davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Colony Brands, Inc. (NY)

seventh avenue at XXXX XXXX XXXX XXXX wi XXXX first off this is not my debt and also it has been put on my credit report. I called the company and several laws were broken due to FDCPA, the rep did not verify who they were speaking with, disclosed a debt that did n't belong to me also there was no call discourse done which are clear violations of the law. this company has put this on my credit report in 2007 for a XXXX debt. I have advised them it was not me and I am DEMANDING the trade line on my credit report is removed or I will be pursuing for laws that have been broken by there management staff and I would suspect it would cost a lot more than XXXX when I hand over the recording. also I would suggest that the owner or COO or board of directors contact me due to the fact that over XXXX and a law suit that would coast much more would probably not be acceptable, also I will be going to the news, social media about this situation. bottom line REMOVE THE TRADE LINE FROM MY CREDIT REPORT
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (OH)

I have a Rushcard. Where do I start? My paychecks were deposited late and my balance has continued to be wrong. My card is not working for some bills. My car payment and credit cards are now late and have been assessed fees. IXXXXwas forced to pay out additional money to keep utlites on because i failed to keep original agreements. Customer service is not taking calls. It hangs up on you or you wait on hold for hours. Items having been pending for 10+ days. iXXXXhave been overcharged at the gas pump and double charged for online purchases that occurred prior to realizing my account was having a problem
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Credit Report Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for 5 years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah 2 years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2015-03-31
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Filed for a remodification with Bank of America, was approved with no principal balance or interest rate reduction. Was told because I have an FHA loan I was not eligible. 

Now I have to consider paying an attorney XXXX to take care of it, why? 

My property is XXXX underwater. I requested a letter from them a week and a half ago and never re eived it.
Consumer complaint received 2015-06-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (LA)

I was rushed to hospital with XXXX XXXX XXXX an was not able to pay for my services rendered at this time. XXXX XXXX contaced a charity and said that the cost of my services woukd be written off or a charity organization would take care of this ordeal.At the time of sickness there was no insurance and I was not able to pay for my sickness. I work parttime in a XXXX and insurance is not provided by my employer.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Bankruptcy — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I had XXXX credit card accounts with HSBC. They were both discharged in chapter XXXX bankruptcy. On my credit reports they were showing the status as " CHARGED OFF ''. I disputed these accounts with the credit bureaus and they both came back as verified. I then wrote HSBC a certified letter asking them to update these accounts to show that they were " INCLUDED IN BANKRUPTCY ''. I sent the letter certified mail. That was 3 months ago and I have not received a response from them. I then disputed the accounts again in XXXX and once again they came back as verified.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (CA)

I have a direct withdrawal set up for my credit card payments. The bank did not take out XXXX payments ( which I had accounted for ). They claim they sent me mail to let me know that I needed to renew my agreement, which XXXX employees of Chase verified were returned to them, as they have the wrong address for me ( a computer glitch that lists an apartment number incorrectly, WHICH I HAVE CALLED TO CORRECT BEFORE! ). However, when forwarded to XXXX XXXX, Supervisor of Customer Services for Credit Cards @ Chase Bank in XXXX XXXX, TX, he claimed he could see the returned mail, but he would not count it as the date of return was not logged in on the computer on his end, so the missed payments would continue to be reported. This was CLEARLY a mistake on their end, and has been verified by XXXX of their employees, including XXXX ( Emp. I.D . # XXXX ), but he simply refused to correct it on their end, and refused to allow me to speak with anyone above him who could correct it. This error on their part has caused my credit rating to drop more than XXXX points in less than a week.
Consumer complaint received 2015-10-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SQUARETWO FINANCIAL CORPORATION (PA)

CACH holding has not contacted me in the 2 years of debt that I have owed them. I have not received a single phone call or letter from this agency. My credit report shows " criminal activity '' and other key issues that are currently denying me from receiving an auto loan. I have been trying to resolve this issue for over a year, with extreme persistence through the last month. I have not been able to find any contact information about this holding company and my current debt is affecting my ability to acquire a loan for a car that, due to my location of residency, I desperately need in order to continue to remain employed. I need this issue to be resolved this week.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has consistently violated XXXX request to rescind any and all wording of foreclosure in the records of XXXX XXXX loan # XXXX. It 's shocking that the have continued this reporting with the knowledge that request to squash has been in there hands for years. This information was also presented to XXXX.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I have contacted Experian via phone, letter, and through its website dispute process. I was a victime of identity thieft with a credit card company call XXXX XXXX XXXX. I filed a FTC report and submitted several affidavits.
Consumer complaint received 2015-11-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (WA)

Midland Credit Management issued me a refund check in the amount of {$1000.00} on XXXX XXXX, 2015. This check was deposited by me on XXXX XXXX, 2015. However, this check was voided on XXXX XXXX, 2015 by Midland Credit Management because it was supposed to be issued to my father, XXXX XXXX, and not me because it was a refund to the individual who had paid the original amount to Midland Credit Management. I spoke with customer service on XXXX XXXX, 2015 and was told a refund check will be issued within four to six weeks to my father, XXXX XXXX, and will be mailed to his address within that time. However, it is now XXXX XXXX, 2015 and six weeks from XXXX XXXX would be XXXX XXXX. Further, I spoke to a customer service representative on XXXX XXXX, 2015 and was told that the refund was issued on XXXX XXXX, 2015 to the card that the original payment was made to Midland Credit. However, this card has since been closed and no further information from Midland has been provided. In addition, the customer service representative hung up on me after placing me on hold. 

