davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-29
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (MI)

I have attempted to contact American Express since XXXX regarding my Platinum Account which has now become delinquent due to their lack of action and personal hardship. The purpose of all three letters was to establish some form of payment arrangements. ALL XXXX letters sent to AMEX via USPS were blatantly ignored - I never received any response and/or even acknowledgement of receipt resulting in $ 1000+ in fees. 

During this same period, I made smaller payments to show I 'm not trying to disappear. As a last ditch effort and show I have gone above and beyond/my due diligence, I went as far as emailing AMEX 's Chief Executive Officer. Only then did I receive a callback from their Executive Office which pretty much told me thank you for your letter, but we ca n't really help. When asked about the letter I had sent to their XXXX HeadQuarters 10+ days earlier, the representative said it was my email that caused them to contact me not any letter ... AMEX refuses to admit they dropped the ball. Despite numerous phone calls, AMEX 's " representatives '' essentially read from a script in XXXX XXXX, XXXX claim they can only offer XXXX option which is far from feasible. When asked to be transferred to someone in the US or a supervisor they claim they are a " global company '' and this is not possible - I have never been able to speak with an American representative nor supervisor during this entire process aside from the individual from their Executive Department - I have been stonewalled by their representatives in XXXX XXXX which claim they can only offer what the computer generates/do nothing more. 

I am a student in the process of trying to figure out what to do with life, please help.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Comerica (CA)

XXXX XXXX is allowing unatherised transiactoins on my card and when a call them thay do not speak English and are very very very rude and make me wate several days to return my money. what are they doing with my money and why are they aloud to just take my ssd money and keep it for 3 to 10 days befor returning it?. need help.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

XXXX XXXX XXXX claims I owe a debt of {$99.00}. XXXX XXXX XXXX originally sent this debt in XX/XX/XXXX to XXXX, a debt collections agency, and it appeared on my credit report at that time. When I contacted XXXX XXXX XXXX about the debt they reviewed my file and stated it was an accident on their behalf and that my account was paid in full and was at a {$0.00} balance. XXXX XXXX XXXX wrote me a statement which I sent to XXXX and they erased the debt and it came off my credit report in XX/XX/XXXX. Recently, in XX/XX/XXXX, the same debt of {$99.00} from XXXX XXXX XXXX showed up AGAIN on my credit report although it was with a different collections agency, Enhanced Recovery Company. I contacted XXXX again about this situation and they claimed they could n't help me because they never sent the debt to any collections agency. So I called Enhanced Recovery Company and they claim they can not find the debt in relation to me, not even with my social security number, so there was nothing they could do! But, the debt still appears on my credit report and is still bringing down my score! XXXX XXXX XXXX has sold a fraudulent debt to collections agencies and I am the one being punished!
Consumer complaint received 2015-10-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (GA)

I purchased my home in XXXX of XXXX and since RoundPoint received my account in XXXX of XXXX it has been a complete mess the first year RoundPoint tied my account up with another persons and paid from my escrow account a resident in XXXX County 's taxes and never paid my XXXX County and City of XXXX XXXX taxes and I did not find out until I got an outstanding bill from XXXX County and the City of XXXX XXXX, I called them and they assured me this would not happen again and that they had my account all cleared up. The very next year Round Point failed to pay my taxes for either yet again and I ended up paying 2 years of taxes in 1 year to catch up after I got a foreclosure notice due to their failure to pay the taxes that I pay into every month through my house payments. Now this year again i emailed them my tax bill due ion XXXX/XXXX/XXXX and I go online to check my account and they have again not paid my taxes but paid someone else 's taxes in XXXX County totaling {$1000.00} out of my escrow again and still have n't paid my City of XXXX taxes of {$410.00}. At this point I have been burnt 3 times by this same company and I have been more than patient with them and for this company to not handle my account in the proper manner I need my mortgage moved from underneath this company there is no repairing this mess and unprofessional behavior. I am so frustrated and disappointed not to mention very angry that they have paid another persons taxes out of my escrow for a second time is just unbelievable! this is my second time I am making a formal complaint against this company I want to move my mortgage for good no action can repair this incompetence.
Consumer complaint received 2015-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (KS)

Received a letter from XXXX XXXX stating that I owe them for a collection for PayPal. The amount that it 's states I owe is XXXX. I checked my account on PayPal and it states my balance is {$0.00} and I do not have an open credit card account on PayPal. I did a credit report and not does it show I have an open account at PayPal indicating my identity has not been stolen. I do not know why I received this collection unless it is a mistake on their part and I do not want this to effect my credit.
Consumer complaint received 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (GA)

I looked at my credit report last week and noticed that XXXX had reported that I had an outstanding bill of {$250.00}. I challenged the validity of the bill, especially since I had not been with XXXX for since last XXXX XXXX 2014 XXXX and I had not received any bills stating that I owed any money since I switched XXXX. In addition, I stated to her that during the last conversation I had with a XXXX Representative, I understood that I did not owe any money. Anyway, I explained to her that the only mail I ever received from XXXX was mail soliciting my services with offers of gift cards as incentives. I could not understand why they 'd want to have me as a customer if I had an outstanding balance. I however asked the Agent to send me a statement verifying this outstanding amount. Yesterday, when I got home from work I received a large envelope from XXXX with a bill for {$110.00}. Amazingly, the balance was lowered and I was given a date of XXXX to pay this amount. I still have'nt reviewed it for accuracy because I was tired and went to bed. This morning, I received a call from XXXX XXXX, who stated that he was from Stellar Recovery and he was calling about an outstanding debt of {$250.00} from XXXX. He demanded from me when I was going to pay this amount. I explained to him what transpired with the XXXX Representative last week, but he was unwilling to listen to my explanation. The manner and tone with which he spoke was very rude and disrespectful. He continued to ask me when I would pay the {$250.00}, even though I told him I would not make any payments until I had reviewed the statement I received from XXXX and I added that in any case I would deal with XXXX on resolving he matter. He kept on demanding I make a payment today. Eventually, I disconnected the call and I blocked the number XXXX XXXX XXXX XXXX. I just recovered XXXX and I can not deal with XXXX being harassed and threatened, especially when I tried to explain the situation and the XXXX XXXX refused to listen.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

I first to out a mortgage loan with XXXX XXXX XXXX, then XXXX sold my loan to green tree, now the sold the loan to DITECH. I recently received a call from DITECH demanding a payment and harassing me about a late payment. I was not late on my payment. Ditech is harrassing for a mortgage payment that I was late on 2013. They have spoken to me with very bad language and demeanor. I have never been treated with such a bad attitude.
Consumer complaint received 2015-07-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I would like to bring to your attention for follow up investigation HSBC Mortgage, Beneficial Mortgage and their affiliates : Regarding modifications they only offer the following : XXXX month trial modifications or XXXX year Trial Mod in which borrowers are reported late to the credit bureaus ' while making payments on time. In addition, any savings during the trial mod payments are added back into the mortgage the end. The negative credit reporting make it impossible to refinance leaving borrowers with the same high interest mortgage at the end of the Trial Mod payments. If you try to call HSBC or Beneficial all the most of the numbers are non -working and when you eventually get through to a live person, you are given a telephone number to call that is a non working number. This is in my opinion an on going intentional practice by HSBC and their affiliates in an attempt to continually keep borrowers from obtaining improved mortgage terms because the continued negative credit reporting lowers credit scores making it impossible to refinance to obtain a better mortgage. This has been going on for years
Consumer complaint received 2015-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (GA)

Our mortgage company 21st Mortgage has been harassing us about our payments. A month after we bought our home I got very ill and was no longer able to work. My husband made our payments as soon as he couldcould each month. On our statements it says we have until the XXXX of each month but they would start calling, texting and emailing us up to XXXX times a day on the XXXX day of each month. In XX/XX/XXXX we were late with our payment due to myself and my daughter having to have extensive medical test done. We called XXXX XXXX to make XX/XX/XXXX 's payment and they refused to take it, they said we needed to make both months payments right then which we were not able to do. They then sent XXXX men to our home around XXXX XXXX on a Saturday to collect both months payment. The added stress of this on top of my being diagnosed with XXXX ended sending me XXXX for XXXX and XXXX. We had to reach out and ask for help and family friends and strangers donated money to help us pay everything through XX/XX/XXXX. We have explained the situation over and over to the company. We also tried to ask them to assist us and they refused because our loan was so new. We are late this month ( XX/XX/XXXX ) and they started texting and calling around the XXXX of the month which is before the XXXX which is our grace period. They called and I spoke to them this past week which I happened to be with my daughter who was XXXX and I tried explaining that I could not discuss things with them at that point because I was focused on my daughter getting better. The supervisor got on the phone and informed me that this is not what they signed up for when they loaned us the money for our home. I got very upset and explained that I did n't sign up for my health to go so bad and have to have surgery and have my daughter get sick as well. They are very ruthless and do not care what we try to explain to them. They get made if we do n't answer the phone everything they call but why would we answer the phone XXXX times a day to explain the same thing over and over again especially when they are rude and demanding. Also after looking back at our original paper work there are XXXX different interest rates on our contract. They also said they were raising our mortgage because we underestimated the escrow about them they turn around and send us a check saying that we over payed or escrow so nothing is consistent with them. I 'm tired and unable to keep being harassed by them. It boils down to they harrase us before our late date and they send people all the way from XXXX XXXX to XXXX to intimidate us. This is ridiculous and in called for. They told me to save myself the hassle and just go ahead and pack or things and get out so it would be easier on everyone, this was when we were only XXXX months late. Please do something about this company and their lack of consistency and harassment.
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I sent a Qualified Written Request ( QWR ) /Debt Dispute Letter to Ocwen Loan Servicing dated XXXX/XXXX/XXXX by XXXX Certified Mail on XXXX/XXXX/XXXX. Ocwen has not responded to date. As part of my proposal for an out-of-court settlement to my debt dispute, I also sent to Ocwen a completed Request for Mortgage Assistance ( RMA ) form with the required supporting documentation to which Ocwen acknowledged receiving. While confirming receipt of a copy of my tax return as part of its requirements to complete its review of my pending loan modification, Ocwen stated in its letter dated XXXX/XXXX/XXXX that my tax return was without signature ( s ) or evidence of electronic filing, and the due date for said document which was XXXX/XXXX/XXXX has now passed. Since I only learned of aforementioned requirement from Ocwen 's letter on XXXX/XXXX/XXXX, which was already 2 days after Ocwen 's imposed deadline had passed, I mediately sent by certified mail on that same day ( XXXX/XXXX/XXXX ) the signed copy of my tax return. However, instead of receiving a notice of the status of my loan modification application & request, I received XXXX weeks ago a copy of Notice of Trustee 's Sale dated XXXX/XXXX/XXXX ( recorded on XXXX/XXXX/XXXX ) which schedules the foreclosure sale of my property on XXXX/XXXX/XXXX. While Ocwen has not formally declined or disapproved my pending loan modification application to date, in violation of the XXXX California Homeowner Bill of Right ( HBOR ), Ocwen caused/directed its agent, XXXX XXXX XXXX, to proceed with the foreclosure action against my property by issuing said Notice if Trustee 's Sale. This is a blatant violation of the CA law. It is referred to a " dual tracking '' under the CA HBOR. In this regard I have written Ocwen a follow up letter on XXXX/XXXX/XXXX ( see attached ) and also demanded for the cancellation of the scheduled unlawful foreclosure sale of my property on XXXX XXXX, XXXX. I have not heard back from Ocwen to date. May I therefore request for CFPB assistance in this regard. Time is of the essence.
Consumer complaint received 2024-08-09
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-10-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: STATE FARM BANK, FSB (WV)

