davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX has a collection on my file that is outside the statute of limitations as provided by federal law. I have enclosed a copy of the Trans Union file that shows that the last payment I made on the account was XXXX. I disputed this in XXXX and Trans Union violated federal law by leaving this on the file.
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (IL)

Sychrony Bank put a 30 day mark on my credit even though I asked a rep if I made by payments on XX/XX/XXXX, I would be in good standing. I tried to make payments on XXXX/XXXX/15 and XXXX/XXXX/15 but the system claimed my bank rejected the payments which is not true. I did not have a returned payments with them. I want the negative credit mark removed because I paid XX/XX/XXXX 's payment on XXXX/XXXX/15 which a rep said I can do. Now I am getting inconsistent information. They claimed they ca n't remove the negative credit mark which the credit bureau advised me that is not true. He state if they want it removed, they can submit a correction with the credit bureaus. I have had several issues making payments with their reps because they clam my bank rejected the payment, this was not true per my bank. I do not think it is fair.
Consumer complaint received 2015-09-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (SC)

Account # 's XXXX, XXXX, XXXX, and XXXXMidland Funding is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Midland Funding with supporting documentation and did not receive any response that addressed my concern, about the frivolous and inaccurate reporting of these debt collection accounts. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). Midland Funding is not my Creditor. I attached copies of credit reports directly from the Consumer Reporting Agency to substantiate where Midland did insert multiple credit to trade lines into my credit reports. This reporting is intentional and erroneous and serves to further damage my credit by providing false information. 

Midland - can not extend credit - and CAN NOT be a RETAIL credit grantor. These accounts are inserted into my credit record, as a Credit Grantor - and should not be. 

Midland 's blatant disregard for the FDCPA is intentional and should not be allowed. This is not a one-time instance however but a continuing practice of Midland Funding to systematically oppress those already disenfranchised. 
Midland is in violation of FDCPA 807. False or misleading representations [ 15 USC 1692e ; A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Knowingly reporting information as a creditor is a misrepresentation. 

Midland places the blame on the XXXX XXXX file that they send to the Consumer Reporting Agencies, however the Credit Reporting agencies confirmed after an investigation that it is in fact the information that is transmitted to them from the debt collection agency.
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CA)

Placed a security freeze on my Equifax credit report on XX/XX/2015 via phone ( XXXX ). They billed my XXXX XXXX credit card {$10.00} for this on XX/XX/2015. ( Technically, this should have been free since I am over XXXX yrs. old -- this according to their written info. ) Was provided a pin # & confirmation # at that time & told that I would receive written confirmation of such. To date ( XX/XX/XXXX ) have not received it. Written statements on an earlier-received credit report ( in XX/XX/XXXX ) note that written confirmation of a security freeze will be sent within 10 business days of the request. 
I had to use you last spring when I had not received a requested credit report from them after 4 or 5 weeks when it was supposed to take 2 to 3 weeks to receive such. This is the only credit bureau ( of the XXXX ) that I have problems with.
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (GA)

I have had a Dillard 's credit card since XXXX of XXXX without XXXX missed payment or late payment. I pay my bill online every month. Dillard 's card services were taken over from XXXX Bank around XXXX XXXX by Wells Fargo. XXXX XXXX XXXX Online Bill Pay did not recognize the new Wells Fargo/ Dillard 's account. In XXXX I started making payments directly through the Dillard 's website to ensure that the payments would get to Wells Fargo correctly because of this transition so I began to pay my bill directly through the Dillard 's website. The afternoon of Friday XXXX XXXX I received a call stating that they could tell I was trying to make a payment but could see it was n't going through. I immediately paid over the phone as to not cause a problem and keep my account in good standing. The very next morning at XXXX I receive a call that my only brother at the age of XXXX died unexpectedly in his sleep.This was a very difficult time for me. Mid XXXX I returned to the Dillard 's website to make my payment, checking the only visible numbers of my bank account number were accurate, which they were, I posted my payment and received a confirmation number. The same thing happened mid XXXX, and I received a confirmation number, again in XXXX, and again in XXXX. It shows a monthly history of payments and confirmations for each month with my last correct XXXX digits of my bank account. I never received notification or a message stating there was any problem with my account and payments. I will attach payment confirmations from XXXX XXXX and can go back further if need be and the confirmations from Dillard 's website from XXXX to XXXX XXXX. On XXXX XXXX XXXX when I went to pay my bill, as I did every single month, my balance was about {$150.00} over my credit limit. This immediately alarmed me because I always pay my bill, I received confirmation numbers so I called to see what was going on. A not so polite woman informed me they have not been getting my payments and the confirmation numbers were worthless. Now Wells Fargo, a banking and credit card giant has closed the account I have had with no problem ever and has not notified me once to inform me the confirmation numbers I was receiving did not matter. This has made a detrimental hit to my credit unfairly because Dillard 's, the company that I loved to shop with, worked through college with, had every intention of paying my debts to, received confirmation that I was paying, switched their credit card company and had a problem with their transition to Wells Fargo.I have never had a problem until now. I also hold another account with Wells Fargo for the last XXXX years that never has had any problemwith payments. In fact, for the last XXXX years I have not had a single late payment to any of my debtors. I want to pay my bills. I hope you can help me remove this terrible stain from my credit report. 
Thank you
Consumer complaint received 2016-02-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I had a Toyota Corolla leased with Toyota Motor Credit Corporation. The vehicle was returned on XXXX/XXXX/2015 and I drive a XXXX now, that i have with TMCC employee lease program. I have received several phone calls from a debt collectors named XXXX XXXX and XXXX XXXX at my job and at my cell phone during work hours after requesting the company to stop harassing me as my vehicle was returned and no debt remained. I have sent several documentation that my husband and I drive a vehicle thru TMCC and pay for it and i was told that if you trade a Toyota car for another one, that any fees would be waived. Once all my information was sent and calls stopped. Months later, I received another call from a different agency. I have never received any responses or letters in months since XX/XX/XXXX - I received a collections call on XX/XX/XXXX about this debt once again after i sent information and gave proof I was a driver of a Lexus, along with a copy of my driver 's license and my husband 's and mine and the new vehicle contract. I should not be receiving phone calls after asking for the calls to stop, and after proving.
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Collection Service of Nevada (NV)

My husband and I pulled our Credit on XXXX, and unfortunately came across an account that has been Reporting every month the past 2 YEARS, stating we have n't paid when in fact we Paid In Full, With Cash 2 Months after the Creditor Reported it. I went to the Original Creditor XXXX, Spoke with the Manager, showed her my Paid Off Receipt from XXXX, Showed her the picture I took of My Credit Report and gave her the Collections Name : Collections Services Of Nevada & Number. She then went behind a desk for a brief moment. Came back and said she left a message but no one answered and it would n't be until Monday that We hear anything. I then left, and immediately called as I got in our car ( Hubby was driving ). I got right through to the Legal Department and Spoke with XXXX from Collection Services Of Nevada. After explaining our situation, she got ahold of XXXX who was the Representative on our account who was going to put in the XXXX for it to be deleted from XXXX of our Credit Reports. XXXX then told me that someone just called while we were on the phone and Reported that we had paid it off in full 2 years ago! She then requested She get a Fax number from us so she could send over the XXXX form right away and that she was also sending it in the mail. I went back to City of XXXX, Spoke with the XXXX and requested ALL our payment history from the past years and that I was well aware she JUST NOW REPORTED that we paid it off. I asked her several times why she lied to me and pushed me out the door. After printing all my requested information, she apologized and got teary eyed. Now I was n't looking to make this lady cry, I simply want answers as to why this was n't handled property or CORRECT 2 years ago!! I was told by XXXX from Collection Services Of Nevada that this will be handled BUT given the prior history, I DO NOT feel comfortable and need this handled as this was not right!!! Not only have we had a current Power & Electric Bill with the Creditors XXXX the past 2 years because we have to, it 's hpw our lil town has Electricity, but come to find out they NEVER reported is paying it off the past 2 years! When we messed up we had to pay them EXTRA money to get power back in our name, so what happenedS when the Original Creditor Messes up OR the Collection Agency??? We just want answers please aND Thank You! Sincerly, XXXX and XXXX XXXX XXXX
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (VA)

My issue is about the XXXX point reduction in my credit score in less than 60 days with no logical or tangible explanation about how my score can drop by XXXX points when there have been no significant changes to my record. There is no suitable option in the CFPB drop down listing of options for making this type of complaint and the matter of credit score which is so central to the access to jobs, insurance, housing, etc. by a consumer 's is not very transparent. On XXXX XXXX, 2015, my credit score with Equifax was XXXX and as of today, it is XXXX and XXXX points lower. There have been no new accounts added to my portfolio of accounts and in fact, I have paid off a couple of accounts ; XXXX delinquencies have dropped off and any other delinquency ( except for a new one with XXXX XXXX which is being disputed ) was only account in XXXX. Equifax needs to explain specifically what has changed in 60 days to result in a XXXX point drop and I have had no additional inquiries. What I have observed over the years, is that during the period when I am paying {$19.00} to any of the credit reporting agencies, my score goes up and soon after I discontinue the monitoring service, there is a reduction in my score. This almost gives the perception that consumers are somewhat arbitrarily being penalized when they discontinue the service especially since I have never been able to get an explanation about the reduction in my score. The credit scoring process is like a blackhole and the high level explanation about the percentage composition of deriving the score is simply not good enough. In my case, given the very short duration, Equifax should be able to provide me with the specific changes that amounted to a XXXX point reduction in my score since XXXX XXXX.
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MO)

Credit Management is collecting a debt that I do not owe. I paid this debt to XXXX XXXX XX/XX/XXXX. Credit Management has it on my file from XX/XX/XXXX. This is outside of the obsolescence time frame for staying on my bureau. 

I called Credit Management today and they said they do not even have the account in their office. They said it was " withdrawn '' by XXXX XXXX ... yet it continues to be on my credit files.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

I mailed Equifax last month and asked that XXXX accounts that say I dispute them be changed since I DO NOT dispute them. I have no issue with the results of the investigation. Now my loan officer says I can not get approved because these are still in dispute. 

Despite the fact XXXX of these # XXXX and # XXXX were DELETED by the other credit bureaus. BUT if they refuse to delete them then I am no longer fighting please just take them out of dispute so I can get approved!!
Consumer complaint received 2015-12-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX have violated the Homeowner bill or Rights in its foreclosure proceeding on a loan that I have inherited and have extended myself to Ocwen to find a viable solution. Without Properly foreclosing on the home XXXX and its affiliates have Broken into my home taken my personal belongings and changed my locks. 

Ocwen was notified on XXXX XXXX 2015 that I gained ownership of home by foreclosing on a XXXX XXXX deed by following proper procedure of foreclosure laws for non-payment of prior owner. I also had to evict them and fight off a frivolous lawsuit. At the same time I applied to Ocwen to get some type of short payoff on existing XXXX loan that I inherited during takin of ownership that was taken out by prior owners. In the process of negotiations they have violated my rights. 

1. As Ocwen and its service providers have broken into my home changed locks and have stolen personal property including material and tools for the pending construction. Estimated value of materials $ XXXX {$5700.00}. ( blatant violation of my rights ) 2. During the process of contacting Ocwen I have left voicemails and emails sent to contact in XXXX which I have encountered language barrier and script reading that besides denying a shot payoff request once has not provided any other alternative of resolving my inherited issue ( Runaround and failure to provide Notification of Foreclosure Alternatives ) 3. the Notice Of Trustee 's Sale recorded XXXX is not against current owner and this is enforcement of Prior owner without proper notice to current owner that Ocwen will peruse the foreclosure ( Restriction against Dual Tracking ) 4. I feel that Ocwen has not implemented regulations set by XXXX XXXX and enforced by CFPB to protect homeowners like me and is not offering ( Fair review Process ). 
I ask that that the notice of sale dated XXXX XXXX 2015 to be postponed immediately and a Representative of Ocwen that has authority to negotiate from the Unites state contact me so I can understand my option and also explain myself properly. Ocwen has blatantly walked over the Homeowners bill of Rights in their handling of this process and I firmly believe this is an every day occurrence in their dealings.
Consumer complaint received 2016-02-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

Several years ago I received a notice from Fredrick Hanna and Associates saying I owed {$5300.00} in principal and {$1700.00} in interest for a credit card debt. Initially I called and said it was not my debt. The letter continued to come and then one came with a threat to sue and garnish my wages. I went to a local office in XXXX, Georgia XX/XX/2009 and met with an attorney. He kept trying to get me to sign papers agreeing to a payment plan. I refused and told him it was not my debt. I asked him to please show me where I signed anything related to this credit card and compare it wit my license. He did not answer my question and tried to tell me this could be solved very easily. He refused to listen and attempted to have me pay less to settle this. I told him again that this was not my debt and I was not paying it. As I stood up and left I suggested they find the correct person and stop contacting me, I then and I stood up and left thinking this matter was resolved. XX/XX/2009 the attorneys of XXXX J. Hanna and Associates went to the XXXX County magistrate court and a judgement entered against me. I have the money to pay but I do not feel it is fair to pay for something that is not mine. I truly thought this issue was settled when I went to the law firm and spoke with the attorney about this issue. I went to the courthouse to get a copy of the judgement for my records. What are my rights regarding this issue? I would rather pay a lawyer to assist me to fight them than to pay for a debt that is truly not mine. Any help will be greatly appreciated.
Consumer complaint received 2015-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

My bill was paid by my insurance company after my Medicare paid it 's part. The company saying I owe them money is now out of business because of similar fraud practices. Although I contacted them several times in the past, they do not seem to understand. At this point it is hurting my credit score and I would like to get it cleared off my record.
Consumer complaint received 2016-01-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: United Shore Financial Services, LLC (FL)

On XXXX XXXX, XXXX I signed contract to purchase a home for {$120000.00} and this is what happened : This house and approximately XXXX others are all built on the wrong lots and I am in litigation because I have been evicted from my own home. The problem came in XXXX when a survey was performed that set an entire area of the plat off at least XXXX feet to the west. My house is built XXXX feet to the east across the street from the actual property. The deed states Lot XXXX section XXXX, but the house it built on Lot XXXX section XXXX. I paid a surveyor to survey this area and all he did was pull the old survey and stamp it and never went out to the property otherwise he would have known it was the wrong lot. Further digging into this due to the eviction lawsuit, the county knew that the survey was off based upon a letter written in XXXX, but still issued building permit for my house in XXXX. I have been trying to work with the mortgage company, but I am in default of the loans I have already paid thousands of dollars and down payments for a house I will not own. The title policy refuses to pay based upon the exclusion of the survey, but have agreed to represent me in the eviction case, the present mortgage company just had the loan pulled from investments because it was in default and forced the original loan company to take it back because it was more than clear to them that this is a faulty loan. This is all unfair and unjust to me as a consumer that I have to pay for something that is clearly not mine. Now the original mortgage company who retained the loan is threatening me. My credit is being ruined I had good credit, but now because of this I am being ruined financially. I want restitution for this loan I paid for due diligence I did everything right I paid for a title search a survey, etc. and I am the victim. The owner of the land clearly wants the house the judge has n't ruled on eviction because it is so complex with the other XXXX homes, the county is involved, multiple builders, multiple title policies, multiple surveyors, multiple banks, mortgages and an unbelievable amount of issues. No one knows what to do it will be in litigation for the eviction for years. Ca n't file lawsuit until eviction is final meanwhile my credit is destroyed and I will never own this house and foreclosure is threatened on a house the bank does n't own. I have all the documentation to prove this I want to be discharged from this debt the original mortgage company is at fault by providing me with a untrue faulty loan on a house that I do not own.
Consumer complaint received 2016-01-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (IA)

I bank with BB & T. Recently they have overdraft my account when the funds are there. This has occurred on several occasions in the past few months and the trend is that this happens overnight when I have a paycheck pending electronic deposit. While in some cases I may not have the funds to cover all charges BB & T tends to push all charges through immediately. At other times pending charges may take days to process. The example below shows what I mean. I spoke with a representative at BB & T about the overdraft charges and I was told their system accounts for all charges pending or otherwise. So BB & T can make money off customers regardless of circumstances and that funds like a pending paycheck that will cover all charges is not counted. Mind you that they consider pending charges against the ledger but not pending paychecks. 

Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX # XXXX {$87.00} Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX XXXX XXXX XXXX DE # XXXX {$360.00} Pending transaction date XXXX/XXXX/XXXX Credit XXXX - XXXX XXXX, XXXX XXXX {$2000.00} XXXX/XXXX/XXXX Debit OVERDRAFT FEE {$72.00} {$260.00} XXXX/XXXX/XXXX POS XXXX 'S XXXX # XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE {$11.00} XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE-P {$26.00}