davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

I missed a monthly mortgage payment earlier this year as a result of a temporary shortfall in income. At the time I made the decision not to pay the monthly payment, I had a solid plan in place to get the account back to current within two months based on the return of scheduled income. Once I fall behind XXXX days on the account, the bank got involved and started introducing a series of bank programs and processes that made it increasingly more difficult to get back to current. These programs were accompanied by additional fees and charges, as well as the fact they bank would not accept monthly checks but required XXXX check only for the sum of the total due. They issued multiple letters with inconsistent terms and conditions and proceeded to change their positions as to which letter was the letter of record. Net result was what was XXXX days past due approached 90 days past due ( totally due to bank policies and programs ) not my ability to pay. These policies and programs generated additional revenue for the bank, and caused unnecessary hardship and stress to me.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to express my deep dissatisfaction with XXXX, Experian, and XXXX for their failure to remove old, outdated, and incorrect information from my credit reports despite my repeated requests. I have sent multiple letters to each of these credit reporting agencies, clearly outlining the errors in my personal information and providing the correct details, but they have not responded or taken any action to rectify the situation. 

The inaccurate information on my credit reports includes false employers and phone numbers that do not belong to me. These errors could have serious consequences if they are not corrected promptly, as they may impact my ability to secure employment or financial services. I have attached copies of my Driver 's License, Social Security Card, and Pay Stub to verify my identity and facilitate the correction process. 

It is crucial that XXXX, Experian, and XXXX adhere to the Fair Credit Reporting Act ( FCRA ) and ensure that the information they report is accurate and up to date. By failing to address these inaccuracies, they are violating my rights under the FCRA and causing me unnecessary distress and potential harm. 

I urge XXXX, Experian, and XXXX to take immediate action to remove the incorrect information from my credit reports and provide me with updated and accurate reports. I expect a prompt response and resolution to this matter to avoid any further escalation of this issue.
Consumer complaint received 2015-06-03
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Receivable Asset Management (IN)

Kramer & Associates is contacting co-workers, family and friends who are not listed as references anyway. They disclosed to my mother that they were a collection agency ; they have left messages on my work phone and continually harass my cell phone.
Consumer complaint received 2015-09-18
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (GA)

I sold a phone on eBay. The seller paid via PayPal. PayPal waited until I shipped the phone to the customer then froze my account because of a debt they claim I owed in 2004. I was never sent a letter about this account and they will not show me valid proof that this is my account. They are holding my funds in the account and will not release them.
Consumer complaint received 2015-12-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (AR)

XXXX XXXX, 2015 Dear Federal Trade Commission, This is the problem that I am having. On XXXX XXXX, 2015, I had a wreck in my 2015 Toyota Corolla. Two weeks later forms were needed to complete the process for payment from XXXX. I had to go get an incident report, the breakdown on how XXXX insurance came up with that amount and the amount that was paid from my insurance. Okay this how it all got started. I went to Tennessee where the accident occurred and got the police report because I had all the other documents already to go. I put the documents in the mail the same day. I mailed the information XXXX. When I mailed it off I made sure that the company gets it in a couple of days. Okay I thought the process had begun until I check my credit report and I showed thirty day delinquent. So I called XXXX and asked them why have n't XXXX Toyota received the remaining balance yet from the 2015 XXXX XXXX. They stated that all the information has not been received to get the ball rolling. So I asked what other information that you are talking about. XXXX stated we are still waiting on the police report. I told them I sent it out already. We went back and forth with the same conversation. I told them I paid XXXX dollars for that incident report. I am glad I made a copy of the XXXX I had. So I sent another report out to them. I kept checking every week to see had the process begin. Still no word on when they will pay the remaining balance. So I asked do I need to pay my regular car payment so it will not go on my credit. The worker stated your case is being processed just waiting on the incident report. By that time another thirty days was approaching on my credit report. I just sit there with tears in my eyes because I knew it was nothing I could do because one thirty days had already smashed my good standing credit. I have worked so hard trying to do the right thing with my credit just for this company to give me the run around on finishing paying for the car. When you add extra coverage on your vehicle to make sure it is paid in full just in case something happen, it really happens. XXXX did n't waste any time receiving their portion of the payment every month. But when push comes to shove, they let you down. This is really upsetting to me because I pay my bills and for this to happen it is heartbreaking after I worked so hard to keep my credit in good standing. I have always paid my bills on time and XXXX acts as if credit does n't matters to them. I did have no problem paying them every month. So when I became in need, they washed me under the table. This is my first time dealing with XXXX. They did n't explain to me how the process works if an accident occur. I would n't have let this gotten to the point where it affect my good standing credit. 
I really hope that you carefully look into the matter and contact me with the results. 
Thanks and have a Happy Holidays. 
XXXX XXXX XXXX
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

When refinancing a mortgage for my brother we decided to go with Ocwen. The loan set up officer told us that he had insurance on the loan so if he passed away the mortgage would be paid off. We have a recording of him stating that fact. Two years later my brother passed away. Now they are saying they can not talk to us because they do n't have a record of who the fiduciary is. We have emailed, and faxed the court records numerous times. Every time they say they have not received it. When we call them they put us on hold for an extended period of time and then we are told the person we need to talk to is gone for the day. This has been going on since XXXX 2015.
Consumer complaint received 2015-12-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (PA)

Paypal-i signed up and logged my credit card for a purchase. Only when I began receiving calls and mail from collectors and hours on the phone did I discover I had opened a line of credit and used it without ever knowing. I had to pay fees larger than the original amount and it impacted my credit score.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TN)

When we purchased a large-format, curved-screen TV at Best Buy, we were offered an extended warranty. We declined. Some days later, we received a call from the extended-warranty people, asking if we had made a mistake, warning that we should buy the warranty. 

