davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (CA)

On XXXX XXXX, 2015, I received my free updated " XXXX '' credit report. 
After reviewing it for accuracy, I noticed a " negative credit entry '' remark that I owe " XXXX '' approximately $ XXXX since " XXXX 2015. " I 've had " XXXX XXXX XXXX '' for the last 18 years. I 've never had " XXXX. " So I called up this " debt collector '' named " Diversified Consultants '' at XXXX as listed on my " XXXX '' credit report. 
All they said was " Pay if off, and then we 'll take it off your credit report. " I told them it was n't my debt, that I 'm a victim of " Identity Theft. " They just then " hung up '' on me!
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (ME)

XXXX I contacted XXXX regarding my credit card account number XXXX I explained my dispute regarding this account is the XXXX reporting agenciesshow I owe XXXX a " XXXX XXXX XXXX Of '' {$3700.00}. However, XXXX " Charged OffAccount '' as of XXXX XXXX and issued me a Federal form XXXX requiring me toclaim {$2700.00} of this amount as income on my XXXX income tax return. I did claim this amount as required and paid income taxes on this amount. XXXX explained to mealthough I was required to claim this amount as income and pay taxes on it ; and I add in addition, XXXX deducted this amount reducing their corporate taxable income, XXXX submits I still owe them the total balance of {$3700.00}. I know for fact I had to claim as income {$2700.00} of this amount and paid income taxes on it, and I can presume XXXX reduced their corporate taxable income by the larger amount of {$3700.00}. Based on this information, I neither owe, nor does XXXX have any basis of which to claim they can collect, which they did imply they had by stating to me, " Although we are not " actively '' collecting, the balance is still due '', I am not satisfied with their answer ; therefore, I am pursuing you to resolve our dispute based on the above and following, but not limited to, information. XXXX I contacted XXXX at XXXX, her ID number wasXXXX. After I explained my previously mentioned dispute, XXXX said she wouldupdate my account with the XXXX credit reporting agencies based on the beforementioned information I gave her. XXXX/XXXX/XXXX - I receive a letter from XXXX stating the XXXX credit reporting agencies have been updated to state I still owe XXXX {$3700.00}, which includes {$2700.00} reported on the XXXX and the additional {$980.00} ( XXXX, XXXX {$980.00} ). I am submitting this to you to resolve because I am not satisfied with XXXX 's explanations for not removing the amount of {$3700.00} show as " Amount Past Due '' to the XXXX credit reporting agencies. I dispute XXXX should report an " Amount Past Due '' off {$0.00}. Please contact me at XXXX to resolve this dispute. Thanks so much, XXXX XXXX ( XXXX ) XXXX XXXX E-Mail : XXXXXXXXXXXX
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (KY)

I have a judgement listed on my report by XXXX that has been vacated or dismissed due to XXXX illegal collection tactics. Im currently disputing with Equifax and have recently disputed and they continue to somehow verify as acurate. I now have a copy of supporting documentation that supports my claime please note that there were several accounts dismissed are that were included with my lawsuite against them in the documents. Please review the uploaded documents.
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NM)

Thought charge was fraudulent turned out it was n't. Bank charged back merchants account. I paid merchant again w different card. Reported charge good. They charged card again. Said would refund card in two weeks. Never did. Dragged out dispute. Finally asked for documentation that paid with another card.Sent to them. They now say it came after time in which case was open. Closed case, wo n't refund money even though its legitimately mine.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (OH)

I requested a cashier 's check from Ally bank to issue from my checking account on Saturday, XX/XX/XXXX in the amount of {$7000.00}. Money was taken from my account on Monday, XX/XX/XXXX with a fee for a guaranteed 2-3 business day delivery. I called Wednesday, XX/XX/XXXX because I had not received the check, it had not yet been shipped, I called again Friday, XX/XX/XXXX and the check has not yet been shipped. They refuse to give me an answer as to why, they will not return my phone calls and I am kept on hold for XXXX minutes waiting to speak to someone and no one comes to the phone. They refuse to provide tracking information or confirmation of the check being sent.
Consumer complaint received 2015-03-20
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Community Health Investment Company, LLC. (MS)

