davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

Have applied for a modification with Ocwen. There is a divorce decree, marital separation agreement and quit claim deed in my name alone. XXXX XXXX. Ocwen is assisting to get financial information from my ex husband who is also on the note. He does not live there. He does not provide any financial support to the household expenses.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TX)

Ive been a member of credit karma since XXXX I tried opening a spending account to switch I received an error stating my identity could not be verified. I called and spoke to several representatives and even a supervisor to no avail. The couldnt even provide me with next steps just kept saying sorry our system cant identify you HOW!!?? when Ive had my account almost 10! Years?? I get daily updates on my credit score. How is that with an unverified indentitt? Hmmmmm??? I was filing thru XXXX XXXX  and tried to verify w them thru credit karma for advance. Still to no avail. No one seems to know what to do or whom to escalate to!! I requested my entire membership be cancelled!!! I may re join of the company makes this right? thinking about attaining an attorney because what the XXXX is credit karma doing with my personal info!??!
Consumer complaint received 2024-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CA)

- I opened a bank account with Laurel Road Bank - After months of having only small deposits, I made a larger XXXX  deposit of XXXX XXXXXXXX on XX/XX/XXXX. 
- I XXXX  Laurel Road and found a litany of complaints on XXXX from users saying Laurel Road suddenly froze/canceled their account but did not return their money, or at that point, they had not received their funds returned. 
- On XX/XX/XXXX, I received a letter from Laurel Road stating they were " ending their relationship with me '' although there were no clear examples of why. 
- On XX/XX/XXXX I called their Customer Service, speaking to XXXX, about my case. I was told my account had been closed by them, and funds would be dispersed back to the original bank, but she could not give me a time frame, only that it wouldn't be " months or years. '' I asked for a copy of my transactions and was told she could not provide me that. I asked for my account number and she told me she could not provide that over the phone ( but they don't have brick and mortar locations ). I was told my originating bank could send an " ACH Return Letter '' to them to speed up the process, and that there was no other information I needed to include on the letter. 
- On XX/XX/XXXX I spoke with my originating, long-time bank, XXXX. They said they'd never heard of such letters, but did try to help me by attempting to dispute the transaction. 

Something is happening at XXXX XXXX, owned by Key Bank. Please look into this and help us get our money back! There are many others on XXXX saying they experienced the same thing with Laurel Road : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CT)

When I purchased a car, the dealer informed me that the installment will be automatically debited on XXXX from my account by Westlake Financial. However, my checking account has not been charged. The lender 's Westlake Financial customer service contacted me on XXXX and I was told that the first payment had to be collected over the phone. So I gave my account number again. And again the first instalment was not charged, as it was explained to me, with next call on XXXX, the account number was written incorrectly, and also the first instalment must be paid by card. And again customer service contact me that they have to cancel instalment payed by card, only has to be made over the phone by checking account. My checking account finally was charged for two instalments on day XXXX. 
In mean time my loan contract was canceled, which nobody notify me. last one consultant, who charged my account already knows, that my contract was cancel, despite this two instalments was charged.

Car dealer contact me and he told me what is exact real situation. Dealer said, that lender sent him a letter on XXXX that my contract is denied. 
So many times I try talk to customer service XXXX, however they are hang up on me. I've sent an email, however lender didn't respond.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/24 an auto payment debit was attempted on my checking out for two separate loans from the same lender XXXX  from my Navy Federal Checking Account. That checking account had non-sufficient funds. This occurred by my mistake forgetting to change my auto pay, I find Navy Federal Credit Unions duplicate fee in the same day to be predatory and causes a hardship on the member. They have previously had a class action because of their behaviors around their fee. CFPB previously acknowledges that fee range usually as high as {$19.00}. However Navy Federal charged me {$29.00} twice. They circumvented this by putting the fee on two separate days while the transactions occurred on the same days
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2020-05-16
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was shocked when I reviewed my credit report and found late payment on my credit report I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2016-03-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I continue to be overcharged on my monthly payment by {$27.00}. Rep states they need the XXXX County Appraisal Districts Affidavit, which I have filled out and have had notarized, then mailed to them via certified mail four times since XXXX, 2016. 
Then, my next statement shows the {$27.00} overcharge again. I was told each previous time that the charge would be reversed and a credit to my account would appear. Never happens. I have spoken with multiple supervisors and have gotten nowhere. These people have no regard or respect for their customers time as I sit on hold over and over again, spending 30 minutes or more just to speak to one person, then get transferred multiple times, starting the process all over. Today, after 45 minutes just to get to a " supervisor '', this " supervisor '' hung up on me. This is the WORST company I have ever dealt with and I will never buy or lease another car from them. Very unprofessional and the worst customer service ever. If I have a signed contract, they can not continually overcharge my account.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (HI)

