davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-22
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. (NC)

I submitted disputes on XXXX and XXXX of XXXX and have not received anything but the standard its been verified letter from only one of the bureaus. Not once did any of the credit bureaus send me verifiable documents showing that these accounts should be on my report. These accounts I have disputed should not be on my report and I want them removed immediately if they can not furnish me with the documents I have requested. As a consumer it is my right under the Fair Credit Act to request 100 % viable proof that those accounts disputed belong to me. If this is not done, the credit reporting agency MUST DELETE THE ACCOUNTS. I am asking that the accounts listed in my disputes to Trans Union - XXXX and XXXX be deleted immediately as they have taken well over the time frame and have not provided me with any kind of proof whatsoever.
Consumer complaint received 2017-12-21
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I believe my XXXX XXXX XXXX XXXX XXXX ( XXXX ) Charter One Bank private student loan is part of the lawsuit against XXXX  for fraudulent collections. I also believe there is supposed to be an audit occurring on those false judgments per the order of the Consumer Financial Protection Bureau lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I took out a {$15000.00} private student loan through XXXX XXXX XXXX XXXX XXXX, the lender was Charter One bank. In XX/XX/XXXX, I have documentation showing I took out another {$15000.00} private student loan. I do not know if it was through XXXX, but the lender was Citizens bank. I had been making payments on the XXXX Charter One student loan until I became unemployed in XX/XX/XXXX. I believe these payments were made to XXXX XXXX XXXX ( XXXX ) at that time. In early XX/XX/XXXX, I started receiving legal documents as attempt to collect debt for the XXXX XXXX XXXX loan. It resulted in a judgment placed against me by XXXX. The XXXX XXXX lawsuit matches the information in the complaint and judgment I received. I have been making payments for the XXXX Charter One loan to a collections law firm, XXXX and XXXX, XXXX since XX/XX/XXXX. XXXX and XXXX have made several different payment arrangements with me as I attempt to manage my XXXX Bank private student loan and government student loans. I currently make monthly payments directly to XXXX and XXXX ( through automatic withdrawal from my checking account ). XXXX and XXXX have stated they will review my income annually and adjust my payment plan accordingly. 

I have no recollection of making any payments toward or receiving collection notices on my Citizens Bank private student loan until XX/XX/XXXX and am curious why it took them so long to attempt to collect from me. 

A friend recently advised me to stop paying XXXX and XXXX and file a complaint with the Consumer Financial Protection Bureau to determine if XXXX and XXXX is supposed to be collecting payments on behalf of XXXX and the Charter One loan. My friend informed me that XXXX is not a collection bureau or a lender, and therefore, placed a judgment against me illegally. 

I would like to know/understand what is going on with XXXX and who I am supposed to be making my Charter One private student loan payments to and if I can get my money back if my payments have been handled improperly. I would also like to know if my Citizens Bank private student loan is associated with XXXX. Id like to try to refinance my private student loans, but it seems undetermined if my XXXX/Charter One judgment is legal.
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

in XX/XX/XXXX we signed for our son to mortgage property thru XXXX XXXX XXXX XXXX XXXX XXXX Mortgage apparently changed companies several times over the years. Son allowed mortgage to go into foreclosure. in XX/XX/XXXX it was scheduled for sheriff sale. We signed for Bankruptcy to stop the sale. We tried to speak with mortgage company about the account, payoff, selling property, etc. They would not speak with us. We were told, we are not on the mortgage, therefore they could not speak with us. Now if their mortgage does not have our name on it, and our name is on deed as owner, there seems to be a problem. Mortgage company kept maintaining we were not on mortgage. Now since we have filed bankruptcy we have to file a payment plan. We use the figure of {$110000.00}. since it was named on Sheriff sale papers. Now XXXX XXXX has filed motion to release them from Bankruptcy due to insufficient monies, and none payment to them. they are claiming {$130000.00}. due them. They have not supplied us with an actual account number, or an amount of monthly payments. If our names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are not on this account, then the account is in question of being fraudulent.
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAVALRY INVESTMENTS, LLC (AL)

