davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (DC)

In XXXX 2016 I disputed a medical debt reporting as Creditor Claims of XXXX in the amount of {$840.00} on my Equifax credit report for XXXX reasons. First it is a medical debt ; second the collections company is reporting an incorrect balance as an outstanding balance, which is {$200.00} more than the original outstanding balance. I am questioning Equifax 's " investigation '' into my direct dispute with Equifax regarding this incorrect balance that is currently reporting on my credit report. It appears that Equifax did not conduct an independent investigation into my dispute. I have attached an invoice from my former dentist 's office for your review.
Consumer complaint received 2015-06-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Creditor's Collection Service, Inc. (VA)

Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt.
Consumer complaint received 2015-05-31
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (MA)

US Bank XXXX XXXX Visa Card 's marketed a number of benefits when you pay the annual fee to have the card. The primary XXXX being a free reward night whenever you redeem points for XXXX or more nights. They are removing this feature today, with short notice. They are n't offering any compensation, nor extending the benefit to the renewal date. Forcing me to use all my accumulated benefits prematurely or risk losing 25 % -50 % of their value.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I was checking my credit score on XXXX XXXX this norning and saw there was XXXX open account and about feel over. This was with america servicing company which was a nightmare in its self. long story short we filed bankrupsty on XX/XX/XXXX and reaffirm to keep the home. 
I tried to refi to lower interest rate and was told numerous we did not qualify, finallly in XXXX XXXX our house was auctioned off .and sold We live in a rv and lost everything. All I would like is to have this corrected how can I still owe on a home that is already sold nearly 6 yrs ago. please help me.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

our XXXX, XXXX, and XXXX XXXX and our XXXX XXXX payments to Ditech servicing have cleared our bank. Ditech claims to not have received them. The payments were made electronically through our bank 's bill pay. XXXX XXXX, i first notified Ditech of XXXX and XXXX missing payments. despite repeated communiques, I have received nothing from Ditech regarding missing payments. I charge them with theft.
Consumer complaint received 2016-01-26
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (NE)

I have an outstanding debt with XXXX. I have been making payment arrangements and making payments every pay day, missing one payment at XXXX. It is no longer being attempted for collections in the store but rather from somewhere else. This company calls me 3 times a day, every day, even after I have talked to them and they have verified that I have a promise to pay for the last payment, due on XXXX XXXX. I have told them that they are harassing me and they need to stop calling repeatedly, and they continue to call.
Consumer complaint received 2015-05-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc. (CA)

2012, in Washington State, I visited the Emergency Room due to XXXX. I had some minor injuries. I was told that the government has a program to cover my visit due to the cause of incident. I never received a bill or was informed about the current bill I have had.
Consumer complaint received 2015-06-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (IA)

I opened a mobile home mortgage with 21st mortgage. I make more the minimum payment every month but the overage is held in suspense instead of applying it to the Principal of my loan. I have to call in every month to have them apply the overage to the principal amount. Any overages should automatically be applied directly to my principal. 21st Mortgage suggested I mail in a payment instead of paying online and include a note to apply it to principal. Mailing a payment is less reliable and costs postage as well as time. The online payment is reliable and free. I also have not received a statement to-date and believe I should be receiving these monthly with a break down of my principal, interest, escrow and etc.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have had numerous issues with Select Portfolio Servicing for years. They constantly take my overages that I send in with my payment and apply it elsewhere except the " Unapplied funds account '' which is where I want it to go. 2x a year I have to call them constantly and correct them. Sometimes they do it and most time they put it to other charges and fees WITH ABSOLUTELY NO DISCLOSURE TO ME AT ALL. I call them, they say they will take care of it by a said date. The date comes, and nothing is done. I ask for a supervisor and NO SUPERVISIOR IS AVAILABLE AT ALL EVER. They always want to call me back within 48 hrs. Sometimes they do and sometimes they do not, when they do not I have to start the process all over again with another supposed 48 hours. I recently talked to a XXXX ( supervisor ) on XXXX/XXXX/XXXX and she assured me it would be taken care of and she would call me back to confirm. Now it is XXXX/XXXX/XXXX and still nothing, I have received a few mtg statements since and nothing has been adjusted. This is my funds to be distributed and they distribute how they want with ABSOLUTELY NO DISCLOSURE OF FUNDS AT ALL!!! This is a clear violation of consumer mortgage laws. When I do talk to them, some say " We have a hiearchy to which we put your funds ... ..? " and some say they attend to my requests and they hang up the phone and never pursue my requests to where I have to constantly call them again and again. I have had other issues with this company a few years back asking them to confirm my previous mortgage servicing sales because I was concerned that the 2 prior servicers where sued for fraudulent mortgage practices by the US Government. Same thing back then .... no response and no answers .... and I send them registered letters back then. ... ... It is ridiculous. When it is the XXXX or XXXX of the month they are calling me for my payment .... which I am completely current on with no late payments, but when I call them with concerns ... it goes directly to the trash. Sometimes they call me back and sometimes they do not and I have to start the whole process over again and again. They also keep me in this collection status because I modified with a previous servicer. They constanty treat me like I am 150 days down in my mortgage when I am completely current every ... ... single ... .. month. I am not in collection status but they constantly refer to me as a " problem '' which is very discriminatory. Just because I am XXXX does not mean that they should treat me differently. 

