davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

in 2016 we paid over {$20000.00} in our escrow account for taxes and insurance. Ocwen Bank misappropriated these funds and gave us a {$6000.00} refund. However the taxes and insurance for that year came to {$4500.00}. Thi8s leaves {$9500.00} unaccounted for. I have tried to clear this up with them via telephone and they seem to not know what happened to the {$9500.00}. I have all the paperwork that  supports my accusation of misappropriated funds. The {$9500.00} was not applied to our principal it just disappeared. Please help me.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NV)

I had saw a advertisement from wells fargo saying that i will get {$150.00} if i open a account with them and i had called to file a complaint with them and see if i can get that offer since the banker who had opened my account never told me about it. Then the customer service ahent said there was nothing they can do and she just transfered me to a supervisor then the supervisor said that the offer i saw on facebook was a invalid offer and that the promotion ended in  XXXX . I had  a specialist ca ll me and they said that they had a offer of {$250.00} but that ended in  XXXX  and that they dont have no offers for {$150.00} and that theres nothing they can do and disconnected the line. I have evidence of them putting false promotion and actually telling customers that to call customer service and they will take care of the issue when they really dont do nothing.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In  XXXX   2017 I p aid a {$460.00}  XXXX    XXXX   XXXX   medical bill. It is showing  - XXXX - b alance with  XXXX  and   XXXX    .  Transunion refuses to correct the balance to  - XXXX -.   XXXX  emergency associates advised they would recommend the tradeline be removed since it is a medical account. This has not been done either. I have disputed the amount  2 d ifferent times and they insist that the amount is correct and it is not and I can prove it. Please advise if I need to hire an attorney.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

According to NY State law, reporting agencies must remove paid charge-off accounts 5 years from the moment the account went first delinquent. Experian does not seem to comply with the NY ruling. Experian recognizes the DOFD and settlements instead of the charge off date and full payment.. <P/>Account # XXXX ( opened on XX/XX/XXXX ) was removed from XXXX and XXXX as per NY state law. Experian is still showing this negative item. <P/>XXXX ( opened on XX/XX/XXXX ) was removed from XXXX and XXXX as per NY state law. Experian is still showing this negative item. <P/><P/><P/>Experian needs to comply with NYS laws and not interpret their own ways of handling this.
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (MO)

XXXX   XXXX ,  17 I have been paying on an account for the electric company that was sent to AARGON Collection Agency. The last statement they are now charging {$32.00} as a line Item of Interest. Amount Owed listed as {$400.00}. Total Balance now is {$ 440.00}. I do not know why they are trying to collect interest and at this rate how do you ever pay off the balance? Seems extremely high.
Consumer complaint received 2017-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates (GA)

This illegal communication occurred toda y (    XXXX   XXXX    2017 ) . Other than the date, this complaint is identical to : Complaint number :  XXXX  submitted to CFPB :  XX/XX/2017    -- -- -- -- -- -- -- - Received a call on my mobile phone from a local number I did not recognize (  XXXX  ) and let it go to voicemail. The voicemail revealed it to be a " robocall '' and the transcript of that message is as follows : " This message is intended for  XXXX   XXXX   XXXX . [ sic ] I 'm calling regarding some pending complaints here that 's been filed in our offi ce. Press 1 now  to speak with a live agent or to contact our office at a more convenient time please dial  XXXX . Thank you in advance for your cooperation. '' According to information found online this number i s Miller Stark Klein & Associates  ( http : //millerstarkklein.com/ ), a debt collection firm. I have not had any business dealings with this firm. Further, I have no debt which could be legally collected. Their statement about " pending complaints '' seems to indicate a pending legal action.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have contacted transunion several times regarding this debt, this case was dismissed by the bankruptcy court on  XXXX / XXXX / 11 . I have also faxed transunion documents from the court showing case was dismissed and they still fail to remove this negative account from the department of Treasury from my credit file showing a debt for over {$6500.00}, the original debt is showing {$3900.00},  XXXX  and  XXXX  removed it and transunion still has this government fine on my credit report.
Consumer complaint received 2017-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp. (FL)

