davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc. (AZ)

I have NEVER experienced anything this unpleasant in my life. 
XXXX XXXX from Thunderbird Collection Services started calling me in XX/XX/XXXX. He left one message on my home phone stating he had a business matter to discuss with me. I did not know who he was so did not call him back. He had also been calling my cell but did not leave a message as to who he was or why he was calling. 
He began to call XXXX of my sons repeatedly telling them he needed to talk to me about a business matter. He then called my work and left the same message. When I called him he was immediately condescending and rude. He asked if my sons had talked to me and used their names. He told me his calls were in regards to a 2012 medical bill, that I must have had an operation and that I had n't paid. He referred to the medical business as his client and said that it was going to be taken to judgement. I said I would look into it, call my insurance company and the medical office to see what had happened. I asked him not to call my work ( I am a teacher and it is not the front office staff 's job to take my messages when I have a cell and home phone ) or my sons ' phones while I was working on this. He continued to call my work EVERYDAY. He repeatedly called my cell phone and my sons phones. It was difficult for me to contact the business as it was XXXX weekend. I finally got in contact with the office manager at the medical office, found out it was from XXXX one of my son 's had had. I paid them directly. XXXX XXXX then called my husband and started berating him because I kept saying I 'd pay and I had n't. My husband would not let him speak because he was so rude. When my husband told me XXXX XXXX had called him I called XXXX XXXX to let him know I had paid. He was angry that I had paid the office and demanded a confirmation number. He said he would keep calling and attempting to collect until I provided it. I got the number, called Thunderbird Collection Specialists and left a message for him, stating that I would NOT talk to him again. 
As I stated I have never been treated so rudely. This was abusive and completely unprofessional. I can not express in writing how this man made me feel. It was an awful experience for an old {$200.00} bill that I did n't even know I had.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

I am in danger of losing my house at foreclosure sale because my lender Ocwen has been switching us from one department to another, losing my paperwork and misleading me.  I am behind on my mortgage, but our situation has stabilized and we now clearly make enough money to afford a fair mortgage payment. I was told by the Ocwen agents (when I could understand their XXXX) that I clearly qualified for modification help.  But after nearly 3 years of trying to get reviewed and mailing in full packages to them on multiple occasions I am now facing a XX/XX/XXXX sale date.  This property has been in my family for XXXX years, and I can not let it be foreclosed on!!

I refinanced several years ago and found out later that this adjustable rate loan that was sold as the best deal has a rate and payment that goes up constantly.  My interest rate is currently at 6.625% and will soon be at 7.25%.  I worked as a XXXX for over 25 years but began XXXX and was soon on a fixed income.  The problem was that my mortgage payment was going up as well as the cost of living etc.  I began struggling with the monthly mortgage payment and contacted Ocwen and was told that I could apply for help I just needed to fill out some paperwork and send in my financial information.  After the documents were received I was told by the agents at Ocwen that I definitely qualified for help, with my fixed income and my wife's employment with the XXXX we fit into guidelines.  However, we then went through two plus years of back and forth with Ocwen. We were never able to speak to the same person twice; there was not a single point of contact, and when we did get someone on the phone we usually could not understand them because they were working at a call center overseas.  A few months ago we were told that we were being denied for any type of help and that we needed to sell or move out of our house.

I am not shocked that this has occurred, because I have read that Ocwen has a history of misleading and lying to homeowners in foreclosure and in fact they were fined XXXX by the US government for these actions.  I am here to tell you that this is still a problem.  I want to save my home.  I have researched the guidelines for the government modification programs and I am sure that we qualify, the problem is that Ocwen has not conducted an accurate or timely review (if they ever conducted a review at all) of our current financial circumstances.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I disputed XXXX inquiries that were not mine. I had never applied for credit, insurance, employment with any of these companies and had no business dealing with any of these companies. Equifax refused to investigate simply stating they are factual records and to contact the companies who pulled my reports without consent. NONE of the XXXX companies would respond to me. Equifax had a duty under Federal law to investigate, yet failed to do so placing the burden on me.
Consumer complaint received 2016-12-02
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (CA)

Closed and pulled money from the account to make it a zero balance. Had told me prior on the phone that they would send a check for the amount of the account. 