I have several inquiries on my XXXX and XXXX and experian report that we made fraudulently. I called them to have it removed but they are not helping me at all. 

I want the inquiries removed please they all are not correct.
Consumer complaint received 2021-11-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (DE)

On XX/XX/XXXX I received a notification from XXXX XXXX monitoring that a collection account was placed on my credit report. The collection account states National Recovery Agency placed a collection account on my credit report referencing that I owe them {$160.00}. I have never received any written notice stating I owe a debt or allowing me to exercise my consumer rights to ask for validation of the debt that is claimed that I owe. These practices are deceptive and violate my rights. Under the law a collection agency is required to contact a consumer in writing about an alleged debt and provide the consumer with the write to challenge the debt which would provide me with the name of the creditor, a statement that unless states I have XXXX  days to dispute the debt before the agency will assume the debt is valid. This company fraudulently placed this collection on my credit reports that is not owed by my person. I am asking this company to DELETE this collection account immediately because my rights were violated. Please provide me with Validation of this debt as well as : 1.an affidavit from the original creditor that allows you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges and a list of charges that total the amount claim 4. Proof that the statute of limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 5. Show me that you are licensed to collect in my state and your license numbers and REGISTERED agent information. 
Your offices have reported inaccurate information to my credit report and I am ready and willing to bring legal action if this is not deleted immediately.
Consumer complaint received 2021-10-06
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: TRUIST FINANCIAL CORPORATION (MD)

BB & T is reporting to credit bureaus a mortgage with a balance of {$240000.00} and monthly payment of {$2500.00} that is not a mortgage obligation of mine. XXXX  XXXX XXXX  BB & T branch employee referred me on XX/XX/XXXX to the BB & T Mortgage Division. On XX/XX/XXXX the Mortgage Division referred me to the Fraud Department online support at XXXX  and I emailed the online support. On XX/XX/XXXX online support replied with direction to visit the local branch for assistance. On XX/XX/XXXX I visited the branch and was told by the branch rep that he would attempt to resolve the issue. After repeated attempts to subsequently reach the branch rep he contacted me on XX/XX/XXXX and verbally acknowledged the mortgage is not mine but directed me to the Mortgage Division. The Mortgage Division on XX/XX/XXXX informed me they can not confirm in writing because her division is working from home. She recommended I complete a BB & T mortgage release research form for the mortgage that is fraudulently reported in my name. I can not complete the form because the loan is not mine.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION (GA)

NFCU has been reporting and billing me for loans and credit card repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX This is not mine. 

XXXX XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectXXXX XXXX - Incorrect XXXX
Consumer complaint received 2017-02-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I was served a summons for foreclosure from my mortgage company on or about XXXX XXXX, XXXX. I was never sent any notice prior to recieving this summons. This violates XXXX XXXX the Fair Foreclosure Act which requires a creditor to notify in writting 30 days prior to filing for foreclosure relief. It must include a list of financial resources that may help the debtor. No such document was ever sent, certified mail or any other source. I recieved a modification Executed XXXX XXXX, XXXX. After it was executed, i recieved an interest change statement that lowers my interest rate consiiderably. The creditor failed to adhere to this. The statement referebced XXXX XXXX guidelines. XXXX XXXX doe n't own the loan. XXXX does n't own the loan. I was never told what type of loan it was. I asked every two months to have a forebearance, they told me they do n't offer that. If they would have after XXXX or 4 months, i would n't be here. They volated several federal and state laws. They never had their signature notarized or witnessed where it states on the modification it must be witnessed and notarized
Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc. (FL)

