davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

A company named ERC is harassing me about a debt which I do not owe and never have owed to  XXXX   XXXX   XXXX . This amount was billed to me by mistake man many years ago and I just keep getting annoying and false statements asking me to pay and that I owe this. But I had disputed and won this sum against  XXXX   XXXX   XXXX  while I still had an account with them. Whatever this company ERC are still harassing me about is false information and not any amount which I owe. I do not owe this and it was a mistake and now they are reporting to all  XXXX  of my credit reports that I am in collection and they keep calling my house after late times and wanting to speak to me, this is crazy and I do n't understand why and where they have obtained my information and social security number. Can someone here help?
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.
Consumer complaint received 2017-06-05
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: EQUIFAX, INC. (NY)

I have a business credit card from   XXXX   and they used to report it to my personal profile, however, after I disputed it  XXXX  and   XXXX    removed it based on it being a business account however, Equifax still did n't delete it.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My name is  XXXX   XXXX  and i have been trying to work with my lende r Select Portfolio Servicing to obtain an affordable modification payment for my property and have constantly gotten the run around and now i am in further in default and  afraid to loose my house. I was approved for a forbearance plan which double my mortgage payments, I believe my Home Owne rBill Of Rights have been violated by my lender as I have not had contact with my single point of contact. Additionally every time I call I always get a different story from different people.
Consumer complaint received 2016-05-10
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc. (MI)

This debt was sold because when I requested information from the debt collector they just simply sold the debt to keep from disclosing information. This debt collector did not verify they have a license to collect in Michigan and I want them to report to all three credit agencies that this debt is disputed.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX was used online fraudulently. I notified Wells Fargo, they cancelled the card and said the fraud dept would investigate the fraudulent activity. They then proceeded to report that I was late with payments!!!! The balance was from the fraud! I 've never been late with a payment in my life!!!! My credit score is tanking ... Pls help
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I 'm a XXXX XXXX adult and Bank of America stole over {$340.00} of my XXXX money from a new checking account that I opened in order to prevent any fraud from occurring on my account again. On Friday XXXX XXXX just prior to XXXX CST when the claims department closes they removed the money from my new account without any warning or offer for payment plan. I still dispute the credit reversals that led to a negative balance after I closed the account at a local branch. Every banker I 'd previously spoken to said that my new account could not be touched by the bank or anybody but myself. I had no means to prepare for the sudden removal of almost all funds I had left, since I 'm on XXXX. They offered a friend of mine payment plans and additional help many times, though. I have visual documentation of all these events. I also have recorded information that proves they acted illegally by stealing funds from my new account. I want them to refund the money, explain why they did this, and compensate me for the money I had to borrow for immediate health purposes. I can prove all of this. Please help me, please. I have nothing left even for food. I also want them to pay a penalty fee to me for hurting me like this. I beg of you to intervene. Tell me what proof you want.
Consumer complaint received 2016-05-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ORG GC GP BUYER, LLC (OH)

I have a loan from XXXX, I 've made payments along the way, I 've filed for forbearance and economic hardship back in XXXX and XXXX. I received a call at work last week from a collection agency, I have no idea how they got my work number, I gave them my cell number, I had a talked to a young lady who asked about my income and wanted to know my family size. I received a letter stating that I need to give them a copy of my prior year tax return, IRS transcript or an authorization for IRS transcript. They are not the originator of the loan. I requested a copy of the original loan and was told it would take 6-8 weeks to receive a copy. I do not feel comfortable giving this information to them. The young lady told me that she could have called my payroll office to get the information to begin garnishment, but she wanted to talk to me first to see if I could provide her with the information. At this time I am just getting by with what I make, I can not afford to pay anything right now. They want to get me enrolled in a " 15 % rehabilitation program '' only to have someone else purchase the loan after I make " 9 qualifying payments. '' The company is out of Texas, but they call from a local number, they also an OH address on the letter. They are giving me 30 days to give them this information. There is a note at the bottom that states the amount owed, but because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. That statement makes no sense, how can a payment plan be calculated if the charges may vary day to day? Please Help! Is this legal? Do I have to give them this information? 
Can they garnish my paycheck?
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NC)

Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had.
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo ( or a company purporting to be from Wells Fargo ) robo calls my work number at least five times a day. When I do answer, no one is there. When I attempt to call them back, I 'm put on hold with a recorded message playing and no one picks up. Please stop the robo calls to my job as each call is recorded on my phone record and it does n't look good to my employer. The number they are calling from is XXXX XXXX XXXX XXXX. I had an account with them a few years ago, but they have sent nothing in writing to my home address, nor tried to reach me at my home. They should have all that information in their files.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

Our mortgage for an investment property was with  XXXX   XXXX . We recently had some financial difficulties because my wife was on   XXXX   XXXX    XXXX  and I ended up having to have emergency   XXXX    XXXX , as well as the fact that work needed to be done on one of the units and it meant that we were not paid for sufficient rent for almost 3 months.      XXXX   XXXX  sold our mortgage to Shellpoint Mortgage. We made arrangements to send them a payment which they promptly sent back. When i called to find out what was wrong ( thinking I had put the wrong account number, etc .... on it  )  I was told that the amount paid was not enough and they would need at least 3 months of payments from us before they would accept  one  dime for us. I repeated what I had heard. I am trying to pay what money I do have to bring us closer to being up to speed ( which I intend to be but just ca n't right now  ),  and I was told that it did n't matter if I sent them money - they would not accept it. They wanted the equivalent of 3 months of payment or they would send our close into foreclosure. When I asked to speak with a manager I was given the same line. I tried to explain the extenuating circumstances and was told they did n't care. I have money to send them. Not as much as they would like but I have money to send them. Every month they do n't take my moneyt they want yet another month 's payment to bring my account current. I am stuck in a catch 22.     I am not in a situation where I can do a short sale. I have plenty of equity, but I ca n't get up to speed because Shellpoint wo n't take any of my payments - therefore putting me farther and farther behind.     Do I have no recourse in this situation?     Thank you,
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (FL)

This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( XXXX ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. See XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).
Consumer complaint received 2017-06-05
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. (CA)

I 'm having a few problems. I first need hard copies of all  XXXX  credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and   XXXX   has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not.   XXXX   has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IL)

I am disgusted how Chase has done everything in their power, in order not to approve my loan for an affordable modification. Based on the home affordable guidelines my loan does qualify. I am extremely upset that Chase refuses to help me to keep my home. According to Chase recent review ; they stated the reason why I was not eligible for the home affordable modification was due to Chase not being able to verify my income, employment, assets, identify and property occupancy based on the information I provided. This is the exact same excuse Chase used in the previous review back on XXXX. However, I appeal and provided proof of my identity and my source of income because at the moment my wife XXXX was the only XXXX working and it was not enough for Chase to approve an affordable trial payment. I was forced to re-apply and was promised a fair review, but Chase only use {$0.00} of my total income to review my loan. I am extremely upset because I had provided time and time again my wife paystubs and the new payroll records from my new job but Chase refused to use our correct income of {$3400.00}. Chase has purposely prolonged my review process by using false information to deny me assistance. I am falling further behind due to false income Chase makes up to review my loan. All I want is to keep my home and to be provided with an affordable payment due to my loss of income. This is why Chase was sued previously for all the false information that was being used in order not to help struggling homeowners like myself. However, in my case I have provided all the necessarily documentation and I keep getting denied. I am attaching my financial sheet with this letter and all the proof necessary to move forward. Hope we can come to an agreement before I seek legal advice against Chase.
Consumer complaint received 2016-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Merchants and Professional Bureau, Inc. (CO)

Got a phone call from Merchants & Professional Credit Bureau a 3rd party debt collector using the the words Credit Bureau in their name ... .threatened me if I did not cooperate and refused to disclose who they are when I asked specifically. They told me my date of birth but would not tell me anything else ... .they also called my father and this is harassing me and my father! We are legal residents XXXX, and this debt collector is XXXX!
Consumer complaint received 2017-05-22
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)

XXXX  accounts that had been deleted of my report due to identity theft keep coming back up  XXXX  finance and  XXXX   XXXX  bank. Also my payment history with   XXXX    was corrected all delinquent payments were removed and now show back up. I will show picture proof they where deleted.
Consumer complaint received 2017-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Services (TN)