After months of not receiving a check, I called them again and the representative told me that the account was permanently closed and the money returned to where it came from and that I would not be receiving a check. She could give me 'no further information '.
Consumer complaint received 2016-12-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Security National Automotive Acceptance (KY)

Security national repoed my car when we had automatic payments saying we were 2 months behind and were not. They say we owe XXXX online, XXXX on the paper they sent us and 500 and something on the phone when they call. We only are past due XXXX dollars. They have the due date wrong in their system and whenever we fax the paperwork to have them change it they loose it each time and wont change it to the correct one. They are now telling us we are 3 payments behind and we are not. Im so tired of this company.
Consumer complaint received 2016-10-13
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated (WI)

On XXXX/XXXX/2016 I attempted to use my eppicard and it was denied. I later found out over $ 700+ had been taken out of my account through fraudulent activities. I immediately contacted eppicard to report the fraudulent claims. It took two days and hours on the phone because no one would pick up the call. I sat on hold for hours after being re-routed multiple times. I finally got someone on the phone after an hour and gave them all the info. They then transferred me and I had to give all the info again. I was told they would send me a form and I would need to fill it out and return it. Then I would have my money returned to me within a couple of weeks. The form arrived, I filled it out and returned it. I have still yet to receive my money back. I have made multiple calls to eppicard to find out where my money is and have been repeatedly hung up on by the system or sat on hold for so long, my phone has gone dead, or I have had to hang up. Most recently I call and it took me recalling the customer service number for 25 minutes to finally be transferred to a XXXX person. The system would hang up on me if I did n't answer the prompts correctly. Once transferred, I remained on hold for 85 minutes until I finally had to hang up. I still have yet to get my money back or speak to anyone live about it.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by TransUnion, XXXX, XXXX, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. In other words, it should be immediately deleted from any of my consumer records. 
I am writing to request that the credit bureaus ( TransUnion, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
Consumer complaint received 2017-01-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

i had called to stop several automatic payment withdrawls from my checking account. they had also missed one when i spelled out the name for him. he said they would show up pending when the withdrew, as he explained then the following day after i checked to see if the fell of they came in as miscellaneous items, i called the customer service department again they couldnt access the files, he said what some companys do is re submit them again under different amounts and that they put in a coverage rate and that they would fall off by XXXX the next business day well they paid them anyhow the ones i wanted stop payment on and the missed one that i even spelled it out for the representive, who was discouraged that he had to enter these stop payments when i called customer service she couldnt answer me that she could file a complaint that they dont record individual conversations in to whom we spoke with. i asked then so since i was a bank error would i have to pay overdraft fees until i have the money and she replied yes, but she said it wasnt a banking error.so now i am overdrafted no money and cant keep up with the overdarft fees
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (PA)

This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, Experian, XXXX, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and Experian ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Following up on case # XXXX Bank of America has responded via mail date XXXX XXXX, 2016 enclosing multiple copies of the ( 1 ) promissory note and security agreement ( 2 ) Affidavit of lost note. 
( 3 ) Settlement statement and service notice. 

However, they failed to include : ( 1 ) Name of investor/ promissory note holder prior to BofA losing the note and after they lost the note. 
( 2 ) BofA states that they indeed filed a XXXX but did n't include a copy of the document as well as did n't indicate whether it filed for release or not. 
The XXXX system does n't reflect any XXXX ever filed by BofA
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

my bank account was closed, and left me with debt, after a few attempts to steal my identity and was harassed constantly by a company called XXXX, and also a XXXX. 
my credit card and bank card were both stolen from me. I filed a frud claim, but was never responded to.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH, PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX # XXXX open XX/XX/XXXX Amt {$1100.00} XXXX  XXXX  XXXX XXXX open XX/XX/XXXX Amt {$250.00} XXXX & XXXX XXXX XXXX open XX/XX/XXXX Amt {$700.00} XXXX XXXX  # XXXX open XX/XX/XXXX Amt {$370.00}
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MI)

