davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
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: EQUIFAX, INC. (GA)

XXXX  XXXX XXXX  XXXX {$350.00} ( charge-off ) & XXXX XXXX XXXX  {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation.

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2017-04-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am not satisfied with seeing an tem that hasnt been validiated on my credit report with accurate information and demand for the bureaus to remove it. If a collector is in power of any debt that needs attention, first it needs to be validated and ask that what is reporting on my credit to remove it ASAP.     All I expect is to hear back from the CRA 's that my item is off..
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (NY)

This is in regards to Loan #  XXXX  with  Plaza Home Mortgage Inc .   On  XXXX   XXXX   XXXX ,  XXXX , the home owner completed and submitted a loan modification packet with the assistance of a housing  counselor to Plaza Home  Mortgage. On  XXXX   XXXX , the home owner informed the housing  counselor that Plaza  Mortgage was requesting updated information, and the home owner and housing cousnelor submitted the requested information/documents On  XXXX   XXXX ,  XXXX . On  XXXX   XXXX , writer spoke with a representative from  Plaza Home Mortgae , and the represntative stated the homeowner will need to resubmit the entire packet with updated documents  (  bank statements, pay stubs, etc ) as well as have updated signed documents. On  XXXX   XXXX ,  XXXX , the documents requested by  Plaza Home Mortgage were emailed to the loss mitigation Dept. of Plaza Home  Mortgage. On  XXXX   XXXX ,  XXXX , housing counselor spoke with a representative from  Plaza  Mortgage. The representative provided the housing  counselor with a list of items needed for the loan modification. Housing counselor noted that some items identified by the representative have already been submitted to Plaza Home  Mortgage. The representative stated that the forms needed to be signed and re-dated. On  XXXX   XXXX ,  XXXX  the documents requested were emailed to P { laza  Home Mo rtgage. On  XXXX   XXXX ,  XXXX ,  Plaza  Mortgage was requesting yet again more documents/information from the home owner. This was submitted via email by the housing counmselor on  XXXX   XXXX ,  XXXX . Finally, On  XXXX   XXXX ,  XXXX , housing  counselor spoke with a representative from Plaza Home  Mortgage and the representative stated the application is missing documents. Writer asked the representative to identify the documents needed. Housing counselor noted that the documets had been submitted via email over the months of  XXXX   XXXX  and  XXXX   XXXX , and the documents were submitted by the housing counselor on the home owner 's behalf.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

This account is appearing as a credit line and it is not a credit line. The research I 'm doing shows that it might be a judgement. This should n't be appearing as a debt. There was no line of credit given to me or anyone.
Consumer complaint received 2017-04-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I took out a loan about a year ago to pay for my rent, cause my check was a little short. Couple days after I got into a car accident, which I had to put all my money towards. I had to decide what bills were more important. I actually kind of forgot about the debt while going through therapy, until I started getting harassing phone calls from so many different numbers, at all different types of hours. Sometimes it 's  XXXX    XXXX   XXXX   XXXX    and my fone will still ring. Unfortunately a year later I 'm still unable to pay them back because I 'm still financially recovering from the accident, plus they keep adding these crazy interest rates. This morning I got a phone call stating that they 're going to file a civil suit against me if I do n't pay. I 'm the one that owes them, but this HARASSMENT HAS TO STOP, I ca n't take it anymore.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpha Recovery Corp (VA)

My wife  XXXX   XXXX  made a purchase on her  XXXX   XXXX   XXXX  credit card in the {$200.00} on  XXXX / XXXX / XXXX . The credit card bill was paid in full on  XXXX / XXXX / XXXX  ( roughly one week later ).     Starting in  XXXX ,  XXXX , we began to receive calls from  XXXX   XXXX   XXXX  seeking payment owing to this purchase of {$550.00}. Through numerous phone calls, some of which were quite unpleasant, I was finally able to garner from them the origin of the debt as listed above. They were quite difficult to deal with, as they frequently sought confidential personal information that I was not willing to provide. They finally sent a copy of the  XXXX  statement, which I attach along with their cover letter, which shows that the balance was paid promptly and that the account has a zero balance.     Their representation was that my wife 's account, originally associated with  XXXX , was sold to  XXXX   XXXX , and then to their current client.     Upon discussion with them today, they again sought personal information, this time stating that they wanted the cancelled check as evidence that the debt was paid. Given that I have come to believe that this entity or whomever they represent is engaged in fraud, I am obviously unwilling to send them a document which would disclose my checking account information and my wife 's signature. Their statement was that if I sent the check, they  MAY  mark the debt as previously paid.     I have the cancelled check drawn on our joint  XXXX   XXXX   XXXX  checking account, which I would share with the CFPB, but am obviously unwilling to show to them. These are bad actors, who are obviously preying on consumers. My case is an obvious  one  ... they are trying to collect on a credit card account that their own information shows has a  XXXX  balance. This has to be illegal.     This group, Alpha Recovery Corp, or their client  XXXX   XXXX   XXXX  is obviously engaged in fraud of some type. While I am reasonably sophisticated and keep records, I am sure that many of their victims repay debts that have already been paid and/or give them personal information that they otherwise use for illicit purposes. I hope that you are able to take action against them.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

i appli ed two credit cards from CITIBANK web online,    XXXX   accepted my applications and send me cards, i spent both cards amount what they were showing on their online promotion, but i did not get same promotions fro m Citibank, i called them and i went my Citibank branch, i faxed their online promotion offer copy   and i mailed them also.   so far i did not get my bonus offers.   they wa s two sep arate offers ; first card offered ; earn  75000   XXXX  h honors bonus points after making $  XXXX  in purchases within the first 3 months of account opening. ( which i spent more than $  XXXX  but i did not  get 75000 bonus poin ts ) second card offered ; e arn 2  weekend night certificates after $  XXXX  .- in p urchases within the first 4 months of account openin g ( w hich i spent more than $  XXXX  .-, but  i did not get certificates ) please help me  get my 75000 bonus points and 2 night certificates from Citibank which they were publishing on their web page that day i applied both cards, i am sending both copies i printed from Citibank web page.    this is a corruption and cheating from customers!
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I was told that they was sending me to court if I do n't make a payment with in the hour so I hurry up and set up a payment arraignment because I did n't want to deal with that, all this caught me off guard bc I never recieved any notice until that day
Consumer complaint received 2016-08-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I am reaching out to you today in regards to a credit dispute I am trying to resolve with our Mortgage company, Bank of America. I have tried to resolve this issue directly with Bank of America, but both times I have received letters from the Bank of America customer service department that states that BOA has completed a review and they feel their records have confirmed the information they provided to the CRA is accurate. I do not feel that the information is accurate. In fact, I feel that Bank of America messed up on their end and they are not taking any accountability for the miscommunication that was given to us at all. I pride myself on having great credit. Since this incident occurred, I have hit so many roadblocks with my company, applying for loans, and now I have a senior who is going to need our help for college loans. It makes me so angry that loyal, XXXX, hard-working people do not have a voice with these large mortgage companies. Not once was I able to even talk to someone directly about it. I was told the people that make these decisions are in a back office company for Bank of America. They do not take emails or phone calls. I do not believe that someone who receives their paycheck directly from Bank of America, should be making all the credit decisions for Bank of America, especially when they are not taking any accountability for their own mishap and miscommunication. I am coming to you because I need a strong voice to hear my side and hopefully help me. I have a Fixed, 15 year conventional loan with Bank of America. This is our first mortgage. It is sit up with automatic withdraw each month so a payment is never missed. I had requested that our 2nd HEL through Bank of America would also be established this way. A representative told us that this is not a problem. Just fax in a " Letter of Authority '' and the loan number and approval to have this established. We did that. The fax was received, but the phone call of this representative telling us to do this and that it could be done, has disappeared. I also feel that, once this fax was received, we should have immediately received a phone call or email to tell us that this service was not available for the HEL. We had left to travel for the summer to return to two missed payments and our credit messed up.
Consumer complaint received 2017-11-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (TX)

