davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Central States Recovery, Inc. (KS)

I originally received notice of the debt in XX/XX/XXXX. I contacted them and told them that I felt it was a mistake and I would be contacting the original debtor. The debtor advised there was a mistake with my insurance information and they would contact the collector to close the case. I received a call on XX/XX/XXXX advising I still owed money. They refused to send me anything in writing showing the debt as still valid or giving me a chance to dispute the debt. I asked to speak to a supervisor and they refused. The caller became belligerent and told me she did n't have to provide anything further to me. When I refused to set up a payment schedule with her ( because I wanted to speak to the original debtor and my insurance company ), she hung up on me.
Consumer complaint received 2015-11-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NM)

I have been trying to get a credit report from XXXX for the past few months i have verified all my information over the phone and they keep denying to give me my report. they want me to send my personal information in the mail and i am not comfortable with that i am a victim of identity theft and send my personal information in the mail is ridiculous. I have been denied credit and based off there information and they are not sending me my reports.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (NY)

Someone has created debt through 'paypalcredit '. I paid off that acct. in XXXX of 2013. Since then, I did creat an acct. through XXXX '. Now that someone is using my acct. for transactions, I have paid off the 'XXXX acct.as well. 'Paypalcredit ' is threatening to send the {$1600.00} they say I owe to a third party collections bureau.
Consumer complaint received 2015-04-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MO)

I filed bankruptcy in 2010, I moved put of the a home that had major sewer issues. I filed that home on my bankruptcy and the mortgage company OCWEN never forclosed on the property.They have my name still attached to the title of the home and are aware that I have filed bankruptcy. I asked them when are they going to file for forclosure the said they do n't know. I asked can my name be removed off they title since its on my bankruptcy they said no. They asked for proof that I surrendered the property I asked what number I should fax it to they gave me a number. I called back again to verify the number and they gave me a different number. They never had one set protocol to handle the situation. They then told me to sell the house its the only way to get my name off the title. I explained I do n't own the home. I have no finanical responsibilty to it. They said yes I do. They told me although I have no fianancial reaponsibilty it is still my house.
Consumer complaint received 2015-09-06
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Real Time Group, Inc. (CA)

A XXXX in line debt collector has categorized an installment loan ( originated as Exhibit B -- Unsecured Promissory Note on the last day of closing a XXXX XXXX XXXX ( XXXX ) short sale of real property, XXXX XXXX XXXX, XXXX XXXX CA XXXX, XX/XX/XXXX -- and that exhibit may really not have signatures nor been notarized at that time ) as a current XX/XX/XXXX late pay mortgage on my credit reports. This has caused me to not receive approval for completing a mortgage loan-XXXX and XXXX XXXX, and caused denial for me to rent another home -- due to 'adverse impact ' on my credit check by XXXX XXXX XXXX XXXX in the attempt to rent. I have consulted with an attorney, last week XXXX. I know the debt is old -- however offered an amount, that I was originally told in XX/XX/XXXX, that would be the amount wanted by XXXX -- to this debt collector -- Real Time Resolutions ( RTR ) -- which is really a 'strong-arm enforcer ' of XXXX -- I think. On prior credit reports, the XXXX XXXX debt collector -- XXXX XXXX XXXX, - listed this debt correctly -- as an Installment Loan. Now RTR calls it a 'current late pay mortgage loan. ' I hope these XXXX credit bureaus -- -which I have filed disputes with in XXXX and XX/XX/XXXX -- will correct the category of this debt on their reports. They ( XXXX and XXXX ) denied my disputes and basically have said -- whatever RTR said is the truth -- and that I am the bad, bad person. I want resolution and corrections -- and to be able to move forward with my life. I have docs to attach.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WA)

I submitted a complaint to the CFPB about a month ago, case # : XXXXQuick rundown of that complaint : I had XXXX collection accounts that I 've disputed over XXXX times and Experian refused to acknowledge or even conduct an investigation. I called the debt collector and they told me they requested they be deleted months ago. So I filed a complaint with the CFPB. Through that complaint, Experian agreed to remove those items from my credit report. I confirmed the accounts were removed by ordering a new credit report on XXXX/XXXX/2015. On XXXX/XXXX/2015, I got a credit monitoring notice that the XXXX collections accounts had been re-reported to my Experian Report. Today is XXXX/XXXX/2015 and I did not receive written notification from Experian that the accounts were being re-reported, violating the FCRA yet again. Section 611 5 B ii ; which states : Notice to consumer. 
If any information that has beendeleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agencyshall notify the consumer of the reinsertion in writingnot later than 5 business days after the reinsertion or, ifauthorized by the consumer for that purpose, by any othermeans available to the agency. 