This debt is from my apartment community and is invalid. I had discussed this " debt " with management in which they informed me my damage deposit would be used to re paint XXXX walls. My community is charging me {$380.00} to paint XXXX walls when I was told that it was ok to paint, and that they would cover the cost from my XXXX of dollars damage deposit that I left. This is a falsified debt that is forged in an attempt to make more money. This apartment community is unfair. I have the original invoice for the paint job they did to repait the walls and it was no where near {$380.00} it was significantly less.
Consumer complaint received 2024-01-19
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: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I have a mortgage account # XXXX that was orinated with MB Financial in XX/XX/XXXX and sold to Fifth Third Bank. I filed bankruptcy but have retained my home and maintained all payments of my home at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. I requested to Fifth Third and MB Financial to report my mortgage payments and the actual mortgage to the credit bureau. 

This has not been reported since my bankruptcy was filed in XXXX. I am requesting the full 6 year history to be reported to the credit bureaus to reflect that I still have a mortgage and it is currently being paid. 

Thank you.
Consumer complaint received 2024-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION (GA)

My mother passed away and the she had a heloc with SunTrust now truist but the XXXX was not valid and I suspect that they had insurance on the non validated loan which they received XXXX then they actually created false account numbers that was litterly only in the company 's back door computer systems which used to have me paying on a non validated debt that I did not create and that they had already received XXXX on I paid on this false debt that I XXXX XXXX XXXX did not create from XX/XX/year> to current date and I will be filing a lawsuit against SunTrust now truist
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UMPQUA HOLDINGS CORPORATION (CA)

My bank assisted a fraud against me. I went to my bank with a check from a new customer. I told the teller, XXXX, I do n't want anything to do with the money written on this check until it clears their bank. She said, '' Ok. It should clear in 24 hrs. '' I left the bank and returned 3 days later. XXXX was my teller again and she said to me, " The check has cleared. You can withdraw the funds. '' And I did. Two weeks later I went to the bank for another transaction. XXXX saw me and came over upset and said, '' That check you gave me a couple of weeks ago, it was a bad check. '' I reminded her that she assured me it had cleared their bank. She said, '' I know, but I did n't key it in. I should have keyed it in. I 'm sorry. You need to give the money back. '' I was very upset and told her it was gone. I trusted her to tell me the truth that it cleared their bank. I walked out. I wrote letters to the XXXX and to the bank to no avail. This was all recorded on their cameras. Then, I was told I had an unpaid debt on my credit report. When I looked at my credit reports the bank has reported it as an overdraft oper (? ). I disputed it with the credit report agencies and told them how I was deceived by the bank teller into believing the check had cleared and how XXXX had admitted she did n't follow procedure, but they wo n't remove it. It is marked as dispute and that 's all.
Consumer complaint received 2024-01-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (OH)

I moved in XX/XX/XXXX so from XXXX I was on a month to month lease and the lease was not in affect until XX/XX/XXXX! I never terminated the lease because it never started! On XX/XX/XXXX I called and stated I could not afford to stay there anymore prior to the lease going into effect which the lease was for XX/XX/XXXX I moved out and forfeited my security deposit of {$1000.00}. There were no damages and a few things left to be cleaned out which should have been covered by my forfeited security deposit. The property XXXX XXXX threatened that my credit would be affected even though I paid a prorated amount of {$380.00} and moved out before the next payment was due. There should be no reason I owe anything. I checked my credit today and seen a collection balance of {$2700.00} for XXXX XXXX XXXX. I contacted her to tell her that I cant live there anymore! They cant just charge me money that I do not owe. I packed everything I could along with my XXXX children INSIDE A VAN and left! I could not obtain steady employment and I communicated this with her and she told me the owner isnt going to like this and is going to find something to charge me with. That is exactly what they did! This is a violation of FCRA!
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My bank statements were changed somehow to be received online rather than paper. 
When I call Bank of America they said it was an internal error. 
I have opened a dispute since the incident happened in XXXX of XXXX. 

I have had this account opened since XXXX of XXXX and never paid late. 
I take pride in making on time payments. 

I am hoping we can reverse this error because it cause my XXXX XXXX to drop significantly. After my dispute they said they were not able to change the history. 

I feel I should not be penalized for their systems error.