davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
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)

XXXX   XXXX  claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court  in  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitte d in Open Court th ey were only responding to a dispute letter. They had sent me no default letter, notic e of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  We have been fighting an illegal foreclosure for over 10 years against Ocwen and  XXXX   XXXX . We are going through an endless nightmare. These companies are the most corrupt criminal enterprises. The physical and emotional abuse they cause is beyond what any human being should ever endure. They are the definition of a true terrorist. Anyone who has dealt with or is dealing with these criminals should be given relief immediately. The lawsuit that the CFPB, state Regulators and Attorney Generals ' have brought against Ocwen will hopefully put the last nail in their coffins. Ocwen and  XXXX   XXXX , both need to be put out of business for good! These illegal foreclosures have destroyed our way of life in this country. Something needs to be done to make all affected whole again.
Consumer complaint received 2017-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bliksum, LLC (OR)

I applied for a personal  XXXX  XXXX  XXXX  around  X/XX/17    beginning with their prequalification application. I was contacted by   XXXX   XXXX   to complete the application. Once I spoke to someone a verified the interest rate/apr I emailed  XXXX   XXXX  stating I will not be moving forward with the loan application at this time. From that point forward I began getting an overwhelming amount of autodialer and human operated phone calls to complete the loan application as well as emails ( multiple calls & emails daily ) from  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I have my phone records and emails for reference if needed to confirm these allegations. Because I was still in need of locating a personal loan I contacted   XXXX   XXXX    via  Chat  messaging to complete the next step in the application and have my credit pulled. I completed and provided everything required as I was pre-qualified. I was later informed by  XXXX   XXXX  that my loan was declined due my  XXXX  bank account bot being open 90 days, I was  2  weeks short of 90 days. I let her know I have an open  XXXX   XXXX  account and that I was currently transitioning from  XXXX   XXXX  to Chase. Immediately once she discovered I was declined she stopped responding to my emails so I had to call her multiple times to get a response. She advised for me to try and apply after  X/XX/17   . My adverse action letter stated I was declined due to serious delinquency, collection filed, revolving ratios & proportions, length of time legal item filed. This is not at all why I was explained I did not qualify. If you have to have an open bank account with direct deposit for 90 days should n't that be part of the pre-qualification prior to pulling someones credit and causing a inquiry and potential decrease in score? I feel  XXXX  needs to re-evaluate their pre-qualification and final approval/decline procedures to be consumer driven so consumer are not under the impression they are approved based on all factors except for a bank account open date. Keep in mind  XXXX  wanted 135 % + in interest/apr and I was able to obtain a personal loan from another lender with rate of 35 %. I have since been receiving emails from  XXXX  from  XXXX   XXXX  to contact her to reapply. How would this make sense If my adverse action letter states I have multiple reasons I was not approved yet the same company wants me to apply for a loan 3 weeks later with understanding I would be approved.
Consumer complaint received 2017-04-26
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: (Former)Shapiro, Swertfeger & Hasty, LLP (PA)

Upon being denied credit from a lender for " too many inquiries '' and later approved. I decided to check all of my bureau reports fo r accuracy (   XXXX ,  XXXX , and   XXXX   ) .The following inquiries were not authorized by me. None of these companies received any identification or authorization from me to pull my credit.     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 2017-04-26
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: EQUIFAX, INC. (TN)

i call the credit burea u  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sectio n 6-11 of the  fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these  XXXX  was in public record, Mississippi Div
Consumer complaint received 2017-04-26
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: Rocket Mortgage, LLC (TX)

I was contacted the morning of  XXXX   XXXX  by a representative for  Quicken Loan s who said he wanted to see if there would be a way to save money on my mortgage that is with the company already. While talking he stated that to know my options he would have to get an updated credit report. I verified my information with the representative but never gave permission to pull credit. Afterwards I received an alert stating that I had a new inquiry on my credit report. I talked with the company and asked that it be removed because I never agreed to it and was told that by verifying my information I was agreeing to a credit pull and that Quicken Loans would not remove the inquiry from my credit report. The representative also pulled my wife 's credit that same day and at no point did my wife speak with anyone at the company.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Trident Asset Management, L.L.C. (NJ)

Trident Asset Management is r eporting a   XXXX    colle ction accounts on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted.  <P/> Account Numbers :  XXXX  and  XXXX   1.  On   XXXX    they are listing the account type as " open '' when it should be a collection.  <P/>  2.  On  XXXX , they are reporting an address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  when that address is no where on their website o r BBB profil e. How can they have different address on each report?   XXXX    shows the address of  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  which is on their website.  <P/>  3.They  never sent me proof they are able to collect this debt, such as a bill of sale, or any letters from the  XXXX  or   XXXX   XXXX   XXXX    saying they can  collect this debt.  <P/>  4.  On  XXXX  they have their name as TridentAsset.com but on   XXXX   they list  Trident Asset Management. How can they have  XXXX  different names on   XXXX   different reports.
Consumer complaint received 2017-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (TX)

