davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
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. (FL)

For the past 6 months, my husband and I have been getting " serious delinquencies '' reported to our credit card companies from the credit reporting agencies which is totally inaccurate and wrong. When we ran our credit reports with AnnualCreditReport.com they show absolutely no delinquencies in our accounts ( as it should be ) and have never been delinquent with any of our accounts in over 21 years. When we contacted all three credit agencies, they told us that their records show no delinquencies and no problems and to contact the credit card companies directly to get it cleared up. But when we call the credit card companies, they tell us that the information they have is being supplied by the credit reporting agencies and there is nothing they can do about it. We have been in a vicious cycle between the two groups and no one has been able to help us. Every month I have been hoping that the information gets cleared up but it is still being reported as delinquent for some reason. Somebody somewhere is reporting this and it is erroneous information that is affecting our credit scores. Please help us get this rectified. The credit card companies are XXXX XXXX XXXX and XXXX.
Consumer complaint received 2018-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I am unable to make any payments outside their business hours. 

Previously I was able to make online payments, but now, their website would not allow to make any online payments as it states in error " no future payments can be made '' I am also unable to make payments over the phone since they are closed after business hours. 

This allowed me to be late on my payment.
Consumer complaint received 2018-04-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

I have paid over {$1500.00} on this illegal USERY INTEREST rate transaction 500 % which is a violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX had advised me that they would settle this transaction for {$1500.00} XXXX However I receive a letter from a XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX, stating that I owe {$5200.00} on this illegal transaction. # XXXX, ( XXXX. 
I am retired and XXXX years old and I do not owe these people anything. 

Please help me ' Thanks XXXX XXXX
Consumer complaint received 2018-04-12
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: CITIBANK, N.A. (MO)

On XX/XX/XXXX, I received an email saying I would be awarded a free gift or taking a survey. I completed the survey, picked a watch as my free gift ( the other free gifts were facial products for women ), and was instructed I had to pay shipping charges of {$6.00}, which I did with my credit card. 
In XXXX I received my credit card invoice with a charge for the shipping and another charge for a watch. The merchant had my credit card information for the shipping charge and two weeks later charged me for the " free '' gift watch.I called the credit card company on XX/XX/XXXX to dispute the charge for the watch, and as instructed, paid the rest of the invoice, including the shipping charge. 
The credit card company says that after checking my dispute they agree with the merchant and that I owe this charge even though in a telephone conversation with their Dispute Department, they admitted this was a scam by the merchant. 
I feel credit cad companies have a responsibility to protect their cardholders from practices like these by predatory companies.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Procollect has continuously violated my consumer rights in more ways than one. I have Attached a Letter from the Apartment Complex stated the Debt is not owed. If the debt is not removed from the 3 Credit Bureaus I am filed a Civil Violation with the XXXX XXXX XXXX as well as my State Attorney Generals office for all Violations which entitles me to {$5000.00} per Violation. This is hereby notice to delete the account within the next 30 Days to avoid legal action. 

I will be suing for the following 1 ) Debt Not Owed 2 ) Defamation of Character & Damages to Credit Report 3 ) Procollect is not bonded is licensed to Collect in the State of Texas.

4 ) I do not have any business or contact with Procollect
Consumer complaint received 2018-04-12
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: EQUIFAX, INC. (MD)

I disputed this item with equifax on or around XX/XX/XXXX. They gave me an expected date for my results for XX/XX/XXXX. I never received any updated emails, as they said I would. I gave equifax a call on XX/XX/XXXX asking for the results of my dispute for XXXX. The young lady I spoke with, stated they have been sending me emails of updates, but I have not received one email from them. She told me that XXXX  has last reported this account on XX/XX/XXXX and it will not be removed until XX/XX/XXXX. She stated if I wanted this account removed, I would have to get in contact with XXXX. I called XXXX  and spoke with XXXX, who told me that account was closed on their end and he doesn't know why equifax can not delete this account. He said there is nothing else he can do about it and it is out of his hands. I have not used this account since XX/XX/XXXX, and it was closed XX/XX/XXXX. I don't understand why equifax lied about emailing me updates. Also, why is equifax saying the company is reporting the account, when the company said they are not.
Consumer complaint received 2016-08-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

For some time now, Midland Funding , LLC has been reporting XXXX accounts to the various consumer credit reporting agencies as past-due or in collection. The XXXX account shows XXXX XXXX as the original creditor, account number XXXX ( partial ) and the other shows XXXX XXXX XXXX ( account XXXX ). 

