davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

My mortgage note shows that my payment is due on thXXXX XXXX & I have 15 day grace period which gives me until the XXXX of the month to make a payment. XXXX c/o PHH Mortgage Services XXXX XXXX XXXXXXXX XXXX  XXXX NJ XXXX XXXX ; email : XXXX ; fax : XXXX sent me a statement dated XX/XX/XXXX & charged {$20.00} in late fee. In addition, I do not have an escrow account. XXXX is illegally trying to form one. I pay my own insurance with Foremost & my own taxes. In addition, XXXX initial mortgage with Fremont Loan in XX/XX/XXXX ended in XX/XX/XXXX. I had 2 loan modification which reduced the balance significantly. The XXXX the balance was reduced fr {$310000.00} to {$220000.00} after it transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX At-a-glance Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX who then transferred after the loan modification to XXXX XXXX XXXX, XXXX now known as Ocwen Financial Services Debt Collector License XXXX XXXX XXXX Mortgage Lender License No : XXXX XXXX No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Docket No. XXXX : has engaged in, or is engaging in, residential mortgage loan servicing practices which violate XXXX and XXXX laws and fails to meet the requirements in MA. As a result was forced out of the business. Latest settlement is XX/XX/XXXX : XXXX XXXX XXXXXXXX. The XXXX was modified with Ocwen who failed to apply my payments to my account so that I wouldnt get the next 2 allotments total {$110000.00}. During the time of fighting for the next two deductions from my mortgage, I was charged interest & late fees which were never credited. If MA gov fought for their residents, what is NJ doing for its residence? Failure to provide loan documentation from XXXX XXXX. Fail to post payments in a timely manner even when made on XXXX website before the deadline!!! 
Last payment on their website site : Pd PHH MORTGAGE SERVICES  Loan Payment complete! Confirmation Number : XXXX Nice work! Your payment of {$420.00} scheduled for XX/XX/XXXX has been submitted.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

It is a claim for my PayPal account : XXXX I called the seller numerous times the week before the alleged delivery date because XXXX had never attempted to deliver my package and each time attributed the unsuccessful delivery to a different absurd reason. I took off of work that week to be physically present in my apartment to receive the package as well. 

I filed my claim on XX/XX/year> and the seller responded a week after. 
However, it took whoever from PayPal that was assigned to my case more than 1 month to investigate this case. Meanwhile, I called PayPal multiple times for updates. During one of the calls I had, the Investigation/Resolution associate told me that the seller responded to them with the same tracking number and info as I provided in my XXXX-page pleading and nothing more. Further, the associate informed me that they are waiting longer because PayPal wants to see if the package moves after 30 days had passed. ( Because the tracking showed that the packaged was still at the XXXX XXXX ). 

Now, whoever from PayPal was assigned to my case closed the case with a reason that a signature was provided. In my pleading, I made it very clear that the package required my signature ( the receiver ) and I never ever signed anything that week from XXXX. I also stated that if a false signature was given by someone else, then it is FORGERY- a federal crime. Moreover, the alleged delivery location was not even the same as mine. The PayPal employee clearly couldn't even bother to read my detailed pleadings which detailed all the material facts and all the discrepancies with XXXX. This is absolutely absurd! If PayPal wants to facilitate XXXX 's foul play, then PayPal has evidently implicated itself into this case as an accomplice. I can not believe that PayPal 's Consumer Protection was nothing but a sham to elicit consumers like me to consistently use their service. Once there is a problem, they could not even do their due diligence to follow through their promises.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (TN)

I received XXXX letters from Truist Bank ( I've never done business with them ) saying that they suspected someone opened an account with some or all of my information. The XXXX letter said that I reached out to them regarding identity theft ( I didn't ). So I called them and also checked my credit report. Turns out, someone opened XXXX credit cards and a checking account using my social security number and amassed {$18000.00} worth of debt starting in XXXX of 2023. I have put freezes on my credit, reported fraud, etc. The bank has been very difficult to communicate with. I have seen XXXX of my credit reports but am waiting for the other XXXX to come in the mail.
Consumer complaint received 2023-03-27
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: JPMORGAN CHASE & CO. (MA)

I received a call from a company Providian bank for outstanding balance of {$3800.00} on XX/XX/XXXX. 

