davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

In the months of XX/XX/XXXX and XX/XX/XXXX I was late making my mortgage payments, XX/XX/XXXX was made XX/XX/XXXX and XX/XX/XXXX. I have made the payment plus late fee for these months. Ocwen Loan Servicing is charging me an additional {$6.00} for " Certified Mail Cost '' ( XXXX charges on XXXX/XXXX/XXXX, XXXX charges on XXXX/XXXX/XXXX, and XXXX charges on XXXX/XXXX/XXXX ). None of the mail that I received from Ocwen arrived at my home address ( billing address ) was registered or certified mail, however ; my renter received one certified mail at the property address for which the mortgage covers. This seems like an excessive amount of certified mailing charges and extremely unjustified.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (VA)

Received a call from an unknown number at my desk at work, the gentleman introduced himself as, " XXXX, '' and continued with the Mini-Miranda disclosure. He advised that he was calling from AFNI, regarding a debt, I informed him that I had previously requested no calls were to come to my place of employment, and to please note the account. XXXX acknowledged that, '' my account had been documented from my previous conversation, the number must not have been taken out. '' And then continued to pursue payment for this debt. I advised XXXX that continual calls at my POE are a clear FDPCA violation, to which he continued to attempt to collect on this debt. I promptly ended the call at that point telling XXXX to have a nice day.
Consumer complaint received 2015-04-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (TX)

Called today about the debt was n't communictated what the debt was sufficently. I agreed to pay the debt in full for deletion which the company stated they wouldnt do. Which is in violation to the " Fair Credit Reporting Act ''. I am willing to pay debt in full for deletion from credit report in XXXX hours.
Consumer complaint received 2015-06-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF HAWAII CORPORATION (HI)

XXXX complaintI wrote a check for {$1900.00} and change in the number amount and then spelled out a different amount only XXXX XXXX on the line. They didnt pay the check person or didnt let me know they cancelled it until the tax office sent me a letter that added a few XXXX more because of late fees that i thought was done months ago. Thanks to them i need to pay XXXX plus extra in late fee. 
XXXX complaintI call to get help if they can get a XXXX time security code taken off my account because it is not a XXXX time thing its every time i get on line to check my account. Ask to get help and the lady wants a federal tax number for what its a security " XXXX time thing '' but happens EVERY TIME I LOG ON. I did n't ask for a password or user id i have all that but I want to say Bank of Hawaii I will never do buisness with or would n't recommend it unless you enjoy useless type of customer service. The person i signed my buisness account with changed banks and i am in the process of moving to its just a warning for the rest who want service and help look elsewhere its guarentee better.
Consumer complaint received 2016-02-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (IL)

My account was used to process a fraudulent checks. I was supposidly hired as at the XXXX as an XXXX XXXX. My job was to XXXX for the purposes of travel and other expenses to the other employees at the XXXX XXXX XXXX. As a result the false checks bounced back into my account leaving me with the negative balance. Unfortunately my bank is about to submit me into collection since I have no money to offset the balance. I am currently unemployed, leaving with my parents, and unable to make my ends meet.
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

HELLO, I HAVE NEVER HEARD FROM THIS COMPANY, NEVER HAD ANY COMMUNICATIONS WITH THEM ; AND OUT OF THE BLUE, THEY REPORT ME TO CREDIT COMPANY, XXXX XXXX DOLLARS. THEY HAVE VIOLATED MY RIGHTS TO VALIDATE OR DISPUTE THIS ISSUE AND WHEN I SPOKE TO A CONSULTANT, XXXX, HE SAID THEY WERE MAILING IT TO MY PREVIOUS ADDRESS WHICH IS UNTRUE, BECAUSE MY MAILS FORWARDED TO THIS ADDRESS MY ACCOUNT NUMBER WITH THIS COMPANY WHICH THERE REP GAVE ME IS XXXX
Consumer complaint received 2016-02-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC (MO)

