davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

Equifax originally reported a judgment in XXXX, the statute for reporting expired in XXXX. The original creditor filed a replevin to extend the statue of limitation for collection. The XXXX XXXX Courthouse information is automated and it is stored in there database. Equifax apparently has a system which automatically retrieves this data ; however, this date was for collection only and the information itself is a replication of information reported between XXXX and XXXX ( the statute for reporting has expired ). I notified Equifax and resolve no resolution. I filed a complaint with the XXXX ( XXXX ), still they refused to comply. I requested my attorney to send a kind letter requesting them to comply prior to my need to file a formal law suit in which I will be seeking damages as a result of being turned down for credit. I spoke with XXXX in the Consumer Affairs Department at Equifax on XXXX XXXX. He assured the matter would be taken care of by Tuesday XXXX XXXX. I followed up today, with a person who alleged that his name was XXXX. XXXX stated that there was no supervisor beyond him to speak with and that his department did not have the ability to remove the entry. He went on to say that XXXX had initiated a dispute ( which I informed XXXX not to do as this had been done with no results ). When I asked who I should I contact with authority. He lied and stated that no one else had authority. After I called him on his contradicting information. He stated he could not tell me who had authority. This is insane. If you have had 4 other complaints, I would like to get in contact with those individuals and initiate a Class-Action lawsuit. I hate to have to do that ; however, the company has hired employees who think they can tell consumers anything and that we will go away. I will not go away. Please investigate this company and assist with resolution if at all possible. Thank you kindly. Email : XXXX
Consumer complaint received 2016-09-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2016 XXXX unauthorized transactions were posted to my Wells Fargo checking account in the amount of {$450.00}. XXXX was a credit and the XXXX a debit transaction. The next day, XXXX those transactions vanished from my checking account history. In an effort to find out why the transactions occurred in the first place and why they later disappeared, I contacted my bank by phone initially and later went to my local branch in XXXX, GA. To my surprise, I did n't get any answers from the XXXX employees I spoke with on the phone or the XXXX employees at the local branch. They all appeared to be dumbfounded after researching my inquiry and finding no record of those transactions anywhere in the bank 's records or my account. That is until I provided my account activity records that I printed the day this happen. It was at this point the branch manager stated, " An employee must have made a mistake and reversed the transaction which removed it from my account records. '' If that is the case, where is the audit trail/source records on the bank side? The manager could not provide an explanation to this question. On the same day similar transactions posted to my mom 's savings account and the next day they vanished. Unfortunate, I ca n't prove it, because I did n't print her account activities. This is scary, an employee has the ability to delete/reverse transactions from a customers ' account and the banks own history. This puts me and every other customers ' account at risk of all sorts of misdeeds. Nobody 's account is safe! I have serious concerns of this bank 's internal and ethnical practices. Attached is page 1 of my checking account activity records that I printed which reflects the {$450.00} transactions. Also, the account activity of my checking account provided by my branch.
Consumer complaint received 2016-04-26
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I received a preapproval from XXXX XXXX. The letter stated that due to my creditworthiness I could receive a personal loan at 5.99 %. With the letter I also received an " Invitation Code. '' So, naively I went on line because I was preapproved! Well, no one receives a 5.99 % rate or a rate close to that amount. I was offered a rate of 12.75 %! I have excellent credit so I was confused as I was preapproved. I called and spoke with XXXX VERY RUDE customer service employees and was told that they can change the rules at any time! So now my credit score will drop due to the inquiry and of course I am not interested in a loan at 12.75 %. This letter is extremely deceptive and is nothing but a scam.
Consumer complaint received 2017-02-05
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

