davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
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: Credit Karma (MO)

My husband and I checked our credit scores with credit Karma because we were applying for an apartment and wanted to check our scores. This was on Wednesday, XX/XX/XXXX, in the XXXX Saturday, XX/XX/XXXX I received an email from Credit Karma stating that there was a new credit account on my report. I thought this was suspicious as I had just checked my score a few days before. Credit Karma seems to just be a funnel for getting customers to sign up for new credit cards stating this can improve their score. I looked up the organization on my report that was this new credit account account on my report. It was XXXX XXXX XXXX. I searched the web for them. They offer a deal where you can pay them to expunge the negative ding to your credit score ( mine had gone down 2points ) by sending them money without contacting the creditor. They did not reveal the original company of the debt or even the collection agency working for them. This seems like a scam where Credit Karma and XXXX XXXX XXXX are working in tandem to rip people off. I want the ding taken off my credit score, if there really is one and I hope this is investigated and consumers can be alerted to this scam.
Consumer complaint received 2017-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (ID)

I had an account with XXXX for internet services While living in my RV at an RV resort during my move from one state to another. I moved the RV to family estate property and contacted XXXX about the move and asked to transfer services to the new living area. I continued to pay on the account as usual without fail and on time. Then XXXX tells me I owe and an account was delinquent. We ( XXXX and I ) on a phone conversation discover that XXXX created a second account instead of transferring the already existing account to the new town I moved to. Not my fault, not my error. Due to the mishandling of account and poor service quality I terminated my business with XXXX. The one account was paid in full and there was no issue there but XXXX put the account they erroneously made into collections. An account I never used nor had knowledge of. They then wrote off the account and sold it to debt collectors. Not ONE but TWO. XXXX XXXX and ERC ( enhanced recovery company? ) Both reported the negative information on my credit report AND for different amounts. {$120.00} for ERC and {$160.00} for XXXX. I disputed them when I discovered them and the credit burrows had it removed as it was duplicate. That was XX/XX/XXXX. On this day XX/XX/XXXX I get a letter from ERC now asking for {$590.00} or they will report it AGAIN on the credit report. <P/>If XXXX wrote it off and sold it to a debt collector why are there two collectors reporting different amounts and how can a debt collector report a bogus claim multiple times? <P/>What is going on here? How is this kind of extortion allowed to take place? How can one item be allowed to be reported multiple times? As a 23yr XXXX XXXX veteran this is what I worked for? So a company that created an error can tell me to pay for a service not used under an account I never knew existed and then it gets reported to multiple debt collectors which in turn hit my credit report multiple times for the exact same thing that should n't exist in the first place?
Consumer complaint received 2018-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC (TN)

I am being contacted everyday, with the exception of Sunday, for a month. The want the loan paid but, I am unemployed and a XXXX veteran. I have tried to explain this to the company. However, they continue to contact me. It's the same thing everyday.
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

