davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ECMC GROUP, INC. (MN)

The circumstance began when the Indiana Department of Revenue started reaching out to me to collect a debt from a previous employer of mine. The Indiana Department of Revenue contracted with a company called " Premiere Credit XXXX '' to use tactics to collect my old employers debt while I was working with the Indiana Department of Revenue to have me removed from this account. The Indiana department of revenue removed me as a liable party in XXXX 2015 and Premiere Credit continued to collect the debts after this period until they closed the account in XXXX 2015. During this period of time Premiere Credit notified me that they were trying to collect a personal tax debt that I did owe. Premiere sent a garnishment to my employers payroll company. Premiere did not communicate to me that there was this additional debt other than the debt that I had been released from. As soon as I verified this debt to be true it was paid within 2 days of that verification. Premiere had told me that they sent a release to my employer immediately after I paid the balance. Premiere did not communicate the release of the garnishment to my employer for a week after they had told me that they had sent it to my employer. I had to call more than 4 times to premiere and my employer each to verify that the garnishment release had been received. The representatives from premiere were not helpful and disrespectful when I asked for the release to be sent and they would not provide me a fax confirmation that they had sent the release.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

There is an item I have disputed several times reflecting XXXX Mortgage which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company
Consumer complaint received 2015-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (AR)

lvnv funding llc is reporting on my credit reports that I owe a debt of {$130.00} opened on XXXX XXXX XXXX.i believe this debt is not mine and they should be taken off my report immediately.i have sent a verification of debt letter and have waited patiently for a response and still have not received anything.I have tried calling and got nowhere.original creditor on report says XXXX XXXX XXXX XXXX XXXX I have no idea what that is. I HAVE TRIED CALLING AND WRITING lvnv funding several times I have tried looking up address 's and there are several in several different statesthese are some addresses I have triedLVNV FUNDING LLCP.O BOX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LVNV Funding LLCP.O. Box XXXX XXXX, XXXX XXXX LVNV Funding, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX have also read on internet and several forums that lvnv llc is the same as ressurgence
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Creekside Recovery And Capital Management (CA)

XXXX XXXX from Creekside Recovery Capital Management was trying to collect a debt for XXXX I was told I was being sued for XXXX when we tried to work out a payment arrangement and my mom would n't give out a credit card number, he started yelling and saying everything thing I say is XXXX, then he proceeds to say again I was being sued and that 20 % will be taken from my paycheck. My mom asked for a physical bill in the mail and would send money orders and XXXX XXXX started yelling profanities at my mom. My mom asked to speak to his supervisor and he refused and then said you have an hour and a half to get me a payment of XXXX dollars for the XXXX payment or I will tell my supervisor to give to the judge and do n't call back I will call you for the payment. This all occurred on XXXX/XXXX/2015
Consumer complaint received 2015-05-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Paypal Holdings, Inc (VA)

I received a PayPal debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called PayPal to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the PayPal representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( XXXX XXXX XXXX, XXXX. ) with respect to amounts owed to PayPal relating to the fraudulently opened account.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IN)

I requested my XXXX free credit reports but was able to print only XXXX, XXXX and XXXX. 
Equifax reported they could not provide it on-line and when I tried to ask for it to be mailed I could not do so. When I went back to the Equifax web site it stated I had received my free credit report on XXXX/XXXX/2015 and I did not. I would like to get my report on-line so I can print it off immediately and submit information to make corrections.
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (FL)

