davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (NJ)

In late XXXX 2016, I listed my home for sale because I could not pay the mortgage. On XXXX XXXX, 2016 I received a notice of Intention to Forclose Mortgage. I had spoken to the mortgage company several times and knew this was coming. I wanted to work with them to turn over the home to them as soon as possible to minimize the loss for everyone. On XXXX XXXX, 2016, I was assigned a " single point of contact ''. His name was " XXXX '', but he could not provide a last name. I called numeous times including XXXX/XXXX/2016 and XXXX/XXXX/2016 and spoke to different people. On XXXX XXXX, 2016, I mailed the " Loss Mitigation '' package to the company by regular mail. " XXXX '' acknowledged receipt several days later. I spoke to him several times and mailed in a revised IRS XXXX form as requested and sent a copy of the real estate listing agreement as requested. XXXX assured me the matter was a " slam dunk '' and the closing would occur in 45 to 60 days. ( I was later told it would have closed on XXXX XXXX, 2016 ). Instead, I received a letter saying my request was denied due to missing bank statements. IN FACT THE BANK STATEMENTS HAD BEEN SUPPLIED. I called many times to get this completed and spoke to a different person each time. I was told " XXXX '' quit, there was package there but " there was nothing in it '', the package itself no longer exised but it " was in the computer ''. I was often told documents that I had suppled were not there. Eventually I was told the time had lapsed and I had to begin all over again. These calls included the following : XXXX/XXXX/16 ; XXXX/XXXX/2016 ( the system was down ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people ) ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people. ) I once again completed the package, ( it took WEEKS to get another copy ) and mailed it in. They denied receiving it but depending on who I spoke to some of the people seemed to have some of the documents I sent. I sent it AGAIN by certifed mail on XXXX/XXXX/2016. Since then they have asked for douments that do not exist, such as XXXX forms in connection with a sale and documents already received. I am told my file can not be assigned to any particular person. In the meantime, on XXXX XXXX, 2016 they filed a forclosure action in court. I tried contacting the attorney who signed the complaint, and was told she " left the firm ''. The attonrey who was taking over the file did not have the file the first time I spoke to him. He is polite and usually returns my calls but seems unable to help.
Consumer complaint received 2016-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

By telephone, I discontinued lawn and garden service from this company, XXXX. They continued it anyway and billed me, sending the " debt '' to a collection agency, Portfolio Recovery, when I did not pay. 

XXXX 's constant record-keeping errors and lack of communication are the reasons for my ending the service, so I was not surprised when they made a mistake about the service ending.
Consumer complaint received 2016-05-13
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

Late payment was addressed as a computer gliche and a letter was written to company explaining as they had requested. My father was the cosigner on the loan and was affected by this. Once explained this was removed from his credit report and the account was paid in full to prevent any further issues. The letter was faxed on XXXX/XXXX/14 yet my credit was not adjusted and my fathers was. NJ Class Loan HESAA is the account in question
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NC)

I have multiple collection agency reports on my credit report from XXXX and enhanced recovery company which I have never personally opened accounts with. They have increased up to {$640.00} which is recorded as a cable/cellular service which I have never subscribed to. I want this record off of my credit report as it is damaging to my character and I did not authorize these accounts. They show up on my report as early as XX/XX/2016 and I know for a fact I have never opened any cellular or cable accounts in that time.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

PLEASE REMOVE THIS CUSTOMER STATEMENT AS IT IS NO LONGER REQUIRED ON MY EQUIFAX CREDIT REPORT. 

I DID NOT AUTHORIZE THIS COMPANY TO PULL AN INQUIRY ON MY CREDIT REPORT NOR DID I GIVE THEM MY SS # OR BIRTHDAY AND IM VERY CONCERNED HOW THEY GOT THIS INFORMATION/ PLEASE DISPUTE THIS INQUIRY ASAP/
Consumer complaint received 2017-01-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AR)

I receive a Form XXXX last year from Ocwen because filed for modification of my mortgage loan. Ocwen modified my loan and canceled a portion of the debt I owed in the amount of {$19000.00}. I understand that according to the IRS, this means that Ocwen is writing that amount off as a cancellation of debt and I no longer have to pay it back the {$19000.00}. Therefore, I need to include the amount of debt from XXXX report on my tax return as income which I did. As a result, it caused me to have to pay in taxes to the IRS last year, which I never had to do before when I filled taxes. 

This year, I filed for another modification with Ocwen. while speaking to the agent he informed me that I was approved for the modification and went over the terms with me. Ocwen stated that with this new modification called trial plan period that my principal balance is {$79000.00}. I ask the agent why is my loan so high, that its almost back the amount of my loan before the first modification ( {$87000.00} ). The agent said that the add {$12000.00} of the {$19000.00} back to the loan. I told him that they could not do that because that amount was charged off and reported as income on my taxes. 

My second complaint is also that there 's a balloon payment that will be of {$61000.00} at the time this note matures on XXXX XXXX. In my first modification the balloon payment was due XXXX XXXX, XXXX for {$16000.00}. In my opinion this is not a true loan modification. I feel that I am be taken advantage of, please help me. I have enclosed the first modification paperwork, the trial period paperwork that a sent me they will mot give me the permanent modification until the XXXX payment of {$400.00} have been paid, and the XXXX form I used to file my taxes.
Consumer complaint received 2020-12-22
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. (GA)

I have contacted both the Finance company and the credit bureau about this issue on several occasions. After speaking with a representative at the XXXX XXXX XXXX XXXX she advised me to file a dispute which should fix the issue. However, teh fix has not been corrected. I have tried to contact them on several other different occasions only to get teh run around. 

I paid my payment on XX/XX/XXXX as indicated on my bank statements. The payment was due on XX/XX/XXXX. Therefore, was was never 30 days late on this payment. Their system posted the payment on XX/XX/XXXX which is not correct. I was advised that is may have been a system error based on the time that i logged in.
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Michael Harrison, Attorney at Law (NJ)

On or about XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, my daughter XXXX was taken to XXXX XXXX. On both occasions we were fully insured, in fact in XXXX, we had double insurance. XXXX XXXX XXXX, contacted me regarding this debt on or about XXXX XXXX, XXXX. I responded to his notice on XXXX XXXX, XXXX and advised him that his notice was both deficient and improper and requested validation of debt. XXXX XXXX did not provide verification as he is mandated to do under federal law nor at anytime did he make me aware that all he needed was insurance information. On or about XXXX XXXX, XXXX, XXXX XXXX filed a complaint, knowing that I disputed the debt. I was never served with the complaint and then on XXXX/XXXX/XXXX he moved for a judgment and a writ of execution without ever serving me with those papers so that I could request a court date and dispute this process. A call to my insurance company reveals that these XXXX debts were never submitted for payment and in NJ this company is under contract with my insurance and is not allowed to bill me until after the claims are first submitted to my insurance. My credit is ruined as a result. If XXXX XXXX has responded as he is required to do under federal law I could have provided the necessary information. He is clearly in possession of the information necessary to provide verification as he provided to the court when he filed for a writ of execution.
Consumer complaint received 2016-05-13
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

I went ahead and placed two payments on this prepaid card from XXXX. The first one was on XXXX XXXX 2015 for {$450.00}, and I have my receipt, and this was supposed to be credited to the American Express Serve card. The second deposit was on XXXX XXXX 2015 for {$350.00} and at this particular time XXXX XXXX 2015, that 's when we noticed that there was nothing in the account and the account was closed without our consent, and we do n't know whom, because these people hide behind the phone. They told me that they could n't speak to me about this account because it was closed. I asked them if it was closed, where did the money go? They would n't tell me where they were located. I filed two inquiries and have gotten no information. I filed a complaint with the FDIC and they stated that they could n't help me and said that you guys have jurisdiction over this issue.I do have the receipts to validate and verify the matter. They refused to refund my funds
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I have contacted XXXX XXXX on numerous occasion to advise 3 collection accounts which they are reporting on my credit are fraud. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt. One of the debts was previously removed due to fraud and resisted. Another creditor XXXX XXXX has already acknowledged fraud and acctount not opened on my behalf.
Consumer complaint received 2017-01-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: E*TRADE BANK (FL)

On XXXX/XXXX/2016 someone made a few online purchases ( {$400.00} ) using my Etrade debit VISA card fraudulently. I called Etrade to report it and since then I have been trying to get reimbursed for my funds without success. I have been a customer of Etrade Bank for close to 11 years. This process has been horrible. I have been calling about every five days and the whole handling of my case is a disaster. They closed the investigation without telling me about three weeks into the process among many other excuses which are not going anywhere on getting my money back. The investigation was re-opened and the operator from customer service told me that he was sorry and that it must of been an internal error. I 'm still calling about every 5 days and only get excuses. What can I do to get my lost funds? 
Thank you for your help.
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (SC)

Fraud occurred on my credit card, so I filed a report and closed my account. I called the credit card company and the matter was supposedly resolved. However, I continue to receive monthly bills. At first, the charges were for interest, which I paid. XXXX statement the balance for these fees was minimal. The XXXX statement the balance shot up to {$150.00} and there is no indication on the statement about where/how these charges arise. I have been in contact with this company for the past 6 months trying to resolve this issue. They continue to charge me for nothing. I should have zero balance on a closed credit account whose fees/interest had already been paid off.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

Please refer to Case number : XXXX. On XXXX XXXX 2016 I submitted the application to open the account and also deposited {$1500.00}. It took too much time to get this account open and getting the online access. Now I am seeing that almost after more than 5-6 weeks - they ( hsbc ) are reflecting as if they received the money just on XXXX/XXXX/2016. So where this money was for more than 5 weeks? Why HSBC should not pay interest to me as it 's all the delays from their side? either they should give interest rates from the day they got it or be efficient in terms of opening the account. Another problem is that all their process is very cumbersome and complex - not even folks like me whoa are just XXXX yrs old and in XXXX can follow it - others wo n't be able to do anything also ... .moreover customer service of HSBC is terrible ... yesterday i called ... it seems the call went to XXXX with so much back ground noise ... i said please keep the phone on mute ... i was told please bear with us ... we ca n't help ... that 's the overall standards.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

I have filed a request with Equifax multiple times with respect to the removal of a Chapter XXXX Bankruptcy from my record. XXXX and XXXX have already removed the item. However, despite my repeated efforts, Equifax continues to issue a investigative response that is irrelevant to the basis of my dispute and request. It is my position that, for whatever reason, Equifax ( i ) is not reading the specifics of my dispute and ( ii ) is improperly servicing my account, and I am suffering irreparable damage as a result. Indeed, they are incorrect for not XXXX but XXXX reasons ( i ) it is my understanding that, while this type of item may legally remain on my credit report for up to 10 years, it is typically removed after XXXX and ( ii ) I DID NOT actually go through with the bankruptcy. The item in question was dismissed by the court on XXXX XXXX, 2007 BECAUSE I did not proceed with the bankruptcy after filing the initial paperwork. As I have explained to, and provided documentation of to, Equifax on multiple occasions, after filing for Chapter XXXX Bankruptcy, I sought the advice of legal counsel who explained that ( i ) I did not need to file and ( ii ) a Chapter XXXX Bankruptcy was not the appropriate mechanism to address my concerns and was unwarranted. I, thereafter, decided NOT to proceed with the bankruptcy, and it was dismissed, meaning that ( i ) my creditors were NEVER notified, NO workout was arranged, NO discharge of any debts was applied and ( ii ) that I continued to service my bills. 

