davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-23
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I was gifted with a prepaid debit mastercard from XXXX around 1 year ago. I did not use the complete funds before the expiration date, and when I requested a new card be submitted I was told the card was expired ( XX/XX/XXXX ) and the remaining {$77.00} was forfeited. I told them exactly what the Consumer Financial Bureau says on it 's website : " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. 

The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. '' The agent I was speaking to, XXXX ( Agent ID XXXX ) responded that this was not a gift card, but an " incentive card '' and therefor did not fall under the gift card law. But that is exactly what an incentive card is -- a GIFT! 

When I asked where my {$77.00} went, either back to XXXX, or if Citibank Mastercard absorbed the money they would not tell me but instead said that was a private matter between XXXX and XXXX. 

I believe this is a fraudulent withholding of my money, and that they are going against the spirit of the law. 

Thank you for looking over my complaint!
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

I have two problems with Ocwen, my mortgage company. First I asked them to remove my FHA mortgage insurance and they denied it because " The LTV is greater than 78 % of the original value. When I purchased my home the value was XXXX and i currently owe XXXX. Which is less than 78 %. When I called, they stated what they meant was 78 % of the original loan amount. There wording says one thing and they mean another.. very misleading and wrong. 

Second issue my XXXX escrow analysis. Ocwen is doing very shady mathematical practices on my escrow analysis which is causing my monthly payment to go up dramatically. I received a letter stating my expected escrow balance is {$55.00}, making my expected balance deficiency {$0.00}. Total escrow shortage {$0.00}, cushion of {$480.00}, and and additional {$1700.00} is needed for the escrow balance. XXXX divided into XXXX payments of {$48.00}. My mortgage has gone up {$82.00}. They ca n't give me a clear answer of what is going on with my loan. My taxes stayed the same and my insurance went up less than {$20.00}. I was told my a representative that is an issue from XXXX when my loan was purchased from GMAC. My XXXX escrow analysis had a shortage of {$480.00} which was only the cushion.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I send a domestic wire transfer from my CapitalOne Bank account to my friend who has an account in XXXX. The XXXX got returned because the account number provided by my friend was closed ( error on my side ). I send a wire for {$1700.00} but the wire got returned for {$1700.00} i.e. {$45.00} were deducted from original amount for some sort of return fee. In addition there was a {$25.00} fee charged to my account for sending the original wire and a {$15.00} fee was charged for incoming wire. I tried to explain my bank that this was unfair as i should not be charged for return wire as well as original wire + incoming wire as this is same transaction that was returned. It Seems outrageous to get charged {$85.00} XXXX XXXX ) penalty for return wire in my own account. I would have been ok if there was a nominal fee charged for my error ( giving wrong account number ) but getting charged 1750 % XXXX interest rate ) for a penalty seems far outrageous
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX violated 15 U.S. Code Section 1692 the Fair Debt Collection Practices Act, they are not a creditor they are a debt collector. 
XXXX XXXX, XXXX a complaint was submitted with Consumer Financial Protective Bureau Case number : XXXX for that violation ; They also violated 18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD ; 18 U.S. Code 1341 - Frauds and swindles ; Received a XXXX for Principal Dwelling Note Account Number XXXX postmarked XXXX XXXX, XXXX
Consumer complaint received 2017-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (TN)

This amount of XXXX was sent over to collection & honestly Im not sure what this bill could be for..Ive never received anything from thia company let along the collection agency..I found this on my credit report so thats why Im reaching out to better understand what this is for
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX & Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX & Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX & Date of Inquiry XX/XX/XXXX
Consumer complaint received 2016-07-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation (FL)

I have recently discovered some collections on my credit report that do not belong to me. Someone has used my name and now I am repeatedly being harassed and threatened for bills that do not belong to me. These agencies use XXXX collection attempts and the US Govt. should stop this. These collection agencies are relentless and they continue to call my place of business, my home, my friends and my relatives, all hours of the day or night seven days a week. They are trying to force me to pay for services and/or bills that are not mine. Also the collections are from a state I have never resided in. I have tried to resolve this on my own to no avail and I refuse to pay or settle on a bill that is not mine. Looking through my investigative notes it seems that the ( XXXX ) medical collection 's on my credit report are connected to XXXX visit to a NC doctor visit. It seems my name has now been sold to yet another batch of piranhas because I am now being harassed from new telephone numbers from a different state.
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Received notice from Midland demanding payment of which I do not owe. Midland is also under investigation regarding their business practices in the state of Massachusetts. They do not have a business license. They have endless lawsuits against them for their illegal actions.
Consumer complaint received 2016-11-16
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: Shapiro, DiCaro & Barak, LLC (NY)

I XXXX XXXX believe that under the modified Fair Debt Collection Practices Act that I should have all aspects of foreclosure ceased against my home until I can package all documents necessary for a mortgage modification. When my wife went through a XXXX, she had to leave her work that paid more than {$30000.00} per year. I had to take an extended leave of absence from my job, but I am fully employed again. In XXXX of XXXX I was involved on a conference call with the representatives of XXXX XXXX XXXX, Shapiro, DiCaro & Barak, LLC and the clerk of the court. During that discussion, I was given until XXXX XXXX, XXXX to present all my documents to Shapiro, DiCaro & Barak LLC. I will have a complete modification package within the next week, and it looks like my wife will be able to start work XX/XX/XXXX. On XXXX XXXX, XXXX, the law firm filed a Notice of Motion proposing the granting of Summary Judgment on my case. I am burdened with a great deal of medical debts as well as additional debts I defaulted on while my wife was sick. I intended to obtain a mortgage modification, then file a bankruptcy petition Chapter XXXX to alleviate all debts outside of the bankruptcy. I can not deal with the excessive pressure presented against me now. I need all foreclosure actions to cease under my rights with the Fair Debt Collection Practices Act mandate of XXXX XXXX, XXXX until a resolution on a modification can be accomplished.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (TN)

My mortgage loan was sold to Specialized Loan Servicing XXXX, 2016 from XXXX XXXX XXXX XXXX XXXX . I was not given the appropriate 30 day notice per Tennessee law My wife has had a XXXX XXXX, she is unable to work. My wife has to have medical care and medication monthly that is not covered by my insurance. I requested a mortgage modification from my previous servicer. I have faxed request for modification to my new mortgage company. Please assist in this urgent matter. 


Thank You
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Other — 
Company: STATE FARM BANK, FSB (WI)

My previous employer, for whom I was XXXX, put my name on his State Farm credit card to allow me access to his account to make payments on his account, use it to pay for his purchases, make inquiries, etc. I believe this was in XXXX or XXXX. I recently discovered in checking my credit information on XXXX XXXX that this account was added to my credit information recently. It was not on my credit report originally or at any time prior to now. When I called State Farm because I suspected fraud, I was advised my name was on the account owned by my employer. State Farm sent a letter requiring both of our signatures to remove me as a card holder. I have now discovered this request was denied. I am a single mother and only make {$XXXX} a year, but have only my house payment, an occasional small balance on my own credit card, and my credit score was previously in the XXXX. This card with a $ XXXX balance has reduced my credit score to XXXX. I will also be in need of a new/used vehicle in the next year and am very worried about how this will affect my ability to obtain a loan or result in an increased interest rate. Also, if he were ever to default I do not want to be responsible for debt not mine. I can not afford an attorney and do not know where to turn. My previous employer said he is having his attorney follow up on it after tax season, but this is too important for me to rely on someone else to resolve.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I never signed up for overdraft protection for my Capital One 360 checking account. Capital One credit card initiated a payment on XXXX XXXX that I had scheduled for XXXX XXXX. I called the credit card division and tried to get them to stop payment, as all financial institutions in 2016 do they claimed they could n't stop this purely electronic transaction even though the banks were n't open yet and no transaction could have occurred and it was going to a bank they owned. 

I knew I did n't have overdraft protection with my Capital One 360 so it should just decline the transaction since there would be insufficient funds. But I do n't trust banks and wanted to double check. It was true that I was n't enrolled in your standard overdraft protection, but to my surprise I was enrolled in something called an 'overdraft line of credit ' with an 11.50 % interest rate. I never signed up for this nor was ever even given any information about it or any notice that this was an active part of my account. Fortunately I was able to turn that off before the banks opened today but I have a feeling this violates the requirement for the bank to get me to authorize overdraft protection. Either that or the bank is having fun with the language of the consumer protection laws and sees this as a way to auto-enroll members into overdraft protection by calling it something else, and likely making more money off of the 11.50 % interest than they ever would have through traditional overdraft fees.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX Account XXXX # XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Modify the following items on my credit report to 100 % on-time payments, immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Subject : Dispute of Inaccurate and Unverifiable Bankruptcy Information To Whom It XXXX Concern, I am writing to formally dispute the inaccurate and unverifiable bankruptcy information that has been reported on my credit report. I have reviewed my credit report and identified the following bankruptcy entries which are both incorrect and unverifiable : XXXXXXXX XXXX XXXX Reference Number : XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX  Reference Number : XXXX Date Filed : XX/XX/XXXX The bankruptcy records provided by the court, which I have enclosed, confirm that these records should not be reported to credit agencies. Therefore, their presence on my credit report constitutes a violation of the Fair Credit Reporting Act. 

