davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (WI)

I have two home mortgages that were enrolled with XXXX XXXX, under the false advertisement of them collecting and submitting my payments bi-weekly. Our mortgage lendor clearly indicated we would save money by paying biweekly through them. I was unaware that they were not sending payments bi-weekly until this year when I started receiving account statements. I had never received statements until now, only letters stating they were withdrawing the money biweekly. I called them immediately and they claim that my original paperwork stated they were only holding the money and paying it by the due date. 

In my research, I have now found their consent order. I received NO notification about this, and could not register for repayment because I knew nothing of it. I have all paperwork ever sent from them, and there is nothing about the order to refund payment, or a deadline to do so. 

I would like help canceling their 'services ' so I do not have to start a long drawn out battle like I've seen others have had. I would like my fees refunded since inception ( XX/XX/XXXX and XX/XX/XXXX ).
Consumer complaint received 2019-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Got the loan for XXXX around XX/XX/2018 and had pay XXXX a month (automatically debited every two weeks XXXX ) cash central kept closing the accountant with no balance or reporting the balance has over XXXX   and also payment history was not reported correctly on my credit too were I disputed 4x’s for them to fix. They finally reported this month a late payment with an increase of XXXX on my credit. That dropped my credit score almost 150 points. I called the credit company (XXXX) to remove this from my credit and was told I had to ask Cash Central to remove. Needless to say Cash Central haven’t fixed anything, and when I have talked to them numerous times to get an explanation or get a breakdown of were the XXXX a month is being applied ,they haven’t provided anything nor answered my questions. They hung up on me (disconnected from being told once I call back) numerous times as well. So fed up with them taking XXXX a month and miss leading reporting to credit bureaus and balance is never going down just up.
Consumer complaint received 2019-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (NY)

I was contacted by a debt collector named XXXX XXXX from ARA Asset Recovery in XXXX XXXX IL. He said they were trying to collect a credit card debt from XXXX XXXX that was about 15 years old. I made a one time payment to him of {$130.00}. They then sent me two " agreements '' with 2 different amounts due. I did not agree to this but they sent them anyway and kept calling me. These " agreements '' were very confusing and upsetting. I did not enter into any " agreement '' and told them I needed to get more information. I do not owe this debt.
Consumer complaint received 2019-08-22
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: Experian Information Solutions Inc. (MO)

I was made aware of 8 fraudulent student loan accounts on my credit report on XX/XX/2019 by a company called XXXX. I called the company right away and made them aware of the fraud and they refused to listen to me or do anything about it. I asked them to send me proof that it was my debt and they would not. Instead they informed me that they turned the accounts over to a third party collection agency and that they would not discuss them with me and that I needed to call them. I immediately called this third party agency and told them that this debt was not mine and they continuously told me that it was. I began to even break out in tears and demanded how unfair this was and to take the items off of my report immediately. I asked them to send me proof that it was my debt and they said it would take 5-7 business days to get the documents to me via e-mail. After a week I called them back and this time I asked for the manager and him how concerned, upset, and unfair I felt about this debt being on my credit and them still not giving me any type of proof of it or having any urgency to do so. He assured me that he could expedite the process and that he could get me something in three days. After three days nothing came. I continued to call this company day in and day out and almost daily from XX/XX/XXXX to this current day asking them to give me proof of this debt and they still continue to give me the same line about how they are waiting to get the documents from XXXX well into over two months now. There is one same lady that I have spoken with at least a dozen times in this time period that I have been calling them over and over and her name is XXXX XXXX and her number at the company is XXXX. She has nothing to say to me other than that she is waiting to get the documents and sorry to me each time I call.
Consumer complaint received 2019-08-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

I have a VA loan with Ditech who has been misapplying the additional money that I have been paying since they took over my mortgage. I did not initially notice it because I was only paying a small additional amount over the monthly payment. However, over the last 5 months I have been paying over {$1000.00} additional to pay down the Principal of the loan and noticed they were holding the additional money in what they call a UF. It would stay there until I called in each month to tell them that each should be automatically applied to the Principal. When they would reallocate the additional money, they are suppose to apply it to the actual date that it was received, not the date I called in to report it. However, they continue to do this. My VA Loan contract in Section 2 states that any additional money over the payment should automatically go to the Principal of the loan unless there are other charges, e.g., late fee. I have never been late. 

I went through the XXXX to complain and was not satisfied with the response since they still did not abide by my VA Loan contract nor make the corrections. ( I have attached a copy of Ditech 's response to my XXXX   complaint ). Additionally, my Certified Public Accountant performed an audit of my account in response to Ditech 's response which I have sent to the XXXX. 