On XXXX/XXXX/2016, a representative from Zenco ( caller ID showed XXXX ) called me saying that I was being sued for fraud by their client, XXXX. They told me they have me on surveillance using this credit card, and that by not repaying the debt and not returning the merchandise, I had stolen the merchandise. They told me that I would need to hire an attorney if I wanted any information about their company. They gave me their phone number and company name, but would not spell the name of their company or give me the name of the actual person I was speaking with. I asked many questions including when the purchases were made on the credit card, how much the purchases were, if this debt was within the statute of limitations to be sued, etc. I also told them that this debt was not on my credit report and that I did not believe I owed this debt. They told me I was narrow minded and accused me of getting " all these credit cards and making all these purchases and then not repaying the debt ''. They even told me that they had filed the paperwork with the IRS to take my tax refund. They ended up hanging up on me.
Consumer complaint received 2015-07-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I had a checking account with Doral Bank located at XXXX XXXX XXXX XXXX since XX/XX/XXXX. 
On Friday, XX/XX/XXXX, Doral Bank, XXXX XXXX, PR was closed by the Commissioner of Financial Institutions of XXXX XXXX, and the Federal Deposit Insurance Corporation ( FDIC ). 
My Doral Checking account was later assumed by Banco Popular de Puerto Rico ( BPPR ). " The acquiring institution '' Per their website, XXXX. The conversion of the BPPR and Doral was completed a few months later. 

According to the FDIC, it is assumed that the fact that the deposits are transferred to " the acquiring institution '' does not affect the day to day banking operations. However since the conversion made I have NO access to the funds nor make or generate any transaction at all. 

Apparently, " The acquiring institution '' had an incorrect address on their systems, unable able to send notifications, including a complete kit with the new account number, cards, and a " PIN '' required for the web registration. On my several attempts to the customer service center, I have explained that I 'm currently living in the U.S ; however, I retain a local address in PR. This is exactly the same address that I have been receiving mail from Popular Mortgage, a division of Banco Popular, PR. For an unknown reason the bank could n't match this address. 

It 's been four months since I started communicating to BPPR that I require access to my checking account to receive the proceeds of the rents of a property retained in PR as well as to pay the mortgage associated with this property financed with Popular Mortgage Inc. ( now 4 months past due, with all the funds sitting in the account ). I have provided the correct address several times and I believe that their systems are finally updated. However I still need to receive the information associated with the checking account. All of the customer service representatives that I have contacted insist that because I 'm not residing in PR I 'm not allowed to receive an account number or PIN to validate. In the meantime my mortgage continues to fall. 

I demand that " The acquiring bank '' ( 1 ) send me a complete kit of the new account assumed, as well as any cards and PIN or information needed to be able to register on their website to generate transactions. 2 ) make any adjustments required to any of the ( XXXX ) Credit Reporting Companies, that could be negatively affected by " The acquiring bank ''. 3 ), cease and desist any written or verbal communication from Popular Mortgage Inc. asking mortgage payments while the funds are clearly sitting on the account for over three months now.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Sale of account — 
Company: AMERICAN EXPRESS COMPANY (CA)

My neighbor is constantly getting phone calls from XXXX stone collection agency and telling my neighbor of my unpaid debt. In addition to harassing this neighbor with embarrassing phone calls, they are disclosing my personal information such as a collection account. I refer to the following : THE XXXX FAIR DEBT COLLECTION PRACTICES ACT AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.
Consumer complaint received 2016-01-12
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peterson Enterprises, Inc. (ID)

