davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, this account has payment protection on it. First, the card had been  attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.
Consumer complaint received 2017-07-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: P&B Capital Group, LLC (TX)

Received 2 phone calls from a lady saying her name is XXXX XXXX and she is an arbitrator with XXXX, XXXX, XXXX XXXX. Later in the call she said she is with P & B capital management. She told me she was hired to collect a debt but listed 3 different debt amounts. I asked her for the original creditor 's information like name and phone number but she co u ld not provide it. I then asked her to send me a debt validation letter and she said she would email it but it was never sent. She told me my case was in prelegal status and the next step was to take me to court. One mon the later she called back still unable to verify debt, she was yellin at me, and saying they have permission to garnish my check and take me to court. She ended the call by saying see you in court. Nothing was verified. Just demanding I pay {$600.00} now without knowing who she is and what sent this is. There is so debt currently for sny cards In my credit profile. Phone number XXXX
Consumer complaint received 2017-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XX/XX/XXXX, Select Portfolio Servicing ( SPS ) inc. based in XXXX XXXX XXXX, Utah took over my mortgage from XXXX. I have three specific complaints against SPS. <P/>( 1 ). During this acquisition, I had a home insurance recovery fund with XXXX. XXXX already paid two installments of the insurance recovery fund and did necessary inspection to pay the 3rd & final installment of the fund ( approx 13K ). <P/>Since the takeover, SPS is giving me run around and as of yet did not release the final installment of my recovery fund. After 9 months of pursuance, SPS finally did an inspection and now saying they have to verify some info with XXXX and froze my fund!! This situation is holding finishing my house work costing me additional living expenses. I am living out of home because I can not complete the restoration work without the insurance recovery money and SPS has already delayed 1 year. SPS is causing me immense hardship and disrupting my personal, social and married life. <P/>( 2. ) During the acquisition, my principal balance with XXXX as of XX/XX/XXXX was $ XXXX whereas SPS is showing $ XXXX as my principal balance. After repeated requests to correct this, SPS is not correcting the amount. I have statement from XXXX showing it was XXXX during the acquisition. <P/>( 3. ) My previous home insurance company dropped me in early XX/XX/XXXX due to hurricane reduction. I got a new home insurance and all documents were sent to SPS via fax and U.S. mail on XX/XX/XXXX. SPS as of today did not pay the premiums to the home insurance company and the new company is about to drop me. <P/>Basically, SPS is playing a foul game and causing me serious financial hardship. My social and married life is at jeopardy for the same reason. I did not choose SPS and I have no role in their acquisition of my mortgage. They are holding my last and final installment and not letting me finish the house work. I am paying my mortgage regularly but I am out of that home for more than 1 year because of SPS.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I opened an account with  XXXX   XXXX   XXXX  in  XX/XX/XXXX .  XXXX   XXXX    XXXX   charged-off and sold this account to  XXXX   XXXX  in  XX/XX/XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX   XXXX  is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX   XXXX  account with  XXXX ,  XXXX , and Transunion.   XXXX  I wrote  XXXX   XXXX   XXXX  in   XX/XX/XXXX  but  have not received a response.
Consumer complaint received 2017-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (VA)

I keep receiving multiple calls a day from the same company, they continue to call and call and call and most times they just hang the phone up. The last person I spoke to said that he did n't care they could call as many times a day as they want to. It has gotten to the point in which it seems they are doing this purposively in an attempt to harass me into paying them to stop calling.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Clarity Services (FL)

Greetings, I never heard of Clarity services not until I was trying to get an approval for furniture that I need for my new house. They are reporting inaccurate report about me to the company I was trying to get credit with. I called them to ask why that my bank account that I have since 8 years is not accurate as they said and they told me that at times it is because of military services which do n't make any sense. They need to remove fro they file because I do n't know who they are and they are being paid to report negative items on individual 's credit profile.
<P/>
Clarity services is a ripoff and they are reporting XXXX report so the same report is reported twice on my credit file. Shame on you.
Consumer complaint received 2017-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc. (GA)

A company called NCC Business Services is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$3900.00} but I have never done business with them and I have never received any letters or notices from them. Why did they not send me a notice of my right to dispute this debt before they reported it to my credit? The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2017-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (OH)

While I was a tenant at XXXX XXXX Apartments in XX/XX/XXXX, water came up through the drain of my kitchen sink and caused damage to the unit below me. I was not in my apartment when the incident took place and I had no knowledge of any plumbing issues that could cause water to come up through my drain. The XXXX XXXX feels as though I am liable for these damages. I disagree and have refused to pay despite multiple attempts to collect by XXXX XXXX. Ultimately I got my attorney involved and he reiterated that I would not be paying the alleged debt until a verdict was rending in favor of the XXXX XXXX proving that I owe the amount at issue. At that time XXXX XXXX indicated they were not intending to file a lawsuit. Instead they were going to going to continue to seek payment and ultimately jeopardize my credit. Earlier this year I was contacted by National Credit Systems , Inc. on behalf of the XXXX XXXX. Again, they were seeking to collect the alleged debt that had previously been dispute with the XXXX XXXX. I explained to the National Credit Systems representative that the amount had been disputed and I would not be paying. Last month, XX/XX/XXXX, National Credit Systems , Inc impacted my credit by reporting the alleged debt to the credit bureaus. Shortly thereafter I received a letter threatening me with a lawsuit and explaining my ability to get credit, favorable interest rates, or a home are now in jeopardy because they have reported the alleged debt to the bureaus. On or about XX/XX/XXXX, I reached out to National Credit Systems , Inc to inquiry how the alleged debt had been validated and what gave them the right to impact my impeccable credit score. I  was told the XXXX XXXX had provide a copy of my rental agreement and an invoice for the repair costs and that was all they needed, as I had failed to provide any documentation to the contrary. I explained that I did not need to provide any additional documentation as my stance is supported by the rental agreement that was provided by XXXX XXXX. I asked where in the rental agreement it stated I was liable for unknown maintenance issues, which I was told my rental agreement states the tenant is liable for all water damages. I can assure you that the rental agreement does hold the tenant liable for all water damages. Rather, section XII ( F ) of the agreement indicates that the tenant as the duty to promptly notify the Landlord of the need for repairs. Since I had no knowledge of the maintenance issue, I had not duty to notify them. Nor could I have.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello, I promise this derogatory mark is n't mine it was the result of my identity being used by some unknown person. I 've never bought or received anything from this company. I never lived at the addresses associated with it. XXXX XXXX XXXX, XXXX XXXX, 2017, {$6700.00} Thank you. Best, XXXX
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, XXXX XXXX
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, XXXX XXXX
Consumer complaint received 2017-07-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XX/XX/XXXX and XX/XX/XXXXCASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXXto help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my deceased Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to refinance the mortgage. The company that I hired lastXX/XX/XXXX also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. In XX/XX/XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX bankruptacy protection not because of the mortgage because I needed to get reorganized. After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.
Consumer complaint received 2018-04-15
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)

There is a company called XXXX XXXX. I have reached out to the bank and they verified that I have not made any late payments or settled for anything that experian should be reporting under a negative area that should be keeping me in a negative area and effecting my life. Experian is guilty and has a history of being difficult and dishonest
Consumer complaint received 2017-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

I have a loan with Flagstar Bank for my mortgage. I did make payment on my property taxes and for my flood insurance for XX/XX/XXXX. I paid {$5300.00} for property taxes. Flagstar paid the taxes at the same time as I did. They are now increasing my monthly payments from {$880.00} to {$1700.00} a month. It is an extraordinary jump. Furthermore, I am a single mom, and I frankly can not afford this. I need to be contacted immediately to see how I can rectify this. This is payment, effective as of XX/XX/XXXX. Please contact Flagstar at XXXX.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