hello i am in the process of registering a complaint again, about a matter that has been either overlooked or has not been addressed to the right people. to get the correct personal advice or action taken about this complaint.i know now that it is not fair to me and is a violation of my legal rights, or a trick just too get money out of a XXXX person that had too stop working because of a accidental household injury.. it is interfering with my lifestyle and i want the complaint registered until i get some information or feedback about it.,,, thank you XXXX, XXXX,
Consumer complaint received 2016-09-17
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Due to incorrect information provided by XXXX and statements being sent to an incorrect address this account was incorrectly defaulted. I continued to set up a payment arrangement with the citizens bank which is the owner of the loan, XX/XX/XXXX i sent in several payments and they were returned to me in the mail, I pursued to call citizens bank on XX/XX/XXXX to see why the payments were returned and was advised that the loan was with the " bankruptcy department '' i advised that I have never filed bankruptcy and immediately disputed this directly with citizens bank. on XX/XX/XXXX I contacted the credit bureaus and disputed the reporting to which citizens bank and XXXX confirmed that every thing was correct. i called back the company on XX/XX/XXXX and spoke to a representative XXXX, the rep advised that the account is still in bankruptcy. I advised that i need to have my account rectified as i am incurring several negative issues due to this. I asked the rep to have a letter sent to me confirming that the account has been removed. XXXX went on to advise me that she can not do this and all letters of such goes through the legal department and that takes XXXX months to complete. she went on to transfer me to the bankruptcy department that denied providing me any information on my account in regards to when the account was placed in bankruptcy or why it was placed there, although i was fully verified. i was then finally transferred to the legal department to a rep named XXXX. After a detailed explanation XXXX advised me that my account was incorrectly placed in bankruptcy on XX/XX/XXXX. I forwarded a letter on XX/XX/XXXX with tracking number XXXX detaling all my various disputes and inquiries that the company incorrectly provided information to the credit bureaus to and requested that as a result of several violation of the fair credit reporting act, this account be removed from all credit reporting. on XX/XX/XXXX I received a call from XXXX XXXX XXXX who had no information on the account and advised me that the company had never received a letter although the tracking showed it was received and signed for by their agent. she stayed several weeks reviewing this and on XX/XX/XXXX seven months after I initially disputed the incorrect reporting of my account as bankruptcy i was sent a letter stating that the account was placed incorrectly in in bankruptcy on XX/XX/XXXX and removed from bankruptcy on XX/XX/XXXX. during that time I have been denied a mortgage by XXXX XXXX, denied credit cards, and had credit cards approved with very high interest rates. I would like to have this account completely removed from my reporting due to violation of my rights on several accounts.
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (GA)

My Issue Is with This Collection Agency Southwest Credit System. The Company Keeps Putting the Same Fraud Account on My Credit Reports thanking I wo n't Catch it when they Sneak and try to put the Account on my Credit reports. The Company Has known that 's it 's a Fraud Account for A While Known. The Original Company XXXX Did n't Hold Me Responsible to Pay off A Fraud Account that Was n't Open by Me, But This Collection Agency Want to Hold Me Responsible Since They Bought This Fraud Account, And Keep harassing me to pay for this Fraud Account. I 'm Not Responsible for.
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I received a piece of rental property in my divorce settlement. However, the mortgage still had my ex-wife 's name on it which I needed to remove. I applied with Bank of America to assume the loan myself in an effort to get my ex-wife 's name removed. Bank of America denied my loan assumption based on the following factors : ( 1 ) Serious delinquencyand public record or collection filed ... this is true ... I did have a home foreclosed on back in XX/XX/XXXX ... I was under impression based on what I have read that major credit events like this come off your record for credit consideration after 7 years ( 2 ) proportion of credit balances to credit limits was too high ... at time of application, and now, I was using ~14 % of credit available to me ( 3 ) proportion of loan balances to loan amount too high ... I have never missed a payment on any current loans, including the Bank of America loan ... nots sure how I can do more than pay as I am obligated to pay, which I have done ( 4 ) too many inquiries into my credit ... no inquiries have been for negative reasons ... only to obtain information for companies I was considering potential of borrowing from, including the application to assume this loan. My credit score on XXXX report was XXXX and on the other than Bank of America pulled it was XXXX. I make $ XXXX plus per year in earnings and have no debt other the mortgage payment for my personal residence, the mortgage payment for the rental home loan I was trying to assume, a small unsecured loan with XXXX and the revolving credit I have out there ... in total less than {$2500.00} per month and I have the rental home leased through XX/XX/XXXX at {$550.00} per month. I do n't believe I received a fair review or outcome on the assumption application. I believe Bank of America is trying to bully me into applying for a new mortgage which I do not want to do. I do not believe Bank of America acted in good faith to review all information available to them to make the decision as to whether I was worthy and able to assume the loan.. I have worked extremely hard to get my credit back in good condition after the foreclosure, which was a result of my divorce, and know that I am more than worthy to assume this loan.
Consumer complaint received 2017-03-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In XX/XX/XXXX, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is one of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the Portfolio Discovery disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

