davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC. (AZ)

In XX/XX/XXXX I was approved for a consolidation by Dept. Of Education XXXX XXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX ECMC returned approximately 2300.00 back to XXXX  XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by XXXX XXXX XXXX 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. In XX/XX/XXXX my wages were garnished. I called XXXX and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XX/XX/XXXX the notice was mailed to me and XXXX resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to ECMC to resolve the issue and ECMC has not responded. I contacted XXXX XXXX with XXXX to explain the situation and ask for his assistance in reaching ECMC to resolve because when I call the automated system referred me to XXXX and disconnects. XXXX assured me He would help and suggested I call back Friday XX/XX/XXXX. Instead of assistance from XXXX, they resolved my dispute and on XX/XX/XXXX garnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue XXXX for unfair treatment and unethical collection practices. XXXX 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I had lost my job i n 2014 and was in the middle of a mortgage modification with my mortgage company. I had 50 % equity in my home. In the  XXXX  of 2014 my mortgage was taken over by OCWEN. After two y ears of pure stress produced from foreclosure threats, confusing conversations, correspondents and refused payments, they finally modified my mortgage. During that time they lost documents, made financial mistakes and in the end added {$12000.00} more to my principle.   XXXX  I am now stuck with a mortgage with a deceitful, dishonest company. I know they have been sued over and over for the same reasons. If not for my own persistence and knowledge in the matter, I would have lost my home. I have recently asked them for detailed information regarding the added {$12000.00}. As usual, I received a document that makes no sense and no explanation for the added {$12000.00}.
Consumer complaint received 2015-05-18
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (CA)

XXXX of my Navy Federal Credit Union credit card payments was past due and I was locked out of all account services online and on the app. I was only given a prompt to pay the bill. I paid the bill but was still locked out of all services because it takes several days to process credit card payments. I was unable to see my balance or perform any other actions. I then called Navy Federal and had to verify payment with them to unlock my account. I was only told that this was a normal part of the system. 

I understand why it happened, but the fact that it takes several days to process payment means that the system is impractical and potentially harmful as it is now.
Consumer complaint received 2017-02-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

On XX/XX/2016 I went to the doctor for a XXXX. The doctor XXXX. One of those XXXX caused a bill for {$93.00}. I paid the bill a week after receiving it through mail, on XX/XX/2016. I 'm attaching the check that I sent to the company and that was cashed by the company on XXXX. Surprisingly, since XX/XX/XXXX I 've been reported every single month past due, including XX/XX/XXXX, month which the bill was incurred!!!! I would like the trade line deleted and a confirmation letter from the company that such action has been taken and communicated to all XXXX credit reporting agencies. Thanks.
Consumer complaint received 2017-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cooling & Winter LLC (GA)

