davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-18
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I initiated contact with the lender to set-up a payment. My account is past due b/c I lost my job, and am unable to make a payment. When I contacted them, I attempted to set-up a payment for Tuesday, XXXX XXXX, 2015, when my unemployment benefits are made available to my account. 

She began harassing me - asking me for the balance of my checking account ; asking me how my account has {$0.00} available instead of a negative balance ; then telling me that i 'm giving her orders. 

Despite my attempts to set-up something to make good on the loan, I was unable to speak with someone who would work to resolve this issue with me. 

I believe harrassment of this type with borrowers is unfair, and that when borrowers who are trying to fulfill their obligations, despite their unfortunate circumstances, should not be subjected to this kind of bashing.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Equifax nor XXXX did not send me the proof that I requested on several inaccurate, erroneous accounts that are being reported on my credit. I feel as though they are refusing to help me with the issues I am having with specific creditors and collection agencies. I have sent them multiple letters and request to no avail. I feel as though I am being discriminated against and would like to have both credit bureaus investigated for not providing me proper documentation.
Consumer complaint received 2015-06-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NJ)

XXXX XXXX XXXX XXXX XXXX and American Education Services ask for XXXX payment for multiple student loans. I missed a few payments in the past, but they reported to my collection agency that I missed a payment on every single government loan. If they ask for XXXX payment per month, it should only report to credit bureaus that you missed XXXX payment, not multiple. Though all of my students loans are paid to date, this is killing my credit score and preventing me from obtaining a mortgage. This has happened to thousands people and their credit scores and it needs to be addressed.
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (IL)

I went to Sears XXXX in XXXX 2013 to get XXXX for my son. They said if I put the amount due XXXX {$3400.00} XXXX on my Sears Card it would be interest free for two years. I already had a balance on my Sears Card, and I was making monthly payments. I just received my Sears Statement today and while the balance was {$4900.00} last month, it is now {$7100.00}. A charge of {$2300.00} representing interest was charged to the account. If the original amount for the service is {$3400.00}, how do you get {$2300.00} in interest after two years? This does not make sense.That is a 69 % interest rate. Is that legal?
Consumer complaint received 2015-06-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (UT)

The company continues to call me and leave messages. When I answer it 's only a recording of very unspecific nature trying to get me to call them. I have excellent credit and nothing outstanding on my credit report so I know they are not trying to collect a debt from me. At this point I feel like it is harassment. Several calls a day is too much and answering their calls does nothing because there is no person to talk to just a recording. I am not going to call some number and take the risk of having to pay international fees like so many scams out there. I need to be removed from their call list.
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX and XX/XX/XXXX somebody was using my social security number. I use to have XXXX negative accounts, and I disputed all accounts and my fico score use to be XXXX with Experian and now I have XXXX negative accounts with Experian and my fico score is XXXX. And I want your help to bring my fico score higher. Also, I was a victim of identity theft. And this year I bought a house and my fico score with XXXX credit vural, and my fico score is XXXX. XXXX credit vural is XXXX, and with Experian credit vural is still very low at XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

I get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( HSBC ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( XXXX XXXX XXXX ) so i called them and told them and they said that it was sold to another company ( XXXX XXXX XXXX ) but refuse to give me any other details i ask why i was not sent a letter or invoice and he stated that if i paid my debts things like this would not happen, So then I called the XXXX XXXX 4 times and left a message but get no return callXXXX XXXX is the one that reported it to all three credit reporting agents, i want proof of this debt
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I asked a credit card company for copies of my application and they were unable to provide them I presented this to Experian and asked that they remove the inaccurate information or at least request proof from the creditor They stated that they are not required to request proof and they do not require that the creditor submit proof that there word is all they need
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

INTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX Name/Firm/Company : ocwen loan servicing Subject/Category : mortgage modification process Street Address : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, FL XXXX XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Questions/Comments : My family and I are experiencing a financial hardship. I have been trying to process a modification application for the last 6 months and ocwen has made it impossible. 
Ocwen has refused to process my application. Ocwen continually looses documents that my wife and I submit to them for the application process. 
Then when I verify that they have received the documents, they ( ocwen ) will switch my process application to a different account manager who has to start the process all over again. Again this has continually been going on for 6 months. 
This hardship is due to loss of employment as I had to take an early retirement which resulted in a loss of substantial income. 

The desired outcome is to have ocwen financial services process a mortgage loan modification plan which would substantially help our family through this financial hardship
Consumer complaint received 2015-10-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America is changing the account 'type ' that I originally signed up for and the resulting fees are significant. With little notice, BofA is requiring a balance of {$2500.00} for me to maintain my account 'level ' which came with essentially free access to the bank and free checks. Now they intend charge {$25.00} each month for me to maintain that account at BofA. Also, the line of credit linked to my account will assess a fee of {$10.00} per transfer. This was previously free. These new fees are unacceptable and I do not think it is fair or legal for them to force me to downgrade my account and limit my access to the bank and my money. 
By analogy, this is like buying a new car from XXXX with power windows a few years ago and then hearing from them today that they want to remove the power windows 'benefit ' from my car. If not, they will charge me {$10.00} or {$25.00} each time I want to use the power windows unless I buy a new 'plan ' for {$2500.00}. 
By comparison, the other banks ( and credit unions ) I have funds with are not charging fees for this access to my money nor requiring minimum balances or 'direct deposits ' so I question the legality of the new requirements and fee structures. At a minimum it is poor customer relations not good business. 
My attempts to resolve this with BofA have been rather time consuming and somewhat fruitless.
Consumer complaint received 2015-09-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Solidus Group LLC. (OH)

I received a call from XXXX and let it go to voicemail, as I did not recognize the number. The prerecorded message stated that I had an issue in their pre-legal department and that I could be taken to court if I did not place a statement on file. They did not state that they were a debt collector, not did they leave my name in the message so that I could verify that the message was for me. The message stated that I should have XXXX and reference a file number, which they did not include in the message.
Consumer complaint received 2015-10-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo is attempting to sale my home without a legal right to do so. According to the Deed of Trust executed on XX/XX/XXXX and recorded on XX/XX/XXXX in XXXX County ; XXXX, XXXX, solely as a nominee for None Stated dated XX/XX/XXXX and recorded XX/XX/XXXX inthe Official Record Book of the public records of XXXX County, VAgiven to secure the original principal sum of {$700000.00}. XXXX transferred the rights to my property XX/XX/XXXX without notifying me and additional as a number of legal actions have shown, XXXX could not hold the property in the first place. XXXX and Wells Fargo colluded to steel my property. XXXX held my property for over eight years before transferring it to Wells Fargo
Consumer complaint received 2015-06-18
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (FL)

The debt company has been calling me for the last few weeks. So on XX/XX/XXXX at XXXX I called the number ( XXXX ) and they are telling me that in XX/XX/XXXX XXXX there was a payday loan taken out in my name. They had my bank name but not the right acct. number and my S.S. #. They would not tell me who singed for the loan or how much it was for. I have never taken out a payday loan. I would like to get this resolved as soon as possible.
Consumer complaint received 2015-10-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

In XX/XX/XXXX Rushmore Loan Management of XXXX, Ca. purchased my FHA/HUD loan from XXXX XXXX XXXX. I was in active Bankruptcy Chapter XXXX at time of their purchase. I received notice from them they had bought the note. I began at that point paying mortgage payments to Rushmore beginning in XX/XX/XXXX as they requested. Little did I homeowner know, Rushmore lending intent was to show all payments made tothem under a " Property Preservation '' account which puts homeowner payments towards their regular mortgage in limbo, and creates an account summary favorable to foreclosurefor their purposes of acquisition and sale without current homeowner being made aware of this " Predatory Lending tactic ''. My home has no court order allowing XXXX XXXX XXXX any Foreclosure status in their sale of note to Rushmore Loan Management. Now all payments made to them by me are in a default status of mortgage loan payments I have been making since XX/XX/XXXX. This deceptive Predatory lending tactic should be exposed within the Mortgage lending community as a whole, and considered illegal business practice. Rushmore has no right to change my FHA/HUD home mortgage purchase toa Property Preservation account without court ordered foreclosure, property was never foreclosed on by Texas courts allowing such actions by Rushmore Loan Management.
Consumer complaint received 2015-04-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (OH)

This company calls me continuously, but more problematically : they make you fill out an inquiry form with your bank account and social security number when you call them back before they will even disclose whether or not they are calling for you! I refused, because the debt they have been continuously calling me about is not even mine, but belonged to the person who had my phone number previously. They call on weekend mornings, and while I 'm at work. I just think its sketchy that they would ask for such private info.
Consumer complaint received 2015-10-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I wanted to make a payment in advance to my mortgage with Bank of America. I could not find any clear direction on the website to complete this. I have had issues in the past with additional payments being credited to the principle of the loan rather than as advance payments as agreed. 

I called the customer service number. I was directed to give reason why I wanted to pay in advance in a letter to the " pay in advance '' department.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

Equifax continues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i want them removed from my credit report. I 've asked Equifax to remove the payments from my credit report but all they do is tell me that the information is correct and they continue to report it.
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I bought my house in XXXX 2005. I bought it for {$520000.00}. I only had a little over {$50000.00} for a down payment, so I had to get XXXX mortgages. The XXXX was an interest only loan. The terms as they were explained to me at the time were that I would have to pay interest only for 10 years. After the 10 year period was concluded, I was told that I would be paying interest and principal. I was never told that the principal payment would be in addition to what I was already paying. My mortgage was sold 3 months prior to the 10 year period conclusion. A couple of months before the 10 year period, I was advised by the new mortgage holder that my payments would be changing and that I would be paying interest as well as principal. The wording of the notice made me worry that the payment amount would change, so I called the company, and a customer service representative explained to me that I would not be paying more, but that now part of my payment would be going to paying off the principal. While I waited, he roughly figured an approximate amount that would go towards paying down the principal. I was relieved and waited until the first payment where this would take effect. When that day came, I received a bill that raised my monthly payment by nearly {$1000.00}. I sent the company an e-mail, which took XXXX weeks to be replied to, in the form of a letter. They stated that all was in order per my original loan 's terms and even sent me a copy of a document signed by me 10 years earlier, which actually stated that my mortgage would " not '' go up after the 10 year period, but would in fact, slightly decline ( from {$2000.00} down to {$1900.00} ). I have attached the first page of that document, which clearly says this. Subsequently, I read up on Interest Only Loans and found that they typically call for an increase in the payment after the interest only period is over, but this was never explained to me, and the document I signed certainly did not say this. One other point, I was also never told that my loan was an ARM. I found this out a few years later when the original company, ( XXXX XXXX XXXX ) finally obtained a website and I saw on their site, what kind of loan I had. Can you help me?
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I disputed XXXX accounts as inaccurate/incomplete with specificity as to what wasinaccurate/ incomplete.on XX/XX/XXXX the investigation was completed with '' new information '' ( documents XXXX & XXXX ) .Both accounts are delinquent charge-offs and do not supply the basic '' date of first delinquency '', as required by FCRA.BOTH do not include the amount of lastpayment and other incomplete inaccurate info. ( documents XXXX XXXX ) .The creditors do not specify these items to completely report because it would then be calculable that both creditors charged penalty fees in excess of those allowable by the XX/XX/XXXX CREDIT CARD ACTwhich was fully implemented just prior to the opening of both accounts.I believe both creditors do not want to be paid ... ..because in writing off excessive illegal fees they make more moneythan if I would pay only the charges allowed by law ... ..so they earn more defrauding the tax authorities and the public.TRANSUNION should have deleted both accounts but they do notbecause the creditors are their customers and pay them to collude.TRANSUNION ISNOT ALLOWED TO REPORT INCOMPLETE /INACCURATE INFORMATION afterinvestigation, especially obvious, on the face of the record items.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.
Consumer complaint received 2015-11-29
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NJ)

I used my Macy 's card to make purchases over the past few months. When I went to pay my bills a couple months later, I noticed that I never made a payment to Macy 's. When I called Macy 's, I was immediately connected with the collection department, who notified me that I never paid bills, had accrued late fees and was reported to the credit bureaus as delinquent. Furious, I demanded an explanation as to why I was not contacted before they took the latter step. They claimed they called and sent me online statements. They had my phone number correct, and could not verify my email address. However, they claimed I had authorized online statements, which is the reason they gave for me not receiving a bill. But, you ca n't verify an email address for that? Sounds fishy ... Nonetheless, I do n't recall making the paperless billing authorization ; it was most likely in some fine print that I missed, if what they claimed is true. Still, they never reached out by phone, and they were able to verify they had the correct telephone number. They also never reached out by mail ; the address is correct since they sent me a new credit card to that address. I requested they remove the late fees from the account and remove my delinquent status from the credit bureaus. They removed the late fee, but said they could not remove the delinquent status. I paid the account in full and closed the account. I pay my bills on time, when I get the bills! Consumers should not be reported to a credit bureau as delinquent until an attempt is made BY MAIL and BY PHONE to contact them. Neither option was used. Is that even legal? It should be, especially in the world of 'paperless billing! '
Consumer complaint received 2015-10-24
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (OR)

There is no debt. They refused to send documentation, were argumentative on the phone, presented an option to settle, and said they sent an email that i was expecting but never received. after further research I discovered that this number is fraudulent.The number is XXXX
Consumer complaint received 2015-10-26
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (IL)

It has been 14 days since I did a load at XXXX through XXXX to my Rushcard and still no reflection to my account balance I have called company everyday only to get either hung up on or on hold for hrs then hung up on CSR cant say when issue will be resolved this is putting me in a financial bind I even reached out to XXXX to see if load can be reversed and they said being the fact that they show that Rushcard has received this money they Rushcard would have to notify them to cancel transaction which is a catch XXXX situation because according to Rushcard they cant look anything up so very frustrating I have been with this company for 5years and trusted them with my money and for this to happen is just unacceptable PLEASE HELP
Consumer complaint received 2015-10-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

In short I had a mortgage with a coborrower in XXXX ... in XXXX that mortgage was modified into a mortgage with that coborrower by herself. In XXXX I filed a BKXXXX and in XXXX I received a discharge. Rushmore Loan Management took over servicing the mortgage in XXXX and has been reporting to the credit bureaus that the mortgage is mine, open, and delinquent. I faxed them the attached letter on XXXX/XXXX/XXXX and they are supposed to respond within 30 days and have not done so. I had an attorney send them a letter and again no response. All the while my credit is being ruined by them for an account that is not mine anymore.
Consumer complaint received 2015-10-15
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (SC)

I have been unable to use my rush card for 5 days. I get my paycheck deposited to my card and I have been without money for over a week. They keep lying and telling me that it will be fixed by the end of day. They have lied over and over again