I am a legal foreign resident in Texas that opened an checking account with  BBVA Compass i  n 2014,   yesterday without a reason or explanation the bank block my account and requested the bank to close completely my account without providing any reason. I have paid all my products in due time and handled the account in a proper manner. I see this bank is either acting with discrimination to the customers and providing a really bad service and does not provide any reasons and close the products.   My account cancelled wit h BBVA Compass  was  XXXX  in  XXXX   XXXX  Texas, hope you can help because they might be doing this to other customers, a disgrace for the financial system in this country, they did not wanted to provide a written explanation
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Hello, I am writing a complaint, due to your false reporting of information on my credit file. There is a bankruptcy chapter  XXXX  appearing  on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the see the county clerk and had a conversation with a court representative. I asked him, " How is it that Experian or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. So I say to you, how can Experian or a third party information gatherer get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/last 4? You are r eporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you  remove it immediately or face a lawsuit. Here is the bankruptcy in question : 1. US BKPT CT FL FT LAU 2. No plantif ( left blank )
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Accounts Receivable Consultants Inc. (TX)

I have paid agreed the credit collection agency has not lived up to the promised by  XXXX   XXXX  of removing it from my credit report they said they would notify the credit bureaus  XXXX    XXXX   and  XXXX  to have it removed from my credit report they have not done so.
Consumer complaint received 2017-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

This morning on   XXXX   XXXX   XXXX    , at   XXXX   XXXX   i withdrew cash from TD bank on  XXXX  and  XXXX   XXXX   XXXX  in  XXXX , Ny. I gave the money directly to another individual ( for payment pf a sale ) and accompanied him to the  XXXX  bank on  XXXX  and   XXXX   XXXX   XXXX   around  XXXX .   When he deposited the cash into his account at   XXXX   XXXX  , the teller held onto a single  hundred dollar bill  and deemed it " counterfeit ''. They confiscated the {$100.00} bill and gave him a receipt from the  Secret Service  explaining the congiscation. The reason for this complaint is i recieved a counter feit hundred doll ar bill from the teller at TD bank on  XXXX  and  XXXX . When i spoke with the  manager and  explained tge dilemma, he simply stated " this happens sometimes, and there is nothing we can do about it ''.
Consumer complaint received 2017-06-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (NJ)

This complaint is concernin g a 4 year old  medical bill from  XXXX   XXXX    XXXX    XXXX . The bill is for the amount of {$270.00} and it 's been destroying my credit ever since. I only saw the doctor twice, he gave me a the wrong medication, which really did a number on me, and then later on. I find out that this doctor was in fraudulent activities, which includes {$200000.00} in bribe payments in a dubious scheme involving a   XXXX   XXXX   XXXX   XXXX  . I 've tried to talk to them, but the nurses that work there are nasty and just hang up the phone on me. Moreover, then they would call me, they would threaten me and tell me if, I did n't pay the doctor, that there would be some serious consequences.
Consumer complaint received 2017-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I received a medical collection bill in  XXXX  addressed to  XXXX   XXXX , I contacted  XXXX  on  XXXX  and spoke to  XXXX  who advised they need to resubmit the bill as  XXXX   XXXX .   Since then I have received several calls from  XXXX . When I mention the bill needs to be resubmitted they say it was resubmitted, however the bills they send me still say  XXXX   XXXX .   On  XXXX   XXXX ,   XXXX   around  XXXX  I faxed a copy of an E.O.B advising  XXXX  that this bill was paid. Fax was sent to  XXXX ,  XXXX  and  XXXX  On  XXXX   XXXX    XXXX  , around  XXXX  AM my husband spoke to  XXXX  who advised it would take 3 days to processif it had been received.   On  XXXX   XXXX , around  XXXX  my husband called back to confirm receipt, she spoke to  XXXX   XXXX  who advised him to call back on  XXXX
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (SC)