I called them immediately and told them that i was going to contest it i had my Lawyer at the time XXXX  : XXXX. and then i emailed it to them sent me a copy i also contacted for me lawyer and i will be seeing a lawyer on this week. I also made a police report i also told the post office back in XXXX about mail fraud. I also moved to this location on XX/XX/XXXX and i received a letter that i sent to the postmaster General i emailed it to XXXX i lost XXXX govt checks then social security and my daughters XXXX XXXX this month also i lost mail i also made a police report. the other day for identity fraud.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (CA)

KIA Finance America and Adminstration and third parties collection companies out of the XXXX of California have been harassing me on a debt that I am not liable for. 
I respectfully leased a XXXX Kia XXXX on XX/XX/XXXX at KIA XXXX, CA during the Covid 19 Pandemic. 
Around XX/XX/XXXX I went XXXX KIA to trade in the XXXX leased KIA XXXX for another KIA vehicle. XXXX XXXX XXXX, the General Manager refused to accept my request for a trade in. The sale of a XXXX KIA Soul was approved by KIA Finance America.

The XXXX KIA XXXX was returned to KIA Finance America and the XXXX KIA Soul was involved in a serious car accident wherein a big truck collided with my KIA Soul causing the car to be totaled. 
I therefore did not have any of the vehicles in my possession and have been receiving messages and threatening letters from KIA Finance America and Third Party Collections Companies. They are trying to collect debts of $ XXXX am going through much economic hardship and struggle to earn income as a XXXX and XXXX rideshare driver. This rideshare driving work is very competitive, tiring and dangerous but I have to support my XXXX son and daughter in college. 
I do not have any Attorney/s to support me with the unlawful collections by KIA Finance America and Administration . The legal letter that is enclosed was written by a XXXX XXXX Attorney as I am a member of XXXX XXXX 
I am NOT represented by any Attorney or any other legal Counsel. 
In conclusion, I am a struggling XXXX and XXXX driver working very longs dangerous hours to support my family. I need help by ceasing all collection calls and to remove all derogatory remarks on my credit report such as XXXX XXXX, XXXX and XXXX. 

ACCOUNT Nos : XXXX ) XXXX KIA SOUL # XXXX XXXX ) XXXX KIA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX phone # XXXX Website : XXXX Reference # XXXX ( PIN : XXXX ) ( HYUNDAI CAPITAL AMERICA for KIA XXXX XXXX ) This is a fraud collection because I never purchased any Hyundai Vehicle .
Consumer complaint received 2024-03-11
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: DISCOVER BANK (CA)

XX/XX/22 I Opted-out third party reporting & Credit Reporting Updates XXXX XXXX XXXX and XXXX refuse XXXX update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Purchased scarf from XXXX for {$4700.00}. Returned XXXX. Never received refund. Please see additional details below : {$4700.00} XXXXXXXX XXXX Return Order of events with approximate dates : XXXX XXXX XXXX  - XXXX  was ordered from XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX account was charged XX/XX/XXXXXXXX XXXX XXXX XXXX - A return request was submitted prior to delivery XXXX XXXX XXXX - XXXX  was delivered to home XXXX XXXX XXXX - XXXX  was requested for return and dropped off at XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX I spoke with a USAA representative that instructed me to provide and include the following : I have confirmed with XXXX and XXXX XXXX the seller gave a false bar code to track the package. 
I have attached possible receipts to the XXXX drop off of this item. ( I'm unable to confirm which receipt belong to which item ) I have attached screenshots of what I'm seeing on XXXX 's website under this item
Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Hello, I began the loan modification process after the COVID 19 forbearance and had all of my documents submitted to Lakeview Loan Servicing  ( XXXX ) by XX/XX/2021. They sent notification that our file was complete and was assigned to an underwriter on XX/XX/2021, stating that they would have a decision on our account within 30 days. Today, XX/XX/2021, I am STILL waiting to hear ANYTHING. It's been in this same status now for 75 days. I call and email them frequently and have gotten nowhere. They either just say they are working on it but have no further information nor have an estimated date of completion. When I email, I simply receive no response. Whenever I ask for a manager, I get sent to a generic voicemail box that asks for an extension ( which I don't have, nor have they given me ) or I leave a message and nobody ever calls me back. I'm trying my hardest to get this loan current so I can make a payment. My husband moved to XXXX  from XXXX XXXX  State for work during the pandemic. Now we are trying to purchase a home in XXXX but can't procure a mortgage while this loan is still in this status. We need this loan modification to be completed so we can make three trial payments and at that point, underwriting on our new XXXX  mortgage will proceed with our loan. Until then, we are unable to move forward with anything. We've placed a non refundable deposit on the new home and are fearing losing that money while XXXX drags their feet completing this loan modification. I don't understand how this is taking so long when we are TRYING TO PAY. Please please please, any help you can provide is so appreciated. I want this to be over so we can move forward in life. This has been exceptionally stressful.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount Recovery Systems, L.P. (FL)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : PARAMOUNT RECOVERY SYSTM Account number : XXXX
Consumer complaint received 2020-03-02
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: EQUIFAX, INC. (FL)

