davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (FL)

My credit score dropped almost 75 points and when I got a credit report the only negative was for a collection dept to XXXX XXXX for {$55.00}. The company that reported this was Sequium Asset Solutions fro XXXX, Georgia. I called XXXX  XXXX and they have no record of this debt and I am current with my XXXX   XXXX bill paid through XXXX  XXXX. I have tried to call Sequium but they do not answer the phone. I left a message but they did not return my call. I suspect fraud in this case and this has prevented me from doing a refinance.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IL)

I sent XXXX XXXX a request for validation letter. I specifically asked the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The company did not provide the name and address of the bonding agent for <<XXXX   XXXX>> in case legal action becomes necessary. This claim can not and WILL NOT be considered since they failed to complete and return copies of all requested documents made pursuant to the Fair Debt Collection Practices Act. 

I am requesting XXXX XXXX delete this account from my credit file. Failure to do so will result in legal action against the company. 

Respectfully, XXXX XXXX. XXXX
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

My credit card is automatically debited each month for access to my credit score BUT when I try to access it they are indicating I dont pay for that service when in fact I DO. I want proper access OR a complete refund for payment of NON- service. I have checked online for the monthly amount to verify what they charge for this service. It is still the same. I have NEVER received ANY notification indicating I can no longer receive my score.
Consumer complaint received 2018-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo is an awful mortgage company thats seeking to force my husband and I to sell our home in a short sale or lose it in foreclosure. Our mortgage has ballooned from {$3500.00} to {$6200.00}, which has made our payment unaffordable. Before the ballooning of the mortgage ( 10 years ) we were never late. Wells Fargo has constantly denied our modification because our income does not meet the qualifications, yet we earn more now than when we purchased our home in 2005. 
Through this process we have come to believe that something fraudulent occurred during the purchase period that we had no knowledge or understanding about. Wells Fargo was not our mortgage company at this time, our mortgage was sold to this company. 
Wells Fargo has been allowed to perform plentiful unlawful activity to consumers. If we in any shape, form, or fashion performed in the manner this company has we would be jailed. 
This situation is causing such emotional hardship on our entire family. We are pleading for help to save our home.
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (IL)

I notice on my credit report LJ ROSS ASSOCIATES IN is reporting a balance of {$140.00} which I do not recall I requested a signed document bearing my signature stating this account belongs to me. This item is reporting on XXXX, XXXX, and XXXX. This is a violation of the FCRA. I havent received anything from this company nor spoken with anyone to verify this account is linked to me.
Consumer complaint received 2018-09-16
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Recoveries, Inc. (MI)

I have written many letters to the Ombudsman, Student Federal Aid, which work in concert with each other because I have e-mail to prove it. When I prove them wrong and ask for specific information, This alleged debt is passed of t the next debt collector. XXXX XXXX /XXXX XXXX from National Recoveries Inc . 
Was clearly instructed to provide a license number to collect a debt in the state of Michigan and California. National Recoveries has not provided any license number.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I need Portfolio Recovery Associates, LLC # XXXX to Cease and desist ALL Collections and contact with me concerning the debt in their office that was due to fraud I have already file a police report with XXXX Police Dept. See Attached. This is the second time that I have sent a compliant on this issue.
Consumer complaint received 2018-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX  XXXX/XXXX, Account Number XXXX ( XXXX  and Transunion ).
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is the 5th time I've tried to fix the status of my Car Loan Account. Even though, credit reporting agencies asked XXXX XXXX XXXX XXXX to validate information and XXXX XXXX XXXX XXXX stated it was correct, when delinquencies weren't. 
I finally received a letter from them saying my account will be updated within 15 days from all credit reporting agencies. Please, I lost 75 points the first time the late payment occurred. I would like to get my 75 points back since my account finally had been brought back to current due to a misunderstanding. 

Attached letter from XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

I was charged a fee. American Express charged me a XXXX. I added funds to meet the monthly requirements of XXXX dollars. The problem with the XXXX dollar limit that it does not allow me to add funds of XXXX dollars. It takes days in order to be allowed to deposit more funds into the account. I added fund on the XXXX at XXXX paciffic time when the American Express button had allowed me to add more funds. 
It is not fair that the button feature does not allow any more funding more than XXXX dollars. if the requirement is XXXX dollars per month to reload the account. American Express should not limit the amount to transfer funds to XXXX dollars only. currently the limited is only XXXX dollars to deposit into the account from another bank card. I have tried to ACH money from another account. American Express removed that option from the serve account. I can not get money from my school financial aid into this account because the card has been blocked. I have tried to reload at a XXXX my account is blocked according to XXXX stores I have tried multiple times to get reloads XXXX is not allowing reloads to this account at this time. I have no other option when it comes to funding this account other than reloading from another bank card. American Express should allow the account to be free with out fees if the account is being used and reloaded with in 90 days period of XXXX dollars. 
is that it monthyMy school is not able to add funds for financial aid because the card is blocked. I tried to reload at XXXX and it is blocked. American Express removed. 
My American Express account was charged a fee and requested that American Express customer serivce returns the dollar back to my account. The customer service service tried to return back the dollar charged to my account. The system was not able to return back the dollar charged. 
The XXXX dollar bank card transfer limit makes it complicated to be able to get a full deposit of XXXX dollars. American Express should allow the acception to be able to deposit with in a day more than XXXX dollars.
Consumer complaint received 2018-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (TX)