I understand that the CFPB organization is the one that handles situations with mortgage companies and can investigate reported complaints. I am a XXXX veteran and hope that you can assist in getting this issue resolved.
Consumer complaint received 2019-09-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (AZ)

I WAS STRUGGLING TO PAY MY MORTGAGE AND WANTED TO REFINANCE MY HOUSE SO I CALLED MY MORTGAGE MONEY SOURCE AND THEY TEFERRED ME TO XXXX TO TEFINANCE MY HOSE. I WAS BOUNCED FROM ONE PERSON TO ANOTHER. I WAS NOT UPDATED ON MY STSTUS. I HAD EMAILED AND CALLED XXXX AND THEY DID NOT AS NSWER ME. I WAS TOLD TO SKIP A LAYMENT AND I HAVE IT IN WRITING AND I WAS REPORTED TO MY CREDIT AS LATE PAYMENTS WHICH I WASNT CCX AS BLE TO REFINANCE MY HOUSE AFTER I SPENT MONEY ON FIXING MY HOUSE AND PAYING FOR MY SPPRSISAL FEES. I AM SO UNSATISFIED. CAN I DIVORCE MY MORTGAGE COMPANY? I WAS GIVEN OPTIONS BUT IT WASN'T HELPFUL AT ALL IT WOULD MAKE MY MONTHLY PAYMENTS {$800.00} HIGHER WHICH I WAS ALRESDY STRUGGLING TO MAKE MY MONTHLY PAYMENTS AS IT IS. I SM GOING THROUGH FINANCISL DIFFICULTIES AND I NEED AS BETTER OPTTION. I AM NOW 2 MONTHS BEHIND. ON TOP OF THE AUTOMATIVE SYSTEM XXXX IT TAKES ME 30 MINUTES TO GET TO A PERSON.I NEED A NEW MORTGAGE COMPANY BUT I AM LSTE SO I AM STUCK WITH THEM.
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retail Merchants Associates (LA)

Statement date XXXX/XXXX/XXXX XXXX XXXX - XXXX noted an old debt in collects of $XXXX.XXXX was transferred to a current bill. This bill was paid on until it was recently turned over to collection again at $XXXX.XXXX, XXXX/XXXX/XXXX. They have turned me over to collections twice for the same debt. When Retail Merchants Association,  Inc. was contacted about this by XXXX and XXXX   XXXX, they stated that this was the correct debit and it remained on my credit as unpaid debt.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc. (AZ)

I contacted associated credit service to try to resolve an outstanding balance of {$350.00} when speaking to agent and explaining if they received my insurance coverage letter that i faxed in agent was very rude to and said that they do not care if i faxed any information or not that it is not their fault that i owe this amount and that i should pay asap. while explaining again about my insurance coverage that they initially requested agent said he does not care and that i should contact my insurance or the people i owe money to so i would not be in these situations. i asked to speak to a supervisor agent refused by saying he is a supervisor and can not transfer me to any other person when i threatened to report him to consumer finance agent immediately transferred me to someone else but before he did he said it is my responsibility to pay not to blame someone else name mercado or mercada. Agent as well kept cutting me off when trying to explain.agent i spoke to said he does not know how other agencies handle things but his agency has a different approach at collecting a debt. i feel threaten now specially that they know my address and personal information. and by the way they responded i feel they might use this information misleading.
Consumer complaint received 2019-08-20
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: Experian Information Solutions Inc. (AZ)

XXXX, Experian, and XXXX are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

for the last few weeks i have been attempting to validate that i have a freeze on my Equifax credit bureau accounts.  I have NOT been able to do so at Equifax.  I have been able to do this at XXXX and XXXX.When speaking with Equifax they repeatedly tell you to call a phone number or go to their online site.  I have done both repeatedly.  They always say cannot help me, there is a problem.  The only way i can correct the problem, they tell me, is i have to mail them my drivers license and social security number.  I have been told this by multiple reps and their supervisor.  When I try to follow thier instructions to check my freee online, I fill in all the online information but it ends with a screen that again says there is a problem, i have to call.I have spoken with multiple representatives, spoken with supervisors and when i asked to speak with a manager was told none was available.  None of these people do anything more tha read a prepared script that says there is a problem on my account and  the only way i can resolve it is tht i have to send them my drivers license number and social security number - which i do not wish to do due to my concerns over it's security implications.  Plus, I have had dealings with Equifax long ago so know they have all this information already and have had it for decades or more. My credit accounts have been around for a very long time. I need help with these people without having to expose my critical personal data via mail or fax; data they should already have.  all i'm trying to do is to confirm i have a freeze on my credit accounts (especially, due to the lacks security this company has exhibited).I need to be insured that i can maintain my account's freeze status and i need to know i can get my free credit report without all this extraneous hassle.MOST IMPORTANTLY, I NEED TO BE INSURED THAT MY EQUIFAX DATA HAS NOT BEEN COMPROMISED!I am hoping you can help me get this corrected at Equifax.  Their service levels are poor and I cannot get anyone there to accomplish what i am trying to do.  The role they play in our financial system is too critical to not allow the public to gain access to their own data without having to provide even more critical personal information to do so; especially since Equifax must already have that information.
Consumer complaint received 2019-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

