davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (TX)

I am soooo Upset!!!!!!! I cancelled a purchase from XXXX in which I was to pick up the merchandise from a local store. I did not go to the store, instead I canceled it. Per Rushcard member services, I would need to fax over an authorization hold reversal form from XXXX with trans info stating to release hold. I get that done, then the reps say they can not do it because of a policy they have in place with XXXX that will not allow them to release the hold. I know they can release the hold because I 'd had them release a hold before. Now it 's school time and they are holding my funds from me doing what I need to do!! I swear I am going to do away with Rushcard after I get my funds released because since the change in banks, it 's has been a nightmare!!!! Im really starting to hate rushcard after being with them since XX/XX/2009. They may get another lawsuit as far as Im concerned. I call Unirush and they tell me they are sorry for the incorrect info of sending in the authorization release form, but they can not release it.???. So you have all of your reps saying the same thing, but it 's wrong? So much of a scam going on!!!
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$640.00} Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (FL)

on XXXX XXXX 2016 I sent citi aadvatage platinum select a check for XXXX to pay my account in full along with a letter tell them to close my account as i do not pay anual membership fees. the letter was sent to the corispondance address on my monthly statementXXXX XXXX XXXX, XXXX sd XXXX they cashed the check on XX/XX/2016 and payment was not due until XX/XX/2016 today i got my statement and see the following. a. that they did not close my account. b. that they charge me a late lee evven though my {$18.00} check was to pay my account in full less the yearly fee. c. that they are charging me interest. when i called them today and explained the issue they then transfered me to someone who made a bunch of ex=xcuses and discriminated against me as a XXXX american. i talk very lound when i gdo not have my XXXX in and she was telling me to stop screaming which i was not doing and then refused to help me or transfer me to her boss. she also refused to give me her name and ID number so i could file i discrimination complaint with citi bank HQ and hung up on me.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Requested a  Loan Modification i n  XXXX   XXXX  to whence, after this request was consistently told from one moment to the next, the modification was incomplete yet no one could tell me what exactly or explain precisely what was needed. This was drug out until  XXXX   XXXX . What started out as a debt of about {$2000.00} ended up being close to {$8000.00}!!! Now, as I got ready to make my payment today, I am not hit with an additional {$400.00} or fees on top of my mortgage. The lender took me through much grief, worry, sickness and inconvenience only to tell me in  XXXX  or  XXXX  that I was denied because I had a modification 2 years earlier which was also a scam as they suckered me into a balloon payment of over {$18000.00} at the end of my mortgage. I have a total packet of over  XXXX  pages of back and forth issues and constant submissions.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (MD)

I had paid off my Nordstrom account in    2014  at the  XXXX   XXXX  located at  XXXX , Virginia. After several months had past  Nordstrom  closed my account for none payment. I continue to call their Credit Department to resolve this matter. I had went back to  Nordstrom  at the  XXXX   XXXX  in  XXXX , Virginia and had several conversation with the Customer Servi ce Manager regarding my previous payment. I give them my Nordstrom credit card and my receipt of payment. At that time the manager stated did I give the Cashier my credit card when I made my payment and I stated yes. They continue to call the credit department and compare my receipt with my Nordstrom  credit card. After a timely investigation they discovered my payment was applied to someone 's account. The credit department apologized over and over again and stated that they will be transferring the money back to my account and any fee 's or delinquencies will be adjusted. At this present time I have never seen any transfer 's back to my account,
Consumer complaint received 2017-06-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CJA Auto Sales, Inc. (NV)

Cactus Jacks Auto- I filed a consumer complaint with the Departm ent of Arizona Emissions due to a vehicle that was sold to me and found out through this department that the emissions were not ever done prior to selling me the vehicle and I signed a document when purchasing that this was done. I have attached documents for verification. The balance due that is being reported is definitely inaccurate and when I disputed my credit card company for the down payment of this vehicle the company did not dispute it and I was refunded my down payment. There is a lot of elements in regards to this matter. This car more than likely sold through auction and there was a recovery of the amount due as well. Which I never received any documentation on what had happened to the vehicle after they had taken it back, which is usually the procedure after a car is repossessed. But this car was sold under the pretenses that it legally passed smog and according to the dealer the car could have caught fire if I had continued to drive the vehicle due to electrical tape wrapped around wires .
Consumer complaint received 2017-06-14
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: WELLS FARGO & COMPANY (NY)

