davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage added a Forced Place Insurance onto my account. I made my normal payment as usual while this was being researched. The payment was put into a " Suspense Account '' and I was forced to make an additional payment. After arguing with them for over 6 hours spanning 3 days and speaking to the Customer Service Dept., Escrow Dept., Insurance Dept., it still has n't been corrected. Now they are stating that I owe XXXX times the amount of my " new '' payment amount and nothing has been done accept that they returned my 2nd forced payment. Luckily I working iin Escrow as an Assistant and Officer and know what I 'm doing. I feel horrible for those who do n't know what they are doing and have to go through this. *Side Note. Nationstar Mortgage is settling a lawsuit for their Forced Place Insurance practices. It looks like they are up to it again.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (VA)

I have been put into collections for a tax bill that I paid on XXXX XXXX, XXXX for a XXXX MD tax bill. I have sent a dispute letter with proof of payment and have received another demand letter.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

Case XXXX XXXX University COLLECTIONS DEPARTMENT HAS RUINED MY CREDIT WITH AN INACCURATE CREDIT REPORT. To BOTH Equifax saying my debt was over XXXX dollars and XXXX same starting debt then follow up reports on that debt that still are wrong. XXXX actually owes me money because I was a XXXX XXXX and Housing regulations say I stay until Graduation with no late exit charge. Also XXXX charges ridiculous amounts for " alleged '' cleaning and XXXX ( E Mail for Collection agent ends in XXXX so he works for XXXX and is not independent and Harasses many times a day STILL including my cell at work for XXXX. DESPPITE his billing charges differing from XXXX XXXX Billing Charges
Consumer complaint received 2015-04-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SIMM Associates, Inc. (CA)

The company XXXX Associates Inc. keeps calling for XXXX XXXX. I 've told them not to call because I do n't know this person and I 've had this phone number for 8 years. Nobody by that name has ever had my number and I do n't know where they got it from. They keep saying they 'll remove my number and they do not. They have been calling my number since 2007. I 'm tired of these calls. Please advise. Thank you.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We had been at XXXX XXXX XXXX in XXXX, California for almost 20 years. We refinanced our home with Country Wide Mortgage. When my husband applied for this, he was told by the agent at Country Wide that they had been instructed to lend to anyone with a heartbeat. 
The market collapsed, we were not able to keep up with our payments and contacted Country Wide. They were working with us and assured me that we could come to a settlement. I provided them with all the documentation they requested. Suddenly our home of over 20 years was up for public auction. I tried to contact County Wide and was told the person I had been working with was no longer there and they could not help me. 
We lost our home. I did not know there was an agency that might be able to help us so we left after paying a {$2000.00} per month payment for more than 20 years, we lost it all.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

credit Bureau Equifax not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXXand with XXXX since XX/XX/XXXX till present2. as showing XXXX names for me instead of oneI am XXXX XXXX not anybody elseAlso credit bureau XXXX showing incorrect information on my name as well - I am XXXX XXXX and onlyand I am afraid that third credit bureau has the same issues but they did not provided for me their data for nowPlease help me out because these situation continuing for a years and they are not helping at all
Consumer complaint received 2016-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC (VA)

FMS Financial Management Solutions, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of a so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When a significantly reduced judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, FMS Financial Solutions has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

FMS Financial Solutions refused to correct their records, despite the fact that they were made aware that they are in violation of the Fair Debt Collections Practices Act ( XXXX XXXX XXXX ), especially section XXXX ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I visited a Sears store near me to inquire about the purchase of a cooking range. The sales associate convinced me to purchase the range that day and told me he could get me 5 % off if I used my Sears Card, which I did. The total purchase was going to be {$2500.00} and I informed him my credit limit on the card was {$1800.00}. The sales associate suggested we run the transaction to see if it goes through. It did and I assumed that the credit limit on the account was raised or the transaction was deemed okay. However, I received an email later that my credit card was over limit. As someone who monitors my credit rating carefully, I became concerned that the sales person 's actions could potentially harm my credit rating with an over limit report. I called Sears Credit ( a Citigroup company ) and was told that warranties and services are not counted toward the credit limit and they can put me over my credit limit when making a purchase. And they told me that the over limit status would be reported to the credit bureaus. Furthermore, they told me that I now owed {$750.00} plus the minimum payment in order to bring my balance below the credit limit. I feel this is a trap and puts the consumer in a very bad position. Not only did Sears knowingly allow me to cause harm to my credit rating, they also put me in a potentially harmful financial position. If I did not have the ability to pay the card down by the next billing cycle, I 'd be in a very difficult financial situation. Regardless, I will have a blip on my credit report regarding the over credit limit. Sears 's position is that I should have known their credit practices and the fact that services and warranty charges allow consumers to exceed their credit limit, which may potentially harm them. How was I supposed to know this and what is a credit limit for? And how can Sears take the position that they have no responsibility in this situation? Sears is wrong. I should have been informed at the time of transaction that what the sales associate was doing could potentially harm me. Please do something about this.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP (KY)

I sent my online payment from my bank XXXX/XXXX/2016 to my USBank Business Credit Card. The payment was due on XXXX/XXXX/2016 - a Sunday. USBank says they received the payment on XXXX/XXXX/2016. They card is continuously paid off each month so there should be no interest. They charged me {$39.00} late payment fee and $ XXXX interest. The payment should not have taken two weeks to get there. This is the second time they have said it was late when it was mailed in at least two weeks prior, just a couple of days after the bill is received.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I have called several times to Regions to correct the reporting of my loan to the credit bureau. I have request Regions send me a print out of all payments paid from the beginning of loan. Regions Mortgage has n't sent anything or correct the file.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

My divorce decree indicate that my ex wife to pay all medical expenses created by her children. A collection was placed on my report resulting from her failure to pay the medical bills from her daughter. 
I have disputed the issue with Experian and they sent a report stating the collection will remain and to work out a payment arrangement with the creditor
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (TX)

I have debt collection from Caine & Weiner Account No. XXXX & original creditor is XXXX ( address id number XXXX that appear on my credit report. I have contact both lenders about this matter and seem to get nowhere about getting this matter cleared off my name.
Consumer complaint received 2015-10-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was tied ti my daughter student account with additional checking and savings. My daughter was only allowed to use the ATM with her student account. In doing so she deposited a check through the ATM which was a fraudulent check she withdrew {$200.00} at that time. I was in another state when she was doing this at college. Since it was a fraudulent check all of our accounts XXXX of them were closed and filed with companies so as to never open up an account again with any other bank. I have since lost XXXX jobs because of this filing and I 'm not able to open up my company again because I can not open up banking account. I need help with this resolving as I have tried to fight with first response and security companies to allow me to make a living I am now destitute. I can not find myself to make a living to feed my family. I 'm a single parent and had a woman own business. please help me to put my life back together.
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted by XXXX XXXX regarding an XXXX account balance that I disputed with XXXX, this past XXXX 2015. I had previously made a partial payment to RGE days before I was contacted by XXXX XXXX. When I spoke to the customer service rep at XXXX XXXX, I gave them all the information to debit my checking account for the remaining balance. I was told that they would first have to verify with RGE of the amount that I had already paid, and it might take as long as 30 days to confirm. They would then debit my account for the balance. I questioned whether the collection information would appear on my credit report, and she assured me that it would not, because I was making a payment within 30 days of them receiving the account. About a month or a little more later, I received another call from XXXX XXXX stating that they needed me to authorize another debit from my checking account. I explained that I had previously authorized a debit a month or so with another rep from the very same company, I was told that because I authorized an amount {$.00} more than I actually owed, that I would need to authorize the new balance. I expressed my frustration at not receiving a phone call sooner to let me know of the new issue with debiting my account. I spoke to a supervisor, who assured me the following day that he had received approval to remove the collection activity from my credit report because it was an error on their part. I was told that the company would send the request through XXXX, the same system used to place the collection activity, to have the activity removed. A month or so later, the collection activity was still on my credit report. I called back, spoke to another supervisor, who not only confirmed that a removal request was sent through XXXX, but he also gave me a letter explaining that my account had a XXXX balance to be given to my mortgage company. I called back a few weeks later to complain to the same supervisors I have previously spoken to, about the collection activity negatively affecting my mortgage rate. Again, I was assured that the information was re-sent to XXXX, and I was told to file complaints with each of the credit bureaus, which I did. I 've filed requests for investigations with each of the credit bureaus twice, but so far only XXXX has removed the negative collection activity from my report. XXXX and TransUnion continue to report the collection activity on my credit report, even after I faxed and mailed a copy of the letter ( on company stationary ) I received from one of the supervisor stating that my account was paid off and that they collection activity had been deleted from my credit report. Although I submitted this letter to my mortgage company, I still was unable to qualify for the lower interest rate that I was promised when I was first qualified.
Consumer complaint received 2016-02-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (OH)