THE MEDICAL DEBT WAS SET UP IN PAYMENT PLANS AND PAYMENT WAS BEING MAID. THEN IS WAS SENT TO A COLLECTION COMPANY. DEBT WAS PAID IN FULL AND ACCOUNT WAS NEVER TO HAVE BEEN REPORTED TO MY CREDIT REPORT BUT YET IT WAS. THIS EFFECTED MY CREDIT WORTHINESS SEVERLY WITH INCORRECT DERAGATORY INFORMATION
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

The allegation for this complaint is as follow:The issues begin since the beginning of the filing of Bankruptcy Chapter XXXX on XX/XX/XXXX.  There were some payments missed and property tax not paid, so BKXXXX was filed to sustained the arrears escrow and some back payments in the amount of $XXXX. During BKXXXX, every effort was made to meet with the BKXXXX payments regulations and sustaining the regular monthly mortgage payment on the account.  But each month the monthly payment would increase without any explanation.  But we continue to make monthly payment as required.   But we don't believe the amount due was justify.  And the bank keep increasing the monthly due to about $XXXX per month. Fast forward 5 years after BK Chapter XXXX was completed and a discharged was granted XX/XX/XXXX.   Monthly payments continued post BKXXXX, up until XX/XX/XXXX.   As of XX/XX/XXXX, OCWEN said we have not made mortgage payment for the past 46 months. OCWEN did not acquired the loan until XX/XX/XXXX. How can they say we are 46 months behind. Original loan was own by XXXX XXXX, sold to XXXX XXXX in XX/XX/XXXX, then the loan got transferred or sold to XXXX XXXX in XX/XX/XXXX, the loan was transferred to OCWEN on 1XX/XX/XXXX. As of XX/XX/XXXX, PHH Mortgage Services and OCWEN joined forces to established mortgage origination and servicing capabilities.  As a result, PHH is now enforcing a foreclosure on my home.  The date of sales: XX/XX/XXXX at XXXX.  The publishing amount of the Notice of Sales is now $XXXX and PHH is now the current loan Servicing company.Both company are doing shady business.  A dispute was filed on OCWEN on XX/XX/XXXX.  But now since the merger with PHH Mortgage Services in XXXX XXXX XXXX, XXXX XXXX, NJ XXXX.  They are once again pursuing with Foreclosure on my home.  In the disclosure, they indicated an escrow arrears of $XXXX not paid.  Enclosed is all of the supporting documents for this claimant.  Both companies, OCWEN and PHH Mortgage Services should be put of business for robbing innocent people like myself, who have worked hard to upkeep the home.  I am pleading for your help in my case.  Please let my case be heard.Thank you.
Consumer complaint received 2019-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (CT)

This company has been collecting $XXXX from my Military pay under the name XXXX XXXX since XXXX XXXX until present and reported to all 3 credit company my account closed. I opened the account in XXXX XXXX and my payments then was $XXXX. Due to my illness and XXXX XXXX the payment was lowered to the $XXXX. This company refused to accept my XXXX letter, continue to take money from my retirement and ruined my credit,
Consumer complaint received 2019-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

After paying our mortgage and escrow for over 1 year, our homeowners insurance policy was up for renewal. Loancare/XXXX was properly informed multiple times by the insurance company, including a warning of cancellation for non payment on XX/XX/2019 with the cancellation/renewal date of XX/XX/2019. Loancare/XXXX has ignored such warnings from the insurance company and our endless phone calls to customer service. The homeowners insurance policy was canceled for non payment on XX/XX/2019. 
Loancare/XXXX  has still not paid our insurance policy and is ignoring any effort of contact. Yet they hold all escrow payments. We are now working on a official complaint with the Texas Department of Savings and Mortgage, as well as to trying to find legal counsel to prepare for a law suit against this embezzling company.
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (IA)