Entered into a loan modification earlier this year with Ocwen. I discovered on XXXX/XXXX/2017 that XXXX XXXX XXXX XXXX is listed as the servicer of our loan with XXXX XXXX. Ocwen also claims to be the servicer on our loan per the modification documents we signed. Since we signed a loan modification with Ocwen that states that Ocwen is the servicer, buXXXX XXXX XXXX XXXX XXXX is being reported as the servicer on the same loan, Ocwen made false representations and statements to us that Ocwen was the servicer of our loan when Ocwen is not the servicer of the loan per the records of XXXX XXXX.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

mortgage payment increased without notice from approx $  XXXX  to $  XXXX .   I have automatic payment setup ; my account did not have enough to cover the {$570.00}. They called me stating that I owe {$570.00}. I did not know why it was {$570.00}. The caller did not know. therefore, I told the caller to research, call me back and I will pay if it is something I owe them. She did not call me back with the answer. I received another call again. eventually, someone was able to transfer me to someone who could help with the issue. I told the lady I never received a notice stating that my mortgage payment has increased. Change of mailing address was reported. She said someone from executive mortgage department will contact me.  XXXX   XXXX , mortgage officer, called me. I explained my issues. She said she will research and call me back. in the mean time, next month 's payment was coming due. I said I can not pay for something I do n't know what I am paying.  XXXX   XXXX  called me back eventually and explained. I payed the two monthly payment I owed. However, I explained to her that I should not have been charged late fees and also that I was charged overdraft fee from the other bank. She said she will look into it. she asked me to fax her bank statement. I faxed it. few days later, when I called her, she was not in her office. Later someone else called me back. she said she will be working on my case. I also requested that late payment should not go on credit report since it is not my fault. I was never late with my payment before this incident. She said she will mail me some document where I can request not to go on my credit report. I never received it. During this time, many times I had to correct my address. they say it is incorrect in the system. It almost sounded like the person before typed it incorrectly. it happened several times. mortgage officer said I need to give her exact date when I initially requested change of mailing address. I do n't have those dates because I did not think I would need it. I feel that they do n't care about their mistakes. they are not willing to work with you. I paid both payment as soon as they explained to me why my payment has increased. late payment on my credit report will hurt my credit. I was charged late fees and overdraft fees due to wells fargo pulling {$570.00}. If I had known my payment has increased, I would have made sure there is enough money before they pull the mortgage payment. I was never late on my payments before this. This is very frustrating and disappointing. I feel helpless. They are big company and I am just a small person. I feel they do n't care. It is not fair. In future, I will never do business with them. This will be my last mortgage and last acct with wells fargo.
Consumer complaint received 2018-11-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (FL)

XXXX was my balance, overnite regions added XXXX bank fees, just when I was going to pay them off, that's when I contacted consumer financial protection bureau demanded the fees removed, region manager offerd me XXXX, everytime I called regions they would want to collect all the unethical fees, during that time I signed up with comsumers credit consueling, I paid regions XXXX they are not applying my payments to account the stilling charging me fees, the collection employees only want to continue to harass me about the fee, my balance should only be XXXX to close out account.. regions want to collect the fees, it is account ending in XXXX, regions act like they have no notice from cfpb,, the are collecting more than I owe them
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has over XXXX unauthorize inquiries and Negatives on my credit report. 
My VA Mortgage of {$1700.00} is not reporting correctly as my VA Mortgage was modified on XXXX XXXX. Also I am requesting that Bankruptcy XXXX Discharge by Federal Judge is not displayed on my credit report and files or Public. 
I am on XXXX and Retired and under the Department of Justice of XXXX XXXX Congress XXXX I respectfully should be accomendated. 
I am a XXXX XXXX XXXX Military Veteran.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