However, I did not receive a response. To give the organization more time to complete their inquiry, I waited 63 days for a response and when I did not receive one, I sent another letter on XX/XX/XXXX. To this date, I have not received a response. This company has failed to provide any documentation that shows I owned this account. It is obvious that they do not have the proof to do so. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (IL)

I have a conventional XXXX mortgage at 5 % 30 yr fixed at XXXX XXXX that is a non-XXXX/non-XXXX loan. I have a XXXX mtg. with Ocwen loans at 12.7 % with a 30 yr amortization. The total balance of both loans is {$210000.00} and the home is worth approx. {$160000.00}. I have had both of these loans since XX/XX/XXXX and have not been able to refinance. I want to keep my house. 
I contacted both lenders and neither can refinance. XXXX XXXX told me point blank there is nothing they can do with a refinance because I am still underwater, and the same was stated to me by Ocwen. A mortgage broker by the name of XXXX XXXX was on the phone with me when Ocwen told me there was nothing they could do. Ocwen called me back and suggested that I call XXXX to reduce their rate to make up for the 12.7 % Ocwen rate! Ocwen was very firm that " because I was on time, there is nothing we can do for you. '' On a previous call with XXXX, I was also told I was not on a list to be helped because I was making the payment on time. I have been paying on time since XX/XX/XXXX and there is no fix for me. Ocwen strongly implied that I can not get help unless I am late. However, if I go delinquent to get help, credit I have built over a lifetime will suffer as well as any chance for any help that might be available in the future. I am not alone with this problem. Why ca n't lenders refinance on time paying homeowners who stay put in an underwater home to lower rates? I am doing the right thing and making my payments and there is absolutely no refinance option for me simply because I am underwater and do n't have a XXXX or XXXX XXXX loan. I watched closely XX/XX/XXXX when President Obama brought up a refinance option for those of us with non-XXXX/non-XXXX loans. I am in the lost category and am treading to stay put. Is there any refinance option like HARP 2 for conventional mortgages?
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I submitted an original complaint through the CFPB on XXXX 2017 in regards to Experian reporting a public record ref : XXXX. Experian concluded the investigation stating that there was no public record on file and I would receive correspondence in the mail. I have not received results in investigation in the mail or seen a reflection of change of information being reported on my credit report. " According to our records, the disputed public record does not appear on your Experian personal credit report. We have mailed a copy of your current Experian credit report to you for review. Please note that mailed correspondence may take up to 10 days for delivery through the XXXX XXXX system. ''
Consumer complaint received 2017-02-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (NC)

Starting in XXXX of XXXX, I became apprised of my rights under the FCRA regarding a repossession of my BMW. I contacted the bureaus and BMW directly because in XXXX XXXX my car was repossessed. I became XXXX and made payments for as long as I could. Simultaneously I was in danger of losing my home, which eventually happened in the same month. I was told that if I surrendered the vehicle it would be recorded as a " voluntary repossession ''. This was not the case. Further, according to the laws of the State of North Carolina UCC 25, and the State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I assert that because I lost the home, I was never provided with the notices and was also denied an opportunity to cure. The paperwork was not forwarded until months later. Moreover, the FCRA requires that all information regarding this account are accurate and true. One of the bureaus shows the vehicle as a charge off, where I know BMW received a credit on their taxes for the amount they claim in XXXX. The other bureaus show that the account is open, which is inaccurate. The amount of the charge off was reported incorrectly for several years. When I brought this to BMW 's attention and they updated the amount, but not the status of the account. This account has caused me continuous hardship and is being reported incorrectly. Lastly, under Section 1-52.1 of the North Carolina Rules of Civil Procedure , the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards. This debt is no longer even collectible.
Consumer complaint received 2015-08-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MD)