This pertains to Case number : XXXX. 
Today, I have called Ocwen to find out why the modification process was not updated yet. I was instructed that they were still missing one last document. I explained to the lady that we sent all the paperwork but would be happy to send it again. We got into this mess because back in XX/XX/XXXX we paid the {$5200.00} that was due to reinstate the loan back on XX/XX/XXXX via wire from our bank. I called for days and monitored the account but no funds from the wire ever showed posted. It was explained to me today that their records show they did not receive payment until XX/XX/XXXX and that is why they did not honor the reinstatement of the {$5200.00} and put us into foreclosure, not returning our funds until XX/XX/XXXX. Ocwen 's bank is XXXX XXXX ( we all know about them ) who clearly told me they can take up to 3 days to post a wire! How criminal is that? I also talk to another agent at Ocwen who said it was sent back because there were foreclosure fees from XX/XX/XXXX that were never paid and they are due and have to be paid. Even thought I told him what their own letter said, he stated that form is n't really for our loan. We have an FHA loan. So neither person could really tell me the truth. So now we are in foreclosure with new fees being added to the account. We applied for a modification to stop the foreclosure process and today I was checking on the status. The young lady did tell me we could pay the {$9900.00} that is now due to reinstate the loan ( you ca n't pay your monthly payments while in foreclosure and late fees keep adding up plus new fees ). She stated there are new foreclosure fees that are being added but those will be added to the end of the loan and not necessary to reinstate. I explained to her that is why we are in the mess we are because Ocwen said we have to pay the original foreclosure fees and the {$5200.00} did not satisfy the total amount due despite what their letter said. She said, no, it was denied because it did not have XX/XX/XXXX payment in it because we did n't get it until XX/XX/XXXX. So why did XXXX XXXX who is the bank for Ocwen keep the money for 3 days? And now I am in foreclosure but she assured me I can send the {$9900.00} to reinstate and they wo n't need the foreclosure fees of {$2000.00} up front, just at the end of the loan. Looks like XXXX XXXX ca n't open bogus accounts with lines of credit so maybe they are taking the wires and using those as cash for federal reserve money for points? Interesting .... And Ocwen ca n't tell me the truth about the letters they send to their customers ....
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NY)

We applied for a loan modification with ShellPoint mortgage. We were approved for trial payments. Three ( 3 ) trial payments. We sent the trial payments an we were sent the final loan modification agreement. We sent it back Shellpoint claimed they never received it. 
They sent us another agreement we sent it back but they would not not accept it unless we gave them 8 more trial payments that totaled on {$20000.00}. We were on trial payments with XXXX 5 different times and each time we paid the trial payments and nver received a loan modification. Now they are foreclosing on our home with a sale date of XX/XX/2017.
Consumer complaint received 2017-06-17
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: CITIBANK, N.A. (WA)

Today I went to check my credit score on XXXX XXXX and there 's an account to called XXXX/Cbna and  Internet said it 's best buy I called and they have no record of me on there. On credit XXXX says limit of XXXX and XXXX is used and account ends in XXXX. I do n't know what this is because I have no card of a limit of XXXX. Can someone please help me understand this and is this fraud?
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Home Point Financial Corporation (DC)

I sold my home and closed out my loan with Home Point Financial on XX/XX/2016. I have received documentation from the company that my loan has been paid in full. However, Home Point has failed to refund my escrow account. Four months after paying off my loan, the company owes me {$3100.00} in escrow refunds. I have contacted the company repeatedly to obtain these funds and Home Point acknowledges that it owes me this money. However, the company claims that they have mistakenly been mailing the escrow refund to my old address, despite my many and repeated attempts to update my mailing address. I have called customer service over and over again, and every time I call them they claim that the address update did n't go through and they somehow mailed the check to the wrong address, but they will absolutely correct the mistake, cancel the old checks, and expedite the mailing of a new check to my current address. The last time I called them and received this story was a month ago, and I still have not received the refund check. Nor have I been contacted by the company. 
After so many attempts on my part to obtain these funds from Home Point Financial, I believe that the company is acting in bad faith and is attempting to withhold the escrow refund that I am due. It is now months late and there is no reasonable excuse for the company 's failure. I will be very grateful for any assistance that the CFPB can provide. Thank you!
Consumer complaint received 2018-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One refuses to delete 2 late payments which I dont understand how it is late when it was an automatic payment..This is on My credit as well as my Fiamce which has caused higher interest rates. Also XXXX has a late pay listed and it was on auto pay as well. These are the only deragotory items we have out of 25 to 30 accounts in very good standing. I have tried to dispute this but they refuse to delete even on Good faith and Goodwill letter. I am disputing because it should have been deducted and I have never missed a payment the payment was taken but instead of deducting XXXX they only deducted XXXX because it was set up for fixed amt and 1 month it was more than fixed amt and they c hgv argued a late fee but also waived the fee. I would like this deleted because We have Good Credit and this is erroneous misleading information.
Consumer complaint received 2018-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (KS)