State Farm Bank and XXXX XXXX office failed to verify the identity of an applicant which resulted in a loan being applied for, approved, funded, and reported to my credit bureau. State Farm Bank failed to abide by truth in lending regulations, fair credit reporting act, and the patriot act. State Farm Bank and XXXX XXXX office was NEGLIGENT in failing to follow and committed fraud when they allowed the present applicant to sign that all information was correct and had been verified.
Consumer complaint received 2015-10-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I have overpaid my mortgage company over {$2900.00} for FHA Insurance and they will not reimburse me. Instead they cancel my paid up FHA insurance and sent me a letter disputing that I have not overpaid. This trial has been going on for a year this month.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 



Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2015-10-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Consumer Portfolio Recovery Associates, This Credit Card is over 15 years old and Has already been removed off of my credit report. XXXX XXXX XXXX Sold this loan to these people and they are trying to reopen a case and has been calling me and sending me notices. Additionally, they are making robot calls about taking me to court to settle this dept. This calls seem to orignate in Georgia.
Consumer complaint received 2015-10-07
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (WI)

XXXX XXXX, offered this card directexpress debit mastercard to put my social security XXXX payment on on the XXXX/XXXX/15 I made a transaction on a XXXX atm machine of {$160.00} witch would of left me {$110.00} something on my mastercard a couple of days went by and I call directexpress card XXXX and the amination service said something was wrong with my card and I had to talk with somebody but the amination said they were to busy to check online to see your account and tranactions when I did all it would let me see is a fraud problem and my balance of XXXX cent something like that it would n't let me see the transactions so all I know at this time is my card was stopped and cant get a hold of directexpress XXXX so I finally got throught by XXXX of there numbers they said they put a fraud alert on my card and ask me about a international transaction of {$47.00} something and a {$42.00} something transaction with a marketing place I think called XXXX that 's all the info they would give me I asked directexpress why I could n't see my transcation online but ownly you can no explanation I said I did n't authorized these transactions all they said is they have n't went through yet call back in two days but I did n't wait I called the next day in the evening time and fond out they let the transaction go through and I had to buy a nother card because I receive a new XXXX cause of the XXXX store scam with I never asked for, so I had to buy this card and file a complaint to get my money back from this international transaction that I have NO INFO TO PUT DOWN ON THIS COMPLAINT I ASKED FOR A TRANSACTION STATEMENT TO BE MAIL WITCH IS 5 DAYS or more but three weeks before that I ask for my account info in the mail never received and I do n't no if it is coming now XXXX/XXXX/15 and if this international transaction market place say I authorized this I lose my money witch they did to me two years ago I lose a {$100.00}. I had to send this form your wed page is expiring
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Profit Services Group (GA)

I have continuously received harassing calls from a Profit Services Group ( PSG ) in regards to a gym membership with XXXX XXXX XXXX that was cancelled XXXX years ago. I have spoken with the gym, with the financial processing company and with PSG in an attempt to resolve the issue, I have been informed numerous times that the issue is resolved. XXXX XXXX XXXX and the financial processing company both acknowledge that the matter is resolved, however PSG ( the debt collection company ) is still continuously calling and harassing myself as well as family members.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Loan moved on XXXX/XXXX/15 to SPS. Escrow analysis done. I received letter stating check was cut and sent under separate cover dated XXXX/XXXX/15. I called XXXX/XXXX/15 and asked where check was. They could not locate it and I asked them to replace it. They informed me it could take up to a month to get a new check and said everything was taken care of and the process was started. I received a phone call from them over the weekend, they left a message that I could not understand. I called back on XXXX/XXXX/15. They wanted me to wait to place the stop payment until the end of the week because the check was n't mailed until the XXXX. I told them I would not wait. The request for the stop payment should have been placed on the XXXX to start the research process. I received the check dated XXXX/XXXX/15 at my home on XXXX/XXXX/15 with a postmark on the envelope of XXXX/XXXX/15. When I called today they stated that the check dated XXXX/XXXX/15 was no longer valid and another check was over-nighted to me on XXXX/XXXX/15.