I demand that you immediately cease and desist from reporting this erroneous and deceptive information. Additionally, I require that these inaccurate entries be deleted from my credit report and all of your systems without further delay. 

Please be advised that if this matter is not resolved promptly, I will be forced to pursue legal action for the following violations : Permissible Purpose : {$1000.00} Defamation of Character : {$1000.00} Damaged Reputation : {$1000.00} Damaged Credit Worthiness : {$1000.00} Damaged Mode of Living : {$1000.00} Infringement on Right to Privacy : {$1000.00} The cumulative potential damages total {$6000.00}. This action is not intended as a threat, but rather a necessary step to ensure compliance with credit reporting laws and the protection of my rights. 


Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a Capital One Buy power card, where if you pay on time they still charge you a late fee because they take 3 days to process your payment. So the only way to avoid late fees is to pay a week early or enroll in there autopay option. After escalating this as far as possible I received a call from XXXX from a women named XXXX. Saying " the late fee was removed but it will happen every month and I will have to fight it unless I pay early or use autopay. This is the policy and nothing will change it. '' I do not believe it is far to charge late fees for paying on time. I saw it and fought back how many people do n't see this happening to them and are paying this ree every month. This is a crime and should not be allowed
Consumer complaint received 2017-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc. (LA)

I have an account listed on my credit report from Progressive Financial Services stating I owe a debt. I contacted this company stating the debt was not mine however it is still listed on my credit reports. They also sent me what was suppose to be debt validation info which was merely copies of info retrieved from unknown sources. The company must be willing and able to produce a document from their files that proves the account in dispute belong to me and the information being reported is accurate. Someone in their company must authenticate the documents in their files that were used to " verify '' the disputed account and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired for the alleged account. I have tried to resolve this with the collection agency and have been unsuccessful. 
Thank You
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rauch-Milliken International, Inc. (NY)

This company called XXXX was suppose to design a website for me and also promote the website online. They made a website without my input whatsoever. Then they never launched it online. They wanted to charge me {$100.00} per month for website hosting and maintenance, but the problem is why should i pay for something that i do n't have or something that was never done. They are complete scam artists with many negative reviews online.
Consumer complaint received 2016-07-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: International Computer Systems, Inc. (TX)

They have done several of the above including but not limited to : Continued attempts to collect debt I do not owe as debt was paid or debt is not mine. All my debts for any XXXX work were paid in full by myself and my insurance. The only XXXX I have used was over 4 years ago. This company put on my reports that I have a open account currently it opened XXXX 2016, it is a flat out lie and falsifying information or they have the wrong person. 

Disclosure verification of debt, I did not receive any letter with my right to dispute, they put it on my credit report and I had not idea of the allaged debt, I wrote them a letter and it was certified and they did not respond with enough information or what the debt is owed for or when it was allegedly late or not paid. 

False statements or representation : They are attempting to collect a wrong amount as all my XXXX bills have been paid in full.
Consumer complaint received 2016-06-21
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Nationwide Debt Management Solutions, LLC (OH)

Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via XXXX mail, which i never received and told me I had 1 hour to contact them back or it was too late
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

This is in regards to a private student loan for which I am a cosigner and is being serviced by Navient. Loan # XXXX XXXX XXXX XXXX. I have explained 5 times to them that I am currently unemployed, i.e. I have no income and no savings to draw on to make payments, but they refuse to acknowledge facts. I am getting very sick and tired of being harassed when it is impossible for me to make any payments.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I BEEN TRYING TO REFINANCE MY HOUSE FOR MORE THAN 5 MONTS AND I CANT BECOUSE MY CRDIT REPORT HAVE MANY UNPAID ACOOUNT THAT I NEVER OPEN WITH THIS CREDITORS SO I CALL AND I SEND COPY OF MY COMPLETE INFORMATION SO THEY CAN SEE THAT ALL THIS ACCOUNTS ARE NOT MINE BUT I SEE NOT RESULTS FROM THE CREDIT BUREAU AND THE CREDITORS AND IAM VERY TIRED WITH THIS, SOMA BODY IS NOT DOING THE JOB RIGHT.
Consumer complaint received 2017-08-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NV)

I went to XXXX XXXX XX/XX/XXXXgraduate XXXX with a certificate in XXXX. I Have never worked in the field because the certificate is no good since XXXX is close. I tried doing right being a new mother at that time. Want to know if i can get my loan discharged for school closing and filing bankrupt in XXXX. Since im stuck with this loan and a certificate I cant use ... ... please help a single mother of XXXX ... ..