I was contacted by someone on  X/XX/2017    at  XXXX  using a restricted number claiming to be a 3rd party who is filing a motion to prosecute me for a debt. That person called repeatedly from a restricted number until I answered. He told me that he knew my address and to be home tomorrow between specific times to sign for a court document. I asked about the nature of the document and he gave me a name and a number to contact   XXXX   XXXX   XXXX   at phone number  XXXX  with Case number  XXXX  and said to ask for  XXXX   XXXX  the arbitrator. When I called  XXXX   XXXX  she became extremely hostile after I asked what the debt was about. She said there is no way for me to pay the debt without going to court and threatened to call my employer and ruin my credit. She then hung up on me. I called her back repeatedly until she answered and she began shouting threats at me and calling me names. She threatened to put me in jail, call the police on me for calling her back, she said she was going to ruin my credit, and garnish my wages. She called me a " little man in a big mans body '', she called me other stuff too that I ca n't remember because I was trying to calm her down to communicate what this was all about. I attempted to call her back several times and she kept hanging up on me. The whole situation is extremely disturbing.
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NV)

I cancelled my services with XXXX XXXX back in XXXX of XXXX. I paid the final amount of {$130.00} on XXXX. This payment was to clear up any balances owed and I then returned all equipment to a XXXX location nearest to me. Having closed the account back in XXXX XXXX I was dinged on my credit by XXXX XXXX on XXXX XXXX, XXXX, over one year later. No phone call by XXXX to explain the matter or reason for this new charge because once I dropped off the devices the employee told me my account was officially closed. I now have a {$110.00} balance owed to XXXX XXXX, a credit collecting agency, for a balance that I knew nothing about.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IN)

( This happened to me a couple of years ago w ith Citibank Best Buy Visa w hen I lived in  XXXX  and I wound up paying more than I should have to neutralize the matter. ) I have a high balance on this card. It is a  Visa card requiring an annual fee. There is never any notification the month before that the fee is due. Now, around  6 months ago, I decided to stop using this card and simply make payments on it  ( 1 ) because of the high balance and ( 2 ) beca use my routine {$40.00} payments are reduced to 50 % toward the balance anyway. So, for the past 6 months or so, I have not made any purchases and my {$40.00} payments have been consistent. That would mean I have paid approximately {$240.00} and about {$120.00} of that balance should have been available. So, why am I being currently billed 'as of   XX/XX/XXXX ' on an account with a {$1300.00} credit limit {$1400.00}, and why is my minimum payment not {$40.00} but {$190.00} which is due XX/XX/XXXX ?   <P/> I would appreciate CFPB auditing my account to figure this  one out. As I mentioned in opening, this has happened to me before with this credit cardholder service. I have attempted to call Citibank Visa to discuss this on a phone that had very little energy but I had to. But, before I lost the call, the CSR  could not find any thing that suggested I was in arrears except my annual fee. If that is the case, the annual fee balance owing had to be no more than {$10.00}! Quite actually, I should have had enough money available to pay the annual fee. To my knowledge, the annual fee is {$75.00} ; if it has increased, I certainly have not been advised.  <P/> I question " late charges '' on the annual fee. It is " imposed '' and I did not purchase it. Regardless, late charges do n't have to be " {$25.00} late charges ''. Credit card issuers have the option to charge a late fee as minimal as {$1.00}, {$5.00}, {$10.00} and so on. Best Buy  Citibank Visa has consistently charged me {$25.00} late fees. Why? I am not a bad customer of more than 8 years. Furth er, I would like the option to change over to a card that does not require an " annual fee '' with an 8 year credit history.  <P/> In any event, I just moved from  XXXX   XXXX  to  XXXX ,  XXXX . I live in a low-income senior property, and am not in a position to pa y Best Buy Citibank Visa {$190.0 0}. ( While I do not know the rationale, I do believe my finance charges are increased markedly some months and it is a glitch that is ignored. )
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Under the Consumer Financial Protection Bu reau ( CFPB ) new rules , dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent.    Fair Review P rocess : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors those with decision-making power over the loan to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer In our case not matter have many times we have submitted the complete application and all requested documents to the Re- Entry, we are being den ied, by Wells Fargo Mortgage claiming  due to the property negative Net Present Value ( NPV ) evaluation and that we did not provide all the required documents.. When we request a full appraisal and which documents are missing in writing, we are b eing told by Wells Fargo Mortgage employees, We are not in Loan Modification Review  therefore we dont qualify for an appraisal to determine the correct NPV. This is a process the bank has implemented to make sure they can navigate around Dual Tracking Laws to deny a home owner from ever being consider for  a Loan Modifica tion and to unlawfully foreclose on home owners.   More disturbing, the re-entry never respond to us in writing nor even return numerous telephone calls to them.   No Foreclosure Sale Until All Other Alternatives Considered : Meanwhile Servicers must consider and respond to a borrowers application for a loan modification if it arrives at least 37 days before a scheduled foreclosure sale. If the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement.