terms, and they advised I was already denied for that loan modification ( I have in hand a loan modification agreement dated on that date, inviting me to enter into the loan modification agreement ). I am frightened and concerned and Ocwen is of no assistance on getting this matter corrected. This is impacting my credit and causing harm to my other responsibilites and above all stressful.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

This company is trying to sue me for debt that I do not have clarification on. It does not show up on my credit report, but based on the paperwork they gave me when being served, this debt is time barred in the state of texas. Therefore, I should not be getting sued for this debt. Since I wrote to the court of my answer to this debt, they have now send emails and letters on debts saying under texas law, etc.
Consumer complaint received 2022-01-08
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. (TX)

XXXX XXXX XXXX is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. XXXX XXXX XX/XX/1980 XXXX
Consumer complaint received 2018-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I have been struggling to pay my private loans with Navient for years, so much so that I filed Chapter XXXX in XXXX to eliminate other debt just so I can pay them, because they are the only company that i've had debt with that wouldn't give me options to repay them and I never want to have them garnish my wages, because they are not flexible with payment options at all. I've been making payments with Navient as far back as XXXX, and even when I was unemployed they still required me to make payments. I have been on repayment plans with them for years, though I couldn't afford it. For the first time in years, I couldn't pay them for two months. I called to see if there were possibly any options and they told me there are not and since I accrued new debt ( based on them viewing my credit score ), a vehicle, that they would not give me any repayment options or lower my payments because the debt I accrued was considered high, so they are not going to offer me any options. In other words, even though I needed a vehicle, I should have got a cheaper loan.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MN)

specialized loan servicing XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, co.XXXX started foreclosure for 4 mo. late payment they charged me foreclosure fees of {$760.00} I have my bank documents showing the payments cleared my acct well before expiration of grace date SLS disagrees and refuses to cancel charges
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

I reached out to Core Logic Credco department specifically and the agent spoke did not allow for me to freeze my consumer profile, she said they dont offer this. I hung up with her and called again Just to confirm and again the said I can not freeze my profile.
Consumer complaint received 2018-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC (CT)

I have had multiple accounts populate on my credit report and have tried contacting all companies and each on is passing me along to the other and is not giving any information on the collection. XXXX XXXX is also report multiple late payments however no bill was ever received and I have no knowledge of missed payments
Consumer complaint received 2018-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (KY)

Westlake financial bought out my loan on my XXXX  i make my payments on time but they call me all through the day and night even on Sunday 's wanting me to give my bank account information so they can automatically withdraw the money I don't trust them so I send a personal check and they keep saying if I don't give my info they are going to report my XXXX  and all payments are current and I have the checks to show it
Consumer complaint received 2020-10-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (LA)

XXXX XXXX  XXXX  account ( checking and savings ) opened by our Mother at Chase Bank, with my sister and I designated as Joint Successor Trustees, in both the Trust documents and her will. The value of the cash assets, at the time of her death XX/XX/XXXX is in the neighborhood of some {$250000.00}. A couple of days before Mom 's death, I brought the Trust documents to my local Chase branch, and they were scanned into Chase 's system and uploaded to their Trust Department. The Trust Department said that Chase can not honor the Trust, and subsequently, Mom 's will with two Successor Trustees. The branch officer filed a complaint with Chase 's Escalated Complaint Department, who said that they can not override Chase policy, but that they could write one check to the Trust? How would that resolve this, when we don't have access to the Trust accounts? In the meantime, my sister found the Deceased Processing Department, which indicated that we should be able to sign signature cards to gain access to the accounts ; and I called Chase 's CEO, spoke to an assistant, who submitted an inquiry and gave me a case number. Trust paperwork, except the Chase Trust Certificate ( which was sprung on us today, and I have no idea what it is ) have been submitted numerous times, the Death Certificate submitted on XX/XX/XXXX. A Letter of Instruction was, today, overnighted to Chase Account XXXX in XXXX XXXX, instructing them to allow my sister and I to sign signature cards at our respective branches.
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NJ)