trans Union,  states that even though I paid the accounts in full that they will not delete the record from my credit report, one of the bills account number  XXXX , is not found and there is no information on the debt nor do I owe it.       Attached money orders to show proof of payment in full.   I want the records taken off my credit report, as the Fair credit act allows. within 30 days from the date of full payment
Consumer complaint received 2017-04-25
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. (NY)

i was trying to dispute something online and was sent to a link that my computer said that it was unsecured. there are fraudulent company 's saying they are the major credit unions and asking for sensitive information. and when i  called the number on the website 3 separate time it put me on a line with someone who does n't even speak English. How can the major credit unoions have customer reps that dont speak very good english and the fisrt thi ng they ask for is your social security number to start. thanks
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is related to Complaint #  XXXX  Th e collection has been removed from my credit reports, but Portfolio Recovery Associates has begun to harass me both via phone and mail. I do not accept the phone calls and do not respond to the mail.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (CA)

On XX/XX/XXXX I received a deposit for {$3900.00} on my EPPIC Debit Card issued by Dept Child Support Services for California. 

I typically receive {$170.00} a month for child support so I very seldom use the card. I called to check the balance at the end of XX/XX/XXXX to see if if my normal monthly payment posted, as my ex husband is not consistent in paying court ordered support. 

The automated system advised a payment for {$3900.00} had been deposited to my card, but my available balance was {$0.00}. 

This was a tax intercept payment for arrears owed to me. I spoke with the fraud department who sent me paperwork to complete and return, I had to request it twice! 

Since than they denied my claim, I have asked multiple times for their report and reason to deny my claim as it was clear it was fraud since the charges are from XXXX and XXXX. I filed a police report. 

They continue to lie to me and promise to send the report of their investigation its been 7 months.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I originally received a mortgage loan from  XXXX   XXXX  and they then sold the loan t o Penny Mac . At the time that I received a mortgage loan from  XXXX   XXXX , my new home appraised for  XXXX . The home was sold to us for  XXXX  and we put about  60000  down. Therefore, based on the appraised value, we were starting off with a loan-to-value ratio of a bout 0.68. N evertheless, when my loan was sold from  XXXX    XXXX   t o Penny Mac, I should  not have had to pay for Private Mortgage Insurance ( PMI ) seeing that I already had a n LTV of 0.78. Penny Mac has said that I need to pay for another appraisal or a buyer 's purchase opinion in order to remove the PMI from my account. My appraisal is a little over 4 months old and Penny Mac insists that the appraisal that I have be 90 days old or less.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

Referencing claim  XXXX  Inaccurate info was given on this complaint by the lender. There is still a issues with the balance. Fe d Loan servicing  can not account for a difference of  XXXX .     I received a statement  ( attached records ) and witness online that sequence   XXXX  had a balance of  XXXX  as of  XXXX   XXXX   XXXX  Received official records from this organization.     According to there new records the balance as of  XXXX   XXXX ,   XXXX   was  XXXX .     I need to understand clearly why I have official records saying a lower balance and no records from Fed  Loan Servicing explaining exactly how there is a difference. ( See  attached  XXXX   XXXX  Billing statement with the Sequence loan balance as  XXXX  ) This is not tied to interest capitalization that took place one  XXXX  as that was for roughly  XXXX  dollars. I am talking specifically about Loan  XXXX  in which I have different records and amounts. Explain why there is a difference.     These records you have as they were sent on  XXXX   XXXX  by your organization to both my paperless inbox and my home address.
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hollis Cobb Associates (GA)

My husband received a call from ( XXXX ) XXXX Patient Accounts Bureau on XX/XX/2019 from a lady stating that she was looking for me in regards to a past due amount of {$500.00} for medical debt. My husband has asked her not to contact him again.