Back in XXXX, XXXX a judgement of {$6800.00} was added to my credit report by Cavalry SPV I , LLC. I had no idea that this case was going on. A year later the judgement was deleted from my credit report then in XXXX XXXX decided to start reporting the {$6800.00} and then added {$740.00}. I called the company and they gave me the run around about the account. I 'm in the process of trying to buy a home for my family due to my son needing special rails in the house. I 'm seeking to have this removed off my credit report.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC (GA)

I have disputed this debt twice on my credit report, to my knowledge. This collection company states that this debt is from a hospital in Florida- XXXX XXXX XXXX , located in XXXX , Florida . I do not recall ever going to XXXX XXXX in XXXX and I did not live in Florida in XXXX of XXXX, which is reported on my credit report. Capio Partners has listed this debt as opened in XXXX of XXXX for Credit Limit/Original Amount : {$1700.00}. Credit bureaus have certified this information as true but I have never received any documentation that this is my debt. I have received no phone call, no letters- no documentation at all that this debt belongs to me. This violated the Fair Debt Collection Practices Act.
Consumer complaint received 2017-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I had my FHA mortgage with XXXX XXXX XXXX for 7 years, I autopaid my mortgage and was never late with a payment. My housing costs were 20 % of my income and I had no financial hardships or issues with my mortgage. 

In XXXX XXXX I received a notice that my mortgage was being transferred to LoanCare , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) and that I would get a bill from them the following month, I did, I paid it by check and called to set up an auto-payment, I could not get through to anyone, I called dozens and dozens of times, it is an endless loop of automated phone messages. If you stay on for the full hour plus to get through all the prompts and ask to talk to a customer service representative, you get a recording to send them a written note by mail. 

They made it impossible to pay my bill, then after one month I started getting notices in XXXXnglish and Spanish that I was going to lose my house if I did n't pay, and started getting XXXX packages with notices to refinance with them ( I did not need to refinance and it would have not been financially advantageous for me to refinance ), if I called the number on their predatory lending arm, a person immediately answered, but said they could not help process my mortgage payments and had no way of communicating with their loan servicing arm. 

I ultimately had to pay for a lawyer to just get them to process my payment. I was moving in with my new husband and wanted to keep my townhouse as a rental and build my assets but they were so horrible I decided to sell then continue to fight with them. 

I felt like I had to register a complaint, I have sold my house but the reviews of this company are terrible - thousands of people have posted online that they have tried to take their homes or have taken their homes. I was lucky enough to be educated and have resources to protect myself, but many do not, this company is making it logistically impossible for working class people to pay their mortgages and then they are stealing their homes acting as if people failed to pay. They need to be taken to court, and possibly be held criminally liable. This is beyond bad business practices.
Consumer complaint received 2017-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (AL)

In XXXX/XXXX/XXXX I received a letter from Midland XXXX XXXX stating they had made several attempts to contact me and they were in the process of suing me. The letter also states " this may be your last chance to work with us before the account goes to an attorney. The amount on the accounts were {$5300.00} and {$2700.00}. In XXXX/XXXX/XXXX I called the company and they directed me to an attorney 's office in AL to handle the payments. Called the attorney company and made a agreement to Pay to Delete since I 'm shopping for a home loan. XXXX/XXXX/XXXX made the payments and both I and the agent and XXXX agreed to {$1400.00} and {$2700.00} to have the collection settled and deleted. In XXXX, XXXX I called to ask them why has n't it been removed from being reported and they told me give us XXXX days and it will be removed. In XXXX, XXXX I had my credit pulled thinking I gave them enough time to remove the information from my credit report to only find out it 's still up there. I record all my telephone calls to the CA and attorney office. I just want this to be fixed so I can buy a home for my family. Due to my sons being XXXX we have to modify our home.
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Guglielmo and Associates (NV)