I have a Bank account with TD Bank and have been loyal to them for many yrs. Back in XX/XX/2018 I had opened a joint account for my wife and was offered a promotion cash card from TD where it would give XXXX cash back whether it be towards statements or rewards along with an XXXX XXXX XXXX. Promotion only applies if card is used at 500 or more within a 90 day window given the promo period. I had asked the rep during our sitdown if this would apply towards balance transfers as I had transferred a balance of 5000 over and she explained it would. After waiting a few months, I had called into TD customer service and explained i have not received my rewards and the rep on the phone explained there was a wait after the 90 days to receive the XXXX XXXX in the mail. I don't recall the specific detail as far as the time frame on the delivery but the there was a window period referenced during conversation. A few more months go by and still have not recevied any reward as promised and asked one of the tellers in the XXXX branch during a visit and explained it would have to be redeemed online. Being upset already, I went online to tdcardservices and did not see anywhere that I could redeem my reward and called in XX/XX/2018 and spoke to the card rewards dept. I explained the situation to the rep on the phone and she had apologized for the inconvience and explained she would speak to a manager in reference to the rewards promo. After a few moments, the same rep explained that the balance transfer does not apply towards the promotion and I would have to speak to the branch manager to help me in this situation. Being very upset at this point that the representative on the phone was unable to help me and giving me the run around and not offered the promotion as promised, I am very upset at this point and filed a complaint and to the point where I may close my account with TD bank account. I do not want to see someone lose a job over a situation like this but if you are providing false information intentionally and not being upfront honest simply for a commission spiff, then that is a company I would not like to do business with.
Consumer complaint received 2018-12-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

I wrote a letter in XX/XX/2018 to Ditech requesting a modification of my mortgage for a few months. In XX/XX/2018 I was approved for interest only payments which I paid. In XXXX I was told that Ditech reversed their decision. I tried calling several times to find out about this change in the decision and asked to speak with a manager. Instead I was only referred to customer service reps. The company provided no last names of employees and has no voicemails. In addition, are these customer service reps qualified to make decisions on these important matters? I then received a refinance package that I did not request. This would would allow Ditech to charge additional fees. I believe this company is a predatory lender. I reported this to the South Dakota Dept. of Labor and Regulation/division of banking. They forwarded my complaint to Ditech but I have heard nothing to date about this matter. I have had my house on the market since XX/XX/2018. My current tenants have not paid rent and I need time to vett new tenants, hence the request for a modification for a few months. Refinancing is not appropriate for me at present but this is the only option that was offered so that more fees can be collected.
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MO)

XXXX XXXX XXXX ( Chase ) has been allowing XXXX XXXX to use my Social Security number to access my account information to pay the bill on my car. This account is under the name of XXXX XXXX and XXXX XXXX but under the Social Security number of XXXX XXXX. XXXX has been using XXXX 's or my name and Social Security number to gain access to the account. He had made a payment and therefore I was not able to make the payment myself or so I was told. Never had that happen before but I let it go for now. Just that XXXX XXXX is using my Social Security number to gain access to my account in this case where else is he using it and what is he using it for?
Consumer complaint received 2021-01-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION (NY)

On XX/XX/XXXX a sworn Affidavit of Truth Was Sent by certified mail in regards to 9 Federally Protected Consumer Violations under 15 USC 1692 Please be advised from sworn Affidavit of truth PenFed Credit Union failed to validate my debt request. In fact there respond is attached below as Exhibit A.In addition to pursuant to The Fair Credit Reporting Act15 USC 1681a ( 2 ) under Exclusions of a Consumer Report 1681a ( 2 ) Except as provided in paragraph 3 the term consumer report does not include -- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. Pursuant to the definitions section of Truth In Lending 15 USC 1602 ( l ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Fact I am aware the card used to initiate this credit transaction was my social security card. Therefore any transaction that arose from this credit card should not be furnished on my Consumer Report. 


Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that PENFED CREDIT UNION is in violation of 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ).

Fact, affiant is aware that PENFED CREDIT UNION did not validate the alleged debt pursuant to 15 USC 1692g and is in violation for failure to validate the alleged debt by my request made on via certified mail XX/XX/XXXX. In fact PENFED CREDIT UNION provided documents in the form of positive statements along with deceptive and misleading forms of information. 


Fact, affiant is aware and has proof in which exhibit A attached PENFED CREDIT UNION is a debt collector under definitions sections of the FDCPA 15 USC 1692. ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.

Fact, affiant is aware and has proof in the attachments labeled as Exhibit A stated that a debt was allegedly owed, in Exhibit B, Exhibit C, Exhibit D, Exhibit E, Exhibit F, and Exhibit G PENFED CREDIT UNION is in violation of 15 USC1692 ( e ) ( 2 ) ( a ) of the amount of alleged debt owed.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

Target Credit is reporting my credit card length and payments incorrect. I have spoken to customer service several times and they still are reporting incorrect status. It is showing on my XXXX that I have only made 56 % payments on time which is outlandish and very incorrect. 

I opened this credit card on XX/XX/2011 but target is not reporting any payments and saying NO DATA on my credit report. They need to fix this as its effecting my credit report and making it go down.