Received written communication from XXXX  XXXX regarding alleged medical debt. Information provided does not substantiate or verify debt on my behalf. Asked company to " cease & desist '' debt not owed. Repeated attempts by collection agency ignored.
Consumer complaint received 2023-06-03
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)

Hello regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Scott Lowery Law Office, P.C. (DE)

P. Scott Lowery, P.C. has been harassing me for years about debt they purchased from a Credit Company and  pursued it in court in a case against me that was given a default judgement because I had neither means to know about, or attend to in any form or fashion due to extreme hardship at the time of their filing.     It 's been over 6 years and they 're still periodically getting my address and sending me paperwork attempting to acquire information to take money from me without my consent through a banking or financial agency, and I do not have the means to get representation on my own. The paperwork contains threats of " Filed as  in Contempt of Court '' for not answering , but I have reason to be suspicious of the reasons they are pressuring me to sign these documents.     The debt is from  XXXX , and was filed in court in  XXXX  without my knowledge. I am a  XXXX   XXXX  veteran, and I can neither afford representation, nor can I afford to pay them, or deal with any potential trouble they can put me through, and due to my  XXXX  discharge being the reason I got left with the debt in the first place. I 'm unemployed and I can not work, and I refuse to give them any information that could be used to make my life miserable because of the system we currently live in.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX has report 5 miss payments while I was in bankruptcy. I have contact them through email 3 times ( XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX ), by phone once ( early XX/XX/XXXX ) and certified mail ( XX/XX/XXXX ). I have contacted the equal fax and XXXX ; which XXXX decided that the miss payments were made on different months. The new dates are for miss payment are nowXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.XX/XX/XXXXThese payments were made in good faith and our lawyer told us that we could pay them monthly by check or wait until the end of bankruptcy. Our case number is Case No. XXXX. Payments would have been paid on time if we receive a bill, could pay online or over the phone, but all bills had to be pay by mail. We file for bankruptcy inXX/XX/XXXX and were out XX/XX/XXXX.
Consumer complaint received 2018-08-19
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: Bliksum, LLC (MO)

I have tried to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX several times to an inquiry that remains on my credit. I never authorized this company to see my or pull my credit for any reason.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

XXXX XXXX turned our account to Select Portfolio Servicing in XXXX between XXXX of 2016. No explanation why our account to Select Portfolio Servicing.SPS Office has no idea what they were doing to read the system. I answered the system to accept the monitor on recording our conversations. SPS told me that they will not accept our personal check toward the Principal. They requested us in writing to ACH Withdrawal and I faxed them and they were supposed to add Property Tax into Escrow has not set up. I faxed again to requested the ACH withdrawal {$800.00} and set up on due date every XXXX of month. Since We were with XXXX XXXX. Select Portfolio Servicing, did not set up and without us knowing that they went ahead withdrew on XXXX of XXXX XXXX which i was charged by my bank and my bank overdrawn fee refund back in. SPS Office admitted mistakes on recording and supposed to credit it back in our acct. They withdrew {$700.00} on XX/XX/XXXX not following my instruction that i requested {$800.00} on XXXX each month. They keep asking me to send in writing to request again. I was so angry with them keeping asking in writing. I faxed few times to them for requested to withdrawal on due date and extra money to principal and escrow account. Select Portfolio Servicing Office these people do not know what they are talking about and I feel these people has no knowledge about our account history with XXXX XXXX. I was supposed to receive the lower interest by XXXX from 6.4 % to 6.1 %. SPS has no idea what I was talking about and they do n't even have no clue and said that the system shows. I feel there is something is not right and I do not know why XXXX turned our account to other companies that are working under the XXXX?? I believe there is a lawsuit against XXXX and I feel someone needs to investigate this company Select Portfolio Servicing.I want this solve the problem with them.
Consumer complaint received 2017-04-17
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Premier Student Loan Center (NH)

