davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Blakely-Witt and Associates, Inc. (TX)

This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the  XXXX  day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  XXXX  compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

In 2015 I entered into an agreement with XXXX XXXX XXXX. 

They took over payments for my accounts, one being my XXXX card, by XXXX - XXXX XXXX XXXX XXXX. 

Upon XXXX taking over payments, the account was current, never in collections or anything of that sort. 

XXXX did not provide any concessions such as reduced APR, reduced payments, etc. Simply XXXX took over my payment, on my behalf. 

The account was paid in full and on time. 

Once XXXX paid off the account, 6 months later, XXXX put a narrative on my equifax credit report titled " Paid by Financial Management Program '' " Paid Collections '' The " Paid Collections '' should not be there as I was never notified, nor was XXXX  that the account was or would be placed into a " collections '' status. Not to mention, I still received regular statements from XXXX reflecting a current account with payments. 

The portion that states " Paid by financial program '' is accurate, however, the latter is not.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (TX)

Dear Flagship  Credit Acceptance Corporation :  I have been an account holder sin ce 2014  and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I hav e two late p ayments on the above referenced account that date back  to 2014    since that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the las t two  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on   XXXX   XXXX   my last month of   XXXX  no  pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope tha t Flagship Credit Acceptance is willing to work with m e on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Flagship has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.      May Flagsh  ip  please remove all negative remarks off my credit report. In good faith.       Sincerely,
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I got credit alert notifications from XXXX XXXX that there were some changes on my Equifax Credit File. I checked those notifications and noticed there were multiple accounts appearing on my Equifax Credit File as of XX/XX/XXXX that had never appeared before. I immediately called Equifax and talked to them about those accounts not belonging to me and never opening those accounts and that I believed those accounts were fraudulent. I noticed the account were open back in XXXX and just now appeared on credit file. I sent to Equifax a completed FTC ID Theft Affidavit/Report, a cover letter explaining I have been a victim of identity theft, a copy of my drivers license, a copy of my social security card, a copy of the credit report indicating what accounts were fraudulent, and a copy of the FCRA 605B ( 15 U.S.C. 1681c-2 ). Since XX/XX/XXXX I have called at least every other day and have spoken to individuals in the customer service department, fraud department, and supervisors in both departments. I have asked them if they have received the paperwork I sent to them via certified priority mail through USPS and they have said yes every time and that those documents have been scanned and uploaded to the system. I have been told that a dispute has been open for fraud and have sent that dispute and the paperwork I sent them to the creditors and I have to wait 30 days or up to 30 days for it to be resolved, but I have every time specifically explained to them that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) they are to block/delete those accounts that I identified as alleged fraud from my credit file within 4 business days and they always have excuses for not doing so and tell me I have to wait. They have not addressed my issue and I am currently in escrow for a home and this came up and I have begged them to please resolve my issue and help me out and they have refused to and have ignored every attempt I have made and have disregard the current FCRA 605B in place to protect individuals like me who have been victims of identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' I have provided to them everything requested and needed for them to comply with this request to block the items on the FTC ID Theft Report and they have failed to do so now and within the 4 business days.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have several hard inquiries on my credit report that I do not recognize : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX ( yes a second time )
Consumer complaint received 2018-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (AL)

We have been trying to get a reverse mortgage but we do not have enough equity. We requested Ocwen to accept a discounted payoff. At first the request was denied ang on XX/XX/18 I received a letter from Ocwen that they would accept a 90 % of principal balance payoff. Ocwen stated that XXXX XXXX, the trustee, had requested the discounted payoff. When we tried to move forward and asked for the discounted payoff letter from Ocwen, we were informed by Ocwen that because of the status of the loan, it was not eligible for a discounted settlement. The status being that the loan is current.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX. I froze my accounts with XXXX and XXXX. When I attempted with Equifax their system required that I create an account, and so i did. Unfortunately after creating the account I was unable to log in. I called customer service and after much prompting got a ticket # XXXX. Someone was supposed to call me back. Nobody ever did. 
I tried " forgot password '' which was suggested on the XXXX but I never get an email with instructions. 
I tried recreating the profile using the same email address, just to ensure that the profile was, in fact, created, and this confirms that it was created because the message says profile exists. 
I don't want someone at Equifax to freeze my account, i want to be able to use self serve, so that I can unfreeze if needed without relying on a phone call.
Consumer complaint received 2018-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My ex husband cashed a home owners insurance refund after the sale of our marital residence. The check was made out to my ex husband and to myself. He was allowed to sign and cash the check without my authorization. I have obtained a copy of the cashed check from my homeowners insurance and I want the banking institution to look into why he was allowed to cash this check without my signature. I am attaching a copy of the cashed check and I believe it was cashed at Bank of America ( please see bank # 1XXXX ) This is an alarming situation and a situation where funds were stolen from me, by my ex husband. I have email correspondence with my ex husband where he told me my name wasn't on this check. The financial institution that cash this for him should be looked into and the person responsible should receive disciplinary action up to including termination.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc. (TX)

