davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion apparently had a security glitch. I contacted them in reference to inquiries on my account that were not mine and they told me I was not affected by the glitch ; even though they never brought it up to me first, I had to tell them I knew about it. They put me on hold to see if I was affected ; which I already knew I was but the agent told me I was n't. I have XXXX inquiries that should be on my transunion, equifax, and experian reports ; no more and no less. I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MN XXXX, ( XXXX ) XXXX has been reporting my account with XXXX XXXX using a fraudulent open date. the last open date was XX/XX/XXXX the last time the account open was XX/XX/XXXX, the account should have been deleted after 7 years ( XXXX ). Each year XXXX uses a new open date, which means someone is using my information to continuely open a new XXXX account in my name. I have tried to file a dispute with Trans Union but their website does n't allow it and I called there XXXX number to file a complaint they took my information but nothing has happened. I have also filed a dispute with XXXX and it has n't been removed my report either.
Consumer complaint received 2016-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I had a judgment placed on me in XXXX of 2012 by XXXX apartment complex for an eviction in the amount of XXXX plus XXXX in court fees. I have been trying to pay this judgment to the apartment complex that placed it as I was advised to do the the judge 's office over this case. The apartment complex added XXXX in additional fees on my account after the judgment was set in place and then sent my account to collections with Hunter Warfield that now has a total of XXXX. I contacted the judges office that granted the judgement and they stated I am only required to pay the judgment amount of XXXX plus XXXX in court fees. And that the apartments do not have the right to add charges after the judgment was placed. All charges due should have been brought to court when we went. I am trying to pay this judgment and they have refused my payment because of the incorrect balance they are reporting on my account. My rights under the FDCPA have been violated. 
( 1 ) Contacting me at my place of employment despite receiving verbal notice from me that I am not allowed to accept such calls at work. After I stated this to the customer rep and provided her with my cell number she called me right back at my place of employment the same day ; FDCPA 15 U.S.C. 1692c states : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT call the consumer 's place of employment if they have been advised that calls can not be accepted at work. 

( 2 ) Using rude and a hostile tone by the manager I was transferred to after requesting a copy of the itemized of the debt in question because the customer rep state she could not provide me with that information, the manager stated he submitted the information to be mailed to me and I still have not received a copy of the itemized statement for these charges on this account that was requested a month ago ; FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Use any profane language or any language that is harassing and abusive FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Engage in any conduct, the natural consequence of which is to harass abuse or oppress. 

( 3 ) Continuing to report to all XXXX credit bureaus an incorrect balance owed of {$4500.00} after I provided a copy of my court judgment for this account stating I actually owe {$1800.00}. 
FDCPA 15 U.S.C. 1692e states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Send false information to the credit bureaus
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I opened checking account with Citibank minimum balance of {$15000.00}. This was in XXXX of XXXX. I opened the account due to a promotion of {$400.00} for opening account with {$15000.00}. I was told I would receive bonus in XXXX of XXXX. My opening balance was specifically chosen to meet this promotion. 

I called multiple times to confirm this and spoke to MSUP XXXX in fall of XXXX. As of XX/XX/XXXX, I have still not received the bonus. I received note that the required balance is now {$25000.00}. This was after multiple phone calls. I think Citibank is engaging in fraud and scamming consumers to open accounts and then never giving bonus.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

OCWEN assigned a XXXX ( in the " specialized cases '' department ) to handle the delinquency matter ; this person has not been available and returned only XXXX of the messages that were left. When further attempts were made, this XXXX had left a voice box greeting notifying callers that they were out of the office for a specified amount of days. When attempts were made to gain information on the account we were told that only that XXXX XXXX could answer questions, no one else in the company would be available to provide any information. The only remedy they proposed was to leave a message with the XXXX supervisor so that a new XXXX could be assigned or leave a message with the assigned XXXX and await their return call. This matter is urgent with severe delinquency and mortgage foreclosure pending yet there appears to be income sufficient to warrant a modification.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

They have reported on my credit report XXXX accounts that are still open and not showing paid. One for XXXX XXXX XXXX and the other for XXXX XXXX Bank. XXXX have been paid, XXXX XXXX in XX/XX/XXXX and XXXX XXXX in XX/XX/XXXX.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

I have been trying for months now to get my credit report because Equifax reports almost everything wrong. There have been deleted items reinserted, XXXX-XXXX accounts from major creditors like XXXX XXXX and XXXX XXXX are n't on my report even though the creditors confirm reporting, and I can no longer dispute collections on my file that have been proven to be in violation of FCRA. I called Equifax about the issue and they are telling me I have to contact some department by mail to update my report address, name, etc. My information has n't changed and on my last report nothing was different so I 'm not seeing why I have to jump through hoops to update a report. I ca n't even access it from their website and the representatives on the phone ca n't pull my report either. Equifax is the worst excuse for a credit reporting agency I have dealt with in my life.
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Atlantic Credit & Finance, Inc. (MO)

I am being garnished for a credit card from 2008, the amount said to be owed is XXXX with fees and such the grand total to be XXXX. However when I called Atlantic Credit and Finance XXXX informed me that I had XXXX accounts that were all paid in full. I have been garnished on this debt for a year. I can not get in contact with anyone that knows what is going on with my account. I do n't understand why I am being garnished for debt that was paid in full.
Consumer complaint received 2015-06-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portolio Recovery Associates LLCThis company, in which I have never been contacted before ( have had the same cell phone number for over 8 years XXXX, had contacted me on my cell phone and stated that I owe a debt to them. 

I asked them to provide all information regarding the debt including : who the original company was, proof of my authorization on all original contracts, how many other collection agencies prior to them that was involved in this debt collection, etc. 

The person on the phone could not answer any of my questions and insisted on stating that I owe them money in the amount of {$700.00} dollars XXXX or similar amount ). And I need to pay.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Account Type Date Opened Credit Limit Balance Reported ByXXXX/XXXX Credit Card XXXX XXXX, 2015 {$9000.00} {$0.00} EquifaxReview your credit report accounts for accuracy. 

This is fraud and identity theft as I never authorized this.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

They called to inform me that an account of mine had been turned over to them. I was unaware of that being done and when I asked for a letter confirming it they said XXXX was sent out in early XXXX. I never received it. They have contacted me XXXX since then and both times I asked for written verification before agreeing to make payment arrangements. Both times they pretty much refused and the XXXX time I was referred to their website to sign in and see it online but I was unable to login at all after trying several times. The last time I was contacted I told them that until I received written verification I would not make payment arrangements, told them it was my right to do so and they were rude saying things like, " How do we know you will get the letter if you have n't gotten the last XXXX? '' assuming that I was lying about not receiving the first communication. No matter how many times I stated my right they still kept trying to get me to setup payments.
Consumer complaint received 2015-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I was contacted by a law office in XX/XX/XXXX/XX/XX/XXXX alleging they were hired by Portfolio Recovery associates to collect a debt they alleged that I owed. I had a lengthy conversation with one of their reps on the phone, whom I actually filed a complaint on, because he threatened me with action he was not able to perform. After getting off the phone with him, I sent a verification of debt request, as awarded to me in my rights. After 3 weeks, I finally received a statement, which showed I owed " Portfolio Recovery Associates '' the money. I have never borrowed money from PRA, therefore they did not send the required and correct documentation. 

A few days later, I spoke with a call center manager within Portfolio Recovery Associates. She thoroughly apologized to me regarding the law office in Louisiana contacting me, and assured that she would have the account pulled from their office so that I would not be contacted by them anymore. She called me in reference to the complaint I submitted to the CFPB. I received a letter in the mail from PRA almost a month later, advising me of a debt I allegedly owed. It was as if the debt was new and they were just getting it back from the law office. 

I mailed them a letter advising that I requested a proof of debt letter from them, and the law office previously and that I had not received anything. Their response to that was to send me another statement, same as the last one, that had their letter head on it, with no mention of who they alleged I owed the debt to. 

I mailed them a response letter back, notifying them that I had never taken money from them, as they were the only company listed on the statement, and they had failed to provide proof of debt. I advised them that per my rights and the FDCPA, they were to immediately remove their reporting from my credit report. 

This all happened well over a year ago. 

I have received no contact from them since that point. I am in the process of selling my home and relocating due to my work. When my relocation company pulled my credit to get me a new mortgage for the new city I will be in, they advised me that PRA was still reflecting on my credit. 

This is extremely negligent business practices and they have no regard for the reporting on consumers credit that they are practicing. In the past, in dealing with them, they have been extremely vindictive and refuse to follow the policies and procedures put forth for collection agencies and I would like this handled. 

I now fear that they will attempt to sue me for these funds, although they have never provided proof of debt to me ( as required ), in response to my complaint I am submitting to you.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Sale of account — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Back in 2005 I was given an XXXX credit card. The total amount available on the card was about {$500.00}, if I 'm not mistaken. Anyway ... after the housing market crash I had been paying my credit card bills on time but evidently the bank decided to close out my account and left me hanging there with about five hundred owed. For years I would get calls from collection companies trying to settle the debt. It never got paid and now I 'm XXXX years old, no job and only have social security as my income. I have no property, no big bank accounts and nothing anyone can slap a lien on. Portfolio has been the main company trying to collect from me for many years now. About two years ago I told them just what I told you folks about my financial situation. They refused to stop contacting me. For many years they have called me almost every single day and sometimes twice a day to the point that I just do n't answer their phone calls any more. At this point I want them to stop contacting me. Enough is enough. Can anyone from CFPB report these folks and their unfair business practices?
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (SC)

Equifax continues to update and report a past due balance of {$2300.00} for a XXXX Account # XXXX that was paid and settled in XXXX XXXX, 2015. ( Copies of letters and cancelled checks are attached ). I have disputed this information with Equifax on numerous occasions. In XXXX they updated the account correctly, then in XXXX 2015 they reported the negative information again. Equifax 's inaccurate reporting is hurting my credit rebuilding efforts significantly and makes it harder for me to secure credit. This information should be updated immediately and not changed again. Equifax is in direct violation of the FCRA. I have given them multiple opportunities to correct and they have not.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (VA)