XX/XX/2014 I had XXXX at XXXX XXXX XXXX XXXX in XXXX Mississippi. As a result I managed to acquire XXXX separate accounts that I began receiving bills for. I asked the hospital to combine the accounts so I could make larger payments on XXXX account but they refused. The first XXXX accounts I managed to pay off fairly quickly. The XXXX and XXXX accounts I was still paying on when XXXX XXXX turned the larger of the XXXX remaining accounts ( the XXXX account ) over to Professional Account Services ( PASi ) for debt collection. Up to this point, all of my payments had been made directly to XXXX XXXX XXXX Systems. A representative from PASi called me at work and during this conversation I was told that it was ok to continue paying the hospital, but paying PASi was the same as paying the hospital, and that I should pay PASi. Told him I had no intention of paying the debt collector and that all of my payments would continue to go directly to the hospital. I explained to this representative that it was unfortunate that his company had gotten involved in a matter, as I could prove that payments were being made on all of the outstanding accounts, not just the one that had been turned over to his company. At this point the hospital was wanting me to pay XXXX a month on the account that they have not turned over to collections and PASi wants me to pay XXXX on the account that had been turned over to them. I had explained to them on more than one occasion that I could not pay their minimum balances. In XX/XX/XXXX, I received a letter from a law firm saying the account had been refered to them for legal action. I responded to the law firm with a letter of my own and explained to them the same thing I had been telling XXXX, and took the opportunity to remind them that I had been and still was paying the bill. I have now been supoenaed to court on XXXX XXXX. This suit was filed with XXXX County Justice Court on XXXX XXXX, 2014, a month BEFORE I received the letter from the law firm saying they were reviewing it for legal action. Why the law firm bothered to harass and intimidate me further when the debt had already been filed with Justice Court is beyond me. Why I 'm being harassed for a debt I 'm paying and now sued for a debt I 'm paying is beyond me as well. They say to call and make payment arrangements. I 'm already paying them, why should I make payment arrangements on something I 'm already paying? They were n't willing to work with me and combine the accounts. Why should I work with them and make a payment arrangement for something that 's being paid? Now, I have to miss time from work to go to court for this. I do n't understand why I was turned over to collections and sued when I have been and can prove that I have been paying them.
Consumer complaint received 2015-12-02
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (ID)

I am currently in a loan where I owe XXXX I can not pay for it because I have just lost my job, I will be going to college and after that the loan will be too much for me to even pay for. The bank that I have is with XXXX and this is in Idaho. I called them and talked to XXXX different people about the problem that I have and they had no solutions I wanted to foreclose the loan and they were not able to process it I am currently filing for bankruptcy and will be stopping any further payments to this speedy cash loan place, I WARN ANYONE WHO DECIDES TO GRT A LOAN DO NOT AND I REPEAT DO NOT GET XXXX HERE because this is absolute XXXX.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax has an item listed on my account from XXXX. They are saying I owe XXXX XXXX money. This is not true. I have not lived at XXXX XXXX for almost a year. When I lived there, I always paid my rent on time. I stayed through the term of my lease, and gave notice I was moving out. I do not owe them any money, and they never refunded my security deposit. I want this item removed from my credit report, and I want my security deposit refunded.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

Hello my name is XXXX XXXX. my investigation is not yet complete, from XXXX, Equifax, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you
Consumer complaint received 2015-09-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

Pursuant to the Fair Debt Collection Practices Act, I sent this company a request to validate a frivilous account they had reported on my account. The company responded refusing to provide any proof and persevered with reporting this frivolous account on my credit report.
Consumer complaint received 2015-12-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I have a loan through Nationstar Mortgage, I have automatic payments of {$1900.00} a month that pays automatically every month. In early XXXX I received a call from Nationstar rep stating that my payment was short by {$120.00}, I asked why and they stated that escrow analysis showed that there was a shortage. I was not notified about this by either phone or email. I asked the rep why my payment has increased by that much when my insurance premiums went down and the county tax had not increased. The rep could n't tell me and told me to call the escrow department. I called escrow and asked the same question, they put me on hold for almost an hour and I finally had to hang up. I called the next day to complain and asked to talk to a supervisor, they never called me back. Now I received a letter from them stating my loan is in default. I been trying to get answers from them about my escrow for over three weeks and still have not gotten a response. Can you help?
Consumer complaint received 2015-04-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I own a small business in XXXX XXXX, as a regular practice I have to send checks back to my clients for refunds. On XXXX XXXX, 2015 I mailed out a check to one of my XXXX to XXXX for {$770.00} dollars. After 15 days my client called and ask me about the refund because he never received the check. I went to the branch where I have the account located in XXXX XXXX and XXXX XXXX XXXX XXXX, and the check appear deposit and paid to the account number XXXX in XXXX XXXX My client has not business in XXXX, he lives in XXXX XXXX I dispute the check with the Capital One Bank immediately but not case number was given to me and I asked for it, few days again I spoke to the branch manager who told me that the case was with the Fraud investigation unit but she can not give a phone number to follow up. After 2 months I have not received any answer for Capital One neither my money has been refunded. 2 weeks ago I went back to the Bank again and the management was changed and I was told they do not know about my case. Capital One Illegally deposit a check from my business in an account above mentioned in XXXX XXXX, XXXX XXXX miles away from my client location and has been negligent in resolve the Bank fraudulent deposit and refund the money to my account. 
Please see attached the fraudulent deposit in XXXX XXXX check XXXX XXXX XXXX, 2015 and the check I mailed out to my client a month later and deposited in California, check XXXX, this check has his real signature. 
Please see my account information below. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXXCapital One BankACCOUNT N : XXXXBranch Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXPhone numbers ; ( XXXX ) XXXX / ( XXXX ) XXXX XXXX
Consumer complaint received 2015-10-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

My payment was lost and in addition to countless late fees, my credit reflects a 30 day late payment, when in fact, they had the payment but it was sitting in suspense on my account. It took 3 weeks for Penny Mac to correctly apply my payment and now they refuse to remove the hit on my credit.
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