I am getting really frustrated with this company constantly violating my consumer rights. How are they still in business? I 'd like them to be reprimanded and I 'd like this inaccurate information deleted form my credit report and blocked, so it can not come back on.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I traded in a car I had financed through XXXX XXXX and the companyI traded it at paid off the loan. I now have a 30 day late on my credit. 
I have contacted XXXX XXXX and they suggested I get an attorney. 
I have copies of the checks showing when they were mailed and DTheld the checks for XXXX days before depositing them afterXXXX XXXX contacted and asked why they have deposited thepay off check
Consumer complaint received 2015-05-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc. (TX)

i had a loan from texas auto brokersthen they sold the loan to mid atlantic finance companythen i get a call from XXXX that they have my loan, and can not reach mid atlanticso who do i send the next payment to? im kinda sick of gettin the runaround here and just want a definitive answer.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

In the tail end of 2014, I found myself going through some financial difficulties. Recently divorce, a new business that was not even brining even, and clients that were not paying for their services. I was contacted by the servicing company that has my loan, a debt collector called " Green Tree Servicing '' after offering to send a loan modification application in the mail, and telling me that I could pay a bit lower amount than the monthly mortgage, until I got approved, I felt, I was on my way to saving my home from going into foreclosure. I received and application, that was going to determine if I qualified for the H.A.M.P., and after XXXX mailing it, and faxing all those papers, I was told by Green Tree that the could n't find my application. A couple of weeks went by, I re-fax the application and after almost 2 months, received a letter from Green Tree telling me that I did nt qualify because my credit was too low and the house was not my primary residency. 
After finding out that I did not qualify according to GT, I wanted to know what amount I owed, so I could plan to pay to bring my account up to date. Green Tree would come up with so many reasons why they could n't calculate this amount, why their computer system was not work, and how the supervisor or the person in charge of my account, needed to be the XXXX helping me, while encouraging me to wait for an alternative modification, that some of their investors were going to offer me. I was told they had mail the papers, but after asking them to fax them, so a least, I could see them, their offer seem a worst of solution, than, if I paid everything, and went back to my regular payments. They were offering a 40 years mortgage, at 4.00 interest, higher Escrow, higher PMI, and the monthly fee was adjustable just after 1 year. Lastly, I most say, I want to being able to keep my home, bring my account up to date, and have this scammers brought to justice. Green Tree reported me to the credit companies, and told them I was diluting in my mortgage payments, they make it impossible for me to qualify for a loan, so I could only use them, and accept their " offer from XXXX '' Could you guys help me save my home!!?
Consumer complaint received 2015-06-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America is refusing to have an in-person meeting pursuant to XXXX XXXX to which XXXX XXXX is entitled. Additionally, Bank of America has failed to accurate report XXXX XXXX 's payments to the credit reporting agencies. Bank of America has misapplied or failed to applied XXXX XXXX 's monthly payments accurately and is therefore causing XXXX XXXX 's account to be wrongfully in default and has wrongfully initiated a foreclosure when the account is not in defaulted status.
Consumer complaint received 2017-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC (GA)

Hello, I have a complaint with Flagship acceptance, which is a loan company that we have. we have only been in this loan for almost a year. XXXX will be a year, my husband filed chapter XXXX and discharged from it, and I need a car and he went to couple of dealerships and they were all willing to sale him a car but they all wanted to put him in a high interest loan. I was turning in a lease that I was previous driving. so he landed at XXXX XXXX in XXXX Ga. the sales and finance people there told him he was going to have to pay this high interest rate because of his filing. we now have a 20.85 % percent rate that we ca n't trade out of not even with them. they do n't even want their own product back and flagship claims on their website that costumers should n't be more than just a credit score. and that their PAST should n't DICTATE their FUTURE. I just was making a payment on the loan we have and felt taken. we have a car that 's only worth XXXX or XXXX and we owe XXXX dollars where we are only paying pennies to the principal. I 'm just tired of these loan sharks that prey on peoples who are in need. I know this kind of thing happens all the time this is just a form punishment. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2015-05-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performant Financial Corporation (FL)

Performant Recovery called me on behalf of the Florida Department of Education because I was behind on my loans. The lady, XXXX XXXX, told me that for my {$8000.00} student loan balance at 8 % interest, she was offering me the following : - {$100.00} to get started- {$10.00} a month until the loan was paid in full, and- that they would report to the credit agencies that I was paying as agreed. 
I asked several times to make sure that I had correctly understood this too-good-to-be-true scenario. 

Instead, they charged me the initial {$100.00}, plus {$100.00} a month. Further, when I received the contract, it said that the monthly was {$100.00}, that the interest was 18 % and would go to 24 % after the first 10 months, and that they would n't report it to the credit bureau until it was paid in full. 

Going directly to the Florida Dept of Education, I 'm {$58.00} a month for 10 years. Interest charged is at 8 %. They do n't report anything except balance due to the credit bureau. 