I have made three complaints about XXXX XXXX XXXX. They continue to state that they 've tried to reach me by phone. I HAVE ASKED THEM THREE TIMES VIA U.S. MAIL TO MAKE A COUNTER OFFER IN THE MAIL. I WILL NOT CALL THEIR OFFICE AS THEY STATE BECAUSE I AM COMPLETE FEAR OF THREATS, BULLYING AND DERRAGATORY REMARKS FROM STAFF AND XXXX XXXX. WHEN THEY WANT TO THREATEN ME WITH A GARNISHMENT OR A NOTICE OF EXECUTE IT 'S FUNNY THAT THEY SEEM TO HAVE MY ADDRESS FOR THAT. I AM ATTACHING ANOTHER LETTER TO THEM DATED XX/XX/XXXX-17 MAKING ANOTHER OFFER. I WANT TO SETTLE THIS BILL. I 'VE MADE SEVERAL ATTEMPTS AND THEY KEEP SAYING THEY TRIED TO REACH ME BY PHONE. I HAVE REPEATEDLY ASKED THEM TO COUNTER IN WRITING AND THEY REFUSE. I THINK THEY ARE IN THE BUSINESS OF HARASSMENT. I WILL EXPECT A LETTER FROM THEM WHEN THEY RECEIVE THIS SIGNATURE REQUIRED OFFER FROM ME. MY INCOME IS COMPLETELY EXEMPT AS IT IS SOLELY SOCIAL SECURITY. THEY HAVE TRIED TO STEAL THIS FROM ME AND IT IS ILLEGAL. I AM GIVING THEM A THIRD OPPORTUNITY TO SETTLE THIS BILL.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXXXXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dealer Funding, LLC (NC)

Ive tried to contact XXXX XXXX XXXX ( formally dealer funding ) and they 've denied my request. To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for my account [ loan account number XXXX ]. 

During that time, my mother fell XXXX XXXX and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she XXXX XXXX and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (MO)

XXXX called 10 to 15 times a day using different numbers. When I answer the caller is rude and stated that there is a body bond out there and that I will be arrested if I did n't pay the debt. signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts.
Consumer complaint received 2017-12-22
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. (HI)

In their response to my complaint # XXXX XXXX XXXX XXXX XXXX stated that they removed my name from account # XXXX on XXXX XXXX 2017 as an additional card holder and notified all four nationwide credit reporting agencies on XXXX XXXX 2017, which includes Equifax to update their information to reflect this new information. However, because my credit report from Equifax did not get updated as of XXXX XXXX 2017, I called Equifax to find out why and they told  me that they have not received any communication from XXXX XXXX XXXX XXXX. I was told that information by 2 different persons at Equifax on the same day. My husband also tried to call the contact person from XXXX XXXX XXXX XXXX mentioned in their response to the complaint. Her name is XXXX XXXX, XXXX XXXX XXXX and her telephone number is XXXX, extension XXXX. She did not respond to messages left at that number. On XXXX XXXX XXXX my husband spoke to a credit card servicing agent at XXXX XXXX XXXX XXXX to discuss the conflict between what they reported in their response to my complaint and what Equifax was reporting to me and they stated they would re-submit to Equifax the updated information and notify my husband when that was done. There has been no response from them as yet.
Consumer complaint received 2017-12-21
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. (NC)

I contacted Equifax via certified mail on XXXX XXXX, XXXX ( tracking number was XXXX ) about collections on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that are not mine. I asked Equifax to verify the accuracy of these collections and send me copies of the documents they have on file that verified these accounts. Unde the Fair Credit Reporting Act 15 USC 1681g I have the right to demand copies and no proof was sent to me. I called Equifax on XX/XX/XXXX to get my update I was told by XXXX the accounts came back factual which they arent. I contacted the creditors and collection agencies asking for them to send proof and none was sent but a bill which isnt a contract with my signature or proof of my identity that they would have. I let XXXX from Equifax know I will be filing a complaint and I want proof of the collections or have them deleted off of my credit.
Consumer complaint received 2017-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (TN)

I closed on my new property in XXXX of XXXX. Since that time, my loan has been transferred to a new servicer twice already. In a letter dated XXXX/XXXX/XXXX from XXXX, I was advised that my new servicer would be XXXX XXXX XXXX, effective XXXX/XXXX/XXXX. By the time I received this letter, I had already mailed my XXXX payment to XXXX. When it was time to mail my XXXX payment, I mailed it to the address that XXXX had provided me for XXXX XXXX Servicing since I still had not received any communication from this new servicer. 