This is the second complaint I have initiated through the CFPB and the first was successful in that Midland Credit Management finally issued a refund check for the full amount that was paid to stop any further collection activity for a credit card that was deemed opened fraudulently by XXXX XXXX XXXX. However, my correspondences to Midland Credit Management alone could were only ignored.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
Consumer complaint received 2015-10-23
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Holdings LLC (MA)

Applied for a Reverse Mortgage at Urban Financial Of America. Send in every document that was needed to complete the process. The loan officer XXXX XXXX mention to me.he did not know how to work on a purchase reverse mortgage but the company will complete in a.couple of weeks. This was the first week in XXXX. They waited the last minute to do the appraisal. The company asked me XXXX separate occasion for the same documents. I spoken to various levels of commands in the company still nothing. My identity was stolen 2 years ago.submitted the police report and other documentation of that incident. They were fine with that. I was told at 2 weeks ago that I had to pay for half of the appraisal. If I was told.in XXXX it would have been done in XXXXEverything Received the Good Faith Estimate in XXXX. I signed all documents and returned them. Conference calls up my Broker and Urban Financial Of America. UFA makes excuses at the last minute why they missed the call. 
I am a very frustrated consumer. I NEED your HELP. I do n't want to lose this property. I want settlement no later than Wednesday, XXXX XXXX I do n't want to loose this property
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

Filed numerous complaints against this company to no avail. I recently noticed Green Tree has my account XXXX ( XXXX days ) past due which is totally false. I have bank statements to proof it. billing showed a XXXX ( XXXX ) missed payments, even though my bank records showed they had cashed. This company are crooks.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Empowerment Ventures, LLC (FL)

Ive had my rush card since XXXX. The company decided to do a massive update on Monday XXXX advising we would not have access to our accounts until XXXX. then put out another notice saying our accounts will not accessed until noon that day, luckily they stayed true to their word and I was able to access my money and get to make it home that night. moving on as the days went on I noticed a lot of pending items on my transaction history and I was missing over XXXX and not able to pay my car payment or car insurance or light bill. ive tried to contact the company via phone and through twitter with an automated response sayin someone from the company would contact me. that was a week ago and I have yet to hear from anyone. ive literally paid my money to this company for 6 years. that is XXXX in MEMBER FEES over the past 6 years and I am missing money to pay my bills. its insane because the COMPANY OWNER Himself is abillionaire. its just sad. he can more than afford to issue ADDITIONAL refunds to all the accounts affected PLUS the money that is owed to them. ive had to stop my direct deposit and figure out how to cash my upcoming paycheck. you have the money and resources to fix the issue. get it done. I have a credit union as well but I Loved the convenience of getting paid early and with my family living so far away from me green dot access cards were great for when my mom wanted to send extra money. now I do n't know what to do and the company could care less. no one has reached out to me and I need a resolution. now.
Consumer complaint received 2015-06-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California (CA)

I have been speaking with representatives over a course of a couple of years. Most recently, I decided to call and speak with someone about getting these accounts taken care of. There was a delay because there was some accounts that they had that needed to be retracted/deleted by the original creditor. I ended up speaking with someone that gave me a total of a certain dollar amount over {$700.00} to pay in order to settle the account for deletion. She gave me this option with either removing all interest or giving me a 25 % discount, which equated to almost the same total. She said this would both resolve the account and result in deletion from my credit report. Between that conversation and the one that I had today, I called and attempted to settle for less ( understanding there might not be a deletion ) and was told they could n't accept only that. So I told them I would continue to get the rest of the total that was originally requested from me because I wanted the deletion. I finally got all of the money together and called back only to be told by someone else that paying this amount would not result in deletion, only showing account as paid. This does not make sense to me that a company is able to be so disorganized, that different reps are able to give different rules. Now I am being told that there 's no way to get rid of all interest or there can be no deletion.
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a call at XXXX on XXXX/XXXX/2015. The representative did not disclose that it was an attempt to collect a debt and never confirmed who she was speaking with before discussing the debt that I supposedly owe.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MS)