After numerous attempts to get the proof that Eastern and their client are relying on to prove up their claim I owe them money, all I get is that their clients unsigned invoice is validation of the debt and their say so is proof they noticed me properly. In what part of the Consumer Protection Laws does it state that " saying so '' makes it so? I demand proof of their claims. I never got noticed as required by law. I never agreed or obligated to pay any such charges they are billing to me. According to their invoice they did some thing on three different days, that seems more than ample opportunity to have gotten some type of signature on a contract to pay. But, it still does not prove I was sent proper notice, which leaves the issue of an illegal collection posting to my credit reports.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (VA)

Brand new XXXX XXXX XXXX XXXX XXXX XXXX XXXX As soon as I activate my card I am asked to call customer service because fraud has been detected. 

Called a total of three times and was not transferred to a supervisor. 

I gave them the following the verify but they said they just needed to send a letter with a special code to call with. I asked if they needed to verify my address and they said it was on file so, very ironic considering the situation. 

Verification Items Provided : XXXX card number open for 1.5 years. Couldnt verify. 
XXXX XXXX card number open for 8 years. Couldnt verify. 
Current cell number. Couldnt verify. 
Old cell number ( still active and has been for 15 years ). Couldnt verify. 
Also sent them my most recent XXXX  during the application process with matching address and they still couldnt verify. 

Waiting for the letter to verify now and a possible call from management since I instructed them Id be filing a formal complaint. I will likely just close the card once Im able to verify since it has been such a bad experience.
Consumer complaint received 2018-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

On XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. On XX/XX/XXXX a notice from the court was sent out that all debts in this plan were satisfied and are no longer collectible. This account is still showing up as an active judgement on my court record and a bad debt on my credit report even though it is paid in full. I have attempted to contact XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX in XXXX, WI as they are the lawyers who entered the judgement against me. However, I have only gotten a voicemail. I did leave a message in regards to my account but never heard back.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (CO)

I went to pay my bill at the office of this company the day that it was due but the office was closed so I was unable to make the payment. I paid it the next day at their office because their website was unavailable to me to use and they reported m e 30 days late when it was only 1 day late   and it was only because their office was closed.
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a Balance of {$530.00} on my Bank of America credit card but I am not allowed to make a payment online at www.bankofamerica.com, the Bank of America mobile app or over the phone because I dont have a personal or business Bank of America checking account. 

Im being told by Bank of America customer service representatives that they will need a checking account and routing number from me in order to process a payment because they dont except debit cards, which is a plastic payment card that can be used instead of cash when paying bills or making purchases. It is similar to a credit card, but unlike a credit card, the money comes directly from the user 's bank account when performing a transaction. 

If I am using a Bank issue debit card, whether it be from Bank of America, XXXX bank or XXXX Bank, and the money will come directly out of my bank account, why does Bank of America or any other credit card provider need my checking account and routing number? This makes absolutely no sense at all. I dont want to provide Bank of America or any other bank with my personal information from another bank and I shouldnt be required to do so. This is a stupid policy that the Consumer Financial Protection Bureau needs to force banks to change.
Consumer complaint received 2018-07-11
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc. (NY)

I am the XXXX of a mid-sized XXXX XXXX in XXXX NY. On XX/XX/18 was notified by a co-worker that XXXX XXXX from XXXX XXXX XXXX needed me to call him about a collection and that it was very important that I call him back. 

I returned the call to Delta and was asked numerous personal questions - which I refused to answer for fear of identity theft - and was then told that it was important that I cooperate because the issue was time sensitive and that it was going to be adjudicated. 