I have sent several dispute letters to Midland Funding at the address they report on their XXXX and XXXX tradelines, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I have not received any response to my inquiries or disputes. I believe I now know why -- apparently the address they list for themselves in their reports to the credit bureaus is n't even their real address. I recently received my last piece of correspondence stamped " RETURN TO SENDER -- UNDELIVERABLE AS ADDRESSED. '' As of XXXX XXXX, 2016, Midland still shows ( I checked ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX as their address on both their XXXX and XXXX reporting. 

While I 'm not an expert on consumer-protection law, I do know that debt collectors like Midland are required to report and communicate only accurate information, and I would think this includes things like their own address. Further, I think this buttresses my point that if Midland ca n't so much as report their own address correctly to the credit bureaus, the data about individual accounts and debts is likely to be wrong as well. In my particular case, the amount showing as supposedly owed to XXXX XXXX is more than double what the original creditor had showed. I also have no clue what the XXXX XXXX XXXX debt relates to. 

I would like for any response to be in writing only, so there will be record of it.
Consumer complaint received 2018-04-11
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. (OR)

I have a XXXX XXXX XXXX XXXX XXXX collection account on my credit report that has been there for over 24 years that I have tried to get removed no end. My daughter is XXXX  years old I only have XXXX  child and she was stolen from me when she was XXXX. The child support court order was a fake order taken to the child support office to have it enforced and I didn't know it. I had hearings with the child support office to get it removed but they wouldn't without a court order and I couldn't get a court order because there was no original court order to begin with. Its been a nightmare. The credit reporting agencies will not stop or remove the collection on my account after 24 years its ridiculous. Its ruined my life. Having my daughter stolen ruined my life I had a complete mental breakdown that I didn't recover from for 16  years. I deserve a XXXX  break! My daughter was born XX/XX/XXXX, she was emancipated when she was XXXX  years old and she is going to be XXXX this year.

Also listed on my credit reports are the same debt twice just under different names. Once for the original creditor then again for the collection company. I have unbelieveable amounts 40 to be exact of credit inquiries which I didn't authorize many of them are on there from auto loans and payday advances multiple times and credit multiple times. I live on SSI I get {$500.00} I don't apply for credit. My name is misspelled on my reports for the names they have listed and they won't remove it after I disputed it. There are other social security numbers listed on my credit reports and I have absolutely no idea why I am clueless to that. I only have one social security number and I have never used any other number than the one thats mine. The reports show I owe $ 72,000+ but the accounts I do owe don't total that amount so I have no idea where they are getting that figure. I'm so sick of this. Please help me.
Consumer complaint received 2018-04-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX we took out a HELOC from Bank of America for {$140000.00}. Our monthly payment was approx. {$320.00} because it was interest only for 10 years. When we took the loan out, no one from the bank told us it would be called after the 10 year period until we got a letter from the bank saying our payment would now be approx. {$1200.00} starting in XX/XX/XXXX. That payment was simply to much because our first mortgage was already {$2800.00} per month plus the other bills that are paid each month. 

We contacted Bank of America two times to get this loan modified. Once in XX/XX/XXXX and again in XX/XX/XXXX. We sent the necessary paperwork requested by the bank two separate times. XXXX XXXX said that they received the paperwork and would hear back from them on their decision. The bank sent a lettter to us that listed 8 reasons why we did not qualify for a modification. The monthly payment would remain at the approx {$1200.00} p/month. So, we had no choice but to stop paying the HELOC in XX/XX/XXXX. 