Be careful with Performant Recovery and others like them. The situation was n't a misunderstanding ; it was downright deception.
Consumer complaint received 2015-11-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NH)

I kept getting a call from XXXX when I answer it there is no one on the other end. after several continuous calls I called them back and found out it was ERC a debt collector. I asked them what debt they were trying to collect and they did not find any debts to be owed with my name, SSN or phone number. They removed my number 3 times over the past month and yet I still get calls. The most recent from a new number XXXX. There is no debt to be collected associated with me or my number and yet I get called every week sometimes twice a week. I am sure this is happening with other people too and it is very annoying.
Consumer complaint received 2015-06-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Klima, Peters & Daly, P.A. (MD)

Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. XXXX XXXX XXXX.
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (CT)

I have been charged late fees XXXX times recently by Chase, ( XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 ) even though I have paid the due amounts ; will upload records of payments, but have shared with them too. 
I wrote them to ask to reverse the fees, but they reverted only a XXXX XXXX, for payment made due XXXX/XXXX/15, because my checking account online record ( from XXXX ) shows the payment was indeed completed on XXXX/XXXX/15. 
Yet a XXXX late fee was applied even though I paid the regular due amount before the due date XXXX/XXXX/15 ( I attach if possible to upload all records and correspondence ). 
A new XXXX late fee was applied now on XXXX/XXXX/15, even though, again, I paid the due amount, even including their artificially increased amount of {$100.00} : {$53.00} ( delivered on XXXX/XXXX/2015 ) and then {$50.00} ( delivered on XXXX/XXXX/2015 ). 
I understand Chase desire to increase revenues by applying late fees, but in my case these were not justified : payments were submitted to reach them on or before the due dates, and they did. 

On the other hand, I have asked my checking account bank, XXXX XXXX Bank, why it takes even 5 days sometimes for an electronic payment to travel from them to another bank for which there is already an established payment route.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (KY)

I normally have my pay check deposited onto my rushcard every two weeks. This week when I checked the money had been loaded onto a card that i havent used in years. When I contacted customer service i was told there system is down and they were working on this. I have called 4 or 5 times. I have been hung up on and put on hold.Today i was on hold for 2 hours. I have no access to my paycheck at all. I feel this problem should have been resolved over a week ago. They have no plans on reimbursing me for late charges I 'm going to recieve for payments I am unable to make. I just want my money.
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I had to resubmit my mortgage loan modification paperwork. 
I was approved for the modification and received the trialagreement on XXXX/XXXX/2015 and was notified my XXXX paymentwas due on XXXX/XXXX/2015. I called and asked why the shortnotice and was told if I ca n't make the payment by theXXXX then they will note I will not move forward with theplan. The agent 's supervisor then proceeded to tell me when the last timeI made a payment and that I need to make the payment onthe XXXX. I had to escalate the matter for someone to requesta later start date. Although, it may not be approved, it waswithin my rights to request XXXX since it was less than30 days notice.
Consumer complaint received 2015-06-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MI)

After the death of my brother, his bank CD account, list my name as the beneficiary ( In Trust For ). I went to the bank, with the original form and a current notice " CD Maturity and Automatic Renewal Notice " where my name is listed as " ITF ( my name ) ". Chase ( JP Morgan Chase Bank , N.A . ) will not Honor my claim. I 've been working with them since XXXX 2015. They want to flip it to an estate account. But this account has a beneficiary, so it 's NOT an estate item.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX. My complaint is about the property located at XXXX XXXX XXXX XXXX. Loan # XXXX XXXX XXXX. I have made 4 payments to Wells Fargo Home Mortgage. One payment was on : XXXX/XXXX/XXXX for {$860.00} and a second payment was made on XXXX/XXXX/XXXX for {$860.00} another payment made on XXXX/XXXX/XXXX and another payment made on XXXX/XXXX/XXXX .Wells Fargo Home Mortgage has received and deposited all payments but they will not credit the payments to the loan. I have called Wells Fargo Home Mortgage several times and each time they say they are working on applying these payments to my loan. I am not behind on any mortgage payments. Wells Fargo Home Mortgage has sent me a letter stating " Notice Of Intent to Foreclose ". Again I am no payments behind and I have a record of Wells Fargo Home Mortgage receiving payments from my Wells Fargo checking account. I feel Wells Fargo Home Mortgage is attempting to place stress on me and take advantage of me as a senior citizen and foreclose on my property that I have had over 20 years. I feel Wells Fargo is violating XXXX XXXX property rights with deceptive practices with seniors and their home. CFPB your help is very much needed. Wells Fargo Home Mortgage last year stole over {$9300.00} of money from me and my husband stating we owed in Corp Advance Fees. We I asked them to itemized in detail what the Corp Advance Fee of {$9300.00} was for Wells Fargo Home Mortgage refused to give a clear itemized disclosure as if senior citizens are secondary people. I am senior citizen and do n't want to get ripped off again this year from Wells Fargo Home Mortgage. 

Thank you, XXXX XXXX