davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (NJ)

I was in foreclosure after a severe XXXX XXXX  caused me to fall behind in payments. I received a grant from XXXX XXXX the amount of {$48000.00} to get me out of the rears and pay the next 5 months of mortgage payments as I continue to heal and get back to working full time. When the government agency asked Provident Funding for the amount I was in the rears, they paid my rears in full and made my XXXX payment. After Provident received the rears payment and mortgage payment, they reached out to the XXXX and said they had other monies owed from the lawyer and needed to be paid so I do not go back into the rears. I was not informed of this and when the government agency told me, I thought it was odd that my mortgage company never sent me any info on this so I asked them. The Sheriff 's Auction/auctioneer fees were {$4900.00} along with other fees. When I asked the mortgage company about it, they told me that what the lawyer sent. Since this was a little on the high side since it never went to auction, I called the sheriff 's office, my fees charged was {$2400.00}. Now I call the law firm and I 'm told the mortgage company is lying and was never sent a legal bill yet. So Povident called the government agency, demanding more money for a legal bill they never received or paid out with amounts they made up. If this is not illegal I think it should be. This additional money paid out was to go to XXXX and XXXX mortgage payments. I do n't understand how they can give an amount to get current only to come back after being paid to tell a government agency you now owe more to be current and they also sent me a bill to be insured by their insurance company over {$1000.00} for 6 months when they already paid my personal homeowners policy. I no longer trust them, I would have not known I owed any other monies if the government agency did n't call me and the money they took were double what I was being billed by the lawyer ... ...
Consumer complaint received 2016-06-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (NY)

Good Day In checking my credit report with XXXX I noted that Midwest Recovery System is attempting to collect a {$760.00} debt for VIP Cash. I am not familiar with either of these companies and in XXXX I found it to be a payday loan. I did not take out any payday loans and their practice of placing such a debt on my credit report without proper notification is not only improper but false. I am asking for assistance in getting this item removed from my report and their seeking to collect on a debt that is not only illegal in XXXX but that is not mine. Thanks
Consumer complaint received 2017-07-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Three months ago I disputed bankruptcy and lien information that is listed on my credit report, XXXX  listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX I sent Trans Union and XXXX a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX XX/XX/XXXX-XX/XX/XXXX 3.XXXX-XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX-XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Consumer complaint received 2017-07-20
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 — Was not notified of investigation status or results
Company: The CMI Group, Inc. (NJ)

XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit. i contacted XXXX XXXX., the collectors. and the reporting agencies. to date nothing has changed after 6 months
Consumer complaint received 2017-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (CA)

I received a robo call from this company on XX/XX/2017 @ XXXX. It left a voice mail on my phone, stating that if there was a moment of silence I 'd identified myself, for which I did n't because I did n't answer my phone. I get telemarketing calls all day & refuse to answer my phone anymore unless I know who 's calling me. I 'm grateful they did leave a message though. That 's how I got the minimal info that I retrieved. I tried calling this number back before I knew they 'd left a message. It never connected & always disconnected. I never spoke to a rep nor do I have any idea what XXXX XXXX is saying I owe them. I checked my past medical bills & do n't find anything for them. Not really sure who this is & do n't know why CMRE would be calling me to surprise me or try to argue with or threaten me with collection on a bill I am not aware of. I do n't think that 's good business practice. They should 've sent me a letter first. I do n't answer any numbers I do n't recognize especially if they 're XXXX numbers.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX is the name of the company. I sold my house and closed escrow on XX/XX/XXXX. XXXX reported me late as far asXX/XX/XXXX after escrow closed. I was late once at most, not even 30 days late, and they counted it as 2 rolling lates which looks like 4 lates. They have ignored my pleas, calls, letters, and emails. Their company is changing in XXXX to the name XXXX XXXX mortgage and they do n't seem to care. I keep getting the run around, transferred, told to email, then mail, they promised action in 3-5 days, before that 7 business days.I was given an email address that was dead. No responses whatsoever. No response, no letter, no action. I am desperate as I am a XXXX XXXXXXXX trying to get a good home loan out of state. This derogatory information is making it very difficult. I thank you in advance for helping me with this problem.
Consumer complaint received 2016-10-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WI)

This is an amendment to XXXX complaint with additional information. Ditech financial LLC failed to respond in a timely fashion to a request for financial relief. A request for paperwork was submitted in XXXX XXXX and no response was received until XXXX XXXX XXXX. By this time they had already filed for foreclosure. In addition, no assistance was offered whatsoever in avoiding foreclosure. I was nothinking offered a forbearance or any other type of assistance as required by law. On several occasions a pay off letter was requested the latest being on or around XXXX XXXX, XXXX. To this day I have not received this paperwork. I offered a deed in lieu of foreclosure and even this was denied. I mentioned we were attempting to sell the house and was advised I needed a realtor to do so. There is no statutory requirement to hire a realtor to sell a home. One an offer was received and faced to them twice they claimed they never received it. Yet other paperwork including a POA type of order was faxed to the same number and that was received just fine. The offer was not a short sale but enough to payoff the debt. They also increased the interest rate from 2 % to 3 % after default. This practice is absolutely prohibited. In the end and 2 days prior to the auction I again reached out and stated I had an offer that would be closing on the XXXX XXXX, auction was XXXX XXXX, I was advised by XXXX that there was nothing I could do and that the home would be sold in 2 days. She went on to say I should n't have waited until the last minute. When I had been talking to them for well over a month prior. They continue to attempt to collect on a second mortgage even after the foreclosure and even after a prior chapter XXXX bankruptcy. I ask for immediate relief and that Ditech be held accountable for its unethical if not illegal activities.
Consumer complaint received 2017-01-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (UT)

Experian Credit Reporting Agency advertised on-line you could receive your credit report for {$1.00}, then in tiny fine print I did n't see secretly started charging my bank account $ XXXX/month for the past year to monitor my credit -- but NEVER told me that! So I was charged {$370.00} for ABSOLUTELY NO SERVICES WHATSOEVER!! IT 'S A BIG SCAM! When you call them, they do nothing! I had no idea I had a " monitoring service '' on-line. ( did n't want XXXX. ) Experian refuses to refund even a penny.
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for a CitiGold checking account in XXXX 2016 with the promotion code : XXXX. This promo code gives XXXX AA miles when you have XXXX consecutive bill pays and {$1000.00} debit card purchases within 60 days of opening the account. When signing up, I ensured that the code went through into my account on the right-hand side before proceeding to open the account. 
After 60 days, I contacted Citibank regarding the status of my account and when I would receive my miles. They told me I had qualified for the promotion and that the miles would be applied to my account in XXXX 2016. When I logged in again in XXXX and inquired about the miles, they had told me they put a claim through. In XXXX, I heard nothing back from Citibank and inquired again. This time, the representative put through a claim and I received a response back stating that the promotion code was not applied to my account and I did not qualify for the promotion. 
Each time I spoke with a representative, I inquired about downgrading my account, but each representative said that they can not until the promotion value has been added to the account. Because of this, I continued to pay the $ 30 monthly fee for having a CitiGold account. None of the employees would allow me to downgrade the account because I had qualified for the promotion and was advised to keep it opened until everything was settled and cleared. 
I was told by two representatives that the promotion code was on my account and that I had qualified, and told by another representative that they could not see the promotion code and that they are unable to give me the points. If one representative was able to see the promotion code, why were the other representatives unable to see it too? 
It is not XXXX going into XXXX and my XXXX AA Miles have still not been credited into the account.
Consumer complaint received 2017-01-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (IN)

It has been two months that I have been asking for verification, still have an unverified account from MIDLAND FUNDING LLC. I had previously disputed this account. I have never done business with MIDLAND FUNDING LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MIDLAND FUNDING LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDLAND FUNDING LLC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These companies, I have sent Certified Letter 's on XXXX XXXX 2017 for Unauthorized credit Inquiry on my Credit Reports, as well as called and disputed these inquiries. I have never authorized such action and this constitutes as a violation of my rights under the Fair Credit Reporting Act 604, as well as a violation of my privacy. XXXX XXXX Inquires - XXXX XXXX, XXXX XXXX, XXXX, XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX. Transunion- XXXX Inquires - 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 Inquires- 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 XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: FIDELITY CAPITAL HOLDINGS, INC (NM)

I received a phone call @ my place of work from " Fidelity Creditor Service ''. A woman by the name of XXXX informed me that I owe a debt that originated in XXXX from the year XX/XX/XXXX the company 's name is " XXXX XXXX XXXX ''. She claims that it is for {$22000.00}. XXXX proceeded to threaten me with a judgement, attachment of my assets. When i asked why i have not received any invoice or request to pay via mail, she rudely stated " it 's public record..look it up '' and gave me the case #. When I asked how could this debt still be outstanding, again in a rude voice " this debt is renewed every XXXX in the state of XXXX " I told her i do not even live in Ca. and if this debt as you say has my ex-husband 's signature on it, I have not been in contact with him for years. She proceeded to pressure me to provide his contact info to her. 
I told her I need her to mail me this proof of debt. 
After this unsettling claim, I did my research and found numerous complaints about this company as well as a news piece by investigative reporter " XXXX XXXX '' that aired XXXX 2012 : XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2017-07-20
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: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2017 I seen a charge that over drew my account - 2 payments of {$220.00}. I called American Express Bluebird right away after getting that email to let them know this was not a valid charge. That was n't my only time I had to dispute these charges. On many occasions, this company did not contact me to ask me for the proof I had for my dispute. There should be a record of phone calls I have made and spoke with representatives. I have disputed the charges at least a dozen time and then finally they gave back one payment of {$220.00}. On many occasions I have called the company and explained that there is another {$220.00} that is due To my account. I have confirmations from email and fax that shows I have sent them everything they have asked for. Yet they did not look at the information and dismissed my dispute. I have a copy and I can and will send it to you if you like.
Consumer complaint received 2017-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (AP)

American Collection Enterprises Inc. has reported on my credit report that I owe {$240.00}. They state that the original creditor is University of XXXX XXXX XXXX. I contacted University of XXXX  directly and they stated that they have no record of any funds being owed to them by me ( ever ). I have requested ( in writing ) American Collection Enterprises Inc to provide validation of this alleged debt. No response ...
Consumer complaint received 2017-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (AL)

I financed my home in XXXX I have only had one late payment in the past. As of XX/XX/XXXX I am now 51 days late on my mortgage payment. I contacted Citi Mortgage on XXXX XXXX to let them know I would pay them in full on XX/XX/XXXX that I had just gotten back to work. On XX/XX/XXXX they sent some to my home with a letter and gave it to a person I had cleaning my yard. Then my daughter came out of the home and was informed that I needed to contact them or I was going to loose my home. On XXXX XXXX.another person was sent to my home with a letter. And he also talked with my XXXX daughter. I get letters every day about this payment. Wanting me to contact them at XXXX when I call they say that I am being recorded when I say I am recording them they transfer me to anther line and hang up. This is harassment
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My credit reports shows I owe a debt of {$2000.00} ( Account Number # XXXX ) I repeatedly disputed this claim with CAPITAL ONE BANK several times via mail over the past 2 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from CAPITAL ONE BANK debt is belong to me.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (OH)

on my credit report still shows repossession information desipite the account has been paid off and already closed XXXX XXXX,2011. I tried to call them ask them to send detail information to my loan officer. but they said they because files is closed, they ca n't. my loan officer still needs detail information and i d like to see it remove from my credit report or at least show it closed.
Consumer complaint received 2017-07-20
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XX/XX/XXXX, Nissan-Infiniti LT contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, Nissan-Infiniti LT again contacted me via a letter. They stated the lease terms can not be altered for me. IFS must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted Nissan-Infiniti LT via a letter. This letter discussed the reasons for my hardship. I was arrested and taken to jail for resisting arrest. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.
Consumer complaint received 2017-07-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

I am filing a complaint against Ditech Finamcial L.L.C. I had a home fire on XX/XX/XXXX that caused major damage to mobile home forcing me and my family to have to relocate.While waiting for insurance claims and adjustments to be completed. I managed to make a payment on XX/XX/XXXX but not living in home. Insurance agent determined that it was est. of {$25000.00} worth of repair. On XX/XX/XXXX i received a letter of default from ditech and i was also informed to send checks from insurance claim. and have home repaid. Then in return they would issue me a refund after home was repaired. Due to my situation I could not afford my monthly payments at mobile home and have it repaired.