davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My loan servicer was XXXX, I mailed in three payments, 1 in XX/XX/XXXX & 2 in XX/XX/XXXX- as far as I am aware only 1 of the 3 payments was debited and applied to my account. I am not  sure, bc I have received contradicting letters, as well as contradicting information on the phone. I received a letter dated XX/XX/XXXX stating that my loan was being transferred to Rushmore. Since being transferred, XXXX advised me that I do not need to worry,XX/XX/XXXXpayment will apply & a delay was common. To date, I have received no checks back & no payment was applied that I know of. Th new servicer told me to contact XXXX & XXXX told me they no longer had my file & to contact the new servicer. I had also contacted the new servicer on several occasions to enter into a repayment plan- for the months that were becoming past due ( not including the months for which I sent payments in for ). They were going to send me a packet for repayment options & told me to either send the payments in again or wait to receive them from XXXX. I have now received a notice of Default & to Foreclose from the new servicer & no packet, no assistance options.
Consumer complaint received 2017-11-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

I have a mortgage loan with a company called BSI financial services and XXXX XXXX. I was late on my XX/XX/XXXXpayment which I paid on XX/XX/XXXX. I would have paid it sooner but due to hurricane Harvey I made the payment late. In XX/XX/XXXX my payment went up to {$3900.00} from {$2400.00}. I did n't understand why it went up so high so when I called BSI and told them my payment was so high XXXX XXXX told me to go ahead and make my normal payment and that he would check the issue for us. This had happened before and they fixed it. We thought that is what happened again so I made my XX/XX/XXXXpayment in XX/XX/XXXX but by that time we were were told we now owe {$11000.00} by XX/XX/XXXX. They said they could n't apply my XX/XX/XXXX payment because it was now considered a partial payment. They raised our payment that is supposed to have a locked interest rate for 5 yrs of 9.6 % was raised to 13 % they said it was a default payment interest that would go back down when we caught up on our payments. We are only in our 2nd year. That should have taken our payment to {$2900.00} but instead our payment went up to {$3900.00}. We definitely can not make the payment of {$3900.00}. When we asked them why it went up that high they told us because we did n't have enough escrow and that our insurance went up. Upon looking at our escrow it looks like we do have money in escrow but they told us they do a different math and we have to know their math to understand it. They could not explain their math to us. They still have not been able to explain the reason our payment is so high and we were asked how much we were able to pay but I have n't paid anymore because we do n't know what it 's going to and they already put one payment for {$2400.00} that we made in an unapplied account. We feel like we are just giving money to them and it 's not going towards anything and we do n't understand what we are paying and we do not get concrete answers and it also takes days to get ahold of them. In XX/XX/XXXX we told them we were having a hard time being timely because at the end of XX/XX/XXXX we had to evacuate due to hurricane Harvey. We spent money, my husband lost time and money from work and we spent extra money getting AC replaced that went down during power surge etc ..they raised our payment by {$500.00} for XX/XX/XXXX anyway then for XX/XX/XXXX and XX/XX/XXXX they raised our payment {$1500.00} higher in addition to our {$2400.00}. We were told that the hurricane relief rules did n't apply to them because they were giving us a commercial loan on our property.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (FL)

I checked my credit report on XXXX XXXX, XXXX and I seen I owed a debt to a collection company for {$1700.00} that started in XXXX, XXXX. I have tried to see where this collection has came from because I was forward XXXX from XXXX XXXX, XXXX all the way until XXXX XXXX, XXXX so this could not have came from me.
Consumer complaint received 2017-11-07
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. (TX)

This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to XXXX XXXX.
Consumer complaint received 2017-11-06
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: EQUIFAX, INC. (IN)

XXXX AND EQUIFAX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX  XXXX XXXX  ACCOUNT NO.XXXX ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NO.XXXX. 

AND XXXX XXXX XXXX NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have contacted the bureau and the company XXXX XXXX on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted the bureau and the company XXXX XXXX on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP (CA)

I have already disputed this account several time before I have never received any documentation showing the time date or place this alleged debt was open. What is the last date of activity on this account ( XXXX ). 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805. You are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against MANDARICH LAW GROUP with the Federal Trade Commission, the Attorney General of both MANDARICH LAW GROUP /CAH LLC state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.
Consumer complaint received 2017-11-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX XXXX XXXX XXXX XXXX constantly threatens to foreclose on my property. B of A owns the second deed of trust on my property and has hired XXXX XXXX XXXX XXXX XXXX. I tried to do a loan modification with B of A but was unsuccessful because they keep moving the loan to different services. I tried unsuccessfully with the past services to do a loan modification. On XXXX/XXXX/XXXX through the XXXX Bankruptcy XXXX case # XXXX, I was XXXX of my debts under Chapter XXXX ( including the second deed of trust ) under section XXXX of title XXXX XXXX Code ( the Bankruptcy XXXX XXXX. On XXXX/XXXX/XXXX, XXXX XXXX XXXX sent me a letter " to help you avoid foreclosure ''. To " avoid foreclosure proceedings '' I must pay {$42000.00} by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a priority Mail XXXX slip from the XXXX from this debt collector. This is just XXXX examples of the many threatening letters I receive from them. At the end of the letters it states, " if you have received a bankruptcy discharge, this letter is for informational purposes only and it is not an attempt to collect a debt ''. The letters are very threatening compared to the other debt XXXX B of A has used in the past.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is a credit card servicer for the XXXX XXXX credit card. Bank of America advertises and promises zero liability for unauthorized charges, however it willingly fails to protect its clients from unscrupulous merchants who overcharge their clients accounts. Bank of America engages in deceptive marketing practices in promoting their credit card products. 

On XXXX/XXXX/XXXX an unscrupulous merchant overcharged our credit card {$480.00} after misleading us with the true cost of their services. 

We were promised and quoted by a XXXX XXXX XXXX XXXX representative on the phone for the rental car a total of {$30.00}. XXXX XXXX XXXX XXXX representative did make material representations as to the total car rental charges including taxes and fees on a recorded line. We returned the rental car in an excellent shape, no tolls, full gas, and no damage. However, the merchant single handedly decided to over charge us by {$450.00} quoting their " final audit '' policy. 

Bank of America, when contacted, failed to reverse the charge claiming their website is unable to accept audio files of a recorded conversation where merchant represented to us that the rental cost would be {$30.00} including all taxes and fees. 
And yet, the bank claims zero liability on their credit card marketing materials. Bank of America fails to protect their clients and purposely designs their site to hinder any such disputes or claims. 

It is our understanding that Bank of America cunningly engages in misleading marketing in promising zero liability. 

I am aware that in XXXX Bank of America was ordered to pay {$20.00} XXXX in civil money penalty to the CFPB and an additional {$720.00} XXXX In Consumer Relief for its Illegal Credit Card misstatements and promotions. http : //www.consumerfinance.gov/newsroom/cfpb-orders-bank-of-america-to-pay-727-million-in-consumer-relief-for-illegal-credit-card-practices/ I would like to kindly request that the CFPB carefully review the initial complaint, pool similar complaints about the misleading marketing practices and order the bank to pay the penalties and reliefs as appropriate.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP (CO)

I have received repeated threats of arrest, and/or seizure from the law firm of Linebarger Goggan Blair & Sampson. The debt, and legal proceeding in question, has been adjudicated over a year ago. The legal proceeding was a civil matter, yet this debt collector had repeatedly threatened and harassed me with vague collection notices, the most recent of which contained a threat that a warrant was issued for my arrest and that I would need to pay the agency in order to rescind the warrant and avoid being arrested by the police at any time. Law enforcement shows no such warrant exists ; furthermore, at the advice of counsel, this matter is not one in which would/could result in arrest regardless ( civil matter ). A quick search online shows this organization is a repeat offender and has used shady tactics to collect debts in the past. Requests to cease communication have been met with hostility and have gone unheeded.
Consumer complaint received 2018-01-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (OH)

I have been contacted multiple times in the last two months by a company that identifies as CBE Group. I have blocked their numbers but they continue to call from different numbers. Today, they called from the number XXXX. I called back and a female-sounding voice answered the phone. I asked, " Who is this? '' She responded " CBE Group. '' I said, " No, who are you? '' She responded, " I am a manager. '' I said, " You will not give me your name then? '' I told her that they have been harassing me for over a month, and I understand my legal rights ; do not call my phone number again. 