This is unbeleivable how do these people learn how to scam and steal people identity to open fraudulent Accounts I did not Authorized these account. this is fraud please shut down these Accounts also I would like to put a fraud alert on my files thank you
Consumer complaint received 2024-02-12
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. (NJ)

I am writing to follow up on my dispute regarding the discrepancies reported on my credit report. After a thorough review of the information provided, it has become increasingly clear that there are numerous inaccuracies and unverified entries that are adversely affecting my credit score.
Consumer complaint received 2023-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp. (OK)

I was told by the company, Stellantis Financial Companies, after I had them finance the car after 8 months that they had a 10 day grace period and that would give me additional time after due date. what they did not tell me is that it would still be late for those 10 days and that they would charge a large enterest fee for those 10 days. If they had told me up front about this I would not have done buisness with them. I would not recomend them and when I get a chance I will get refinancing. I am filing this because I do not want other customers to go through this. Thank You.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

One of my reports shows 2 late payments. The cc company had no problem since I was in the hospital for 4 months. 2 months show up on the report as delinwuent. This has affected my score. They have now even looked into it yet after approx. 3-4 months. I have followed up and still no results. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

I.C Systems I have sent more than one letter to this company asking them to 1- Stop contacting me 2- to remove their reporting off my credit report as I have asked to be Opt-out Of their reporting. in15 US Code 6802. Obligations with respect to disclosures of personal information I have also stated that they have obtained my personal information and is reporting it to my credit file which I have Not given them permission to do so. This Account was REMOVED from my credit file 3-4years ago and now it has been placed back on my credit file Wrongfully. I Have also put in more than one dispute with this company. This company has a collection on my account that is not my own debt. I have asked this company to provide proof of such debt Not an Invoice but a copy of contract with both parties wet ink signatures stating I ( XXXX XXXX ) agreed to the amount in question and such documents can not be provided. I wish this debt to be removed immediately, I am also requesting to be compensated for this inconvenience this has caused me and affected my credit file. The fact that my written letters were being ignored, and that I have asked to be opt-out, also this company was removed for wrongful reporting in the past but decided to report again. I also want this company to NEVER report every again to my credit profile, I want to be Opt-Out For life from them reporting to Any credit profile of mine.
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

The problem started in XXXX of XXXX. Bank of America offered ( via promotional checks ) " No Payment, No Interest '' terms on my credit cards, but repeatedly charged interest during that period even though payments were made on time. 

I had to call at least XXXX different times ( spending on avg 1 hr for each call ) to get interest that was inaccurately charged to my account removed. 

The matter was escalated to XXXX different managers, each promising a quick resolution & no further errors in processing the interest on the statements, however as of XXXX XXXX XXXX, the issue remains unresolved & I have been once again charged interest, even though I am within the promotional period & have been making my payments on time.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Adverse Action was taken against the consumer. 

I the consumer and natural person was denied credit by XXXX XXXX XXXX when I applied for a Auto laon for extension of credit.. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX  Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 The inquiries listed above were obtained without my knowledge or consent. I am requesting Transunion remove them from my credit report immediately. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX
Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CT)

We received covid relief which lender applied XXXX to our mortgage on XX/XX/2021, they applied XXXX towards escrow and XXXX to principal. Their was no application for the balance of XXXX From the deferment of XX/XX/2021. 
They added additional XXXX on XX/XX/2021 to the deferred principal stating they applied it to XXXX payment. There was no application or payment applied. 
They shorted XXXX in applications from deferred principal
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

This account is involved in litigation.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

This account has already been removed from my XXXX  and XXXX  credit reports.
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery continues to call spoofing different numbers to reach. I personally warn them to stop calling and yet they continue to call. 

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