My son hurt his knee. There was a {$60.00} deductible that did not get paid. The doctor sent me to collections saying I owed {$200.00}. I was then sued for {$300.00} and could not afford to contest. They got default judgement. I am in the process of being garnished for over {$1100.00}. How can I owed 18 times the original debt? it is unconscionable.
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been denied credit on many occasions and have requested a copy of my Transunion credit report and have yet to receive XXXX. This issue has been going on for the last two or three years. I have never given any creditor or credit reporting agency no other address but the one I have lived @ for over thirteen years. I have notice every time a creditor request a copy of my files it is granted. I have even tried online to access my files, as I did today XXXX/XXXX/15, but was denied saying I have an on going dispute and ca n't access my files until the investigation is over. That dispute came through XXXX and I was only able to dispute XXXX item. I need full access to my files that I may be able to dispute all files that are incorrect. I was denied credit by XXXX banks over the last two days. Why ca n't I access my files? What sense does that make?. I have joined many free credit monitoring services just to see my files and credit score. The other major credit reporting agencies give access why ca n't Transunion. Please help me solve this issue. Thanks XXXX
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have been in a debt management program for XXXX years until just this month decided to leave the program I am leaving the program because I am trying to refinance my home. The payments I was making in the debt management program would not allow me to refinance because my debt to income ratio is too high. After I left the program I was looking for the credit card companies to lower my minimum payments down to their normal calculation or by law. They are refusing to lower my payment. I have faithfully made my payment under the debt management program on time reducing my balances from {$70000.00} to {$11000.00}. I have talked with Bank of America up to the management level and they say I must continue with the minimum payments that they set XXXX years ago.I will continue to pay more than the minimum but I am in need to get the minimums down to be able to refinance my home. I currently owe Bank of America roughly {$4500.00} on XXXX accounts paying them {$520.00}. per month. If recalcalcuated payments would be no more {$90.00} per month. I am having the same problem with XXXX XXXX.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

When using the www.annualcreditreport.com website, Transunion link only offers a " sign-up '' for {$1.00} for use of the website. 

Pasted web page ; TransUnionFree Credit Score & {$1.00} Report Unlimited updates to your TransUnion credit score and monitoring Email alerts of any critical changes to your TransUnion credit Personalized debt analysis and credit trending Up to {$1000000.00} in Identity Theft InsuranceGet my ScoreDo n't worry, checking your score wo n't lower it. 

Offer Details : Your FREE TransUnion Credit Score & {$1.00} Credit Report are available as part of a XXXX-day trial of our subscription-based credit monitoring service. You may cancel at any time during the trial period. At the end of your 7-day trial, you will be billed at the low cost of only {$17.00} per month ( plus tax for NY residents ). 

XXXX Get Your TransUnion Score 3 Achieve Your GoalsGet my Score
Consumer complaint received 2015-06-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have a B of A mortgage modification loan, and it has been in place for XXXX years. Now for no reason B of A has been sending XXXX packages to my home. The documents state that I need to re sign these documents and have them notarized. The documents state " As your home loan servicer, we where pleased that your loan was approved for a loan modification.Although your mortgage has been modified, there was an error in the format of the documents that we used and they were unable to be recorded at the county records office. If not recorded properly, homeowners may experience issues later when attempting to have their home loan serviced. This is not a new loan modification. It is a copy of your previous loan modification. '' They later state, .. '' while reviewing the documents, we noticed the XXXX or more items where missing in order for it to be recorded at your local county recorder of deed, which is a requirement of the loan modification process.Because we need your assistance in signing the replacement agreement, we would like to compensate you for your time by offering a {$500.00} incentive. " I checked with the County and my modification has been properly filed, recorded and documented with the county ; they faxed over my documents and everything seems to be in order. I have called Bank of America many times in regards to this and they keep giving me the same reason. I was assigned an account specialist who called me back regularly to tell me she has no answer for me as to why B of A insists that I need to resign these. I have taken it to the B of A escalation department ; where I was assigned another " account specialist ''. I have been recontacted by this specialist over the last XXXX weeks, at least XXXX a week ; to tell me that she has no answer for me as to why they need me to resign. Now the last call from this representative, I was told that she would no long be able to work with me and that I need to contact another person from B of A. I have supplied them with a copy of my documents and deed, registered with my county as proof that there is no issue and that the documents are indeed registered. B of A continues to XXXX the same documents to me ; I believe I have XXXX or XXXX of these packets now. I just want a straight answer from B of A ; or a copy of the document from my county stating that there is really an issue with my documents. I can not get a straight answer from anyone at B of A, this has been going on now for over 6 months. I do not trust these people and I just want a straight answer or proof so I can sleep at night knowing that these people are not trying to take my home ; I have never missed a payment and I have never been late. Please help
Consumer complaint received 2015-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (VA)