I received a letter from Midland in 2013, I immediately, ( XXXX XXXX 2013, they received it on XXXX XXXX ) sent them a letter requesting validation on the alleged debt. To this date, I have received any response nor validation to this alleged debt. Instead, I received another letter attempting to collect another debt as the account number of the previous alleged debt do n't match. My name does n't even match, i 've sent them another letter requesting validation again for this alleged debt. This is basically the XXXX bogus attempt from them to collect a debt that I do not owe to them. Also, with this contact they are in clear violation of the Fair Debt Collections Practices Act. As i 've never received any response on my previous request for validation, instead I just received another letter attempting to collect. My initial request for validation was timely within the XXXX days timeframe I have to request validation under FDCPA, so ; any further activity to collect on the debt would be a violation of their cease collection bar under FDCPA 809 ( b ). If they are communicating regarding a different collection ( i.e., they consider it to pertain to a different debt ), then that would have required they send another dunning notice within XXXX days after any initial communication. They thus either consider it the same debt, or have violated requirement for a XXXX dunning notice.
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (CO)

Discover closed my account for no valid reason. I paid more than the minimum due to a XXXX balance. They closed my account but not before reducing my credit limit from XXXX to XXXX while I had a {$2500.00} balance in XXXX 2015
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

I filed the dispute with Barclays Bank concerning the charge made by XXXX to my account XXXX XXXX, 2015 for {$14000.00}. The dispute was filled out over the phone by one of their representatives as I was not given the option nor was it available to fill out the form over the Internet. Of everything I said, the company chose to use non-receipt of merchandise is the reason for the dispute. They have completely ignored all the evidence that the merchant presented himself as XXXX XXXX XXXX former XXXX XXXX -- which are both false, plus he lacks any certification by the state of Arizona to treat people with XXXX much less sell them. 
Barclays continues to side with merchant now says that the laser is available for pickup once I paid {$28000.00} - part of the reason that I filed a dispute in the first place was the merchant failed to deliver the merchandise on time twice and made up excuses that were out of his hands to justify failure. Barclays refuses to explain or justify why they have chosen to ignor the majority of my evidence nor why they are not allowing me to go to arbitration as per MasterCard agreement.
Consumer complaint received 2016-09-18
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MD)

I made two payments XX/XX/XXXX to the TJX Rewards Mastercard. The account is closed and I do not use the card, I just want to pay it off. One payment was made on or before the due date of XX/XX/2016. The other payment was made on XX/XX/2016 to pay XX/XX/2016 payments. I paid at that time because I had the money and because if I wait to pay from XX/XX/XXXX 's first paycheck, I run short due to rent. XX/XX/XXXX they started calling me telling me I did not pay XXXX 's payment. I explained to them that I did XX/XX/XXXX. The payment made XX/XX/XXXX was for XX/XX/XXXX. I have had three telephone conversations with them ( heated ). They led me to believe they would credit the payment for XX/XX/XXXX and refunded the late fee for XX/XX/XXXX. However they have still not properly credited the payment and I continue to receive harassing phone calls from their collections department. By refunded the late fee, they have admitted there error as far as I am concerned, but the harassing phone calls continue. I received 3 already today before XXXX ET. I do not answer, but I know it is them because the numbers are unknown. They agreed on the phone to properly credit the payment and the late fee. They have not properly credited the payment. As a result of their refusal to properly credit the payment, I will incur a late fee each month because they are considering me a month behind. I paid for the month they are disputing. I am not going to pay them again.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

i went to go cash a check and it was not authorize and i did not know why the cashier gave me a receipt sayin i had to contact CERTEGY CHECK so i did they and sent a letter Sayin no information on file
Consumer complaint received 2015-08-25
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have asked repeatedly for them to stop calling and take my number off their list. They need all my info including my name to do this. Would not give it to them. Still calling. I pay for my minutes and they refuse to stop. Help ... ... .This is Portfolio recovery.