Received my Score form Experian from my bank. Folllowed the link on the pdf to get the free annual credit steps online on Experian. After I actually started disputing a few things on the report and adding them successfully to cart, I was n't allowed to proceed, kicked out of the system. I tried many. Still no access to all the work and disputes. A failure notice that says I need to write to Experian. No technical error. Tried a different laptop, great connection. I try to sign up and /or buy a product and it works well. This is a way of making things difficult deliberately to consumers -- who would mail instead of having online access? -- a way to oblige consumers to get the free annual report and actually dispute transactions online
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

EXPERIAN HAS NOT TAKEN BASIC STEPS TO ENSURE THE ACCURACY OF THE INFORMATION BEING REPORTED. Experian has used a 'code ' to identify information as opposed to consumer 's actual personal information or requesting XXXX to supply actual documentation and has therefore caused harm to the consumer for willful negligence and willful noncompliance with FDCPA and FCRA XXXX when the consumer requested a investigation. Experian has not provided sufficient proof or information sufficient to validate this claim per FCRA. ( a ) The name of the creditor ;, b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute Experian responded with a generic response that did not address specific complaint of consumer to validate information being reported by XXXX XXXX.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (NY)

Approximately 6 months ago, my employers payroll account was hacked into and stolen all of our personal information was stolen. Identity theft has several accounts open. One was thru Navy FCU. I called several times to have this account closed due to identity theft. Everytime I spoke with someone about it, supposedly they closed the account and they were going to send out an affidavit to complete and send back ( never received ). Last call was one month ago about this situation. And I am still receiving monthly statements in the mail and have not received the affidavit. Also when this account was open, it put a hard hit on my credit score. Not happy. If I closed an account esp due to identity theft, I should not have to call every month when I receive a monthly statement to find out it HAS not been closed.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (CA)

I was recently informed by my credit card company that a merchant I visited had a security breach and as a result, the credit card company would be issuing a new credit card for me to protect my account. However, when I requested the name of the merchant with the security breach, I was informed that information was private and could not be disclosed to me. As a consumer, I find it shocking that I am not allowed to know which merchant had a security breach and potentially exposed me to further security concerns though my credit card company is allowed to know. Thank you for your assistance.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX 2016 SYNCB/WALMART received XXXX certified letters disputing XXXX account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received no feedback from SYNCB/Walmart whatsoever. I checked my credit report 30 calendar days since the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone make them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] The information they are reporting is incorrect and fraudulent. I contacted the customer service section using the number provided on my credit report. I requested that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap.
Consumer complaint received 2017-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

Bank charged overdraft fees  XXXX  $ from my account.
 XXXX / XXXX /2017- XXXX  $  XXXX / XXXX /2017-  XXXX   $ I complained right away but, bank say   XXXX   XXXX   check cleared my deposit was   XXXX   XXXX  .
Also ATM machine (  XXXX  branch ) bite my debit card when I cash deposit.
I have to wait untill next day to see bank teller at the window.
I remember I had very very hard time at a moment to make chance to call and visit the branch for deposit the money.
Consumer complaint received 2017-07-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

I have sent this company several debt validation latters. They have yet to reply back to me with specific questions I requested TRANSWORLD SYSTEM to answer.
Please see the attachment debt validation letter they have yet to reply back to answering " ALL '' questions truthfully with signed affidavit.
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I have NO contract nor have I ever had a contract with TRANSWORLD SYSTEMS INC. of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX , PA  XXXX .
Consumer complaint received 2016-12-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I accidentally made an online transfer in the amount of {$500.00} via Bank of America online to an account which I thought it 's my wife 's on XX/XX/XXXX. I found out the problem next morning and called BOA right away. But BOA claims they were unsuccessful at contacting the recipient and refused to take further action. 

My wife and I have a joint account with BOA, but for some reason, my wife can not access the joint account online, hence I can not do a self transfer to the joint account. My wife reported this online account access issue to BOA several times in the past but that never got resolved. Because of that, I had to transfer fund to my wife 's own account every time I need to send money to her.