I have no debt collection that I am aware of. My credit score is in the " Good '' area, I pay every one of my  bills on time, and the only debt that I have is the debt from XXXX XXXX  that I am not expected to pay until I start work as a XXXX XXXX this XX/XX/XXXX. This is harassment, and I expect this company to be held accountable for it.
Consumer complaint received 2017-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Our home was severely damaged due to Hurricane Harvey. We had up to two feet of water flood into our home. We did not have Flood Insurance as it was not required at our address. FEMA graciously gave us a great sum of money to repair, but it is no where near what we need. Therefore, we have applied for and received a loan from the XXXX to rebuild. However, to continue the line of credit with the XXXX, we are required to get a " Prior Lienholder Agreement '' filled out, signed and returned by our mortgage company. We contacted our mortgage company, Carrington Mortgage Services , LLC, to find out how to send the form. We were given a fax number but no other means of contact. On XXXX XXXX, XXXX, I sent my first fax, requesting the form be filled out and faxed to the XXXX etc. I also requested that I be contacted when the form was received, so I could ensure it was being taken care of. I also let them know that if I received no confirmation, that I would continue to fax the form daily. I was able to verify that the form was sent to a different department within Carrington Mortgage Services , LLC, but again, there was no way for me to speak directly to this department to verify handling. I continued to fax the same letter every 24 hours ( during business days ). After 11 business days, on XXXX XXXX, XXXX, I redrafted my cover letter to again ask for the form to be filled out, contact to verify expedience, and to let them know that after 15 business days I would pursue filing official complaints. On XXXX XXXX, XXXX, I sent my last attempt, a full 16 business days after initial contact. 
Again, I redrafted the cover letter to make sure they were aware of my intentions. As of today, XXXX XXXX, I have not received any contact from Carrington Mortgage Services , LLC, that they have received or are handling the request. I have also verified with the XXXX that they have not received the form. 
It is in Carrington 's best interest to return the form to the XXXX immediately, as it allows us to make necessary repairs to the property. I have attached the three different faxes I have sent to Carrington, and I have copies of all Facsimile Transmittal Receipts if proof is required.
Consumer complaint received 2017-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (TX)

This is not duplicate complaint XXXX XXXX XXXX XXXX has multiple collection accounts on my credit report the following are two accounts that I have no knowledge of who the original creditor is.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (WV)

I was denied a small loan for a used car {$5700.00} because the mortgage holder has not pursued their foreclosure action they said they would be taking. I informed XXXX of 2017 I was not able to redeem the amount owed and they should move forward with foreclosing. The company, Ditech Financial LLC, is falsely reporting I am in a payment agreement with them and this is adversely affecting my credit reporting.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (SC)

XX/XX/XXXX I purchased a car for {$16000.00} as advertised. I put down {$7400.00}. After finance I see that I owe {$38000.00}. On the bill of sale from dealer it says the car was sold to me for {$25000.00}. This hold thing is a scam.
Consumer complaint received 2017-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XXXX XXXX, XXXX at XXXX pm I received an automated email from Bank of America indicating that the balance in my saving 's account was low. I checked my account via online banking and found that two transactions had posted to the account that I was not responsible for : a deposit of {$380.00} into my checking account at an atm, as well as a withdrawal of {$1900.00} from my checking account at a Bank of America location in XXXX. My debit card was not missing/stolen. At the time, I was at home in XXXX, RI. I called Bank of America and the person I spoke to in the check fraud department told me they could n't do anything about the pending {$1900.00} withdrawal because it was still pending, and they told me I should call back. 

Two additional charges later posted ( both balance inquiries at two different atms ), though I believe they occurred on the same day. I called back on XXXX XXXX and the representative agreed that my account had been compromised, froze the checking account, canceled my debit card, and filed a check fraud claim that would take " 60 business days '' to resolve. 

On XXXX XXXX I received a secure message from Bank of America stating that they had denied my claim because my ATM card and PIN were used as identification in making the {$1900.00} withdrawal. I am unable to understand this given that they person interacted with THREE ATMs that day, so of course they had a copy of my debit card and pin number. I immediately called Bank of America and the agent agreed to put the claim up for reconsideration, and assured me that the debit fraud department would look at is as well, given that the debit card was obviously compromised. 

XXXX XXXX XXXX XXXX ) I called back to check on the status of the claim. I was told that an analyst had looked at the claim on the XXXX ( though this was never communicated to me ) and had decided to again deny the claim. 

I 'm unable to comprehend how {$1900.00} of my money was stolen right out of my bank account and my bank refuses to refund what was lost, as is required of them by the FDIC. I have multiple witnesses, including my wife and a friend I was with that day who can confirm that I was at home in XXXX, RI all day.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have already disputed this account several time before I have never received any documentation showing the time date or place this alleged debt was open. What is the last date of activity on this account ( XXXX ). 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805. You are hereby notified to CEASE AND DESIT all further communication with me in  regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against XXXX XXXX GROUP with the Federal Trade Commission, the Attorney General of both XXXX XXXX XXXX XXXX XXXX state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TO WHOM IT MAY CONCERN I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED VIOLATIONS UNDER THE 15 US CODE 1681 AND 15 US CODE 1681B ( FCRA ) the following accounts don't belong to me please investigate these accounts 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 XXXXXXXX THE LAW CLEARLY STATES THE FOLLOWING 15 USC 1681B ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer who relates meaning that if you do not have or have gotten any written instructions this information should not be furnished secondly according to USC 1681 the law clearly states 1 accuracy and fairness credit reporting 2 reasonable producers
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to XXXX XXXX.