The 2016 court ruling on CFPB vs XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) determined that those attorneys violated the FDCPA and were ordered to stop specific violations. Cooling and Winter have established a new law firm in which they continue those illegal litigation practices. I was served a complaint by Cooling and Winter on behalf of XXXX XXXX XXXX for a credit card debt. No attorney was meaningfully involved in preparing or filing my case ( violating 807 ( 3 )  of the FDCPA ). I called the law firm 's contact number XXXX and XXXX and was always routed to a representative or ( if busy ) a voicemail. When a representative answered he would always route me to XXXX XXXX XXXXr, who he claimed was the " agent '' handling my case. XXXX XXXX 's extension always goes straight to his voicemail and he returns your call at a later time. If all representatives were busy when I called then I would be routed to a voicemail box. To no avail I 've repeatedly asked to speak with the attorney handling the lawsuit. The " agent '' handling the lawsuit ( XXXX XXXX ) is a debt collector with XXXX XXXX XXXX, XXXX ( according to his site ). The ratio of attorneys that ACTUALLY PRACTICE with this law firm compared to the number of suits filed would be consistent with a lawsuit mill. I emphasize 'actually practice ' because although they list 7 other GA attorneys at this firm, almost half of them have not filed one case at this firm. In addition, I received a copy of a notarized affidavit that will be used. The person on the affidavit states that they are a " Litigation Support Representative '' and " employed by XXXX XXXX XXXX, XXXX, an affiliate and service provider to XXXX XXXX XXXX ( USA ), N.A. '' In the statement, the representative never admits to having " personal knowledge '' of the account, only having " reviewed the records pertaining to the account. '' Per the court ordered judgement, Cooling and Winter were ordered to restrain from : 10. ( a ) " presenting to a court any affidavit in which an affiant represents, expressly or by implication, having personal knowledge of the validity, truth, or accuracy of the character, amount, or legal status of any Debt, when that is not the case ; '' I sincerely hope that the CFPB will look into the practice of this company and continue to help customers that are violated by their illegal practices. Thank you for your time.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I paid my balance in full to reflect on my credit report through XXXX XXXX XXXX XXXX XXXX XXXX in XXXX original creditor was XXXX XXXX Retail orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. Equifax has already deleted this off of my credit report and I would like to request that Experian and Transunion does the same.
Consumer complaint received 2017-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX Called Synchrony to request cosign verification, but they told me the account had been transferred to a new company. I called that company, and they told me the account had been transferred to a company called XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX ext. XXXX ( Customer Relations ) Per phone call with XXXX on XX/XX/XXXX, they placed order for Credit Application. They will send me the application as soon as they have it XXXX provided me with the following info regarding the line of credit : o Credit Card Account for XXXX XXXX with Synchrony Bank Opened on XX/XX/XXXX Sold to XXXX on XX/XX/XXXX Balance as of XX/XX/XXXX : {$4300.00} XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XX/XX/XXXX Received letter with detailed account history as verification that the balance is correct, but this is not what I requested XX/XX/XXXX Sent letter to XXXX requesting original agreement/credit application/any documentation proving I actually cosigned for this credit card XX/XX/XXXX Received second letter with detailed account history as verification that the balance is correct, but again, this is not what I requested XX/XX/XXXX Called XXXX to request proof of cosign again, but they informed me they transferred the debt and all accompanying info to new firm called XXXX XXXX XXXX Called XXXX XXXX XXXX to request verification of cosign, but they said they do not have that information. All they have is proof of debt. I asked if they can tell me where the original agreement was started and signed ( store location ), but they said they dont have that information either. I told them Id like them to remove my name from the loan since no one can provide proof that I cosigned for it, and they replied saying they, Could make payment arrangements. I told them I wont make payment arrangements for a debt that is not mine. <P/>Todays Date : XX/XX/XXXX Letter Received : XX/XX/XXXX To Whom it May Concern, It is alleged that I cosigned for a credit card account for an individual named XXXX XXXX. I have not spoken to XXXX in years, and when I recently started receiving calls from debt collectors, I attempted to contact him. I have tried to call him, text him, email him, and even contact his mother in order to obtain accurate contact information. However, I have not been able to contact him, so I am hoping you are able to help me. I do not recall cosigning this credit line for him, so I am requesting a copy of the original agreement/contract/etc. with my signature as evidence that I signed. If you are unable to obtain a copy of an agreement with my signature, I am requesting to be removed from this credit line. Please send all mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX You are also welcome to call me with any questions : ( XXXX ) XXXX Respectfully, XXXX XXXX
Consumer complaint received 2017-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have several hard inquiries on my credit report that I did not authorize. I have contacted each creditor that pulled my credit. I was unable to get the inquiries removed. I contacted all XXXX credit bureaus and were unable to get my inquiries removed. The following are inquiries that I DO NOT recognize. <P/>XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX I would like these inquires removed from my credit report promptly. They were not done by me nor auhtorized by me.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (OH)

I am contacting your agency because I need your help in disputing some charges done on my XXXX XXXX XXXX XXXX XXXX credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$6100.00} done on my card by XXXX XXXX XXXX XXXX charged on XXXX/XXXX/2015. They contacted me by an unsolicited telemarketing phone call.The XXXX XXXX XXXX contacted me by an unsolicited phone call according to them they got referred from XXXX XXXX another company that I was working with at the time. They said their work would implement the work that XXXX XXXX was doing for me. Supposedly leads and visitors to website. I never got any results of their work. It was really hard to contact someone .I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I have several hard inquiries on my credit report that I did not authorize. I have contacted each creditor that pulled my credit. I was unable to get the inquiries removed. I contacted all 3 credit bureaus and were unable to get my inquiries removed. The following are inquiries that I DO NOT recognize. <P/>Equifax : XXXX XXXXXX/XX/XXXX XXXX /XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I would like these inquires removed from my credit report promptly. They were not done by me nor auhtorized by me.
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have a scheduled foreclosure sale date scheduled for  XXXX / XXXX / 17 . Ocwen requested documents on  XXXX / XXXX / 17  of an REO schedule which was provided the very next day. On  XXXX / XXXX / 17  when i spoke with  XXXX  with Ocwen, he confirmed that the documents were received and the file was submitted to their Underwriting dept but the sale date was still scheduled for  XXXX / XXXX / 17  and they would request postponement. On  XXXX / XXXX / 17  I spoke with  XXXX  who confirmed that the file was still in Underwriting but that the sale date had not been postponed yet and she requested that i follow up on Monday  XXXX / XXXX / 17  ( today  ) to confirm  that had been completed. Today when i called in they stated that the sale date was going to remain the same because the documents had not been completed 30 days prior to the sale date. This would completely contradict the information that they had been requesting. This is just very unfair. Now i am going to lose my home because of the misinformation.
Consumer complaint received 2016-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (OK)

I co-signed a one year apartment lease for my son for an apartment in XXXX XXXX, OK. The lease was from XXXX XXXX to XXXX XXXX. He renewed and signed a new lease that was not co-signed by me. He changed his mind about the renewal but was told it was too late. This resulted in him still moving out at the end of his XXXX lease which caused him to break the new lease. He is being charged {$860.00} for breaking the lease, clean up, etc. 