The company that is now servicing our loan:1 ) modified our interest rate early : we had a modification that was suppose to run through XX/XX/XXXX payment, they modified our interest rate early, XXXX 's payment, and screwed up our payment amount. 
2 ) They paid our property taxes : We have never had an escrow account with this loan, we have always paid the taxes ourselves. They did not inform us that they were going to do pay our taxes or even ask if we were going to pay them, they just went and paid them. Then a month after that they added the amount they had paid to our loan balance, which they can not do. 
3 ) They have started adding mysterious charges : They have never informed us as to what these " Fees '' are for, they simply added them to the bill. 
4 ) Now they are trying to add an escrow account, even though it clearing states in our loan that there is to be NO escrow account and that we will be paying both the taxes and the insurance. Which we have done for the past XXXX years without fail. 
5 ) we asked for a loan modification in XX/XX/XXXX, we have not heard back from them, other then to send us endless form letters that say nothing. When I call I am told that I can not speak to that department because they do n't have a customer service line, when I ask if they can have them call I am told that all the person I am talking to can do is send a message to the other department and ask them to contact me. When I pointed out that they have never called me back from any of the XXXX phone calls I have made they tell me sorry, all they can do is send a message, even when I ask to speak to a supervisor I am told that all the supervisor can do is send a message.
Consumer complaint received 2015-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company XXXX XXXX XXXX.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

I applied for credit with synchrony Financial in XXXX. My total bill was for XXXX.. A week later I checked my account and there was an extra XXXX. I have called the company several times and the issue has yet to be resolved. I Have spoken to XXXX ( manager with XXXX XXXX : XXXX ). I have contacted XXXX XXXX general manager of XXXX ( XXXX ). I called the company directly and spoke XXXX ( ext XXXX ) XXXX ( ext XXXX ) XXXX ( did n't get her extension ). I never agreed nor did i receive any services totaling XXXX the issue has yet to be resolved.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from Ocwen Loan Servicing since XX/XX/XXXX. They told me that they can give me a modification but the amount they give me was more than the amount I could not pay from the beginning. I need help to get this company to work with me and give me a reasonable loan modification payment that I can afford. How much longer will they play this game? I understand that im delinquent but they are not helping me to get a loan mod that I can afford. 
I have now foreclosure sale date XX/XX/XXXX and am scared that I will lose my home and not get a chance to get approved for a loan mod that I can afford.
Consumer complaint received 2015-12-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

The Merchant XXXX XXXX and XXXX XXXX, according to the debt collecter, Portfolio Recover Associates, LLC, sold them the debt. I never received a bill from The XXXX XXXX or XXXX. When I asked the debt collector what it was I bought, they could not provide that information. When I asked them to provide my signatures on the CC slip, they could not provide that either. The representative told me that I set up the account without knowing it. What really hurt me is that the debt shows bad on my credit report. Therefore, they probably have my social security #. I know they at least have the last XXXX. They have called my house also to try to collect the debt.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (PA)

Under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports these creditors have violated my rights.

Permitted Uses : My credit report can only be accessed for specific purposes, including : To evaluate my creditworthiness for credit applications. 
For employment screening ( with my consent ). 
For insurance underwriting. 
For account review or collection of an account. 
Consumer Consent : My permission is required for a consumer report to be obtained for employment purposes.

Disclosure : If my credit report is used against me ( like in credit applications ), I must be notified and provided the name of the credit reporting agency that provided the report. 

I have noticed these companies and requested proof of an application or written consent provided by me to allow them to furnish inquires on my credit report or access my credit report. 

I have been a victim of Identity theft and there have been several attempts to access my credit reports and open accounts in my name by unknown people. My mail has not been being delivered, although I pay for informed delivery services via XXXX, the mail scanned at the post office has not been being delivered. I have had a break in of my vehicle where valuables ( XXXX, Laptop, Portable hard drive ) were taken that stored my personal information. Since, I have been receiving bills for accounts I did not open, and I have had fraudulent transactions in my bank accounts. I also have received notices from multiple companies stating that my personal information had been leaked in a data breach. I The privacy events have severely impacted my credit score in a negative way.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery Associates sued me in Colorado court without proper notice of a court date or verifying the credit card debt. They told me it was a valid debt and I had to pay. I ended up paying something like {$5000.00} to them since they garnished my wages and I just saw the CFPB article about Portfolio Recovery Associates illegal activities by XXXX so I want my {$5000.00} refunded.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I am currently experiencing extreme difficulty with the credit bureaus. XXXX, Equifax, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, XXXX, and XXXX XXXX are all in good standing. I have been paying about XXXX80 % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information. Inaccurate, incomplete or unverifiable information must beremoved or corrected, usually within XXXX days. However, a consumer reporting agency maycontinue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a zero balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (KY)

XXXX is XXXX of XXXX accounts that reports perfect payment history on my equifax report but yet reflects as a charged off account in the comments remarks section on my report. How can a account be charged off but yet has a perfect payment history. This is inacurate false and misleading and has cause my overall credit file not reflect my true character.