On XX/XX/2016 I opened an account with XXXX. After four or five days I switched back to XXXX XXXX XXXX. On XX/XX/2016 I returned both phones to the store and paid the {$35.00} restock fee for each phone. XXXX has turned me into collections for {$1800.00} for the phones. I was not provided a receipt by the clerk at the time I returned the phones. He gave me some reason which I can not remember. I have my bank statement showing each {$35.00} deducted from my account to XXXX on that day. The collection company, Source Receivables Management, will not remove this debt from my credit report. I have spoken to management at the store who have told me they can track the phones through the IMEI number, that it has been initiated but it has gone nowhere. Source Receivables will only accept a receipt showing I turned them in. The store has looked in their system and it doesn't exist. I feel like the clerk took the phones leaving me on the hook.
Consumer complaint received 2018-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Onward Credit Holdings, LLC (KS)

Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$200.00} from Onward Credit on XX/XX/2018 and another {$250.00} on XX/XX/2018 and another {$80.00} on XX/XX/2018 ( in total, {$530.00}. ) I have since repaid {$640.00}. I still have a balance remaining. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal.
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (VA)

Discover credit Card XXXX is calling my job about a credit card in my sons name. my son contacted discover and told them someone got a hold of his credit card and to close his account. at the time he had only two cards one XXXX XXXX and one discover. XXXX  closed his account investigated and concluded charges were not made by my son. my son has not applied for nor does he have any credit cards after this incident he said he never wants anymore credit cards he got the cards to help pay for his school books. discover has found my information and repeatedly calls my job. i have told them seveal times it it not my card and do not call my job, they continue to do so. the number they are calling from is a number you can not call back the number is XXXX they call my job every day evern saturday and sunday and its now become harrassment and i want it to stop and they will not stop.
Consumer complaint received 2018-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (OH)

XX/XX/XXXX, we submitted a loan modification to ditech only to get the run around for a year, I would call a least 6 times a month to get any updates, I was always told my modification was under review and or they need more information which I did provide. in XX/XX/XXXX I was told to resubmit a new modification which I did, how ever before I faxed the information I recieved a letter from them saying our modification was in review. Again I called every week to get the same answers it's under review. Finally in XX/XX/XXXX I received a denial letter. I called them and was told to do another modification because they where using out dated information, so I did only to find out they never did anything with my new information .Again was told to resubmit a modification in XX/XX/XXXX. I did again. I feel we are getting the short end of the stick with them .ditech send a reinstatement letter which I asked for on XX/XX/XXXX only to receive it on XX/XX/XXXX which only gave me 15 days. I need help with this. I have all documents that support this.
Consumer complaint received 2018-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received statement from XXXX XXXX XXXX for total balance {$3700.00} that I did not make purchase. I am living in XXXX, and the purchase was made at XXXX XXXX FL. As soon as I received statement, I called Saks to put on fraud alert. I was told the purchase was made via phone and it was under investigation, the representative told me someone will call me back, but 2 weeks passed by, nobody has called me yet.
Consumer complaint received 2018-09-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (CA)

After seeing an ad for payoff.com loans to help lower credit card debt, I went to their website and applied for a loan. I was preliminarily offered a loan for {$25000.00}. I accepted the offer and submitted by bank account information for them to review for the loan. When payoff.com started reviewing my financial information they said only my income could be counted in offering the loan. I asked why my spouses salary did not count towards my household income and they said I could only count mine. And they couldnt confirm that they did not count shared household debt. I was then denied for the loan based on my debt to income ratio and they said there was a delinquency on my credit report. I do not have a delinquency so I asked for more information and a copy of the credit report showing it. They refused to provide any additional information or the credit report to me.
Consumer complaint received 2018-09-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MO)

Diversified consultant is the name ( DCI ) I had them taken off my XXXX   report, but all they did on my XXXX was change the name and date.they were under XXXX XXXX. In XX/XX/XXXX my son stayed at my house and had either XXXX/XXXX iam not sure because they changed there name on my credit file.it was never in my name it was in XXXX cone.after I had it removed it shows back on my credit report as a new connection inXX/XX/XXXX.iam like OMG this is so crazy to be able to do this to someone. Please look into this company because it has to be fraud.thank for any help I've tried for montha
Consumer complaint received 2018-09-15
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. (OR)

Equifax XXXX XXXX XXXX XXXX, GA XXXX ( My Credit Report ) Illegally in two ways shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX on my Credit Report. 

The Company XXXX XXXX XXXX  contacted Equifax electronic to remove this Charge Off Account as past 6 years old per Oregon Collection Laws ORS 12.080 Section 4 -Defined from my Last Payment XX/XX/XXXX per ORS 12.090 Section 1. Amount : XXXXOrginally {$620.00}.  Charges were not proven to me either-no account statement provided either. 

XXXX XXXX XXXX  obeyed the Oregon Collection Laws as I am a resident since XXXX. They contacted each of the three Credit Bureaus and Equifax illegally ignored the request in writing by XXXX XXXX XXXX Electronic to remove the Charge Off Account. 

So I am maintaining they are willfully ignoring Oregon Collection Laws-they are not in sharp contrast to Federal so must obey State Law per 15 USC 1681 Fair Credit Reporting Act. Have delete my collections in 6 years-Oregon Resident! 

How is the collection reporting accurately when XXXX XXXX XXXX  demanded removal of it several months ago. I also followed up with a letter-after XXXX XXXX contacted XXXX XXXX. I do not need to wait 7 years Federal due to Oregon Collection Laws.

Demand Removal oXXXX XXXX XXXX XXXX off my Credit Report-Company asked for it to be removed too!
Consumer complaint received 2018-07-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc. (AR)

on XX/XX/XXXX i recieved a loan agreement letter from XXXX XXXX of lending tree ... .after several days i was called saying since i didnt have online banking i would have to send {$200.00} on itune giftcards. which i did ... i was then told i would have to send {$250.00} more. i asked to be reimbursed for the {$200.00} i had sent and was told no. 
during the time i been trying to file this i have been called 17 times from the number XXXX being harrassed!
Consumer complaint received 2018-09-15
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: Experian Information Solutions Inc. (NY)

My complaint is against Experian reporting system as i have sent several certified letters showing proof that the account is not mine and the company doesn't even have this account. I have sent the actual letter from the company stating that the account is not mine and it should be deleted. But Experian keeps reporting this on my credit report, which really hurts my feelings since i pay {$32.00} a month for their credit fico score information. I feel as Experian doesn't take these matters seriously and for several months now they keep updating a account that doesn't exist. I have spent over {$50.00} in certified letters and spent hours and hours collecting this correct information to HELP Experian out by showing them proof! My next step will be small claims court, as i know that i can be awarded {$1000.00} for incorrect information and i will take my monthly Fico/credit checker business somewhere else where they treat customers with respect and listen to them. I am so exhausted from this disputing that it would be easy in small claims. Again the tracking information for these letters. USPS Certified Mail XXXX : XXXX delivered XX/XX/XXXX. What else do i need to do? I have shown PROOF with letters from these companies! Who is doing this verifying? It's obviously not correct!
Consumer complaint received 2018-09-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Dear CFPB, it is not over 90 days asking my mortgage company help to avoid foreclosure and all they keep doing is requesting for the same documents over and over again. it got to a point where I'm faxing the same documents every week to them. 

i am now in foreclosure with a sale date and CARRINGTON MORTGAGE - Loan Servicing / Supervisor XXXX id # XXXX refuses to help me because she said due to my background the investor of this loan refuses to help me avoid foreclosure. 
Therefore it is not on their best interest to help me. 

i asked for her manager and she keeps telling me they all are on vacation and they will come back until the end of the year. 

Please help me since all im asking is help to avoid foreclosure and save my home. 


XXXX XXXX
Consumer complaint received 2018-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MI)

In XX/XX/2018 an account was created with a clothing company, XXXX. This was a charge account through XXXX XXXX. A balance of over {$300.00} was incurred. We have been called at home 3-4 times a day for about a month from XXXX. They appear to be trying to collect the alleged debt. The account was not opened by me or anyone in the household. The account listed an address in a city we have not lived in for over 6 years. XXXX refuses to supply information that would assist us in determining who opened this account, including account number and copies of the application for the account. 

We have never received any bills or written communication from XXXX that would have alerted us to this account. They refuse to discuss this situation, claiming privacy issues. They won't tell us if this was an internet purchase or from a brick and mortar store. 

XXXX refuses to assist in resolving this fraudulant activity.
Consumer complaint received 2018-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation (TX)

I informed First Franklin that I was no longer in position to pay them anymore XX/XX/2018 They should have received their letter XX/XX/2018 and I did send a INTENT TO PAY Letter along with a Notice to Cease Communication letter. And after they received these letters they have continued to withdraw from my account and that is a form of communication.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

XXXX XXXX XXXX XXXX keeps on calling my cell phone number countless times in a single day. They call me from a local phone number with a different number every time and from a XXXX aswell. I told them that I revoke consent on calling me, but they still call. Ive been having this issue since I first opened an account with them fell behind one payment on furniture and the calls kept on coming. I am very unsatisfied with this company and really regret doing business with.