davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (VA)

In XX/XX/year>, I was sued, but I did not become aware of it until I performed a random search of my name on Marylands case search software on XX/XX/year>. It was then that I discovered I had a scheduled hearing on XX/XX/year>, despite never having been served. I decided to attend the hearing to resolve the matter, but the other party was unprepared. Nevertheless, I agreed to pay {$3000.00} by the end of XX/XX/year>. 

In XXXX, I experienced a financial crisis and asked if I could settle the debt with a {$500.00} payment, which they declined. Instead, they threatened to inform the court that I had no intention of paying the original {$3000.00}. On XX/XX/year>, I submitted an online payment of {$3000.00} through my XXXX checking account. Although I received an immediate confirmation on their website, the funds remained in my account for several days. I called on XX/XX/year>, to confirm the payment, only to be told that they were not processing it because they do not accept " web banks. '' I was not informed of this policy for XXXX days, despite their website only stating that debit and credit cards are not accepted. 

They agreed to accept my {$3000.00} if I paid by XX/XX/year>, which forced me to find an alternative payment method at the last minute without prior notice. I obtained money orders as a solution, but when I returned home, I received a letter from the debt collector, dated XX/XX/year>, stating that they would not accept my payment. They claimed that I was no longer in compliance with the previous arrangement. Despite my efforts to meet the payment terms, they are refusing to accept my payment and are attempting to make it appear as though I am intentionally defaulting on the agreement.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

During the Equifax Security breach on XXXX XXXX, 2017, I was one of millions of Americans who had their information leaked to a hacker ( s ), including my social security number, credit card number, address, DoB, etc. This is extremely nerve-wracking, as I 've seen identity theft ruin both friends, and family members lives. 

While nothing has been taking from me yet XXXX and hoping that this does n't change XXXX, I ca n't help but live right now with the constant thought that somebody out there can make an attempt to get a loan, credit card, etc. under my name, causing my future financial status to be at stake. 

While the company has n't done anything yet, investigations are being done to help those with issues.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

We are representing a home owner in initiating a Short Sale for his home. We submitted all documents to get the sale date postponed and we were told that the date was postponed for 45 days. The sale date was set for the following day before confirmation of postponement. The property was then auctioned off to a third party. We were never told that the property was going to auction or that they canceled the extension. Now we have been trying to get the lender to rescind the property but they are not reaching out to us after informing us that it was in fact their mistake. We have reached out to managers, escalation dept, liquidation dept and to other high level corporate supervisors. We still have no resolve and have not heard from anyone in over 10 days. Despite several failed attempts, emails and voicemail left. The lender involved in this complaint is Shellpoint Mortgage. Now that we are constantly reaching out to the lender it almost feels that all representatives in their office have been advised to not cooperate with our office. We have been told by several agents that the notes in their systems reflect a postponement of 45 days. Any help or insight with this matter would be greatly appreciated. The homeowner, myself and our firm are continuously being given the run around with no resolution.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

They sent letters stating they would resolve the issue and they never followed through by the dates they said they would instead thet past it off to XXXX. 
They said they would modify then they sent the payments back. ( see attached letters ) They have been holding me financially hostage since 2010. I have a family to take care of I 'm a single mother and the only income earner and now have a XXXX.
Consumer complaint received 2017-08-21
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. (GA)

I contacted Equifax on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently heard about identy thefts while preparing for a refi home loan and decided to sign up for credit monitoring with Transunion. I attempted to pay the XXXX monthly fee but it told me we can not offer you this at this moment to call them. I called them several times today XXXX/XXXX/XXXX and they told me it was company policy to ban me for life from the credit monitoring. they then told me nothing could be done about this. I told them I have n't looked at my credit since XX/XX/XXXX and they said they were sorry but the system could n't be fixed to allow me access to the monitoring service offered by Transunion. I told them that I went to the free ones and information was out dated and I wanted to go the the most reliable place to go. I do not understand why I am being black listed and for what reason they would ban me. I did some research online and found that others were banned from checking their credit to often. well I have to admit I was on true credit back then and I checked often because it was unlimited and I was preparing to buy the home I am currently in which I purchased on XXXX XXXX, XXXX can you please help me get them to remove the lifetime ban on my credit monitoring service offered by Transunion XXXX my name is XXXX XXXX XXXX. phone number is XXXX my address is XXXX XXXX XXXX XXXX , XXXX Tx XXXX XXXX
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We attempted to achieve a lower interest rate through both XXXX and Select Portfolio Services. We submitted paperwork to XXXX for over 11 months they then transferred the loan to SPS and we started the process over and they continually asked for the same documentation over and over. We insited we did not want a loan modification we simply wanted a a lower interest rate. They said no probel. Finally after XXXX plus months they denied our request because we did not qualify for the loan mod because we made to much. This delay will now cause us to pay higher interest rates if we re-finance because rates are now rtisiong. They continually did not return phone calls when we complained they were rude to my wife and stalled. They are now harrasing us for a payment they say we owe, which we believe we do not, as you can see we pay between the XXXX and XXXX of the month on line. This is an issue left over from an XXXX mistake. 

