davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SECURITY CREDIT SYSTEMS INC (PA)

Account Reference : XXXX I was promised that letter in exchanged for paying the total balance of {$1700.00} that XXXX XXXX had told me was due. I had several conversations with XXXX XXXX last week, Thursday XX/XX/XXXX and Friday XX/XX/XXXX, during which he assured me that once I pay the full balance due he would provide me with a paid in full letter by Tuesday XXXX of XXXX 2015. On Friday XXXX I went to my bank and got a cashier 's check for {$1700.00}. I then when to the XXXX XXXX XXXX XXXX that was next door to my bank and deposited the check to the account that was provided to me by XXXX XXXX. XXXX XXXX asked me to fax a letter authorizing him to fax me the letter of paid in full and I faxed that letter on Monday XX/XX/XXXX. I had made the mistake of telling XXXX XXXX that I was in the process of buying a house and needed the paid in full letter. I explained to XXXX XXXX that my loan Officer and Real Estate Agent were waiting for the letter and my deadline to submit that letter was Tuesday XX/XX/XXXX. XXXX XXXX did not fax me the letter on Tuesday ; instead, he called me on Tuesday trying to extort additional money from me after I have paid the full balance of {$1700.00} that he told me was due. XXXX XXXX called and demanded that I pay an additional {$2100.00} or else he would not provide me the letter of paid in full that I need in order to buy the house. The actions of XXXX XXXX and Security Credit System have caused great financial damages to me and my family to the sum of over {$95000.00}. The way I was singled out by Security Credit System for extortion after I mentioned I was buying a house is a clear violation of the federal Fair Debt Collection Practices Act ( FDCPA ). " The collector can not misrepresent the amount you owe. [ 15 USC 1692e ] 807 ( 2 ) ( a ). The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ) Sc-motion-3. when representatives from Security Credit System called did not identify themselves as a collection agencies they identified themselves as calling from XXXX.
Consumer complaint received 2015-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Results Unlimited, Inc. (VA)

The issue I have with the judgement from XXXX Apartment complex in XXXX VA, is that my brother and I were wrongfullly evicted back XX/XX/XXXX. We had 3 days to find a new place, due to the wrongfull eviction. My brother and I was never notified or served with court documents. In XX/XX/XXXX, my bank account was frozen due to a Lien from this company. I call the number and talk with a collection rep, that advised me of this lien. I was then told I had to fax over a statement about this debt and also sign a release form so they could set up a payment plan. The representative informed that the funds would be available to me after I signed the release and payment plan. The company took my whole check of XXXX dollars, that put me in very bad financial crisis. After they assured me they would n't take the whole amount. Then I receive another judgement just recently that has put a lien on my banking account, stating that they won a judgement in XX/XX/XXXX against me. From my understanding of my rights, and looking at my credit report this item was charge off years ago. So what this company has done is Resubmitted an old debt that has either been paid or charged off. This has put my family in a bad financial crisis.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I AM ATTEMPTING TO GET MORTGAGE ASSISTANCE BUT MY SERVICER, OCWEN, IS NOT ACTING IN A REASONABLE MANNER. I WAS DENIED FOR ASSISTANCE IN XXXX WHEN OCWEN FALSIFIED THE VALUE AND CLAIMED THAT BECAUSE I HAVE EQUITY, I WAS DENIED FOR ASSISTANCE. I PROVIDED COMPARABLE SALES AND A REAL ESTATE AGENT OPINION WHICH SUPPORTED LOWER VALUE. OCWEN DENIED AGAIN BUT INVITED ME TO RE-SUBMIT AND REQUEST AN APPRAISAL. I DID JUST THAT. OCWEN ALTERNATELY ACKNOWLEDGES AND THEN DENIES THAT THEY HAVE RECEIVED MY PACKAGE. OCWEN PREFERS TO PLAY THESE GAMES TO WEAR OUT DISTRESSED HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURES AND FORECLOSURE FEES.
Consumer complaint received 2015-12-03
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY ASSOCIATES has made several calls before XXXX, the last being XXXX The time previous to this last call I had informed them I was in California and what time it was here - XXXX They are calling from XXXX VA. and chose to ignore the time difference.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Addendum to Complaint sent on XXXX XXXX : On XXXX XXXX, 2015 I received a phone call from XXXX XXXX, Bank of America, ( contact # XXXX XXXX XXXX XXXX ). She asked want I wanted to resolve my Complaint. I said I wanted to have my original application reviewed fairly. XXXX said since the review was " closed '' I would have to reapply. She persisted in trying to insisting this was a fact. I referenced all the communication I have received from Bank of America, including letters from XXXX XXXX, CRM, on XXXX XXXX, XXXX, and XXXX, to prove the case was stilled opened. 
I asked that she put this in writing, she refused. I then reference letters I had received on behalf of XXXX XXXX, XXXX XXXX from XXXX XXXX and on XXXX XXXX from XXXX XXXX, both were written by XXXX Customer Care regarding the modification application. 
Today, I received a letter from XXXX XXXX, XXXX Customer Care, which is clear shows the application is still opened it states I " should work with XXXX XXXX ... XXXX XXXX will be your primary contact throughout the workout the review process. I encourage you to work closely with her ad submit any requested information right away to keep your loan 's review moving forward ''. 
Also, previous letters state that we are further behind in our mortgage payments. 
It is apparent that BofA is continuing to use unethical mortgage practices, in evaluating this modification by false statements, misrepresenting facts, deceptive and misleading statement.
Consumer complaint received 2015-12-03
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TX)