Equifax continues to issue me a response letter with their investigative findings simply stating that they have reviewed the information and confirmed that it was mine.
Consumer complaint received 2016-11-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC. (CA)

So I was approved for a loan through TIDEWATER FINANCIAL ON XX/XX/2016. However, my monthly payments per contract is due the XXXX of each month. I made the payments on time which was 45 days after I got the vehicle. However, in XXXX, I fell ill and a payment was not made. When I learned of this I immediately made a payment. I had been in communication with TIDEWATER, letting them when a payment would be made. I 've been making my payments on time and they have reported my payment 90 days past due. TIDEWATER took upon themselves to change my due date without my consent, written documentation. I have my bank statement and/or money order receipts as proof that my payments are made 10 or more days in advance. I have wrote letters, emails, text messaging requesting that my due date be changed back to its original date. TIDEWATER IS REFUSING TO DO SO AND KEEP RUINING MY CREDIT with false/wrong/fraudlent information. I spoke with TIDEWATER ON XX/XX/2016 trying to recify this but they refuse to clean my file up. I have disputed this with the credit bureaus and nothing is being done. Also, per TIDEWATER representative that all my payments went to interest. How is that possible, who has {$530.00} in interest each month? There is clearly some fraudlent activity going on here and this needs to be investigated ASAP. I 'm more than willing to send a copy of my loan contract to you to back up my statement.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my score is suffering as a result. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. They said that they would delete them all but only some were deleted. And I never received an updated credit report.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over XXXX days ago, under Section XXXX ( XXXX ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-11-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Management Partners, LLC (TX)

I was a victim of identity theft and noticed a collection from Financial Control Se I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Financial Control Se in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. My husband is a veteran and we 're looking to buy a house in the next year..Attached is my document. Thank you
Consumer complaint received 2024-09-28
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (FL)

I am writing to seek assistance regarding a serious and ongoing issue of cyber security and identity theft that I have been experiencing for over a year. It began XX/XX/year>. I started noticing my apps were altered, my passwords were constantly being changed and still is, my information gets altered, they have tried to personate me. Despite my efforts to secure my personal information and take preventive measures, the hackers continue to exploit my identity, causing significant distress and financial harm. In XX/XX/year>, I changed phone carriers and switched to XXXX. This is where the issues escalated. My phone number was different, my bill did not match my XXXX. information, and my XXXX account sometimes did not match the IMEI number. Additionally, my devices would occasionally show another name. My passwords began to be changed, my apps looked strange, my downloads were missing and indicated they were on another device. I noticed screen sharing on my devices, my camera light turning on, and overheard conversations coming from my phone. I notified XXXX and began paying for XXXX XXXX in XX/XX/year>. I filed a police report in XX/XX/year>, left XXXX, purchased a new XXXX XXXX XXXX, and started with XXXX in XX/XX/year>. Despite these efforts, the hackers have persisted in their malicious activities. I purchased an XXXX XXXX XXXX, hoping that the advanced security features would help protect my personal information. Unfortunately, the hackers have persisted in their malicious activities, even with this new device. I am a XXXX XXXX XXXX at a district for public schools and a XXXX XXXX XXXX. Since the very beginning of this ordeal, I have had XXXX XXXX, but they have not provided the assistance I need. As a result, XXXX decreased my limit and so that is now on my credit report. They didn't want to work with me nor did they care. And my credit score has suffered significantly. Despite providing police report numbers and filing fraud disputes, my situation remains unresolved. My payments are constantly late, leading to increased fees and higher minimum payments. I spend hours every week on the phone with various entities trying to resolve these issues. Not even during XXXX. But yet they didn't work me, nor cared I was the victim, and treated me with no respect. Little by little every credit card company has made me feel like I am nothing. I have lost everything I worked so hard for. And I am the victim here.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

Company Name : Awa Collection Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX To : Whom It May Concern On XX/XX/XXXX, I was looking on my XXXX  account to get an update credit score and noticed that Awa Collection a collection agency for the XXXX XXXX for the amount of {$310.00}. 15 U.S.C. 1681, I never gave the company consent to furnish my information or obtain my information. I am writing this dispute claim on my credit report because I lost my job and been living on the street for the past 2 years. I am unable to pay any debt collectors because I cant hold a job due to the fact I have XXXX. In XXXX, I got into a horrible car accident and suffered a concussion.