A short while later, Bank of America totally ruined our credit and put a lein on our home. They were so hard to work with because they would switch dedicated customer service representatives so you really didnt know what they were doing through the whole process.

This is how Bank of America treats their customers of 25 years.

Many customers have had their HELOC extinguished and we want the same forgiveness of our loan as they received, our credit repaired and the lien on our home lifted. We are senior citizens now and can not meet the banks request to pay the entire loan.

While trying to work with the bank on the modification we did not qualify for, we talked the customer service representative and asked when we would get a decision for modification.

Thats when we were told if you get a large envelope in the mail, its probably good news.

If you get a regular envelope in the mail, its probably not good news. We then received the letter with the 8 reasons why we didnt qualify for a loan modification. 

Please help in this matter to get the loan forgiven and remove the lien from our property at XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TD BANK US HOLDING COMPANY (GA)

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen continues to wrongfully damage my credit score by erroneously reporting to the credit bureaus that I missed a mortgage payment, when I have not. Because Ocwen raised my escrow amount after buying expensive " acceptable '' homeowners insurance when I already had good homeowners insurance ( the subject of a previous complaint still being examined by them ), I chose not to pay the increased escrow amount but did pay the old mortgage amount in full each month. When I disputed the increased escrow amount and chose not to pay it ( more than {$400.00} a month extra! ), they told the credit bureaus I had missed a payment, which I had not. Further, they continue to force a hardship on me by demanding I pay the increased escrow amount while this is in dispute, resulting in a total mortgage amount of more than {$2000.00} rather than the {$1600.00} I had been paying for 10 years. In summary, they have damaged my credit and caused me severe financial hardship by raising my mortgage escrow amount unnecessarily ( I sent evidence of my insurance agent 's correspondence with them in a previous complaint ).
Consumer complaint received 2018-04-23
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Hi Dear CFBP Team, My name is XXXX XXXX. Recently I got affected due to the natural disaster in Florida and you help me getting a plan with Ocwen to pay the amount of {$1900.00} for a period of 6 months ( XX/XX/XXXX XX/XX/XXXX ). I recently sent a payment and Ocwen voided. So I called Ocwen today XX/XX/XXXX ( XXXX / agent XXXX ) and they said that because I was 48 days behind they proceed to cancel the plan and now they are requesting me to pay the 6 months all at once. I asked them why they did not informed me any of this and they said that the plan closed automatically and that they do not inform about this. So, I asked them to reopen the plan they said they can not and that I have to pay 6 regular months to put my house up to date. 
Obviously they are aware of my situation and there is no intention to help me. It is true I was behind few days but I sent the payment and they rejected. 
I really appreciate your help to this matter. 
Kind regards, XXXX XXXX Ocwen Acct # XXXX
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I thought I did not have overdraft protection for my account. Yet I paid three overdraft fees that the bank is refusing to return to me. I had a check clear my account with no money to cover it. Then all my other transactions got denied except 1 which I was charged a few for along with the check. After that all other transactions on my account are denied without posting except one which was paid then returned when money was added to cover the balance and then another fee was charged for returning the transaction that was paid. I want my money back cause I feel my account overdraft was due this banks processing when money isn't Available then charging me for it. Now if it was a non sufficient funds charge I'd feel differently.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are XXXX XXXX Accounts on my credit report, please note the acct numbers - This is Account 1. 


Account Number XXXX 1. This account is Closed and has a CLOSED DATE 2. This account should say " CLOSED '', and not Current in its PAY STATUS 3. This account is missing Pay History 4. This account is missing Balance History 5. Please validate this account, and the PAY/Balance history from its inception - and CLOSE the account
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

Payment has been submitted to our lender via check via the mail. Lender confirmed receipt of check however admitted to holding the check for posting instructions. We have paid via check because the lender has a fee to pay over the phone and the lender has no website to pay online. This lender is difficult when calling to speak with a person everytime. Customer service for this lender is appalling.
Consumer complaint received 2018-04-12
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. (MO)

After multiple attempts and going through the credit bureau, XXXX XXXX continues to report incorrect information about my CLOSED account! The account has been closed for 3+ years!