Please help with this ridiculous racist, no disclosure company. 

Sincerely XXXX XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

Loan is seriously overdue and approaching foreclosure. I think this was predatory lending and loan has been sold to XXXX companies. I have repeated ask for sale in lue, short sale, and other options because I have problems paying mortgage since I moved away during a military move and I have recently divorced. The Mortgage also has PMI insurance. The company has stated that they could not attempt to modify the loan before because I needed to show a good payment history. I have not been able to maintain a good payment history and that is a part of the problem. I am currently XXXX to XXXX as a XXXX and really need help keeping this loan our of foreclosure.
Consumer complaint received 2015-06-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Dream Center Education Holdings (GA)

XXXX XXXX XXXX ( XXXX, Ga ) is a for -profit school that is holding my transcripts hostage for what they claim I owe {$3900.00}! I attended this university in good faith for XXXX years until suddenly I " maxed out '' my financial aid. Now, it 's kinda odd that this would happen when I 'm XXXX credits into my XXXX credit degree program, but I 'm not the only one this seems to happen to. This school is STILL trying to make a profit off of me even though I could not pay out of pocket to continue my education with them. They are now preventing me from moving forward with my education and are hindering my quality of life!
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

my loan is serviced by Ocwen. I have made over XXXX online payments that have been rejected as Ocwen tells me it is a bad routing number and paid late fees to them.The routing number I submit is XXXX which is the correct routing number for my state California. Ocwen submits this number and tells me it was rejected and previously I used the routing number XXXX which is a number I have never used and never submitted. As a result Ocwen will not take any uncertified payment from me for six months. Their website software must be rigged to collect fees. I am an accountant and rarely make mistakes. Ocwen is corrupt. Ocwen will cash a personal check with this routing number with no problem, but states it is not good for online payments and they blame the bank. They refuse to refund my money on my " late fees '' that were not late. The website software must be corrupt as they process epayments with routing numbers I never supplied.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (FL)

I emailed and mailed the following to XXXX XXXX, CEO of Amex on XXXX/XXXX/XXXX : Re : American Express Acct No. Ending in XXXX & Amex Corp Card Ending in XXXX Dear XXXX, As an America Express member since XXXX and a strong advocate of your company 's services, I am reaching out to you for assistance. I became unemployed in XXXX of XXXX. I immediately notified your company on account number ending in XXXX that I wanted to be put on a payment plan. I was told I did n't qualify, but that I could continue making payments until the balance was paid off. I made payments every two weeks either on line or by phone. Each time I made a payment by phone and spoke with your representatives, I told them about my unemployment status, and not being put on a payment plan - I received the same answer which was to continue making payments until there was a XXXX balance. 

Although my account was suspended, I continued making payments which included late fees, annual membership rewards fee, and the annual membership fee. In XXXX, I could no longer make a payment on line because the status of my account was canceled. I immediately called and was told that because my account was delinquent for so long, your process was to cancel the account. I explained several times that this information had never been provided to me, and the representative told me that I can apply for reinstatement if I agreed to pay {$25.00}. I grudgingly agreed to the fee and a week later I received a letter saying I was n't eligible for reinstatement. I again called and spoke to a manager who explained I can apply for reinstatement once the balance is paid in full. This was done on XXXX XXXX, XXXX. 

What I am requesting is for the above reference account to be reinstated, along with my reward points that I 've paid for throughout the almost 30 years that I 've been a member. I 've been employed since XXXX and I am capable of making timely payments. 

Your records will also indicate there was a delinquency on Amex Corp card ending in XXXX. This delinquency was a result of my prior employer not approving the expenses in a timely manner. I 've enclosed their letter for your review which shows all charges, and late and cancellation fees were paid in full by XXXX. 

I was contacted my XXXX XXXX from Amex on XXXX/XXXX/XXXX who told me my account would not be reinstated and to read the terms and conditions. I then told him to give me a full refund of the annual reward program fees ( approx. {$45.00} for 28 years ) and was told I was not eligible for a refund. I asked several times to speak to his manager or the CEO and was told repeatedly he had the final say and my situation had been reviewed with the CEO and he approved the decision. He then hung up on me - the call was recorded and this can be verified. Ironically enough I am being solicited for the blue, optima and corporate Amex cards on a weekly basis.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We sent in a Loan Modification application on XXXX/XXXX/2015 to the lender, Bank of America. at that time, they had a sale date scheduled. we requested a postponement to allow a review and it was pushed out to XXXX/XXXX/15. we waiting for over XXXX weeks to get an update, calling weekly, only to be dropped into the voicemail of a XXXX XXXX who was the assigned SPOC. he never returned our called. we sent in updated documents on XXXX/XXXX/15 along with a Notice of Error, QWR, and Demand for Response - XXXX Days. As a result, the sale date for XXXX/XXXX/15 was canceled. we continued to call for an update and were told on XXXX and XXXX by different agents that the file was in review and no docs were needed and there was no sale date set. We received a letter from the Counsel for BOA on XXXX/XXXX/15 that there was a new sale date set for XXXX/XXXX/15. we sent another Notice of Error citing that BOA told us the file was complete and in review so no new sale date should have been set without explanation or cause. on XXXX/XXXX/15, we spoke to XXXX XXXX who stated that the file was incomplete since XXXX/XXXX/15 and that he called XXXX times. the number he called was out of service, which he acknowledged. he knew we were the counsel for the borrower and I asked if he had our number. he said he did but that " we do n't have to call you if we do n't want to ''. we were floored by this attitude and lack of consideration. he also said the file was closed on XXXX/XXXX/15, XXXX day after we were told the file was complete and in XXXX review. as of today, we have sent in all of the requested documents BOA claims were requested, they were faxed and email on XXXX and XXXX for good measure. this is a gross mismanagement of the review and Loan Mod process and we insist that the sale be postponed and/or canceled to allow for a proper review.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (PA)

Admittedly i am behind but the amount of calls while I am at work is absurd. 

34 CALLS IN 9 DAYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MA)

When I got my CitiBank card I tried to add it to XXXX XXXX and then my account got locked. When I called customer service to resolve this issue, they asked me for a phone number they can use to send a verification code. I then gave them two viable phone numbers to use, yet they still failed to allow me to prove my identity, requiring the mailing of a letter for 5-7 days. The use of offshore cheap labor contributes to poor quality customer service from people who have bad quality microphones and do not speak English well.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have multiple promo rate balances, at different rates and expiring at different times. The last XXXX statements, beginning with my XXXX statement, Bank of America stopped reporting the balance owed under each promo rate plan. I called customer service after the XXXX statement and was told it was probably just a glitch, as they had just switched over their system. Today, I chatted them online, and they told me their new policy is that they " no longer include the balances for the promotional offers on our statements. '' I informed them I believed that was illegal, and I would contact CFPB.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (WI)

Last XXXX 2015, I was refinancing my home but because my credit file was freeze with Equifax and the process to remove my security was not as smooth as it should be. I lost the opportunity of a great offer. I tried to unfreeze my credit to the website but although i received an automatic message that it was unfreeze it was n't. On XXXX, I sent a letter with all the information required to unfreeze my credit and I received confirmation letter dated XXXX XXXX, 2015 that reads " the security freeze was permanently removed from your Equifax Credit file ''. Last week, I requested an educational loan, as a cosigner an Educational true XXXX XXXX Educational Financial Services. To my surprise, I received a letter from XXXX XXXX stating that my credit report was unverifiable. When I called them I was told that my credit has a freeze. I tried to contact Equifax but it impossible to talk to a Human Being or get past all the different telephones numbers and electronic phone prompts. My son needs this loan to paid for his tuition on his last college semester ( He is a XXXX on XXXX ). 
I fell hostage of Equifax. It 's my credit, I followed all their requirements to unfreeze it, I have written confirmation, and still I 'm not able to use my credit when I need it.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK and other accounts. Equifax removed the information once I supplied them with my police report and other pertinent documentation, however they re- inserted the fraudulent accounts back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the accounts remain on my credit. Once again the fraudulent accounts were removed and re-inserted with out notice!!! The accounts were not MANUFACTORED BY ME!! 
The following accounts were re- inserted to my credit and I would like for them to be re- deleted!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lien XXXX Lien XXXX
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

Legally I do not owe. I was not evicted. I have never been evicted. I do not have to pay fees for something that did not happen. Said the Judge. I have court documents stating that I do not owe this. I have a receipt that I paid what was ordered ; paid in full. This is a point of harassment and intimidation. I sent a notice in 2014 to cense and desist. I am XXXX and have been living on a fixed income budget. I would like assisted to resolve. The claim is on my credit reports and is causing damage to my credit profile and good name. I would like to resolve this matter without going to small claims court for damages, but this is also credit issue and fraud. dmp
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

XXXX XXXX to XXXX XXXX I was XXXX to XXXX XXXX with the XXXX XXXX under XXXX XXXX XXXX. During my XXXX a XXXX XXXX XXXX Bank credit card in XXXX, MD was activated in my name, and use without my knowledge, consent or authorization. I submitted a letter to the bank and a police report. The bank removed the information from my credit report. At a later date the credit card companies reinserted previously deleted information regarding this account. The amount was small {$250.00}. 
I had no knowledge of the transaction, The discrepancy is impacting my credit score. 
I want this report removed.
Consumer complaint received 2016-01-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (IA)

Keep getting calls from National Prinicpal Group regarding a bill I supposedly owe. They 've also harassed my parents and my ex in-laws!? Finally spoke with someone and told them I never had a contract ( or heard of the company they said I was in violation of ) with or had an account at the bank they said I drew the loan on ( again, never even heard of the bank ). Told the woman calling to send it validation of the debt because I was debating it. Said she was sending time sensitive information that I needed to respond to, but did n't. Instead, 6 days later, I get a demand for payment, but still no debt validation. I do n't owe this debt and they keep harassing me and everyone I know but using different phone numbers. You block one and the spawn another.