CMRE Financial Services of XXXX CA, specifically, XXXX and XXXX XXXX, submitted collection actions to the credit reporting agencies which dropped my credit score over XXXX points and prohibited me from getting jobs as I work XXXX and the collections on my account would make me ineligible for jobs in the industry. I contacted CMRE and they acknowledge that reporting invalid debts is illegal they only apologize and state they will remove them from the credit report. This does n't fix the fact that I 've been unable to apply for jobs due to the collections being on my report. The debts were clearly paid and no longer existed but CMRE did n't do due diligence to ensure the debts were valid and legitimate. They refuse to accept responsibility for their wrong doing.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-08-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: David Deep Law Offices (KY)

XX/XX/XXXX, My ex wife applied for a title loan through XXXX XXXX XXXX on her car and in doing so the company wanted me to cosign the loan for her. The original amount of the loan was for {$1000.00} she then got into a car accident and stopped making payments. In XX/XX/XXXX I received a wage garnishment order for {$20000.00} from this company and received no prior communications about the debt because I was not living with the original account holder since XX/XX/XXXX, on the garnishment order that I received from my employer shows a mailing address of a PO BOX that I never used. Being a cosigner I know I am also responsible for the note but do not agree with paying accumulated interest of the loan, I have been in contact with the finance company and also with the collection company handling the account trying to come to a resolution. I have paid {$4000.00} so far on this account, however they are not attempting collections on the original account holder and trying to collect back interest of 29.22 %. I believe that this is a very unfair practice from this company I believe that I have fulfilled my obligation as the cosigner on the note paying the original loan amount plus other costs for the loan going into default. All the payments that have been made, came from me and not the original account holder. I believe that forcing me as a cosigner to pay accumulated interest since the loan has been in default is just wrong. I was informed by the collection agent handling the account that I have paid more then the original submission of the account. How is it legal for a company to keep accruing interest on {$1000.00} loan for many years that the account has been in default?
Consumer complaint received 2015-12-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

I have contacted Portfolio Recovery Associates over ten times. I have informed them that this is a direct result of Identity Theft, and I have faxed them Police Reports and emailed them, and have since faxed them everything twice. I have sent them letters, disputed with the reporting agencies, and since they have re-aged the debt to make it appear new, and have changed the account numbers. I AM OUTRAGED AT THIS!
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I disputed with all three credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX 's rep XXXX. I was told by XXXX 's agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX Website as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.
Consumer complaint received 2015-07-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

I was targeted for an American Express Platinum card. On XXXX XXXX, I logged into the cardmatch tool at XXXX and saw an offer for XXXX membership rewards points after spending {$3000.00} in three months. I applied and was approved automatically. When the card arrived three days later, I called American Express to activate my new card and inquire about my signup bonus. The rep whom I spoke to said my card comes with no signup bonus. Despite me having screenshots of the XXXX point offer and contacting many other associates and supervisors through the phone and online chat, American Express and I have not been able to solve the situation amicably. I have not used the card and will not be doing so if I 'm denied what 's due to me. They 've billed the annual fee to my card ( {$450.00} ) so I 'm calling for an immediate resolution to this situation so I know how to proceed.
Consumer complaint received 2015-07-27
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery is a junk debt buyer XXXX XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! 

I request that Portfolio Recovery verify the following information. 
1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.