I received a call from  XXXX   XXXX  of Premier Student Loan Center explaining that his company could reduce my student loan debt through debt consolidation. I explained that I had never qualified for a program like this as I and my husband make too much money.  XXXX  went on to explain that because it was my loan and not my husband 's loan we would not be including my husband 's income in the qualifying process. I found this to be suspicious, however I went along with it anyway as my loan debt is high. After a few days I spoke to  XXXX  who is the company that is taking care of my student loan debt and I have had a payment agreement with them since  XX/XX/XXXX . A rep from their office said the combined income should always be taken into consideration when qualifying for any program such as theirs or the one that  XXXX  was attempting to qualify me for. Otherwise, I would need to file my tax return separately for my husband 's which I would never consider doing.  XXXX   XXXX  submitted a repayment plan to  XXXX  that was noted as a Suspicious Application as it states that my husband and I do not file taxes jointly and that my husband 's tax information is unavailable. This is false. We file jointly and my husbands tax information is always available to me. He is   XXXX    and I have access to his  XXXX ,  XXXX  and all other pertinent tax information. When I told  XXXX  that I was withdrawing from the " program '' he set up for me after I was approved, he said no further payments would be taken from my checking account, however I would not be refunded the {$290.00} that was taken out on  XX/XX/XXXX  as this was for processing fees and did not even go towards paying the loan. I informed him that I would demand my money back due to the fact that it was owed to me. These programs can be misleading.
Consumer complaint received 2017-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MA)

In  XXXX  of this year I accidentally failed to pay {$18.00} on a total credit card bill of {$5300.00}. ( I pay my credit card bill in full every month so this was an a one-time oversight. ) On  XXXX   XXXX ,  2017 Chase charged me {$22.00} in interest for the {$18.00} underpayment. I complained to the company, Chase, but they refused to reverse the charge. To be charged this amount of interest on such a small unpaid balance  is usurious, even if the rules allow them to do what they did. I went ahead and paid the full amount due of {$3300.00}, which included the {$22.00} in interest. I assumed that this payment in full would prevent future interest charges.     Much to my surprise, on my  XXXX   XXXX ,  2017  statement they charged me another {$31.00} in interest. Again this charged stemmed from a slight-of-hand   where they are allowed to charge interest on the average collected balance in months following the underpayment.     I complained today and was told that they would credit back the {$31.00} in interest. I would like the remaining {$18.00} refunded and more importantly I would like there to be a regulation promulgated to ban this type of usurious behavior.
Consumer complaint received 2018-02-12
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: EQUIFAX, INC. (FL)

I have contacted Equifax regarding them not reporting two credit card accounts that are reporting on XXXX and XXXX. The accounts are XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX. I am not sure why Equifax is not reporting the accounts, because the company has sent them the information.
Consumer complaint received 2018-08-19
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (MO)

XXXX XXXX has broken several laws and has ignored all consumer debt collection rights. I have received several calls after the set time of statute of limitations as well as trying to reach out in regards to XXXX XXXX robo signing my name for some agreement that I am unaware of terms. Please see cases 1 ) XXXX XXXX XXXX vs. Our Client XXXX ; XXXX County District Court XXXX ) XXXX XXXX XXXX vs. Our ClientXXXX ; XXXX County Justice Court XXXX, 2 ) XXXX XXXX XXXX vs. Our Client XXXX ; XXXX County Justice Court XXXX. Ive tried to dispute the collection as they are not my creditor and since ive been harrased by them so many times I would like the collection removed. A dispute took over 35 days and still not removed.
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my consumer report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My consumer report lists the following issues/accounts as needing investigation and correction due to inaccurate reporting in my file. Ive sent letters including my FTC report to Transunion on XX/XX/XXXX tracking XXXX. Transunion refuse to investigate. I sent in a reinvestigation request and along with debt validation XX/XX/XXXX and XX/XX/XXXX tracking XXXX and XXXX Transunion still have not sent me any documents including my signature to verify these accounts. The account are listed below. Please send me proof of debt with my signature or remove these inaccurate accounts from my consumer report. Here are the accounts I need investigated and validated accounts XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX