davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

My Name is XXXX XXXX XXXX XXXX. Me and my dad share the same name However they put his information on my credit report. Such as tax liens and child support and other collections that I 'm not associated with. I would love another accurate credit report. It took me forever just to get this one and it is n't correct I 'm very upset with the services. My social is XXXX ...
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery has made many attempts to collect a debt originally granted from XXXX XXXX Bank. They are reporting this collection to my XXXX credit bureau reports. After many attempts on heir part I finally agreed to pay {$25.00} a month and they are direct drafting payments from my bank account. However, CFPB ADMINISTRATIVE PROCEEDINGFile No. XXXX has now come to my attention and I believe that I qualify for protection/relief under this action.
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Merchants and Medical Credit Corporation, Inc. (MI)

The company did n't contact me by phone at all for a bill that is now reported in my credit record. I had some previous bills that was with the same company and i used to have really tough phone calls with threatening of reporting and not resolving. my main problem now is that they report a claim which I had no problem to pay it on time if they called me. I just settled all my debts with this company by calling them around 3 months ago. the company suddenly reported failed payment for medical bill without contacting me with previous knowledge where I am and my situation from previous experience. please advise if I still have to call them and accept what they say to remove the collection while it is still there in the removed collections or I have any rights to dispute this claim for not contacting me.
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc. (CA)

dear sir/madam : I am fed up and sick to my stomach from hearing and reading about equal opportunity and anti discrimination laws for the last twenty years since I came to this country. after many many incidents over the years, this is the latest incident : I send full application for home refinance to elend.com ( new jersey ), on XXXX within 2 days they provided the credit report from XXXX agencies with score of XXXX, and accepted the income requirements and sent someone for appraisal and charge me {$420.00}. for four weeks after that I was sending emails and making calls with no result. on XXXX they called me asking to provide 1- statement to explain why I got my social security card on XX/XX/XXXX ( the time I came to USA ), 2-documents from XXXX party CPA accountant to show the XXXX for past years although I provided them with complete tax returns from my accountant with there name and signature and contacts. 3-wait for additional possible requirements, although the application was sent with over XXXX pages that include every piece of information any lender would ever ask for. when I got angry about that they called next day to tell me they withdraw the application. up to this moment I have not got copy of the appraisal, and I called the guy who did it, and he said they should give it to me not him.
Consumer complaint received 2015-09-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Opportunity Financial, LLC (OH)

Bi Weekly payments of {$180.00}, i notified them via certified mail that I had a change in income and could no longer afford the payments and to stop ACH withdrawl, they did stop the withdrawl, but are now saying the loan is 21 days past due when it is only 5 days past due and are threatening legal action. I also sent them a check and a promise to pay {$20.00} a month until paid in full.
Consumer complaint received 2015-09-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

I have been unemployed since Late XXXX. I applied to Green Tree Servicing my mortgage company in XXXX for mortgage assistance for my FHA loan. I was denied assistance even though i provided proof of unemployment. I appealed and was again denied and told that i was in not in immediate danger of default. I am concerned that no matter what paperwork i provide Green Tree intends to foreclose on my home. I was told that i qualify Unemployment forbearance by XXXX Green Tree Account representatives but when i asked for details i was told to wait for a final decision by loss mitigation. I m now on the XXXX account representative and i still do n't have a decision. i was able to stay current on my mortgage up through XXXX. It is obvious that the mortgage company makes a practice of advertising HAMP and HARP programs while intending to push everyone to a foreclosure.
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

My original mortgage account with XXXX was transferred to Seneca in XX/XX/XXXX. XX/XX/2015, I received a call from Seneca demand payment, up until this point I have no knowledge of this since I did not receive any notice from XXXX. I immediately contact XXXX and for the next couple weeks I had called XXXX repeatedly trying to get the transfer letter so I know whom, account #, and where to pay. They finally emailed me the letter on XXXX XXXX, 2015 ( I have the original email from XXXX ). 
Since I did n't know the account number and where to send payment ; I continued to pay the original mortgage holder for the month of XX/XX/XXXX. For XX/XX/XXXX payment, I send to Seneca and on XXXX XXXX they rejected the payment ; they said because I was two months behind and they immediately reported me to credit bureau for 60days late ( even late payment occurred on the XXXX of the month ). I discovered this a fews days later so I immediately contact XXXX and have them do research to see why the payments did n't get transfer to Seneca. While waiting for the result, I did n't want to get hit with a late payment so I called Seneca on XXXX XXXX and made 3 payments over the phone ( I figure I 'll get a refund from XXXX later ). At that time I also contact my bank trying to get copied of the checks XXXX since my bank statements shown that it was debit from my account for the months of XX/XX/XXXX and XXXX XXXX. On XXXX XXXX my bank told me that the checks for XXXX and XXXX had not been cash so they going to void it and put the funds back on my checking account ( I also have this proof from my bank ). I do n't know why XXXX did n't accept the checks and did n't forward XXXX and XX/XX/XXXX payments to Seneca. The bottom line is I have made payments on time during this whole transition and now I get penalize from Seneca for XXXX mistake. 
I submit these information to Seneca, emailed them the original email that I got from XXXX, the XXXX bank statements and the bank credit that my bank refund back on my account. I had spoke to several customer representative at Seneca and one supervisor. So far they refused to extract the late payments report to the credit bureau. 
My account number with Seneca is XXXX. Please help me to correct this mistake and make it right.
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (IL)