On XXXX of 2014, my husband ( who was my fiance at the time ) and I purchased our wedding bands at a value of {$3000.00} at a ZALES Diamond store in XXXX XXXX, Florida. We chose Zales because they had a promotion advertised on their website and on a store front signage, offering a certain percentage off the entire sale and 0 % interest the first year on charge purchases. So we signed up and completed the purchase. We double verified with XXXX ( the sales associate helping us ) that we were qualified for the 0 % interest for the first year promotion. As understood, she verified more than once that we were eligable for the promotion. To our surprise, on XXXX XXXX, a {$600.00} and something charge hit our account. I called in to inquire on the charge, as I know we had n't used the card, and was advised that the charge was backed up interest because we had no paid off our debt & the " promotion '' was for balances paid in 6 months. I WAS IN SHOCK!!! I tried explaining to the associate on the phone that in no given time was this explained to me by XXXX when we asked her multiple times about the promotion. He went on to say that it was in the agreements that we signed. Who the hell looks at all those fine prints?! I asked to speak to the manager, who of course could n't help me & was suuuuuper rude and basically told me I just had to pay the interest charge. Long story short : ZALES is a thieft company. They advertise incorrectly and hide information/fees. I will never be doing business with them again. My husband 's wedding band is giving him an allergic reaction and we are looking into filing a lawsuit against them. Worst part is - they are negligent to help and makes us consumers feel as if they are the ones doing us a favor. The XXXX associate that assisted me on the phone told me that A LOT of people call to complain about the same thing and that A LOT of people say their in store sales associates fail to give them complete promotion information. Funny how their own employees would say that about the company .... really says a lot about them. Stay away from Zales ... cheap quality jewelry & high price tags.
Consumer complaint received 2015-05-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Security Credit Services, LLC (UT)

Security Credit Services , LLC has failed to prove correct date of XXXX Delinquency for an amount owed to the original creditor, XXXX and has been reporting the collection account on my XXXX Credit Bureau Report. Pursuant to the FCDBA Debt Vericiation must be furnished in order to report adverse account on my Credit Bureau Report and thus XXXX XXXX XXXX has also violated the FCRA. They have reported Experian with incorrect Date Of XXXX Delinquency. To my knowledge the date of XXXX Delinquency is in early XXXX and not XXXX XXXX as reported by Security Credit Services , LLC. 
I am demanding Debt Verification from XXXX XXXX XXXX and they must establish the following:1. Proof that the collection company owns the debt/or has been assigned the debt. 
2. A copy of a statement from the original creditor including the amount of the debt and complete payment history ( Established by XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 3. Copy of the original signed loan agreement or credit card application. 
If Security Credit Services , LLC can not furnish the requested Debt Verification or Correction, they must remove the collection account from my XXXX Credit Bureau Report. If they keep reporting it, they are clearly violating the FCRA guidelines and I have the right to sue Security Credit Services , LLC for {$1000.00} in damages in addition to court costs. 
XXXX Credit Reporting Agency, XXXX Credit Bureau also must provide " Method Of Verification '' of the alleged Security Credit Services , LLC account. 
XXXX and Security Credit Services, are both causing me financial harm by continuing to report the negative account incorrectly.
Consumer complaint received 2015-07-29
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

On XXXX/XXXX/2015 I went online to Western Union and started a Money Transfer Transaction for {$510.00} USD to my wife in XXXX. I choose WU Pay as the method to pay for this transaction. To utilize WU Pay I had to set up their account with " Bill Pay '' at my bank. I then approved a transaction with my bank to pay {$510.00} + XXXX fee = {$520.00} USD to WU Pay. WU Pay stated on the Western Union website that the transaction would take 1 to 3 business days for approval of funds received. WU Pay told me on XXXX/XXXX/2015 they never received my payment and would not wire the money to my wife in XXXX. My Bank said they sent a wire transfer for {$520.00} to WU Pay on XXXX/XXXX/2015 and had confirmation it went to WU Pay. I made several calls to WU Pay and each time I was told they had not approved receipt of my payment and could not complete the money transfer to XXXX. Finally I told them I was going to stop payment on this but was unable to do so because it was a wire transfer originally. WU Pay held my money for 5 days and refused to send it to my wife all the while telling me they had not received funds from my bank. On XXXX/XXXX/2015 after talking with Western Union again, I received an email that they had not received payment from my bank. WU Pay has my money and will not send it to my wife.
Consumer complaint received 2015-10-08
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Hello my name is XXXX XXXX filing a complaint on a loan company called California Check Cashing on XXXX XXXX, CA. I just had a baby, so I am having a little hard times right now especially with hours being cut at my part time job. So, I decided to get fast money by taking out a pay day loan. My baby boy needed a few things. I was approved for {$200.00}. My loan is due XXXX XXXX, 2015 of {$230.00}. I have been calling since the XXXX trying to get a payment plan like they let me do last year in XXXX, because hours got cut even more because of seasonal hiring. The loan company refuses to allow me to do a payment plan. They told me I can only do it once a year and I did it last year, this is 2015 now. Mind you I pay all my payday loans back on time and I am a regular custimer there and they refuse to work with me. I asked to speak with a manager or supervisor she refused to ransfer the call. Very bad customer service there.
Consumer complaint received 2015-07-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (MD)