In XXXX, I began the mortgage application process with Quicken Loans.  The prequalification process went smoothly. It took some time to secure a contract that put us under a time constraint.  Before we committed to the contract, we wanted to be sure it was feasible to close.  I submitted a written request to expedite which was approved.  Not only did they assure me it could be done, they assured my agent, the listing agent and the seller's lender it could be done.  The city where I was purchasing had a natural disaster.  From experience, I knew that re-inspection requirements could impede the appraisal process.  I brought up my concerns but I was assured there would not be a problem.  Ultimately, it did create a problem. I received an email from the agents indicating the appraisal had been assigned and it looked like we wouldn't be able to close.   The appraiser could not even inspect the property until the day before the scheduled closing.  I immediately tried to address the issue.  A company as large as Quicken should have the ability to find a way to honor their commitment.    I requested escalation but ended up being referred back to the processor.  I did not get my concerns responded to by another party until after the transaction was no longer viable.  There were also some other concerns that I had with the process:
1) I was not able to view my GFE before paying a XXXX commitment fee
2) Reluctantly, I did pay it.  However, I was not able to review my GFE before being asked to sign documents.  The GFE was towards the back of the package.  I would not sign until I was able to view it.  When I did I found that I was paying points for the rate that I locked.
3) When I locked my rate, I was not told the cost of that rate.  When I saw it on the GFE, I complained and my concerns were given to the originator's manager and addressed.
4) There is not a sufficient complaint resolution process.  Each time I tried to escalate my concerns about the appraisal, I was referred back to my processor.  The origination group could not provide assistance in that area.
Consumer complaint received 2015-12-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates had placed this negative items on my credit reports without notifying me. I filed an dispute with Portfolio Recovery Associates on XX/XX/2014 and they never responded to my dispute. Portfolio Recovery Associates violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this item deleted off the CRA within 15 days from the date of the dispute letter.
Consumer complaint received 2015-11-02
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Fairway Independent Mortgage Corporation (PA)

While searching for a lender to apply for a new purchase VA loan, I was promised by XXXX XXXX at Fairway Independent Mortgage Company in XXXX, DE that she could match any interest rate from a competitor. Because of this promise, I chose to apply with her and continue searching for better rates that she could match. After finding a rate that was significantly better than the rate at Fairway, I presented it to XXXX. She came back to me with an offer of a rate that was between Fairway 's rate and the rate I presented her. When I asked her why she was not matching the rate as promised, she said they would lose money on the transaction. I felt that I was promised something that they could not deliver in order to capture my business.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

this started about a month ago, when i first paid my credit card for {$100.00} for unknown reasons the payment was declined and i have to file a dispute with my bank before the i can get my money .again on the XXXX i made a payment of {$100.00} and i was notified by them that the payment return again i went to my bank and filed a dispute and until now i havent gotten the money on my account yet my due date is the XXXX th of the month and for now we are not on the XXXX of the month i just do n't know what is this.it look like is a scam credit card, also my credit report is not accurate i never filed a bankruptcy but i do n't know why credit report is showing like a filed one i want my report to be accurate.
Consumer complaint received 2015-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (OH)