I was finally placed with a supervisor, XXXX XXXX XXXX, who stated that this had to do with an educational loan. I graduated 25 years ago and we finally agreed that the debt was not mine. She stated my name was common - yet knowing that they felt comfortable calling my place of employment, causing personal embarrassment - rather than seeking to contact me via mail, or using my personal number. 

In looking at this agency, ( EIN XXXX ) they have a long history of abusive practices.
Consumer complaint received 2018-09-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A. (AZ)

Over the last 21 months, I have on time payments to XXXX XXXX XXXX. I entered a contract in XX/XX/2017 I signed a debt consolidation agreement to resolve credit card debt. My case was given to XXXX XXXX XXXX XXXX. I have paid over $ 8k and XXXX debt has been negotiated. Theyve removed approx {$4500.00} in fees unusable for my debt negotiation. Nowhere in a payment schedule was this disclosed to me. Leaving less than $ 4k, Im being sued by creditors with the threat of additional payroll deductions
Consumer complaint received 2018-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert J. Colclough, III (MS)

This is a notice and demand of validation of debt and dispute. 
XXXX XXXX XXXX Account # This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. 
Please provide me with the following : 1. A copy of your original contract to account # under which I accrued the alleged debt for {$120.00}.

2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter. 
3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification. 
5. Please also include the date which you communicated with that individual or the date by which the system was access.

6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation. 
7. Please inform me of the date you opened account # 8. Please provide me a record of any payments or other reductions since the last billing statement for account # 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office. 
If you provide the requested documents, I will require at least 30 days to investigate this information you provide. 
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. 
If your office does not respond in 30 days, you have to remove it.
Consumer complaint received 2017-05-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (DC)

I attempted to make my first mortgage payment to  US  Bank before the due date by phone  XXXX   XXXX   XXXX   XXXX .  US  Bank informed me that they would charge me $  XXXX  {$5.00} as a service fee if I wanted to pay by phone. I hung up as I would make the payment next week ( on  XXXX   XXXX  ) once I had internet access and could pay online.     On  XXXX   XXXX ,    2017 I  attempted to set up automatic payments, but was informed that the first payment could not take place until  XXXX  as it was now past  XXXX   XXXX . I set up automatic payments and then undertook the additional process of making a  one  time payment. I noticed that I was going to be charged a {$5.00} convenience fee for paying online. I called  US ba nk to try to identify a no fee way to pay my mortgage, and they informed me that I could open  a US B ank account to avoid the fee if I wanted to. They refused to waive the fee, even as a  one t ime courtesy.     I suggested that they  may be  in violation o f Dodd Frank, as this fee was never disclosed to me in the mortgage signing process. They assured me th at this is how they treat all of their customers.     I lost {$5.00} because of this deceptive practice.
Consumer complaint received 2018-09-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I had a workers comp visited ( XX/XX/XXXX ) that had to be approved by the adjuster before I could even go to therapy. XXXX  never contacted me until I moved two years later. ( XX/XX/XXXX) I asked them to contact XXXX & to please stop calling me. They were interfering with my job. Well they kept calling and telling me this is my bill & they now call from multiple numbers, multiple times a day. They dont even leave voicemails anymore. I am tired. I cant answer my phone because I maybe told about a bill that isnt mines its very stressful. I have to block all the numbers they call from so my phone isnt ringing all day & my battery doesnt die.
Consumer complaint received 2018-09-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

My mortgage accoun was approved for Streamline Modification on XX/XX/XXXX. Yesterday I received my XXXX payment back and OCWEN 's portal is now saying modification was not approved. My monthly payment {$700.00} was enrolled for Monthly Automatic Draft on the XXXX of every month and has been in effect since XX/XX/XXXX. 
Ocwen has been auto drafting my monthly payments. Yesterday I received XXXX payment via check dated XX/XX/XXXX. My account on XX/XX/XXXX was showing next payment due XX/XX/XXXX. Today my account is showing next payment due date as XX/XX/XXXX with {$350.00} due but the monthly automatic draft is still in effect for XX/XX/XXXX. My principal balance is incorrectly showing as {$180000.00} when debt was discharged in bankruptcy. OCWEN reported to the government in XXXX form XXXX a Cancellation of Debt in the amount of {$110000.00} and in XXXX form XXXX Mortgage Interest Statement reported my mortgage principal as of XX/XX/XXXX {$65000.00}. I also pulled my credit report from XXXX  and XXXX and my mortgage which I've had since XX/XX/XXXX is not listed or being reported to the credit bureaus.