We just want this issue resolved and SPS to reimburse us for our time and the lost funds a higher interest rate is going to cost us.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (SC)

I have been trying to get a loan modification with Ocwen. Over the last three months I have been given conflicting information. Some examples of this are : 1. On XX/XX/XXXX I spoke with Loss mitigation rep XXXX ID # XXXX. She confirmed she received my profit & loss statement through XX/XX/2016. On XX/XX/XXXX XXXX XXXX ( XXXX ) ID # XXXX told me they never received any profit and loss statement from me and it needed to be resent. 
2. On XX/XX/XXXX I spoke w/ XXXX ID # XXXX who told me I needed to send in a new RMA and paystubs and an explanation for a discrepancy ocwen claimed was in the YTD of my payroll ( they refuse to send this 'discrepancy ' in writing so it can be reviewed. I see no discrepancy and neither does my payroll manager. ) on XX/XX/XXXX XXXX ID # XXXX told me those documents were never requested. 
3. On XX/XX/XXXX I asked XXXX # XXXX to escalate the file as I felt I was being given false information and there was a lack of competency on the part of Ocwen and my modification. She said she did n't know how to do that or what that was. After I told her I was going to complain to the CFPB, she told me she COULD escalate the file. She refused to comply until threatened with the complaint. 

Basically, Ocwen is fighting me tooth and nail because they want to illegally foreclose on my home. They so far refuse to review me for loan modification in good faith. I have been lied to given false information over and over. I need help.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We had a collection account for a credit card with Bank of America through XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency. XXXX offered us a {$4600.00} settlement of the debt approved by Bank of America of an original balance of {$6200.00}. We accepted the settlement with the agreement that the debt would show paid in full on our credit reports and no further obligation. We received a letter in writing from XXXX stating that the account will be considered settled and we will not be obligated to pay the remaining balance. Our credit reports were updated ; however, the balance now shows {$1600.00} instead of XXXX as agreed upon. My husband contacted XXXX yesterday, XXXX/XXXX/2016 to inquire about this. They advised that we would have to contact Bank of America. My husband then called Bank of America and inquired explaining the agreement that we have in writing. They informed him that the balance will remain unless we pay it for XXXX to 10 years on our credit reports. He explained the letter we have in writing that says it is settled with no further obligation. They continued to state that the balance would remain. My husband called back a 2nd time to speak with someone else and received the same answer. Based on this response it appears that we were misled and lied to by both XXXX & Bank of America per the agreement.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (PA)

In having a very hard month and being unemployed and searching for a job, I check my account balance on a daily basis. on checking my account on a Saturday. I saw that a scheduled charge had gone through on that day, which had made the account negative. I had checked the day before, on a Friday, and the account was not negative. on seeing that the account was negative on Saturday XXXX, for the first time, I proceed to borrow {$20.00}, from a friend to deposit, in the account to ensure that the account wont be negative. I never believe that any account should be in the negative, no matter how dire a situation is. 
This action on Saturday XXXX, removed the account from the negative. and all was well. the account was out of the negative. until the following Tuesday after the holiday, to my The bank to my dismay charge me {$40.00}. I am currently seeking employment and have no money to buy food to make. I checked my phone right after I saw the {$40.00} charge ( with no money ) and my account statement indicated incorrectly that I made the {$20.00} dollar deposit on that following Tuesday and not the Saturday of the XXXX. That 's a huge lie!. I have my deposit slip, which proves that the deposit was made on the Saturday XXXX. I then walked XXXX mile to the bank ( no car ) to get an explanation, and they humiliated me, because I am an XXXX XXXX man. any opportunity to humiliate an XXXX XXXX guy who doesnt look " correct '' is most welcome. talking loudly so everyone could here, afterwards then pleasantly dismissing, me. My deposit slip, and they refused to see it. They said the bank ordered them to do so. They didnt care what I had to say. Bank personel must have repeat that they couldnt do anything almost 5+ times. I need my {$40.00}, back as it is all I have left for the next couple of weeks. I am not a liar as they made me out to be. I have my deposit slip.
Consumer complaint received 2017-04-29
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: EQUIFAX, INC. (MI)

On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (TX)

I pulled my credit report along with using XXXX XXXX, I have sent a letter to the company with no avail. I have not nor have I ever done business with this company.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX v. XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

The letter and check dated XX/XX/XXXX was accidentally misplaced and never opened until XX/XX/XXXX. On XX/XX/XXXX a representative and then a supervisor stated that any check issued more than a year ago would not be reissued when I called the number at the bottom of the letter from Portfolio Recovery Associates. The first call that I made to XXXX was answered by a representative that gave me a number to call and that number gave a busy signal repeatedly. The second representative told me that it had been more than a year since the check was issued and that they had been " told today that no more checks would be reissued. '' When I questioned the over a year statement and then the told today no more reissues statement, the rep said that she had been misinformed. I asked by whom because she had not spoken with anyone but me in the past several minutes. I asked for a supervisor and the supervisor told me that the check had been issued XX/XX/XXXX and that it was over a year and could not be reissued. I told her that the check was issued with the letter from XXXX on XX/XX/XXXX and that it had not been a year. The supervisor then told me that it did not matter, that the bank account that the checks had been written on was a contracted account for the purpose of paying the litigated amounts and that it was no longer active. I contacted the CFPB by phone and the man I spoke with suggested that I contact the bank the check was written on. I did so at the number he provided and the bank confirmed that it was an active account. I feel that the representatives acting and speaking on behalf of Portfolio Recovery Associates , LLC attempted to deceive me by changing the dates and reasons that they would not reissue a check in an amount that they clearly owe me. I believe that the supervisor told an absolute lie about the bank account being closed and lied about the date of original issue to attempt to stop me from pursuing the attempt to acquire the money that XXXX clearly owes me. I am not asking for the interest that XXXX has accrued from this amount of money that they owe me, simply a reissue of the check in the amount of {$1400.00}.
Consumer complaint received 2017-03-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Please find the above collection agency by submitting a false sale from XXXX. 

1 ) They allege that they purchased the debt from XXXX # XXXX in the amount of {$2300.00}. 

2 ) This is false as they failed to supply how much did they really pay for the alleged debt from XXXX # XXXX. 

3 ) They also failed to provide proof of each item of the allege debt that totals {$2300.00}. 

4 ) They have failed to provide the credit card agreement with my signature. 

This fraud must be investigated
Consumer complaint received 2016-07-28
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MO)

I have been rushcard member since 2008 and I stopped using it for awhile after the big issue they had before but a friend said if you do direct deposit you 'll get funds a day in advance. So i reactivated it, first direct deposit went through but todays didnt and i banked on getting that money for gas and food and i havent even made it to work and is on hold with them as im writing this 2 hours now. This company should not be allowed to play with people hard earned money and thank XXXX i didnt deposit my whole payroll check or id be in hospital for having a XXXX XXXX. Its not right!!!!
Consumer complaint received 2016-10-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I sent a notice for verification they did not give me the original date of the charge off on this account, nor could they give me a copy of my original signature card and if they were license in the state of CA. I did not get verification with the 30 days and they are refusing to delete this false information off my credit report
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

On XX/XX/XXXX I called Toyota Motorcredit in reference to an auto loan that I had defaulted on. Prior to my default, I had made consistent payments for approximately 30 out of the 60 month loan agreement. I had a house fire XX/XX/XXXX that claimed my home that I was currently renting as well as all of my familys personal belongings. We left what was left of the home with the clothes on our backs. My daughter XXXX and was admitted to XXXX Hospital for XXXX. This incident made XXXX XXXX XXXX XXXX ( PA ). On XX/XX/XXXX, Tragedy struck yet again.. I was traveling XXXX in XXXX County, PA when I was XXXX ... the end result ... XXXX..Thankfully everyone walked away with XXXX due to the fact that I maintained a safe speed during the accident. Insurance company was going to total the vehicle, After explaining that I was unemployed and currently recieving unemployment, they made the decision to repair the vehicle under the stipulation that 1 ) They pay for 30 days of rental coverage and anything thereafter, I would be responsible. This is when all of my financial troubles began. I did infact hide the car because it was all I had left. My intention was always to pay for my car..but when one month turned into three ... then six ... etc ... I was just too far behind to catch up on my payments which were {$530.00} monthly. At the time I purchased this car I was employed with XXXX XXXX XXXX and made almost {$20.00} hourly so it was affordable ... until I lost my job. XX/XX/XXXX, I used a combination of my school refund check ( XXXX University ) and my income tax from a XXXX. When I made the phone call to Toyota, I was transferred to a different department where I spoke to a female named XXXX, I was never informed that the vehicle had been charged off. She asked how much money I had and I told her XXXX ... We agreed on that amount being sent via XXXX to settle the debt. I was offered the settlement via phone and now it is not being honored. My credit Report reflects that I still owe {$1900.00} and they are refusing to release then title of the vehicle to me. I also was not given the mini-miranda. I need my settlement to be honored and my title to be released to me. I made XXXX % of my payments to Toyota via XXXX and have ALL of my receipts including the final of XXXX. However that payment was split into XXXX as I was advised by the representative that I spoke with to do XXXX for $ XXXX and XXXX right after for $ XXXX. I did exactly what was asked of me to no avail of them holding up their end of the settlement deal. This debt reflects on my CR as a " charge off '' and does not reflect the $ XXXX payment that they recieved on XX/XX/XXXX.
Consumer complaint received 2016-05-23
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (FL)

In XXXX 2016 i sent the funds to XXXX for XXXX $ $ so ... i paid pretty big fee for the that service and western union was supposed to reward me for XXXX $ XXXX gift card for placing the order as me being a new customer. The incentive never was awarded.. i indicated the email that WU was supposed to use XXXXXXXXXXXX. I gave them a call to discuss this issue but they continue saying to keep waiting which does not make any sense. Hopefully you can help me