My first communication from XXXX XXXX, c/o XXXX Loan Servicing was a mortgage statement dated XXXX/XXXX/XXXX, which also included a Notice of Servicing Transfer letter. This statement showed a total amount due of {$930.00} with a payment due date of XXXX/XXXX/XXXX. Two things : 1 ) My monthly mortgage payment is supposed to be {$460.00} and 2 ) I have not missed any payments, have not sent in less than owed, nor have I been even a day late. I then checked my bank account. My XXXX payment to XXXX XXXX cleared my account on XXXX/XXXX/XXXX, before they even mailed me the statement showing {$930.00}. 

On XXXX/XXXX/XXXX I mailed a Qualified Written Request to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, CO XXXX ; which was the address they listed for a Qualified Written Request in the Notice of Servicing Transfer letter. I asked them to explain why my statement showed a past due amount of {$470.00}, what the additional {$18.00} charge ( {$470.00} - {$460.00} ) was for, and also requested an itemized statement with the correct outstanding principal, escrow balance, et cetera. 

To this date, I have not received a written acknowledgement of my inquiry. I have, of course, received a statement for my XXXX payment. The payment is now the correct amount, but my escrow balance is wrong. In addition, I am concerned that they tried to charge me some late fee in the middle of a transfer of service.
Consumer complaint received 2017-10-16
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. (CA)

my XXXX account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments
Consumer complaint received 2017-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone tried to obtain a credit card from XXXX through XXXX.I never applied nor would I.Iwrote a letter to XXXX to send a letter of Deletion to Transunion but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from XXXX. I contacted the bank and they said it was not their responsibility to resolve XXXX disputes.Transunion was very hard to reach and said they could not help me without The Letter of Deletion from XXXX The date I was first aware of the fraud was XXXX XXXX,2017.
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (OR)

Saturday, XX/XX/XXXX purchased {$4000.00} of bitcoin through Coinbase with an affiliate link that was supposed to give me a {$10.00} credit as well. Today, XX/XX/XXXX we see market value plummeting given their unfair announcements devaluing my purchase. Get canned responses trying to cancel the still pending transaction that was withdrawn from my bank immediately. However, still can not access or trade my Bitcoin wallet to move my funds to a more secure store or market.

As it is right now Ive lost a 1/4 of my investment without the ability to move/shelter or withdrawal it.
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XXXX XXXX I became XXXX and approved on XXXX XXXX. XXXX XXXX foreclosure avoided, renegotiated loan with Bayview Loan servicing. House appraised at {$71000.00}. I got the house back for {$100000.00} with {$45000.00} pushed back to end of loan so I could qualify and make mortgage payments. Bayview officer came to my home to sign one document. 
XXXX XXXX XXXX I applied for mortgage susp for XXXX months to do repairs after Irma. Bayview responded  by selling mortgage to XXXX servicing and no suspention of payments. XXXX rep refused susp of payments. 
XXXX servicing read the contract to me over the phone and sent a copy. I have never seen or agreed to part two of contract. They are adding {$45000.00} to the loan for late fees and interest that were waived in renegotiation. 
Back in XXXX I had a choice between taking a {$30000.00} payment and moving or to renegotiate loan. There is no way I would pay twice the value of the house. That 's why it was reappraised.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (GA)

I checked my credit on XXXX XXXX 2017. Noticed that an account I do not know about was put into collection. That same day I made contact with the original creditor in which gave me the contact information who they had sold off the collection too. I was never notified or called once by security credit services ( new debt collector ) and still have not received anything until this day. I 've made several attempts to contact the company which always ends in failure. I do not know what else to do at this point