davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

Dear Sir or Madam : Consumer Financial Protection BureauRe : Dear : INVESTIGATORThis letter is to complaint about a problem I am having with the Credit Agency on a chapter XXXX case from XXXX XXXX, XXXX that has been dismissed close since XX/XX/XXXX XXXX. I been trying to repair erase and remove from credit report since XXXX XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit and this contribute for me to pay more interest on any credit that I try to open I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their reports letters and other relevant documents with dates of close and dismissed dates unfortunately the problem remains unresolved. 

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item CHAPTER XXXX DISCHARGE ON XXXX/XXXX/XXXX I am requesting that the item be removed and to correct YOUR FILE information. 
Enclosed are copies of supporting my position. Please re-investigate this matter. 
Thank you for your anticipated assistance in resolving my problem.
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Alliant Capital Management LLC (FL)

We received several phone calls from different 1-800 numbers saying that we need to call to XXXX to schedule an appointment for them to send the plaintiff with the court papers, in other words, to serve my mother. 
When I called the phone number a gentleman answers and, without saying the name of the company or what is regarding to, he asked for the " case '' number. After a bit of back and forth he said that they purchased a loan from XXXX XXXX and now they are collecting, the debt is for {$1600.00} but we can settle the debt for 50 % over the phone, otherwise they 'll send the papers and she 'll be sued. When I explained the serving procedures to him and that they way he was conducting the call was n't professional nor accurate, he got upset, started to threat saying " you better pay up buddy or she 'll be sued '' and " Let me put it this way bro, if you 're gon na ask for money, you better be ready to pay up '' then he followed to hang the phone. That was the XXXX time that I spoke with him, the XXXX XXXX was a very rude conversation about the same deal.
Consumer complaint received 2015-07-29
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: R.M. Galicia, Inc. (CA)

I received a credit report a saw that Progressive Mangement Services of XXXX XXXX, CA has reported a debt and trying to collect on it, I had advised them in the past the debt is old and and the statue of limitations in California is 4 years and can no longer collect on it, when it was reported to the credit agencies there is no account number attached. I did send them a email asking that they remove the account.
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (FL)

My problem began around XXXX when I was looking to purchase a XXXX XXXX XXXX online. I saw one on XXXX. I saw the option of using Bill Me Later to pay. I have used it before always paying on time. I did n't owe them any money. With Bill Me Later I would have the option of delaying payment for up to XXXX months. Around XXXX to early XXXX I decided that I would just pay it off. When I went to the Bill Me Later site it said that it was now PayPal Credit. When I tried to log in I saw my daughters name. 
I thought that somehow they merged our accounts together. I asked my daughter to get in touch with them so that I could pay the bill. Under Bill Me Later I would have untilXXXX to pay. When my daughter finally called PayPal Credit they said that my Social Security number was on her account so I would have to call. 
I called and they said that I owed for the XXXX XXXX plus approx. {$150.00} in late fees. I never received any notice until now. I am still totally confused and not sure what happened. 
I tried to work it out with them but they are not hearing it. My daughters account comes up when I try to log in to pay. 

Fact 1. I tried to pay it off early but Bill Me Later changed to PayPal Credit. When I tried to log in my daughters name came up. 
Fact 2. When my daughter called they said that her account has my SSN so I would have to call. 
Fact 3. PayPal Credit refuses to work with me and just wants {$120.00} in late fees. 
Fact 4. I have a perfect record with Bill Me Later. I did n't owe anything when I purchased the XXXX XXXX XXXX. 

Please help resolve this matter. 
Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2015-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: EOS Holdings, Inc. (VA)

Withdrew funds from my XXXX XXXX bank account for {$2000.00} when I had not authorized them to do so. Bank reversed transaction since I did not have the funds available. I have since changed bank accounts and continue to be harassed by this company.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (MO)

I received a call from EOS CCA in regards to a delinq tax bill. I answered and no one said anything, when i returned the call on XXXX at approx XXXX I spoke with XXXX. i was a little skeptical per not receiving anything notifying me of the debt that has been owed for XXXX years and when returned call she answered as though she had called me after finishing her conversation ( I 'm guessing with another rep ) she was very sarcastic and condescending. I agreed to pay after verifying was a legitimate company and asking numerous questions. I specifically asked more than once if payment can be post dated on a debit card and that the payment was set for the XXXX of XXXX she kept saying that is correct. ( The call really needs to be reviewed ) I instantly received notification that the funds had been debited immediately. I obviously returned the call and spoke with a supervisor that advised I would need to send in proof payment was made after he verified the debit payment was made and was noted in the system was supposed to be debited out on XXXX ... needless to say I was very upset by this he stated he would contact the MO dept to verify and contact me back. I have yet to receive a response and know my rights have been violated per the FDCPA b/c I did NOT authorize the payment to be debited from my acct on XXXX
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

I recently noticed on my XXXX report that XXXX XXXX XXXX has us in " collections ''. " XXXX '' from XXXX XXXX did call me XXXX/XXXX/2015, I did not receive a letter, no verification, thought it was a scam. He did have some personal information but not exact. He was " fishing '' for info. It was apparent he pulled my credit if thats possible. He was not professional, did not verify any personal information before proceeding and then threatened to take legal action if i did n't agree to pay. I called back the number to see who would answer, it was him. I did explain personal and business issues since recession, the effect it has had on our credit, our home in foreclosure, working towards modification, i did make an offer to resolve the debt but did want debt verified, his company verified, he threatened legal action. He was indignant, WOULD NOT put in my offer, again threatened legal action. He never sent verification letter after he said he would and now i see it in collections? We lost entire YEARS of income since the recession, damages and continued loss of income with NO credit available. More bills than income. House in foreclosure. How can he threaten court without verifying debt and verifying who he called. He never read rights. One year earlier i was negotiating with XXXX XXXX, that company said they would return it to XXXX and XXXX would get back to me. We continue to struggle to get our income and home back on track.
Consumer complaint received 2015-07-26
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XXXX, attorney XXXX XXXX ( fired ) XXXX XXXX filed a foreclosure against me, I have no mortgage, I have a paid in full. From XXXX XXXX XXXX. The lawyer knows its fake, he received the PSA from me, it clearly states no assignment was TRANSFERED, there is no trust or trustee. The lawyer handed Robo assignments in and brought a fake witness to to TESTIFY. Referee XXXX XXXX XXXX XXXX, tampered with minutes from hearing, inserting a witness on minutes, entire proceding was recored. I sent copy to court reporter. XXXX XXXX. When she seen herself on film, she stated XXXX XXXX mad her do it. Fraud in the FACTUM.they stole my Mail, signed my name to a electronic transfer of FUNDS
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (ME)

Green Tree took over my account servicing from XXXX in XXXX 2013. I have had nothing but problems with them. 
Last year, they forced me to pay extra into escrow, even though I provided information that I did NOT owe that money. They did refund the extra at the end of the period. In fact, I complained to cfpb about them at the time. I got a response from you that Green Tree was '' researching '' the complaint, and never heard from you again. 
THIS year, they stated that my escrow was low {$1400.00}. My taxes AND insurance only went up about {$500.00}, so I do not know how they came up with {$1400.00}. I have written them XXXX times and get nothing sensible back, and they take XXXX weeks to respond. I paid {$1000.00} into escrow. They increased my payments anyway, and XXXX letters later, I finally paid the {$460.00}. They still demand the higher payment. Well, in fact, they now DO NOT SEND my statements. Twice they sent responses with attachments but the documents were NOT included. 
I have had no statements for XXXX, XXXX, and nothing now for XXXX. Their " representative '' called me at the time I sent in {$1000.00} and started yelling at me. He would not listen to anything I had to say. I refuse to call them. I write everything. 
I need my payments set right, and I need my statements. 
Green Tree is not responsive to customers. They have not been answering my letters and they are purposefully not sending my statements, because I have been receiving other mail XXXX HARP refinance, which is probably required by the government ) from them.
Consumer complaint received 2016-02-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: D. SCOTT CARRUTHERS (CA)

I informed the agency to cease contact on XXXX XXXX, 2015. They have begun contacting every number they can cull from the Internet, which includes my work numbers. I am mailing another letter, along with this complaint number to ask them to cease contacting my employer again. They contact random numbers within my employer, please see attached email. I have informed them verbally to take the legal action that they need to take, they have continued to call. They yell, speak over me, and try to harass with a terse and harsh tone. They are acting like a dog which is all bark and no bite. I 've asked repeatedly for them to take their legal action and let the courts decide, but they just keep calling.
Consumer complaint received 2015-10-21
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: U.S. BANCORP (CA)

My husband sent me a check in the mail using the online-bill pay service through his Bank ( U.S. Bank ). The bank sent me a check dated XXXX/XXXX/2015. I cashed this check at my Bank ( XXXX XXXX XXXX ) on XXXX XXXX. On XXXX XXXX or XXXX - TWO DAYS AFTER I CASHED THE CHECK - my husband placed a " stop check payment '' on the check. My bank reversed the transaction and said that I owe them {$300.00} because U.S. Bank refused to honor the check. I looked this up, and found out that under Regulation E of the EFTA, this was not merely a " check '' - but that such payments are actually defined as " Pre-authorized Remittance Transfers '' by 12 CFR 1005.30. This is supposed to limit my husbands right to cancel the transaction to 30 minutes after he made it, since it was scheduled more than 5 days in advance. I and a refund of the fee I was charged by XXXX XXXX XXXX for a returned check. I also want U.S. Bank to honor the remittance transfer ( which they insist was just a check ). Thank you for your help.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (RI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-12-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I received a text message from what appears to be an HSBC address saying that suspicious activity has been detected on my account, and to verify my account details to prevent suspension of my account. This seemed fishy XXXX, so I called HSBC directly since their website does not allow me to log in unless I have an active account, which to my knowledge I do not. The phone system HSBC employs will also not allow callers to speak with a representative unless they either have an active account or lie about the nature of their call. In my case after a half-hour spent trying to navigate through their many menus and failing to get a live operator, I pressed the key sequence to tell them I was interested in opening up a new account, which produced ( surprise, surprise ) a live operator waiting to take my money. After explaining the situation to this operator, they told me this was a fraudulent text, but could otherwise not assist me to make sure that there was no other fraud happening in connection to my identity or former account information. 

While I completely understand HSBC has no controls over scammers using their name in their attempts to commit fraud, the fact that HSBC makes it not only difficult but nigh-on impossible to speak with a live human being goes beyond the pale, especially since they are active targets of fraud attempts. As a past customer of theirs whose vital details are in their system, I find it extremely alarming that they care not one whit for customer relations unless you are handing them money on an active basis. After all, I have no control over or knowledge of their IT infrastructure and they clearly have little to none either.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have successfully gain a loan modification now over 6 months with Select Portfolio Servicing ( SPS ) through the assistance with XXXX XXXX Law Offices. I have documentation of the completion of the loan modification process and closing. I have abled my trust and confidence to re-establish creditworthiness with SPS and agreed to the terms of the contract, loan restructure and acknowledgements thereof. SPS states to me after I successfully completed the process only after my inquiry because of my BK filing 8 years ago ( discharged ) that they are not required to report and have no intentions on reporting my monthly payment history according to the current agreement. This was my last conversation I had along with a third party ( XXXX XXXX XXXX ) at Law Offices to speak with SPS authorized to speak on my behalf. I find this to be a major setback, not able to regain and build my credit and it restricts me from my efforts in paying on time and agreed. 
I absolutely love the new loan and the fresh start and feel I 'm getting robbed of the benefit of paying as agreed. I would like resolution for SPS to report my pay history to the bureaus each month according to how I am paying. If this can not be achieved, I am open to other options, ie stated letter every 3 months of my pay history so I can forward to the XXXX credit bureaus so they will be updated.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MS)

On XXXX/XXXX/XXXX at XXXX, I spoke with XXXX at Ocwen Servicing. We post dated a payment for XXXX/XXXX/XXXX in the amount of {$530.00} plus a {$19.00} fee. The confirmation # is XXXX. When I checked my bank balance this morning, XXXX/XXXX/XXXX ; both items have been subtracted from my checking account. At the cost of {$36.00} per item for overdraft fee, this is going to once again cost me several hundred dollars for the additional items I used my debit card over the weekend. The first time this happened in XXXX, XXXX, I swore I would not do it again. That is the reason my mortgage loan got in the shape it was in ( past due ). We set a repayment plan to help me get current. THIS IS MY HOME!! I want to keep it. Ocwen makes it hard for me to do that. I am going to the XXXX website at XXXX and request they somehow transfer my loan to another Servicing Company. I am tired of being afraid of losing my home.
Consumer complaint received 2015-09-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

I contacted Midland Funding in XXXX 2015 and asked for proof of ownership of the indicated debt. Midland funding has yet to send me the requested documentation or put the account in dispute status. I want it removed from my report. I do n't see how they can just show up on my report and not provide the requested information. I have several copies of my report and they were not showing in previous years.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2015-03-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

5 years ago, when I was supposed to start making monthly payments on my private student loans. I called them and explained that I can not afford the monthly payments. I simply do n't have the money. I offered to pay what I could, {$100.00} a month, and they simply denied it. I gave up and my loans are now in default, and have been for some time. I was hoping my employment situation was able to get better and it has n't. XX/XX/2013 I had to declare bankruptcy. Since student loans are not able to be discharged, i was stuck even though I could n't afford them. Now it has gone to the litigation department and i still want to try and wotk out a payment of {$100.00} a month because thats all I can afford. I called them and am still waiting to hear back. I am making monthly income based repayments on my federal loans because they understand my financial situation. I do n't know what else to do.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NJ)

I applied and received a car loan from Santander Consumer USA XX/XX/XXXX. XX/XX/XXXX I was having trouble making payments due to child support problems and reached out to Santander for help and guidance. They led me to believe that payments could be deferred and added to the end of the loan. What I did not realize was that I was modified into a simple interest loan with a balloon payment at maturity. Still to this day I have actually not been explained this product by Santander. Someone who used to work for them described what happened to me from looking at my statements. I had every reason to believe that when asking for help, Santander would have worked in my best interest, instead of using my hardship for their gain. I feel I have been deceived and have no recourse to get out of this loan. I want to make sure this does not happen to another as well as have some resolution as to how they have the ability to restructure a loan without me signing new documents or fully understanding what I was agreeing to.