The account was turned over to collections and also named me as a responsible party. I spoke to the collection agency informing them that I did not sign a new lease and I was not responsible. They have continued to pursue collection activity and most recently reported this on my credit reports. I have contacted XXXX XXXX XXXX law firm who reviewed the documentation and sent the collection agency a letter on my behalf. The collection agency continues to insist that I owe the debt, which I do not and they have not produced a copy of a renewal lease signed by me.
Consumer complaint received 2017-06-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

XXXX Per your response : According to Ditech records correspondence was mailed to your attention dated XX/XX/XXXX informing you that the servicing of your mortgage loan would be transferred to XXXX XXXX effective XX/XX/XXXX. Specifically Ditech stated that payments would not be accepted from you after XX/XX/XXXX. However, I never received such correspondence. I receive virtually nothing via US mail. Often I do not even clear my roadside mailbox for weeks without a request from the postman. What I would like to know from you is how much NOTICE is required/appropriate to provide a customer before such significant changes are made? Further you responded : Ditech received an email inquiry from you on XX/XX/XXXXstating that you tried to make a payment online and discovered that your account had been closed. Ditech responded to your inquiry on XX/XX/XXXX, explaining again that your account was sold to XXXX XXXX on XX/XX/XXXX. This is indeed true. In this particular month I was experiencing issues with my automatic BillPayer service and planned to pay online. Since I experienced problems I was force to manually send a check. I stated in said email that the account indicated it was closed. Knowing my loan had not been forgiven I merely assumed the site was mess-up. As to any XX/XX/XXXX mailing please see my earlier response. Additionally, I was at my PA home by XX/XX/XXXXthru XX/XX/XXXX and please note that Ditech doesnt claim to have responded to my email, with an email. Or by phone contact for that matter. My check was cashed by Ditech so no further thought was given to your site problem. As for the balance of your reply you are incorrect. Ditech received monthly payments thru XX/XX/XXXX. All except XX/XX/XXXX ( check ) were electrically sent by my BillPayer system and accepted by Ditech, per my provider. With regard to any checks you plan to send, do not send them to me. Send them to XXXX XXXX, the rightful owner. Ive reported this nonsense to the VA in the hopes they will discontinue the use of such flawed providers.
Consumer complaint received 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (VA)

I have sent Trident Asset Management XXXX requests for Validation of debt, which I have the right to do under the FDCPA. They have not replied at all to either of them. This is illegal. 

They are saying on the credit report that they are collecting on an old XXXX account. I believe that this account does not have any balance owed and should have been removed from my credit reports years ago. 

I need this off my credit reports as it is lowering my credit scores.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Currently use my bank account with a third party company called XXXX XXXX. I make withdrawals from them, and then they take the payment from my bank account. Well my bank account does not report my balance to them accurately, which causes a delay in using their services. Every time there is a delay, they lower the amount I can borrow. My bank also takes longer than any other bank I have ever used in order to post transactions. Which causes me to overdraft almost weekly.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Stellar Recovery, Inc. (TX)

I paid a collection account in full in XX/XX/2014. To this day the account is still showing on my credit reports as a seriously delinquent collection account, which has been a down fall to my credit. I would like this account removed from my credit report so I can be in good standing to future creditors.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (WI)

We refinanced our mortgage for a lower rate. We went with a local bank instead of through our previous lender, Flagstar Bank ( MI ). On XXXX/XXXX/16 I made our last mortgage payment over the phone with a Flagstar representative. I received a confirmation e-mail. This past week my husband kept receiving calls from Flagstar Bank stating that the payment was not made due to " insufficient funds ''. My husband has $ XXXX in his account. The Flagstar representative did not take down the correct routing number. Our new lender wired the payoff amount to Flagstar Bank and it was returned since Flagstar stated that I we needed to pay additional fees of : {$340.00} in order to pay off the loan. On XXXX/XXXX/16 I called and paid the additional fees and the mortgage from XX/XX/XXXX. I tried over the phone to get the fees waived with no luck. I want Flagstar Bank to refund me the amount of {$340.00} for their errors. I should not have to pay a late fee for their mistake. Their errors almost demolished our refinance.
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A. (MI)

WE fell behind on our mortage a few years ago. Step forward program helped us save our family home. SInce this program we have been faithfully paying our mortage. I also thought PNC would lower my current 8 plus interest rate. The problem is since this happen I have contacted PNC Bank to get them to remove my loan from the foreclosure level without any luck. I have spoke to managers on several occasions and they keep telling me the same excuse, they cant help me or another manager needs to fix this issue. Meanwhile my credit is still not bouncing back > What more Can I do to improve my credit rating so I can get a lower interest rate from someone else since PNC wont help?