On  XXXX / XXXX /  XXXX  ,  XXXX  inquiries I did not initiate.    Wells Fargo     XXXX   XXXX   XXXX   XXXX   XXXX     Please  remove from my report at all three credit bureaus.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I got behind and tried to do a modification. The doubled my house payment and are not applying any of the payment to principle. Taking their " fees '' off the top. Tried to do a short sale. They said that would take 30 days and they would " think about it ''. Have repeatedly been told by the company I should just let it go back, in other words foreclosure. I had a guy willing to buy for  XXXX  less than owed and they rejected. House needs lot of work. They have been impossible to deal with and Im going to be homeless because I cant pay double payments. I feel like they have oushed me into foreclosure, and the worst part is they act like they have done me a favor. Its a shame. Im not working right now and struggling just to hold on. I am currently caught up on their sorry modification plan, but it still shows like Im behind with all the credit reporting companies because they arent reporting it as paid. So any hope I might have of getting another place will be hindered by this. I have been told the second I miss a payment legal proceedings will be started.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On or about XX/XX/XXXX a checking account was opened with Citizens Bank in XXXX, XXXX. On the checking account we added XXXX names-XXXX ( father ), XXXX ( mother ), XXXX ( daughter ) and XXXX ( son ). Our daughter and son were at college so we thought it would be best to have them on the account so that they can use it for their needs. My wife in I then opened a savings account with Citizens Bank on or about XX/XX/XXXX. Since we were going to begin getting gas royalties checks. However, since Citizens Bank has a policy that charges you for making so many savings transfers to checking we decided to close the savings account on our own on or about XX/XX/XXXX. We used the bank like we would use any other bank, made deposits and made withdrawals. Never having any overdrafts or other banking issues with Citizens. Then for some unseen reason we get a letter in the mail from Citizens Bank that you have 10 days to change your banking services that Citizens Bank was closing our checking account on or about XX/XX/XXXX. We contacted the proper area within the Citizens Banking ladder and were told, " We do not have to give you a reason for closing your account ''. End of conversation! We thought alright not a problem we opened an account with a local savings and loan in our community. All is well correct, wrong! My daughter ( XXXX ) graduates from XXXX XXXX and needs to open a checking account with a bank that will be close to XXXX, XXXX where XXXX will be doing a 24 month XXXX. My wife and XXXX go to the local XXXX XXXX to open an account only to be denied since my daughters name appears on the, " XXXX XXXX '' consumer report. Not only does my daughters name appear on the account, my son XXXX, my wife XXXX, and I, XXXX all have a consumer report from XXXX XXXX ( Citizens Bank ). Attached you will see my daughters and my wifes XXXX XXXX  file disclosure. There is no reason stated on the report and the files have been purged, so there is not even a record as to why the checking account was closed. We made contacts to XXXX XXXX and Citizens Bank-XXXX XXXX from the Office of the Chairman on about XX/XX/XXXX. We have been in contact with both companies since XX/XX/XXXX numerous times to get this resolved, nothing have been resolved at this time. This is causing my family embarrassment and pain. We are informed that this so called consumer report stays on our record for 7 years and we have done nothing wrong based on the report itself and as banking consumers. This bank ( Citizens Bank ) has ruined my familys credibility with all banks and making it very hard for my XXXX children to establish a banking account on their own as adults. I can not settle for nothing more than all XXXX of our names removed from XXXX XXXX immediately. Citizens Bank has the authority to remove all of our names and refused to do so to date.
Consumer complaint received 2016-08-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have XXXX accounts with TD Bank. Select savings and checking accounts. I requested to link both accounts with the savings with the highest amount. I also requested for overdraft protection so that when ever the checking went low, funds would be taking from the savings when I made purchases. The savings account always had over {$1000.00} in it. I have been unfairly charged overdrafts fees over {$1500.00}. My branch has refunded about {$600.00} and says I have to make a report to get the remainder of {$900.00}. From the corporate head office. Apparently TD BANK is known for that and have several people tell me they have similar issues. My concern is I always had funds in my savings account so I do n't understand why I will be charged overdraft fees whiles both savings and checking connected. Please help me get the refund of the remaining amount which is {$950.00}
Consumer complaint received 2018-04-16
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: Duvera Billing Services, LLC (IL)