There is a debt on my XXXX credit file which indicates IC System as debt collected and also states CLOSED - PAID COLLECTION. I 'm not positive what that means but I have no debt and I never paid any collection.
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

i attempted to obtain a free annual credit report from the XXXX reporting services via the website : XXXX. No problem with XXXX. XXXX required a written application be mailed to them and Transunion steered me to a new page or website where I was not allowed to proceed without subscribing to a service which required me to pay an initial fee of {$1.00} for the report ( {$0.00} for my " score '' ) and further agreeing to and paying a recurring charge of approximately {$18.00}. It is my belief that I am entitled under the law to a FREE credit report. why is TransUnion being permitted to violate the law with this deceptive practice? Please remedy this violation and require them to send me a free credit report as soon as possible.
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Atlanticus Services Corporation (NC)

I was contacted by a company on XX/XX/year> stating that I owe {$1600.00} to XXXX XXXX XXXX. The first representative was very rude and threatened to contact my job and take me to court. I hung up and called back to speak with a different representative who apologized. They said they would send me a copy of the agreement and debt validation. On XX/XX/year>, I received a bill from XXXX XXXX, but what she sent isn't accurate. The email will also be attach that shows no explanation was given just the statement I still haven't received a copy of the purchase agreement. I would appreciate assistance in getting this issue resolved. Thank you.
Consumer complaint received 2015-03-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (ME)

Have XXXX on my account from this company never have had any info on what is for on my trans union report the number is XXXX and the second is XXXX do n't know what they are for we have had XXXX XXXX for years and the other says insurance and we have had XXXX for years so no clue and never been contacted about these or had any info
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Balance transfer fee — 
Company: WELLS FARGO & COMPANY (OR)

Hello, During XXXX of 2015, I received a low interest rate offer from my credit card company, Wells Fargo, in my monthly bill statement promoting " Superchecks '' that were linked to my credit card account. The offer is for 2.9 % APR for 12 months. The offer states that the superchecks may be used for " balance transfers '' or as you would use a personal check for " purchases. '' The offer clearly distinguishes balance transfers from purchases, and only states that there will be a balance transfer fee. 
After using XXXX of the superchecks for a purchase, Wells Fargo charged me a " balance transfer fee '' of {$110.00}. I called Wells Fargo credit card center and the representative recommended I go to my local Wells Fargo branch to get the issue resolved, which I did on XXXX XXXX, 2015. Branch Manager, XXXX XXXX explained that since it was a credit card issue there was nothing she could do. She was also unable to show me in the offer where purchases are also subject to balance transfer fees. 
On XXXX XXXX 's advice, I contacted the credit card center and spoke with a manager. I spoke with XXXX XXXX, who was also unable to show me where the offer states that purchases are subject to balance transfer fees. He explained to me that there was nothing he could do to remove the fee from my account. 
Wells Fargo Bank failed to inform me that a " purchase '' is the same as a " balance transfer. '' The offer is misleading.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. Once I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the A check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payment for the XXXX XXXXXXXX account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS A-1 & A-2 Attached. This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While XXXX ( SEE EXHIBITS A-1, A-2, & B-1 Attached ) and XXXX ( SEE EXHIBITS A-1 & B-1 ) have both CORRECTLY reported this account on my consumer report, EXPERIAN has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT A-1, A-2, & B Attached ). XXXX and XXXX have clearly verified the accuracy of my credit report while EXPERIAN only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from EXPERIAN.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (SC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2015-05-18
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, I applied for a loan with CitiFinancial. After a couple of months, I discovered that the loan was a mortgage securing loan, but my Uncle ( XXXX XXXX ) is also on the Deed, did not sign any application or paper work for the loan. The State of Maryland requires ALL persons on the deed, to sign any and all mortgage loans and paperwork. CitiFinancial placed an illegal Lien on my property, which cause tremendous stress and financial strain on the family, because we were unable to sell the property. On XX/XX/XXXX, CitiFinancial agreed to remove the Lien and forgive the balance after 12 painful years of pure suffering. After talking with several different Attorney 's in Maryland, I learned that I am entitled to compensation for violation of Maryland State Laws and Slander of Title. I am unable to go to court, because of my Military Obligations, and unaware if I should provide this information to the Department of Justice, Civil dispute department.