In  XXXX   XXXX  I learned about the  Public Service Loan Forgiveness Program  ( PSLF ) through  one of  my professional magazines and called them. I found out that my current 'program ' had not been sending my payments of {$230.00} to  XXXX . I had been paying them through automatic debit since about  XXXX   XXXX . I immediately cancelled payments from my bank and applied for the PSLF. I began inquiring about the monies paid. Where was the money and why was n't it sent to  XXXX . My loan amount was about  XXXX  in the beginning and it was now  XXXX ! I was told my money was in an escrow account until they found the right program for me. I was given a breakdown of collected fees and total collected was {$5900.00}! We debated about a refund they initially offered {$1500.00} and final offer, which was paid {$3100.00}. They se nt 2 checks one for  {$220.00} and {$2800.00}. I deposited them    XXXX   XXXX   XXXX  . I c alled the Better Business Bureau  of C A during this process and they advised me to file a complaint after the checks cleared. The checks cleared on    XXXX   XXXX   XXXX  . T here is a balance of {$2800.00} that I believe I should have refunded. I was never placed in a student loan program and my student loan debt is higher than it was at the start. They did not pay my loans as agreed upon and this is very unfair to students trying to comply with repayment options.
Consumer complaint received 2016-05-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

I was sued in 2014 for a debt that I owed XXXX XXXX. Midland Funding bought the debt and filed a suit against me and garnished my wages until the balance was paid in full. After paying this debt in full, I received more correspondence from Midland Funding as well as XXXX and XXXX XXXX. stating that I was being sued again for the same debt. I have spoken to both compnaies and Midland Funding refuses to speak to me about my account and told me they sold the account to XXXX XXXX XXXX after this account was satisfied. I contacted XXXX & XXXX and they stated that they never received the money that was garnished from my paycheck and that this account could not be closed until it was satisfied. I am looking to sue both companies for constant harassment. This is affecting my daily job responsibikities as I have to take off of rom work to resolve this. I will attach a copy of my check stub showing the garnishment paid in full.
Consumer complaint received 2017-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA refuses to provide the Photo Security service advertised on its website XX/XX/XXXXI went into a few branches in XXXX XXXX ( CA ) to add a photo security feature for my debit card ( see service description and their instructions to get the service below ). Was told they " did n't have a camera ''. In fact, they do n't even know which branch does have a camera. Was told to contact customer service by phone. Called them XX/XX/XXXX. Ref # XXXX. Was told they would " buy a camera '' and get back to me in 1 business day. One week later no one did. <P/>See the service description from BofA below : https : //www.bankofamerica.com/privacy/accounts-cards/credit-debit-card-security.goPhoto Security ( r ) Your picture on your debit card helps protect you from fraudulent use if your card is lost or stolen. Plus, you may be able to use your Photo Security ( r ) card as an additional form of ID. The Photo Security feature is available on most Bank of America debit cards. The Photo Security feature is not available on ATM cards, small business employee debit cards or small business deposit only cards. Adding a photo to a new or existing Bank of America card is easy : Stop by a banking center. We can take your photo in just a few minutes and you 'll receive your new card in 5-7 business days ( a debit card replacement fee may apply ). Continue to use your existing card until your new Photo Security card arrives. We 'll keep your photo on file so it automatically appears on your card when it 's re-issued.
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

When I moved from XXXX in XXXX 2015, I set up mail forwarding with USPS. As part of that service I got to select coupons from various companies. I selected XXXX from Citizens Bank which promised to pay me {$200.00} for opening a new account provided I make a certain number of deposits or debit card purchases within a certain time frame. I printed the coupon from USPS and brought it to Citizens Bank when I opened my account. I met the required deposit/debit card terms & waited for the money to be deposited. 

In XXXX 2015 I became concerned that the {$200.00} had not been deposited into my account. I contacted my local branch, and they attempted to help me. Over the course of several months I was passed around to a few different contacts at XXXX local branches ( XXXX teller and XXXX managers ). The final manager I worked with had been speaking to " someone '' in the " back office ''. He would not or could not tell me the name of the person he was speaking with in the " department that deals with offers like this ''. 

I provided the e-mail from USPS confirming this offer was made to me, but Citizens Bank claims they can not " verify my eligibility '' unless I can provide them with the specific coupon code on the coupon I already gave to them ( at the time I opened the account ). The e-mail I provided has a link to print the coupon ( which I did at the time I opened the account ) but now that so much time has passed the link is dead. I did not keep a copy of the coupon, and they will not accept the USPS e-mail confirming the offer was made to me, as proof the offer was made to me. I believe Citizens Bank used this coupon to gain my business with the intention of using any excuse it can to avoid paying the {$200.00}, despite the fact that I met all the terms to be eligible for the money.