I originally received a mark on my Credit Report from XXXX for an account with XXXX. I disputed the information as the amount was incorrect, and I never received verification of the debt. The account has now showed up with XXXX, and I have disputed it for the same reasons. The CRA has previously removed the information for the XXXX, but will not remove the information for XXXX.
Consumer complaint received 2015-06-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I am contacting you about XXXX overdraft fees that were placed on my First National Back checking account. I contacted the costumer service department on XXXX XXXX about these fees and was told that someone will contact me about them. No one has contacted me at all. 
On XXXX XXXX 2015 my account balance was {$13.00}. I also deposited a check for {$15.00} on XXXX XXXX which was a XXXX so I knew it would not clear until the following XXXX. I spent {$8.00} with my debit card on XXXX XXXX at a XXXX gas station. The bank is telling my that the XXXX purchase overdrew my account because that purchase was pre authorized for {$20.00}, which I did n't have in my account so it overdrew. I did not spend {$20.00} I spent {$8.00} which I did have enough to cover. XXXX other transactions after that got overdraft charges put on them after this. 
This is not the XXXX time I have had problems with this bank. I filed a complaint a while back and the took off the fees. I am asking that the XXXX overdraft fees totaling {$110.00} be returned to my account. 

Thank You
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (NH)

I have been receiving phone calls from this company for about a year at least XXXX or XXXX times a week. They just leave a recording. I do not owe anything to anyone so I have no idea why they keep calling me at all hours of the day. I would like them to stop calling me. Could you please contact them? 

Thank you so much,
Consumer complaint received 2015-06-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NE)

My loan was reported to the credit bureau as past due and I never received a past due notice or call to resolve the issue in a timely matter. I am not a chronic debtor and any reporting to the credit bureau should be communicated in proactive measure. I am disappointed in the service response in trying to resolve this matter. According to the creditor this is their policy and they are not required to inform me of the delinquency.
Consumer complaint received 2015-06-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

This recovery company continues to call ( over XXXX months ) asking for a " XXXX '' ( no one of that name resides here ). It is a debt collection company, and they wo n't take me off their list.
Consumer complaint received 2015-10-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

Please refer to case # XXXX. I have applied on behalf of my aged ( XXXX yrs. old ), ill mother to have Chase Bank reduce the interest rate on her mortgage loan XX/XX/XXXX. She is currently paying 7.85 %. The she is retired and on a limited retirement income. The house needs a new roof as the current roof is over 50 yrs. old and is leaking causing water damage to the structure. She is trying to save money to replace it. We supplied Chase with all of the required documents but they have continued to " sand bag '' us by taking their time and requiring each month that we supply additional bank statements, proof of residence, etc. We recently sent a copy of a utility bill ( water bill ) showing that my mother lives at this property. They are refusing to use the document. This has been going on since XX/XX/XXXX, 4 months now. My mother is getting very upset over this. She has made every payment on time since loan inception, XX/XX/XXXX. We need assistance from the Consumer Financial Protection Bureau in getting an answer from Chase Bank.
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A. (VA)

I received a letter stating that l owed XXXX from Weltman, Weinberg, Reissue and Co. LPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX phone is XXXX. About a month ago or more l received what felt like initially a scam and then an intimidating and threatening phone call from this Collection agency.if l remember correctly, the representative They asked me for my personal information. They refused to tell me who they were.l eventually spoke to a representative from their law firm and told them that l had not taken out a credit card and that the transaction was fraudulent. I just received the letter dated XX/XX/XXXX. It is XX/XX/XXXX today. In the letter they supplied me with a copy of an application for a credit card that someone in XXXX XXXX XXXX XXXX took out in my name on XX/XX/XXXX XXXX. I live in XXXX. I have not been to XXXX XXXX. I do not owe this money. This is a fraudulent transaction done in my name that the bank, XXXX XXXX approved in XX/XX/XXXX. I need my credit report corrected. In the meantime they advised me that l need to report this to the FTC and file a police report.The number that was used for the drivers license does not match my drivers license
Consumer complaint received 2015-05-12
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (VA)

In XXXX I have never had a late mortgage payment. 
My payment is P.I.T. there is no in loan insurance. 

My present loan servicing co. ( ocwen ) claims, since they took over the loan, ALL payments for XXXX+ months have been late.This never happened. For XXXX+ months they have been harassing me to pay thousands extra. Because THEY made several mistakes! 
The extra amount they claim is due changes up and down by thousands every month or XXXX. 
I have figured out that they seem to lose track of customers payments all the time and do n't have employees that can read their " payments received '' list. 
Maybe they do n't have a " Payments received list '', but they should have XXXX since they are in the business of receiving payments. ocwen has a reputation of doing this to thousands of citizens regularly. 
This usually ends in ocwen FORECLOSING on people 's homes! 

I have sent them transcripts from my bank 's bill payer system ( XXXX bank ) showing all payments exactly on time every month. The payments are " Wired in '' so they can not " lose '' any of them ( they " lose '' payments regularly ) and they still keep trying to collect thousands in erroneous fees. 
I need this to stop.