As a result of a dispute over services owed with XXXX ( That is a separate issue ) I received a Debt Validation Notice from XXXX, XXXX and XXXX ( XXXX ) ( Exhibit A ) giving me several options to resolve my account. The original amount XXXX claimed I owed was {$71.00}. I opted for option # XXXX which was a XXXX time payment of {$49.00}. I paid this amount to XXXX on XX/XX/XXXX as evidenced by my bank statement ( see item highlighted on Exhibit B page XXXX of XXXX. This was to have resolved the issue and removed the collection account from my credit report. On XXXX XXXX I received a collection notice from Receivables Performance Management ( RPM ) ( Exhibit C ) stating that I had an amount due of {$21.00} on my XXXX account. This amount is the difference between the {$71.00} XXXX claimed I owed them and the {$49.00} I paid to XXXX back in XXXX. It is my understanding and XXXX that when I paid the {$49.00} that my obligation with XXXX had been settled. I did file a dispute with XXXX, a credit bureau, and they informed me ( Exhibit D ) that XXXX claims this account still to be in collection. Further RPMhas called me and was extremely belligerent when I attempted to explain that the debt had been settled and threatened that I would be subject to further action.
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I had a TD business credit card for a small business I owned. In XXXXXXXX XXXX XXXX I closed the card and had a XXXX balance. Several months later there was a charge allowed to be made on that card by TD Bank. The account was no longer open at the time the charge was made. I no longer had access to the account. I contacted TD Bank several times and had to drill down through automated systems to get to an actual person, and then after many conversations being switched to other people in their system I finally agreed to pay the balance to avoid getting a blemish on my credit report. But they reported this to the credit bureaus anyway. This is a very bad practice allowing a charge to be made on a credit card that was closed. They should have refused the charge and it would have been up to the company trying to make the charge to contact me for another means of payment. If the card had expired, TD Bank would not have let the charge go through, so how is this any different.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (GA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance {$130000.00}
Consumer complaint received 2016-01-12
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (TX)

William & Fudge , Inc. is requesting over the 8 % maximimum rate of statutory prejudgement interest as allowed in the Mississippi Code XXXX. I received a call from William & Fudge in XXXX XXXX stating I owed a debt to the University XXXX for a private student loan, my agent stated his name was XXXX XXXX The loan balance at the time included XXXX for the principle, XXXX for interest and XXXX for collection fees. The company confirmed that the collection had only been with their agency since XXXX XXXX and I requested a calculation of how the collection cost had come to over XXXX in such a short period of time, they were not able to answer, I also requested a settlement of the collection cost, to which they advised me to contact the University XXXX . I contacted the University XXXX on XXXX and was informed by XXXX in the Bursar office that the state of XXXX does not allow for settling on the original debt ( loan principal and interest ), however the collection company may be able to negotiate their fee. XXXX also informed me that the collection cost and fees did not cumulate from collection agency to agency and the fee the William & Fudge was charging was based on services that began in XXXX XXXX. I contacted William & Fudge on XXXX/XXXX/XXXX and spoke to VP of collection XXXX XXXX, who informed me again that they could not settle on the collection fees, I asked him how those fees were calculated as the file had not been with their company for more than two months and collection efforts had not been excessive, the company had my contact number and address on file and I had been in contact with XXXX XXXX. I was provided with no response other than it is their policy. I have sent a formalized debt validation letter to William & Fudge asking for : Breakdown of the principal, interest of loan Calculation of collection cost and fees including interest you say I owe ; Timeframe in which said interest rates are being calculated ; Provide me with copies of any papers that show I agreed to pay what you say I owe. In Pursuant to the Mississippi Code XXXX the Legal Maximum Rate of Interest is 8 % ; contract rate not to exceed greater of 10 % or 5 % above discount rate Mississippi Code XXXX. Penalty for Usury ( Unlawful Interest Rate ) Forfeit all interest and finance charge ; if rate exceeds maximum by 100 %, any amount paid ( principal or interest ) may be recovered ; person willfully charging usurious rates guilty of misdemeanor and fine up to {$1000.00} Mississippi Code XXXX.