i was told in 2011 by a XXXX Rep that i was not under a Contract with them anymore, so she set up to send me Boxes to put Their Equipment in & they set up a XXXX Installer to come by my Home & pick the Equipment up, he did & put it into their System to prove it. Now here 's where it takes a Twist, XXXX waited 4 years to send me a Bill stating I owed them an Early Cancellation Fee & 2 Months of Service, so while i was on XXXX during this time, I was being Charged for XXXX that i was Told i was Paid up in Full on my Account & i was n't under a Contract. This is Unreal! I called the ERC ( Enhanced Recovery Company , LLC ) & argued this Fact that i was Told totally Different Information then they were Stating, she then said that it Did n't Matter ' I HAD TO PAY or it would Stay Pending on my Credit Report, so I payed the Bill or actually a Settlement of {$270.00} & she said she was going to Contact The Credit Bureau or whomever to have it Deleted from my Credit Report, she said call back in! 0 days. It better be gone quick because that knocked a Hole in my Credit & i was n't even aware of any of this till 4 days ago when i went to my Mailbox & opened this Statement ( Which i will say i do not owe until I 'm pushing up Dirt ), My point being is, How can a Rep tell me I 'm all Good, Send me Boxes for Equipment to be Picked up & then 4 years Later they say i was n't out of the Contract & i was Charged an Early Cancellation Fee ( But They sent me Boxes in 2011 to Pick up Equipment & i did n't owe them XXXX XXXX ) but i was charged for 2 months of Service when the Equipment was in their Warehouse & the XXXX for XXXX was Removed from my House & i was Watching XXXX XXXX, they are Liars, plain & simple. I did n't know what to do so I just Payed the Thief 's!!!!! I have the Confirmation #, showing i Settled with them, but it 's STILL HANGING UP on my Credit & XXXX XXXX are rough, XXXX are really nice, this is just making me look Stupid. If it is n't DELETED as promised from my Credit I might Snap!
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXTransUnion, LLC XXXX. XXXX XXXX XXXX, XXXX XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I moved out of house and more then a year later sent XXXX sent bill closing for {$110.00}. In fact, the new owner should 've been billed but nevertheless it 's a small amount. Unfortunately it was too late to be forwarded and I never received it. When I checked credit report it showed. I contacted customer service and paid invoice and still on credit report.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXEquifax XXXX XXXX XXXX XXXX, XXXX XXXX report # XXXX recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # : XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-04-24
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

On XXXX XXXX, 2015, I, an XXXX year old resident of XXXX XXXX was a victim of a telephone scam in which I was cheated {$1300.00}, which money I forwarded by XXXX, XXXX, XXXX to the XXXX XXXX, reference # XXXXThe call was by a so-called- XXXX of XXXX which prompted me to send the money was that a great nephew of mine was involved in a traffic accident in XXXX XXXX Ga, and neededthe money for bail. Instructions were given precisely go to the XXXX .XXXX and send the money within XXXX hours. I was shocked an confused and wentimmediately to XXXX XXXX and gave the clerk the money. No questions wereasked by the clerk, or questions asked about the money going out of the country. I havesince contacted the XXXX Attorney Generals XXXX to report the scam, and am awaitingtheir reply.
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCIAL SYSTEMSXXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX | Fax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify COMMONWEALTH FINANCIALSYSTEMS ACC # XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : COMMONWEALTH FINANCIALSYSTEMS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (CA)

Dear Sir or Madame ; You have refused to answer and respond to any of my requests once again. The fact that you are still avoiding to respond accordingly to my complains amazes me to this date. 
# 1. Copy of the phone conversation between myself, XXXX XXXX and XXXX XXXX and XXXX XXXX. 
As I Mentioned in my Pervious request, when I started speaking to XXXX XXXX back in XXXX 2015 to apply for my loss mitigation application, he insisted if i am not ready to accept the 5-6 % interest rate on my balance i should n't even try to send my application in. That 's why I have asked you to provide me with the recording of those conversations, which I believe you are trying to ignore. Although I am sending you a complete application in the mail for my loan modification and ca n't wait to have the result back with good news, I am still requesting copy of the recorded phone conversations. 
# 2 ) you keep repeating that your initial Fair Debt Collection Practices, Act ( FDCPA ) was a print error. Since the date on the validation notice was XXXX, 2015 and I was given only 30 days to act on your offer. On XXXX XXXX, 2015 ( 16 days later ) I filed a complain with CFBP that I was NOT getting any written reply as where and how I was suppose to send you a cashier check in the full settlement amount. It took you 15 days later from my CFBP complain and 30 days from the date of Validation Notice that this letter was an error?! 
Clearly I was not Notified of your print error until I already had the loan ready to be send for settlement before the due date. So please respond accordingly and do not repeat yourself. This is a simple question, who is obligated for my financial loss???? 
Finally you have responded that my QWR letter is Overboard and unduly burdensome. It may very well be Overboard and unduly and burdensome to YOU! But this is my right and it 's MY home that I am trying to protect from loosing. Until i receive a Correspondence from CFPB that my request is Overboard and unduly burdensome and its not my right, You need to provide me every single item asked. Clearly you have had plenty of time to prepare the information but have refused it with every chance you have had. 
Please see the attached documents. 
A. The New QWR requirements under the CFPBB. My request to send all documents requested in QWR RESPA letter ( 2nd letter ) I am looking forward to here from you soon.
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

This is my XXXX complaint for BSI Financial. Per my previous complaint BSI stated my hazard insurance was n't supposed to be in escrow. They corrected that with my previous complaint, and now my hazard insurance and taxes are now in escrow. They are now charging me a monthly escrow amount of {$120.00} for my tax and insurance which is understandable, however they are also charging me a additional monthly shortage of {$190.00}. When I called into BSI Financial I was advised by XXXX XXXX that it is a " cushion ''. I would like to know why I am being charged an additional {$2300.00} as a " cushion '' for my taxes and and hazard insurance when my and taxes and hazard insurance only total {$1500.00} for the year.
Consumer complaint received 2015-09-23
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (MD)

I contacted Western Union for an issue with the funds attached with my Western Union account. I contacted Western Union on XX/XX/2015 at XXXX XXXX in regards to changing the name of the receiver for my Western Union payment. The first person I spoke with was pleasant and helpful, then the supervisor was called because the number was n't the same as the number on file. I explained that I had already changed the number and that the new telephone number was all I had. XXXX then told me that it was a " compliance department problem and they were the only ones able to correct the situation '' he told proceeded to tell " me to hang up because know one would help me ''. After demanding someone else to speak with, he placed me on the line with a compliance officer who told me that it was " in fact the customer service department and them only who could handle such a situation ''. XXXX, the alleged customer service manager at that point because immensely disrespectful and rude. He then transferred me to another person, a woman by the name of XXXX, who was acted as if she was clueless on the processes of the customer service department. She then placed me on hold for 35 minutes and then hung up the telephone. I am overall disgusted and dismayed with the care I received on the telephone and hope that this situation never happens to anyone else.
Consumer complaint received 2015-09-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

I purchased a XX/XX/XXXX Ford Explorer XX/XX/XXXX. I had XXXX for the first year of payments and then was transferred to Santander for the remaining. I paid my payments for a total of 7 years on a 6 year loan and ever time I would think I was going to pay it off I would still owe {$3500.00} to {$4900.00} dollars. I tried to call them and ask them how this is and how I still owe this amount and they were really rude about it and would n't give me an answer. I paid a total of {$42000.00} dollars for this truck that 's worth about {$2500.00}.
Consumer complaint received 2015-09-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I received another letter from PennyMac about flood insurance and not being covered ... They are escrowing my insurances and taxes and the insurance company has sent them renewal notices but they have failed to pay the premium. This is second time I have filed a complaint and went over all this with them ... .My flood insurance has been with the same company going on the 3rd year and address is the same. I had to send them copies by fax Fri XXXX/XXXX/2015 in which they agreed they received it. I have to send them certified registered or fax confirmation for them to acknowledge they received copies of my insurances. My insurance company and agent are tired of the games and so am I. My insurance company tired of sending them copies of coverage and the bills which they do n't pay on time.