I financed a XXXX XXXX XXXX on XXXX/XXXX/17. On day 4 of having the vehicle, we was spelling raw fuel and noticing that it was burning more fuel than it should, we took it back to the car lot, who had us take it to a dealership for a smog test, came back that it needed filler neck and then repeat smog test for further issues, the car lot, XXXX XXXX XXXX XXXX XXXX XXXX, had n't her mechanic fix the vehicle, but did n't send back for repeat smog test, however, it was worse after the fact, after about a month, the air conditioner stopped working, we have tried to work with XXXX but there is nothing more she can do. So I started calling the finance company, United Auto Credit, to try to get it worked out, they are n't really working with me other than for me to try to trade it in which no dealership wants it or to give us enough to pay it off, they offered a settlement offer is someone wanted to buy it, but no one wants to buy it, and has said they really have us stuck in this upside down, meaning we paid too much and are getting XXXX I tried explaining to them that the dealership mechanic said it is dangerous to drive this vehicle due to the fuel evaporating or leaking, someone could flick a cigarette or something and boom, I 'm dead or burnt up in the hospital, this is very dangerous and does n't keep fuel in it, we have to get fuel daily and it still disappears after driving a few miles, it is really breaking us to keep fuel in it and we just want out of this loan, and for it not to go on out credit, making the payment is no issue, but when u have a vehicle with the serious issues this has, it 's not acceptable, I could understand the air conditioner, that is nothing, but to be told that it is dangerous to drive, that 's a big problem, I have spoke to the finance company on several occasions and to different people who say something different every time and no one is on the same page and they are making it very difficult as if the situation at hand is n't enough. I 'm scared to drive this vehicle. We lost a vehicle that was paid for in this as well, with that loss and the fuel, and repairs, and making payments, in the 3 short months we are {$5000.00} in the whole. We just want to get this resolved, whether it be wrote off as satisfied or another vehicle, or just out of it with our money back to get another vehicle.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I've been a victim of identity theft repeatedly since Equifax data breach I have been in multiple data breaches where all my information has been released all of my information and has been used for many inquiries and accounts therefore I have creditors and debtors and collection agencies after me that I've never been involved with in any way I have not used my credit my personal credit since XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX number XXXX XXXX ( CLOSED ACCOUNT ) payments late year XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2017-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I used to have a bank account directly with the bank of America on  XXXX  CT, They put me under a suspicions fraud call ed black check list after I deposit a check from my husband that used to have an account with them also and it was n't the 1st time  I deposited a check of him in my account but this time they decide to cancel my account and put it under suspected fraud activity that has cost me lots of problems that I cant even open a bank account no more and currently I 'm trying to buy me a house and that has come across even after I notarized a letter with my husband present and took it to the bank of America where I had my account when all this deal happened saying that he gave me permission to cash that check in my account regardless off they still put me thru that list and sending back my husband check for the yearly taxes return, than I get a letter from   XXXX   XXXX   explaining to me that I was put under this black list for 10 years because of that even though I show them proof that my account was n't been used for fraud, last time in     XX/XX/XXXX   I sent a letter to bank of America to review my case and delete me off that list later on they reach me back saying that it Was n't possible for them to take me off the list never mention any reason of why I 'm on that list.
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (TN)

Great Lakes adds interest DAILY to my student loans. Over approximately XXXX years, I have paid {$9000.00} " toward my loan '' yet the loan amount is actually MORE than when I was moved over to the company. ZERO has been paid to principal. By the time I finish paying my loan in, I think they said XXXX, I will have paid over {$40000.00} on approximately {$28000.00} in loans.
Consumer complaint received 2017-05-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

In  XX/XX/XXXX  I pulled a copy of my credit report because I was robb ed by gunpoint.. w  hen  I pull the copy of my credit report I noticed there was this company ca ll profolio recovery I co ntacted them on numerous occasions to try to get information about this debt that they were reporting was unsuccessful they would not say me any information and stopped responding to any of my letters ; so at that moment I contacted all  XXXX  credit bureaus to see if I can get them to work in my behalf ; since I was on successful with trying to reach out to this profolio recovery in writing and phone calls. I submitted a dispute letter never gotten a response from either ( credit bureaus or profolio recovery ). So in  XX/XX/XXXX  I went through the process of trying to purchase a home and was informed of this company being displayed on my credit report once again after reaching out to this company many times.. I reached out to the  XXXX  credit bureaus as well as this company profolio recovery as well was still unsuccessful of getting a response in each of the credit bureaus dating is under investigation, no response after the investigation was over.. but it was still placed on my credit!  XX/XX/XXXX  I contacted the  XXXX  credit bureaus again because once again I was unsuccessful with getting a response from this company so I submitted a certified letter to all  XXXX  credit bureaus explaining once again that I was robbed by gunpoint with my identity, Social Security card and birth certificate and  my car.. a sked that they submit to me a written contract with my signature that I requested this credit card but they 're verification was only that the credit card existed.. proof of documentation of the police report also the itemized statement of the things that I was robbed ou t of.. bu t even after I submitted the documentation was harassed repeatedly from this company about paying off a debt that I did not commit to that I was not even aware of and they still refuse to give me any written document of my signature that this credit card was mine, so in turn I reported them to the Attorney General 's office in the state of Louisiana it was informed that they are not licensed in the state of Louisiana to collect on a debt.. but this compan y profolio recovery  continuously harassed me by phone and also continuously reporting negative items on my credit report without submitting to me any written contract.. I have reached out to this company on many occasions and still can not get a response.. I 've also contacted all  XXXX  credit bureaus  XXXX   XXXX  and   XXXX   it still was unsuccessful of getting a debt removed so I found it was in my best interest to make an additional report that was also advised to me by Louisiana Attorney General 's office.. I would like this debt removed off of my credit report because this debt is not mine thank you and have a blessed day
Consumer complaint received 2017-06-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Thanks for documents you sent me, I concluded after my investigation that you are part of the ongoing fraud that  XXXX   XXXX   XXXX  Has orchestrated with  XXXX   XXXX . You have shown on your transfer documents only the current balance, but my monthly statement with deferred balance. There is no deferred balance on my mortgage and that will violate federal law. and even the current balance is questionable. The court will sort out and take the suitable action. I will attach this complaint with some document which you have already have but to refresh you memory in case you misplaced. please study those documents and contact with   XXXX   XXXX    XXXX  about its authenticity. Please provide me my account manager. I will see court.
Consumer complaint received 2017-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Hi my name is XXXX XXXX and I have been dealing with PennyMac to obtain a loan modification to be able to keep my home at an affordable payment. I initially applied over two years ago and have never been given a proper review, I have been denied for multiple reasons. I do believe my lender is engaged in predetory lending and additionally i do not believe Penny Mac has the promissory note or deed of trust. Over all I am confident my lender has violated my homeowner bills of right and is often involved in dual tracking.
Consumer complaint received 2017-06-05
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. (NC)