I refinanced by loan inXX/XX/XXXX. The wire paying my account in full was sent on XX/XX/XXXXand XXXX XXXX closed my loan on XX/XX/XXXX. However, they reported me 30 days late on payment for XX/XX/XXXX the month my account was paid in full and closed.

They have been notified multiple times since XX/XX/XXXX. It get fixed and then it shows back up again. Every time I call they say the disputes I filed are " still in processing ''. Do they get 3 years to process this kind of error??

Additionally, both Experian and XXXX XXXX did electronic verification which clearly was not the appropriate way to resolve this complaint!
Consumer complaint received 2018-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " XXXX XXXX XXXX '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from XXXX started
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Ignite Revenue, Inc. (OH)

The bailiff threw me out of XXXX XXXX XXXX, XXXX, OH XXXX on XX/XX/2015. I lost everthing. I had to stay in hotels. I WAS DISPLACED. THAT MEANS I WAS CONFUSED AND DISORIENTED. 
Since then I have been working on my credit. 
I wish XXXX XXXX would let me pay off Account # XXXX. 
Because i need my credit score to increase to improve my lifestyle. 
Please assist me.
Consumer complaint received 2018-04-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To Whom It May Concern, Over the past few years I have filed numerous complaints with the CFPB, all to no avail. I will continue to file complaints with the CFPB against Select Portfolio Servicing , Inc, hereinafter referred to as SPS, until they stop their wrongful and illegal collection and enforcement activities. Once again, I am being forced to file yet another complaint in additional to another lawsuit. SPS is continually attempting to collect and enforce a debt that no longer exists. Even though the debt no longer exists and hasn't since XX/XX/XXXX, SPS is attempting to foreclose on my property on XX/XX/XXXX. The logic of trying to foreclose on a Deed of Trust that has been eliminated is beyond my comprehension and is outrageous. Despite being aware of this situation, SPS continues with their wrongful, deceptive, and illegal actions. SPS is a " debt collector '' pursuant to the Fair Debt Collection Practices Act, hereinafter referred to as FDCPA, and the California Rosenthal Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. SPS purportedly acquired the mortgage servicing of the debt obligation effective XX/XX/XXXX. At the time of this purported transfer, the debt obligation was contractually due for the XX/XX/XXXX payment. By the plain language of the acts, there is no dispute SPS is a " debt collector ''. There is no dispute that the mortgage debt is a consumer transaction debt that is covered under the FDCPA. Despite telling SPS to stop contacting me in a letter dated XX/XX/XXXX, SPS continues to send me letters and refuse to acknowledge that they are " debt collectors '' without the legal right to attempt to collect. SPS is engaging in acts that are causing substantial harm to me in violation of the Unfair Competition Laws. Immediate action must be taken to stop them from engaging in such unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding the FDCPA and the RFDCPA. SPS is not exempt from abiding by those laws and must be held accountable for their misconduct.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (SC)

On XX/XX/XXXX, I sent a letter to XXXX ( XXXX XXXX XXXX XXXX ) in regards to providing me with information to validate the said account which is reporting on my credit report as {$8000.00}. The problem is the letter that was sent back to me in response to my letter stated I owed {$7100.00} and also shows a different account # than what is reporting on my credit report. The letter from XXXX also states that they verified the charges with their client and based on their research it is correct. How can it be correct when there is a {$940.00} discrepancy among the reporting on the credit report and the letter I received. An itemized statement was also sent stating that my move out date was XX/XX/13 when I moved out in XX/XX/2013 with a 60 day notice. Then on the itemized statement it states {$2200.00} for pre-termination charges but the charges are on there twice. From my understanding anything that is reported on my credit report needs to be accurate and varifiable and right now this account is not accurate nor verifiable.