I was tired, and rather frightened and intimidated by the caller. I submitted, and bought the extended warranty. Afterwards, I came to my senses, and realized that the one-year warranty, which came with the purchase, was sufficient. We did not need or want the extended warranty. 

I called to decline the warranty, and request a pro-rated refund. The person said that it may take " XXXX or XXXX billing cycles. '' This credit company ( Synchrony ) is not alone. 

This customary delay seems to me an obvious ploy by credit-card companies. They could make refunds immediately, or nearly so, if they wanted. At most, they might require XXXX or two business days, not XXXX or XXXX billing cycles. 

Just as they are able to charge consumers immediately, or nearly so, they could refund their money, if they wanted to play fairly, by the same rules, as with consumers. 

I hope the Consumer Protection Bureau might be able to intervene, and protect consumers from this predatory abuse, and common practice, of credit-card companies. Thank you. 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-07-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Integras Capital Recovery LLC (TX)

On XXXX XXXX, 2015, I received notice that I was being sued by Integras Capital Recovery, LLC ( Cause # : XXXX, filed in XXXX XXXX, Texas ). 

Prior to receiving notice of this lawsuit on XXXX XXXX, 2015, I had never heard of Integras Capital Recovery, LLC. Before XXXX XXXX, 2015, I had also never received a demand letter or any form of communication from Integras Capital Recovery, LLC. 

Also, there is a four-year statute of limitations on debt collection in Texas. The alleged debt is more than four years old. 

Finally, I 've just received a XXXX-page discovery request from the debt collector 's lawyer. I consider this to be a form of intimidation and harassment.
Consumer complaint received 2024-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

This is for a closed insurance policy. They are trying to collect a debt from the original company XXXX  insurance. They bought the debt from this company and increased the amount that is owed. I asked them to provide written paperwork stating that I owed them this money or I had a contract with them and they did not provide that
Consumer complaint received 2015-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (NC)

In XXXX 2015, I obtained a copy of my XXXX Credit report. I noticed that a collection account was being reported from XXXX Firstpoint Collection Resources, XXXX. XXXX XXXX, XXXX, NC XXXX from XXXX insurance. This was the first time I became aware of this debt. While, I did n't understand why this was being report, as I have had additional policies from this company in the meantime. I was never contacted about this debt. I immediately called Firstpoint and paid this debt, as I was very worried about the damage to my credit scores. When speaking to the representative from Firstpoint, I was told to dispute this account XXXX to have it removed. I preceded to submit the dispute. Today, XXXX XXXX, I received the results of my dispute. Firstpoint did not agree to remove the account from my XXXX report. While I understand the responsibility of Firstpoint to report accounts to credit reports, I was not given the chance to take care of this matter before it was reported. I have very good credit scores with the other credit reporting agencies. This collection account is going to cause problems when I try to obtain a mortgage.
Consumer complaint received 2016-02-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I had a mortgage home equity line of credit with USAA Federal Savings Bank and in XXXX the account was charged off. In XXXX, they gave me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX was issued. It has affected all my financing since XXXX due to this fact.
Consumer complaint received 2015-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

CMRE Finance. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (PR)

i am having problems whit my walmart credit card i always paid on time by the time they send me the statement of my bill i already have paid them.i am retired i get pay the begging of the mount and i pay them because they sent my statement always late.now the sent me the statement 3 weeks later XXXX inform me that i have a pastdue over my account which is not truth now they dont email me they call at my house all day long .they are harrasment until XXXX
Consumer complaint received 2015-06-04
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I went to CVS to send money via MoneyGram Payments Systems , Inc. on XXXX XXXX, 2015. I paid {$300.00} cash, of which {$9.00} was transaction fee, reference # XXXX. The money was intended for my mother, XXXX XXXX, in XXXX. When she went XXXX XXXX to the designated bank in XXXX, they informed her that the money was never transmitted. She tried again on XXXX XXXX with the same result. That same day, XXXX XXXX, I contacted MoneyGram about the problem. They told me that my name was incorrect, even though my receipt shows my name accurately. Then they transferred me from XXXX person to the next. I spoke with XXXX people that day. The names I have are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX did not provide a name ). The call lasted over XXXX hours. The last person, XXXX, opened a case, provided case # XXXX. She said she would give me a call after they investigate. They also said that " someone '' had requested a refund, but refused to explain what they meant, who it was, when it was, or any detail. At this point I was highly suspecting FRAUD. 

After 5 days, I had not received any call, so I called MoneyGram again on XXXX XXXX and spoke with several people, once again being transferred repeatedly. They ended out telling me that I would have to wait up to 3 weeks for resolution. They still have never called, not once. When I called again various dates they were unable to provide any information. They said they would assign a single agent to investigate, but they did not provide a name or contact or any confirmation. Later, they increased the time for resolution to 90 days! During my calls with MoneyGram, customer service was downright terrible and unprofessional. Repeatedly being transferred to persons that could not help, and long hold times was very frustrating. The last agent, XXXX, to whom I spoke with would not transfer me to the escalation department even though I had a case number. Instead I had to re-explain my whole situation again. Then I was transferred to a supervisor named XXXX, who did not offer any kind of apology, provided the same canned responses, and then suddenly hung up on me when I said I was not satisfied.
Consumer complaint received 2015-04-22
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Green Square Company LLC. (TX)

i received a voicemail stating i needed to call Premier Recovery Group concerning a complaint regarding my social security number and if they did n't hear back from me, they were going to contact my employer.when i returned the call to XXXX a young man named XXXX answered He gave me information concerning a debt without verifying who i was other than asking my name. He stated that i needed to take care of this debt before they began legal proceeding against me. when i asked him to send me a verification of debt letter, he began calling me a liar and a thief then proceeded to hang up on me.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

The information on this account has been changed XXXX times incorrectly. My XXXX  credit card account originally showed up as being late in the month of XXXX. I disputed this information because the account was never late. Shortly, there after the account was fixed and showing that it was on time for XXXX and the late payment history was removed. Then about XXXX weeks ago the account was saying that it was on time for XXXX, but was now late for XXXX. Which made no sense because it was the beginning of XXXX then I disputed this account again and the result was that it was late for XXXX, but on time for XXXX. Which again makes no sense. Again this account has never run late! So the information has changed twice and is still incorrect.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request the removal of an unauthorized hard inquiry from my credit report. This inquiry was not initiated by me and I believe it is a result of identity theft. 
Please let me know what additional information or documentation is required to process this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

Financial Asset Management Systems ( FAMS ) has continued to threaten to restart interest on my student loans which is currently at 0.01 %. FAMS has repeatedly threatened to restart interest at 8 % in order to continue to get payments from me which is an flagrant violation of the Fair Debt Collections Practices Act. FAMS has continued to threaten me that they could restart the interest to 8 % if they do n't get payment from me which is an abusive practice and violation of the Fair Debt Collection Practices Act. FAMS continues to make these threats as a coercion tactic to get money from me. These practices are flagrant violations of the Fair Debt Collections Practices Act.
Consumer complaint received 2015-07-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION (AL)

We began dealing with Regions mortgage lender, XXXX XXXX, on XXXX XXXX. We are first time home buyers and have had a terrible experience with our lender. She has told us on several different occasions in emails that she was going to overnight us sensitive material and eventually emailed the information for us to sign and scan back to her through email. She never explained any of the information we signed. We had to order our own home inspection because she kept telling us she would and never did. We signed documents that state our home was built XX/XX/XXXX, which it was built XX/XX/XXXX. We have been told it is our insurance company who she is waiting on to be able to order a closing date and when we contacted the insurance XXXX was told he too was waiting on a closing date. We confronted our lender and was told the closing date is taking so much time because we did not submit an employment letter until XXXX XXXX and again on XXXX XXXX. We have asked our lender to be honest with us and to communicate effectively with by keeping us informed about the loan process. We have contacted her supervisor, XXXX XXXX, who inquired about the loan process and was unsuccessful at getting a remedy for our problem. The home inspection was completed on XXXX XXXX and the lender did not have the appraisal ordered until XXXX XXXX. The appraisal was completed on XXXX XXXX and submitted his report on XXXX XXXX. We continue to wait on a closing date. We were never spoken to about the rate our loan would be nor the monthly payment. We have contacted the lending supervisor on XXXX occasions and the XXXX time she did not call us back after we explained to her about the lack of communication with our lender. We began this process on XXXX XXXX and it has been a nightmare. We have been told the lender was waiting on a FHA loan number and several other excuses for her lack of communication with us. We can not express to you how tired we are of dealing with Regions and feel our hands are tied because we want to close on our new home and it will take even longer to close if we use another lender. Our credit scores are XXXX and above. Please help us resolve our problem and prevent this problem from occurring in the future. We just want to close on our home.
Consumer complaint received 2015-12-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

I was late on my mortgage payments and decided to sell my property, however I have a XXXX tax lien hold that I have been trying to clear form IRS as a lien hold on my house, NOW that I have finally fixed the issue and have a buyer that will buy my house AS IS, the lender Wells Fargo is NOT being cooperative and taking too long for the process plus they have put me in FORECLOSURE status and NOT willing to extend my DUE date of XXXX XXXX 2016 ... On top of HOLIDAYS!!