I have reason to believe that Equifax is suppressing my credit score.On  XXXX  -17 my  credit score was  XXXX   XXXX  17 M y credit score dropped to  XXXX . I recently had a new account added to my credit file by  XXXX   XXXX    XXXX   XXXX   on  XXX -17.As of  XXXX  -17 My  available credit was  XXXX .  XXXX  -17 it  went up to  XXXX .As of  XXXX  17 My  credit was  XXXX .  XXXX -17  XXXX . I have the same amount of accounts that 's being reported the same information on  XXXX  as well.As of  XXXX  -17 M y credit score was  XXXX . XXXX -17 it went up to  XXXX . On  XXXX   XXXX -17  XXXX .  XXXX  -17 M y score went up to  XXXX . I contacted Equifa x personal s olution on  XXXX  -17 to  voice my concern I was refunded  XXXX  and a discount on the Equifax complete advantage plan for  XXXX  for 12 months and i was told by a representative name  XXXX  that I would see a change in score in a couple of days. As of  XXXX  -17 My  score remain the same  XXXX
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This Complaint is in reference to the information provided by th e Collection Agency   XXXX   XXXX   XXXX  in response to my most recent Complaint against the Agency ( #  XXXX  ; see attachments ) regarding the fraudulent debt assigned to it by  XXXX   XXXX   XXXX . I have attached t he USPS tracking inf ormation for Article #  XXXX , which the Agency alleges constitutes proof that I was indeed sent notification by the Creditor via Certified Mail of its plans to impose a claim upon my deposit, as required by Florida Sta tute 83.49 ( 3 ) ( a ).  Note, however, that this mailing was initiated on  X/XX/2016    -- or more than 2 months after the debt had been submitted to t he Credit Reporting Agencies -- in a blatant attempt to cover for the Creditor 's failure to comply with Florida Statutes well after the fact. As for the Agencys further allegation that Florida Statute 83.49 ( 3  ) ( a ) does not apply in situations where the tenant has " abandoned '' or " vacated '' an apartment, clearly the fraudulent notice sent by the Creditor via Certified Mail -- which must have been intercepted by the Creditor itself ( also a violation of Federal Law ) in an effort to prevent me from obtaining proof of its efforts to circumvent Florida Statutes, or else it would have been forwarded to me at my grandmothers residence, as specified in my change of address Confirmation -- is indicative in and of itself that Creditor is keenly aware that the concepts of " abandonment '' and/or " vacating '' are not applicable when the Courts have evicted a tenant and ordered the lo cal Sheriffs Office to take possession of an apartment on behalf of the landlord, as the Collection Agency has frequ ently pointed ou t ( se e attachments ).
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I have contacted this agency through the credit bureaus. I 've made multiple requests for verification and validation of this debt. I have received neither. Also, the debt collector, IC System is not licensed and bonded to collect debt in the state of Florida. However, they have made multiple attempts by mail to collect on this debt. And are reporting negatively on all the major credit bureau reports.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

IQ Data c ontacted me regarding a debt my ex was responsible for. I informed them I was not responsible and that I would have him contact them. A few days later I was contacted and informed that he had set up a payment arrangement and they were calling to see what I could do. I again told them I was not responsible for the charge and that I was preparing for a military  XXXX  and to contact him. Once again they called and this time he told me to consider a settlement to prevent them from placing this item on my credit report. I asked them did my ex make an arrangement and any payments and the gentleman said yes to both that my ex made an {$850.00} payment and set up arrangements of {$330.00} to cover the remaining balance until the debt was paid. He then stated that he was offering me a deal to save money to prevent them from ruining my credit by placing it. I told him the debt was n't mine and if my ex was actively paying them why was he threatening me with a settlement of {$1500.00}. I told him to please continue working with my ex and leave me out of it. They then placed this item on my credit report. My ex contacted them and again they told him they would do a deletion for a complete payment and he stated he was n't in the position to pay that amount and the supervisor then told him " I 'm taking you off of the payment plan since you wo n't do the settlement. '' This company is horrible! They are bullying individuals with the threat of reporting items and them forcing settlements in order to delete them. This is not my debt, this item was placed on my report specifically for the refusal of my ex to pay a lump sum. Although he already paid them {$850.00} to set up the payment plan, after refusing the settlement they removed him off the payment plan and then proceeded to take the {$330.00} anyway.