THIS ACOUNT HAS BEEN DISPUTD BEFORE AND SHOULD NOT BEEN MY MY CREDIT FILE, THIS COMPANY IS UNKNOWN TO ME AND DOES NOT HAVE AUTHORIZATION TO HAVE MY PERSONAL IDENTIFYING INFORMATION UNDER FEDERAL LAW, AND FDCPA GUDELINES.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen raised my monthly payment wrongfully after stating I did not have " acceptable '' insurance. I disputed the amount of escrow they charged, and did not pay that amount while it was in dispute. I did make my monthly payment, and have an unblemished payment history going back for years. They filed a negative credit report with the credit reporting agencies saying I had missed a payment, which was false and untrue. I have never missed a payment. Now, my credit score has gone from " Good '' to " Poor '' thanks to their screwup in wrongfully saying I had missed a payment, which the record shows I have not. 

Also, I have not heard from Ocwen about my complaint to you and them that they wrongfully raised my mortgage amount by more than {$400.00} a month to pay the escrow for an alternative insurance policy they bought for me, which I did not need because I had insurance already and sent them numerous notices to that effect. 

This is victimization of homeowners at its worst, and I want this stopped, my credit score fixed by having them withdraw the negative report, and all monies payed to them wrongfully for the outrageously high, unnecessary increase in my escrow amount to be refunded.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all three credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all XXXX bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

Reapectfully, XXXX
Consumer complaint received 2017-07-07
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. (GA)

I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX-XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX., XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

I should not owe any more money to XXXX XXXX ( XXXX ) for transitional funding loans taken out XXXX, according to XXXX 's loan terms in writing in the XXXX Transitional Funding Guide on page XXXX as well as in the emails sent to me from XXXX Grants and Loans. I was supposed to start repaying XXXX XXXX XXXX, and only when a loan repayment is overdue by 61 days and only then will the {$20.00} late fee start applying and that the loan taker had until XXXX XXXX, XXXX before sent to collections, but my loan account was sent to collections in XXXX XXXX. XXXX emails said XXXX MIGHT charge the {$20.00} late fee, but they never did. Instead, what XXXX did was have ECSI charge me a XXXX % late fee on my account in XXXX. XXXX, and XXXX gave no warning of this, and it was not in the agreement. 
I paid in full the original loan of {$5100.00} in XXXX XXXX - I have a copy of my check ( apparently my check did n't get applied to the account until XXXX XXXX, XXXX ). I emailed XXXX in XXXX when I saw that the check had n't cleared yet. But XXXX via ECSI sent the loan account to collectors XXXX XXXX XXXX and I disputed the XXXX % late charges that XXXX/ECSI applied to my account XXXX XXXX which is what is still showing as remaining on my account. If any late fee was to be charged, it should have only been {$20.00} late fee ( each month over 61 days past due ) certainly not the {$1700.00} ( XXXX % late fee -- which is now showing as {$1200.00} for some reason ) which XXXX via XXXX XXXX XXXX are trying to collect from me. I sent documents detailing the dispute to XXXX XXXX XXXX last year. My credit score was already impacted when XXXX sent this to XXXX XXXX XXXX last year. Then XXXX sent the account back to ECSI to start this process all over again, which seems highly suspect. Now XXXX is sending my account back to collections XXXX XXXX XXXX a second time, which I disputed last time. All this is just going to cause more hassle for XXXX and XXXX XXXX XXXX, because I dispute and am not paying that XXXX % fee. I believe that XXXX needs to honor the agreements that are in writing in the emails sent to me and in the XXXX Transitional Funding Guide. The most I am willing to pay is the {$20.00} late fee, but I should n't even have to pay this late fee as I already paid the original loan in full last year. XXXX XXXX will deal with me in a fair and transparent manner. Telling me I would get a {$20.00} late fee in XXXX XXXX and then having ECSI charge a XXXX % late fee without telling me is wrong. XXXX has their loan money back- I repaid it last year. There is no reason to draw this out further, wasting time, money, and re-reporting this to a credit bureau again. Let 's come to a close with this. Let me know what XXXX will do to honor the loan terms in writing ( XXXX Transitional Funding Guide & XXXX Grants & Loans emails ) instead of trying to charge me a XXXX % late fee on an amount that was n't supposed to be charged.
Consumer complaint received 2017-07-06
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. (FL)

MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION (AND HAS A RIGHT TO DO THAT) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED (AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?
This makes no sense, being they cannot do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.
Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error...whatever, they should have the ability to go in and correct the FICA score and according to XXXX, they are not allow to do that.