The following collection account and credit inquiries are all fraudulent and not my accounts or credit inquiries: XXXX XXXX XXXX, $XXXX.XXXX, XXXX XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX-Iowa XXXX, XXXX/XXXX/XXXX  and XXXX XXXX/XXXX, XXXX/XXXX/XXXX. I been receiving harassing and threatening phone calls of profane and vulgar language, threats of jail, prison and violence from Credit Collection Service Representatives which is a violation of the Fair Debt Collection Practices Act (FDCPA)under Federal and State law. Credit Collection Service is in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc. (CA)

To whom it may concern, I received a collection notice with the amount of {$2900.00} from a collection company called TOTAL CARD INC saying that they represent XXXX XXXX. With the file number of XXXX. They offered me to pay 9 monthly payment of {$98.00}. However, I used to have a XXXX XXXX account which was paid off on XX/XX/2017 according to my XXXX report. And the account with XXXX XXXX is XXXX. I also checked my credit report that shows my XXXX XXXX education account was paid off already. I had tried calling this company with no person picking up the phone.
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/2019 XXXX Account Hacked BOA Credit Card used for digital software downloads {$490.00} Dispute filed with BOA and XXXX Unable to track where software was downloaded. 
Advised to contact police and file identify theft. 
Identity has been stolen to make an online purchase.
Consumer complaint received 2019-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Machol & Johannes, LLC (WA)

Well it certainly would have been nice to get a response long before now from XXXX XXXX. It would have alleviated a lot of undue stress that I didn't need to have. Received a response finally from XXXX -- I was attempting to tell you that something was amiss on your end. I just got the same info I already knew recited back to me. It always boils down to something I did, not that something may have gone wrong on your end. 
I was never notified that the account was going to charge off. You recite dates like I should have known all of this already. That is something that you say this new attorney got the account on XX/XX/XXXX when I didn't receive the note from XXXX XXXX XXXX until XX/XX/XXXX ( dated ), and I didn't receive the letter from THEM until XX/XX/XXXX ( dated XX/XX/XXXX ). You have to understand how confusing all of this is for an average person, this is not my life ( unlike yours ). It sure would have been nice on your end to clue me in before now. 
Apparently the note from YOUR attorney XXXX XXXX XXXX is not going to be honored. Seems extremely deceptive to me since they are apparently lawyers. They told me the issue was closed. I believed them since they were lawyers YOU hired. Seems deceptive and unfair. Can't believe ANYTHING that comes from your end. You don't honor anything, even letters that come from your OWN lawyer. I was tricked and deceived. 
I have been treated extremely unfair by your company. I am sick of the stress.About the checks you refused, I sent you a copy of the checks front and back in the complaint I sent. Did you not even bother to look at the attachments? So anxious to tell me NO on everything that you didn't read everything? Also sounds unfair. 
Like I said, I have no job, am unable to get a job, and have no money. This attorney you hired deceptively got me into a Payment Plan that I can not do or afford. I want to start paying on this, so since YOU hired them could you PLEASE tell them to stop the payment plan and I would like to set up one with you. Please call off them. I am fearing for my life with them sending me threatening letters and I want them out of my life. Can I please just set up a payment plan with you and could you drop the lawyer? Since I have XXXX income ( and XXXX XXXX has already zapped every XXXX of my savings ) I would like to do {$150.00} or more per month starting XX/XX/2020, and due on the XXXX until it is paid off. Please I can not afford what that lawyer intimidated me into. Please email me back, and please give me a prompter response than this time? Thanks
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: First Data Corporation (NV)

I have A XXXX money network exceeds card which are issued by XXXX XXXX XXXX and maintained by XXXX XXXX XXXX. On XX/XX/XXXX they charged me XXXX, on XX/XX/XXXX they charged me XXXX, and on XX/XX/XXXX they charged me XXXX  for an account maintenance fee which is unusual since I have had the account since XXXX and I have never been charged a maintenance fee. I have screen shots of all my account months to prove that I have never been charged a maintenance fee until XX/XX/XXXX until XX/XX/XXXX and all three amounts are different. The reason for me not having to pay an account maintenance fee was that I had at least a XXXX in direct deposit each month. I called the phone number on the back of the card XXXX XXXX an operator that barely spoke any english answered the call and said: That they do not have access to fix that and yes she sees that I had never been charged it before. So they even admit to screwing up and stealing it but she's sorry she doesn't know how to fix this problem and neither did her alleged supervisor. I would like XXXX XXXX to return my XXXX and stop stealing from me and then when confronted about it stop lying about it and saying they can't do anything about it, which they have done in the past. Sounds like to me XXXX XXXX is up to its old tricks again and needs investigated. I will copy this statement and forward it to the appropriate people like i did last time XXXX XXXX stole my identity to open illegal accounts guess they have not learned lol.