RE : XXXX amended this complaint to note that Ally refused to refund monies to my account that were fraudulently charged by XXXX XXXX XXXX repair. XXXX badly scratched my glass lenses, refused to refund my monies of {$55.00}. I completed a XXXX page form for the bank and they did nothing. The glass lenses can not be photocopied and sent to the bank which they improperly requested. As it turns out, this merchant has a reputation for this conduct and is being sued by their former parent company for this fraudulent conduct. 
I have never been put to this trouble before by a bank. I want the monies refunded NOW. 
Neither has Ally reopened my account. It was overdrawn by just {$6.00} because I was waiting for refund to be made which the bank did receive. I was also waiting just a few days for my SS check to be deposited. when a single person names XXXX closed it on his own accord per my earlier complaints about their poor customer service. I WANT ACTION NOW!!!!! not later
Consumer complaint received 2015-10-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

Please be advised that we have a short sale file opened with Wells Fargo Bank. WE have cleared all liens, and our buyer is going to walk if we do not get approval. The seller started the process long ago, and Wells continuous delays will cost them another buyer. WE have filed complaints with the senator, congressman, XXXX XXXX HUD 's contract and need additional assistance. The offer supports the best offer in the current economy. This is an FHA loan that will require mold treatment and a loss to the XXXX government and tax payers if the home is conveyed to HUD with a substantial loss to the XXXX government and tax payers.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am deeply frustrated, please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health.
Consumer complaint received 2015-03-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX is XXXX XXXX XXXX XXXX that tried to double dip with XXXX XXXX by issuing XXXX bills in the same amount. I spoke to them several times regarding Insurance and " NO PATIENT RESPONSABILITY '' and several months later I find collection attempts listed on my credit reports from TRANSWORLD SYSTEMS INC Collections in the amount of {$970.00} directly affecting my Credit Reports and Score. I call again and find that the accounts were recalled and deleted by the XXXX and the information removed in their systems. The recall did not reach TRANSWORLD SYSTEMS INC Collections and negitive information was placed on my credit report BEFORE the information was verified ( PRIOR TO RUINING MY NAME ). This is proof that this collections agentcy failed to validate a debt and is in violation of the FDCA. Validation is done before listing it on the XXXX credit reporting sites. This directly affected my interest rates and caused a denial of credit. My name has been smeared by TRANSWORLD SYS INC since they acted first and ask questions after the fact. If TRANSWORLD SYSTEMS had followed federal law the information would never have appeared on my credit reports. I want all ALL negitive information for ANY accounts removed from my credit reports since they do not validate debts before the ruin lives.
Consumer complaint received 2015-10-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I have asked the creditor/collection agency for a itemized statement as they were stating I owe {$500.00} and the owner of the loan is stating {$1500.00}. That is a huge difference. I still have not received the itemized statement for my payments that I have made.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I received my mortgage payment coupon from Ocwen and its now {$150.00} more a month so I called Ocwen Financial and they said I am short on escrow since XX/XX/2013 so they added it to my payment starting this month. I was told by the previous lein holder XXXX that you can not have a shortage for more than 1 calendar year. My present taxes and Insurance have not hanged significantly so I do n't get it?? There is no increases in any of the taxes and homeowners Insurance an there has n't been so how can they justify this increase?? They told me if I dont pay the new amount they will start foreclosure against me. I only owe {$67000.00} on my mortgage with them and I think they are trying to steal my house because its worth a lot more. Back a few months ago I was struggling and asked Ocwen to send me hardship info and I think that 's what started this whole process working against me.. I have seen on consumer affairs page about a man having same issue with Ocwen so beware they might be trying to grab others houses too. XXXX XXXX XXXX XXXX FL
Consumer complaint received 2015-05-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Total Finance AC LLC (IL)

I have a Car loan for a XXXX Cadillac escalde. I have Fell behind in payments and was concerned I hired a power of attorney to help me out His name is XXXX XXXX He has been doing his job He sent a cease and desist letter to the creditor and they call me non stop and are harassing me daily They even call third parties for me such as my son in aw and my son in law mother It is ruining my family slowly and is embarrassing What else can I do? Also they have now started to take my wages from my paycheck I had no notice of this No paperwork, nothing in fact of this How is that right or fair to me? Why do they harass me? Why are they taking my wages with no notice to me? The creditor, loan company is total finance, they are located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX, XXXX their phone number is XXXX I have all phone records as proof I also have all the voicemails I have my paycheck for proof of the garnishment I also did my research on this company and found they are notorious for breaking laws Such as not reporting correctly to the credit bureaus also giving people vehicles with bogus social security numbers and very high interest rates that change from the dealership to the paperwork I really need your help to stop them from breaking the laws please I do not know what else to do XXXX XXXX the power of attorney sent the cease and desist with conformation received from them on XXXX XXXX 2015, and XXXX XXXX 2015 They tell XXXX their attorney will call him and they have never called him not one time they call me daily they leave robot voicemails and live voicemails on my cell phone which I also believe that robot message on a cell is illegal Its a fact they are a bogus company that break laws its public information and also have attorney general reports on them
Consumer complaint received 2024-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RoundPoint Mortgage Servicing LLC (NC)

I have been trying to get a recast completed for over a month, since XX/XX/24. I've both emailed and mailed the requested documents to pay off 90 % of my loan. Roundpoint has not responded. Meanwhile, they continue to delay the process and benefit by collecting interest on a loan I'm trying to pay off. It is impossible to get anyone on the phone in a local office. I need for a local person from the XXXX XXXX office to contact me with an update.
Consumer complaint received 2015-06-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Attempting to work a short sale for my property with Wells Fargo XXXX WF XXXX. Filed previous complaint XXXX case number XXXX ) and WF response was, " Be advised that when it 's been determined an account is eligible for a short sale and a signed offer is received, an appraisal or Broker 's Price Opinion is ordered. We 'll then research and review the offer. After all required information and approvals are received ; the short sale decision will be communicated to you within 30 days. " We have had a contract since XXXX 2015, WF just keeps asking for bank statements, then they say I do n't qualify, that I can afford the payments, now they say the offer is too low but will not respond with a price range of what the offer should be. 

The issue is, that I ca n't sell the house for what I owe on it, which I am told is considered a Short Sale. WF does not seem to use the same definition though. The current buyer has been waiting for 5.5 months. WF has stretched this contract out until XXXX. I am going to lose this buyer too because of WF 's stalling tactics. 

We have provided all documents requested within 1 business day in every instance. If WF has a different definition of a short sale, then they should have stated it up front and never let this go on this long. We have been up front and honest with them all the way. 

I was paying the mortgage up until XXXX. I was told at that time, that they could n't even consider a short sale unless I was 31 days late. If I ca n't sell my house for what I owe on it, why does it matter if I am paying the mortgage or not?
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (GA)

I, XXXX XXXX, would like to submit this complaint to CFPB in hopes of finding a resolution to settling my loan modification. I started this process ( loan modification ) back in XXXX of this year with Citi Mortgage and was approved for the loan modification ; However, I am in the process of losing my approval for my loan modification because I was informed by Citi Mortagae that my ex-husband had to sign the loan modification documents because his name was on the loan. Although this is accurate, my ex-husband signed over his legal rights to the home in the divorce decree and the warranty deed is in my name. I have attempted several times to get my ex-husband to sign the necessary documents for the loan modification but he has refused to sign and as a result of this, Citi Mortgage has decided to terminate my approval for the loan modification. It would be of great plesure if someone from your team could respond with next steps on how to get this issue resolved.