My sons attend college in another city and their mother and I pay their rent by making deposits into their checking account, which they then use to pay their rent. Their bank is Wells Fargo, and the last time I went to deposit a personal check into their account the Teller informed me that I needed to have my son endorse the back of the check. It 's only been one Wells Fargo location that has this endorsement requirement. Through persistence, the Teller agreed to deposit my personal check into my son 's checking account. I called that location to validate and clarify for future reference and they informed me that Wells Fargo is now requiring the back of the check be endorsed by my son. The amount of the check is {$700.00} and is drawn on a local bank. This method has worked well for the past 2 1/2 years. I can search for alternate means of depositing money into their account, but my depositing a personal check into their account has many advantages for me. My questions are what prompted this change or tightening of endorsement requirements and does this violate any banking regulations?
Consumer complaint received 2017-07-05
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: EQUIFAX, INC. (FL)

I recently started paying attention to my credit report since I am in the process of purchasing a home using my VA home loan. I noticed that my credit report had tons of inquiries that I never authorized or gave consent to. I disputed the inquiries with Equifax and the result came back that they were verified consent which is false. I never authorized any of these inquiries and constitute this as fraud. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XXXX XXXX,2017 I made an online balance transfer with USAA for the amount of XXXX I 'm a XXXX Vet with medical documentation. I made an error filing the online balance transfer. I immediately called USAA to cancel the transfer. It was and still is in Pending. USAA informed me they would not cancel the balance transfer. <P/>I 've contacted them on XXXX XXXX,2017. Spoke with Executive Resoultion XXXX XXXX over the phone. Spoke with 8other USAA representatives. I also chatted with four different USAA personnel. All telling me NO. I called six different and chatted online with threeUSAA. I 've been calling everyday since XXXX XXXX,2017 and keep getting denied of the balance transfer. USAA wants to post the transfer so they can accrue the interest rates. I 'm XXXX and can not afford the interest charge of {$150.00}. I called USAA immediately when I realized my mistake
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK (TX)

Dear Hancock & Whitney Bank Officers & Directors : As I received a promotion by email for opening business checking account ( plz see attached files ) earlier this year, I then opened a business account and met the requirements for the bonus. According to the T & Cs for a bonus of the business chkg account, the offer clearly stated 1 bonus is qualified per business per calendar year whereby I have own separate business from anyone else in the household. However, my numerous inquiries to your bank reps for the bonus was continually declined because I was incorrectly told that, either purposely or conveniently, a bonus is only given one per household. Although I pointed out more than once that " one bonus per business '' is clearly stated in the T & Cs for the biz account, certainly not " per household '', my much effort & time spent continually yielded fruitless. Therefore, I hope that my communication to the management team on here at this time will take corrective action and make it right. Thank you and look forward to prompt reply. <P/>Sincerely, XXXX XXXX
Consumer complaint received 2017-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I 've been disputing this alleged debt from Midland Funding LLC, in the amount of {$460.00}, since XXXX thru XXXX. Midland Funding LLC. has violated the FCRA by not providing a contract with my signature on it, in regards to this debt. This account is unverified and immediately needs to be deleted from all my credit files, all but not limited-XXXX, XXXX, XXXX. The business is required to disclose to me all documents that they have recorded and retained in their files to this alleged debt. If Midland Funding LLC.does not have any documentation, they need to retract this from my credit file immediately. In addition, this business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database.
Consumer complaint received 2017-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

Freedom Mortgage double dipped my bank account and took two mortgage payments when only one was authorized. They are stating the burden of proof is on me even though they 've acknowledged the error on their part in multiple recorded conversations on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-07-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (FL)

After accepting my loan and made my first payment, I attempt to track my interest rate on my great plain account by accessing their website, I noticed that the bi-weekly payments went to interest. The charges became excessive and amounted to only fees outside of the agreed upon amount. I borrowed {$500.00} and have paid back over {$900.00}. The company continues to harass me claiming that I owe them an additional {$2200.00}. for a above the amount that I have already paid back for a {$500.00} loan. Prior to receiving the loan I was not allowed to view the full agreement I 've tried to view the loan agreement at the company 's website but they will not allow me to see agreement I can only view the payment history which. I wish to be released from this fraudulent agreement. I can not phantom that an {$500.00} loan will cost {$2000.00} to repay. This is not a fair deal and I 've been scammed. Since I have already paid more than the amount I originally borrowed I would like them to consider my account paid in full and close my account. I would also like them to make ... corrections to my credit report saying the loan was paid satisfactory.