Target needs to fix my payments and show they have been on time instead of no data. This is hurting my score. 

Thank you for all your help, I am trying to purchase a home for my family and need this fixed.
Consumer complaint received 2019-06-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (VA)

I have repeatedly attempted to resolve this issue with this creditor GM financial. This company is well aware that this account is a result of identity theft and continues to collect and report this fraudulent account on my credit report. I have contacted this company, disputed this, contacted the credit bureau numerous times, and this company have repeatedly defamed my character. As of today this account still remains in my credit file even tho Ive advised them of the identity theft and provided documentation. I have provided suspect information. Identified the woman XXXX XXXX in a line up at the police department, sent the police report to the credit bureaus as well as this company GM Financial and this company still is violating the law. In XXXX of 2019 this company sent this fraudulent account to a collection agency still attempting to collect on an identity theft account ... I am reporting this company and filing an official complaint as this company will be held accountable if they continue to report this account in my consumer file ...
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (TX)

Very beginning of XX/XX/XXXXI paid off my Discover credit card, {$2800.00}, while on a mission to improve my credit score in preparation for buying a house. I had held a high balance for a long time but always made my payments while saving to pay off a good chunk. A few weeks laters,XX/XX/XXXXI received a letter stating my credit limit had been changed from {$3000.00} to {$500.00}. This rocked my credit score badly. Dropping me 30 points lower and wiping out my hard earned gains. When I contacted them, they said it was and automatic review based on numbers from my credit score. Which had gone up between 25-50 points due to paying off large portions of my debt. They stated some factors included an account that went to collections. I explained this was a medical bill that I never received. The week I saw the collection on my report, I paid it off in full. This was added to my report around XX/XX/2018and was paid off immediately. I asked the associate if they felt a collection of {$160.00} sounded like a good reason to remove {$2500.00} from a 2.5 year old account with no delinquency. The associate agreed that it did not seem fair but that they couldn't do anything to change the score until the next review. I asked if they could request a review on this and they stated no. My only choice was to initiate an credit line increase which would negatively impact my credit score. Another factor was the age of my credit. Which while still new, 3 years or so, was obviously better than any previous random review as I have not requested any new lines of credit in nearly two years.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (VA)

Recently I looked on my credit report to my surprise. I saw a collection for XXXX, the phone company, in the amount of {$190.00} dollars. The collection agency is Enhance Recovery company. I have not heard from XXXX in over 2 years and as far as I know I did not owe XXXX any money. My bill was paid up. I called XXXX to find out why this accord. They could not tell me anything. They said the number I had given them belong to someone else. Also they could not find my name or any information. I decided to call the Collection Agency I ask them about it I said '', where is the statement about this bill because I never got XXXX. The man on the phone replied ', we got this bill from another collection agency in XXXX and the time to dispute it is over. '' According to him they were the third agency this was handed over to. I am upset because this is on my credit report and I had no knowledge of owing sprint anything. Also no one can tell me why I owe XXXX this money. This is not a good phone company in my opinion as a consumer. I am not the only one who has complained about them. I am waiting for a statement from the collection agency that I never got.
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

Transaction Amount : {$250.00} Date of Occurrence : XX/XX/2021 Description of Incident : I was looking to buy tickets to the Minnesota XXXX XXXX XXXX off of XXXX  using the below link. The link is still active now. I called the man, who went by XXXX. We talked for a while as I used to live in the XXXX area and he was telling me he was there at the time of our conversation. He could speak very well to the details of the area so I knew he had to be there or be from there. He also had a XXXX telephone number. Given the XXXX were playing the XXXX XXXX in Minnesota I didn't think anything of it. He said he would transfer the tickets to me as soon as he received the money. I used Well 's Fargo 's XXXX service to send him the money as we were on the phone together. He then said he needed to receive a code from ticket master, the ticket broker, to send me the tickets. He said they were calling him to give him the code, then hung up and never called back. I called him back numerous times to no avail. I also text him numerous times and he still didn't respond. I have the call and text logs as well. I contacted Wells Fargo and took the complaint process as far as it would go. They told me that since I voluntarily sent him the money that there is nothing they could do. My point is, there is a man using their services to commit crimes by defrauding their customers. And I can provide hard evidence. They have all of his account information and transaction history to take appropriate action to investigate the man and put a stop to him using his Wells Fargo account to defraud people and yet they refuse. This man will continue to defraud people using their services if nothing is done. 

This is the link to the XXXX ad and XXXX 's contact information. 

https : XXXX I have also provided some screen shots showing that i paid for the tickets via XXXX and never received them. Text conversations and phone records can be provided on request.