I have been trying to get Equifax to update my personal information for the past few years so that I 'm able to obtain my credit score. I was married in XX/XX/XXXX and I sent in the updated the information. I requested to get all the FRAUD ALERTS removed and they were just extended till XX/XX/XXXX. I 've sent in my ID, social security card, XXXX and military ID in hopes they would update my credit report to no avail. I 've recently tried to start the dispute process again but it has turned into endless phone calls, faxes and mailed in letters. I would just like this information updated.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

I made application on line for my report, they will not let me see the report, telling me to call them. After 1/2 hour on the phone to them, no one answered. It is sad that personal information lies with those we do not know. Sadder that we can not even find out what is being reported on us, without our permission.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I 'm currently dealing with a situation the mortgage lender, Ocwen. I received a statement dated XXXX XXXX, XXXX from Ocwen whereby there was a fee of {$300.00} charged for what the company says was for a valuation of the property. My son, intervened on my behalf to inquire why was the charge there, and when, if any valuation was done, what was the date? In addition, my son, who I granted authorization to work on my behalf with Ocwen, questioned the company about the valuation, ie. what company performed it and was there a report written, he was told that the information was not available and they could not tell him the actual date of the valuation. Furthermore, on the date XXXX XXXX ) in question when a valuation was supposedly done, I was at my residence and did not notice anyone performing such valuation. The entire conversation with Ocwen, when my son was on the phone with them was vague and not much information was shared. In addition, a request was made to speak to a supervisor to which the response was, " none were available at this time. '' My son asked was there another office that he could contact so that he could get to the bottom of the {$300.00} fee, and again, he was told " no. '' I do not believe this fee is legitimate nor fair since no one from Ocwen can tell me when and why the valuation was done on my property. In addition to the {$300.00} fee, there have been other fees that Ocwen has been charging me in the form of inspections at {$25.00} per, however, I do not have those older statements.
Consumer complaint received 2016-03-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (MS)

My new loan servicer incorrectly applied an entire mortgage payment to principal, failing to give me credit for the normal installment payment. I became aware of this mistake via robo-calls every month asking me to make a payment even though it was automatically drafted on the due date each month since origination.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

Barclay Card case number : XXXX My bank, XXXX  XXXX XXXX sent {$860.00} to Barclays on XX/XX/2022 and it deposited XX/XX/2022. Barclay didn't post this amount to my account. I called my bank and Barclay over 10 times. Barclay resolutioncenter requested a copy of the paid check and they will be posted this amount directly, so I sent an emailof the copy XX/XX/2022. 
The check showed my Barclay account and name address clearly. Anyone can see well. 
After that I called a few more and asked online for posting my payment because the duedate is almost coming. 
But Barclay didn't solve it.
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NY)

I filed bankruptcy in 2009. My bank that held my mortgage at the time was not included in the bankruptcy. I did not the bank to be included. The bank claims that ... due to the fact they did not receive from my attorney a " letter of reaffirmation '' ( that my attorney claims is not mandatory in New York State to protect the consumer ) so they refuse to submit my payments to the credit bureau. I continued every month to pay on time the amount of my mortgage for 5+ years to re-establish my credit. Recently I requested my credit report to find that the bank never reported my payments! I had worked so hard to make these payments. They said they refuse to report the payments to the credit bureau due to the fact they never received this letter of reaffirmation. I was shocked! I now on my credit report have no record of all those years payments and they refuse to submit them to the credit bueau even though they accepted all those payments for 5 years and sent me a " thank you '' letter for servicing my loan when it was sold. 
It was suggested that I sent a record of payments to the credit bureau to prove the payments were not only made but that were in excellent standing. I did that and the credit bureau refuses to put these payments on my report! The records I sent them came directly from the accounting dept of the bank that claims I did not pay them! I also sent the " thank you '' letter from the bank for servicing my loan and a letter from my attorney proving the bank was not included in bankruptcy to the credit bureau and they still refuse to add my payments to my credit report claiming the information means nothing ... only what the bank said matters!! I sent them proof I made the payments! I am at a loss of what to do at this point ... ..They have ruined my credit! My report is ruined and my score is very poor due to this act by the bank and credit bureaus. Any information I can get would be so appreciated for I have to fix this. I am a senior on fixed income and without some credit it is hard to survive ... ..thank you for any help you can provide in this matter ....
Consumer complaint received 2016-02-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Financial Services, LLC (MS)

First, I am a veteran, so there was never a bill for me to pay. The company Healthcare Financial Services ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on no ones authorization put me in collections and on my credit report for bills that I never had. I was about to pay them ion order to get them removed from my credit report, but instead went to the ( XXXX ) and sat down with the director of business office and came to find out that She never even sent them any information or a bill concerning me because there was no bill to send. They also fabricated XXXX other bills that the ( XXXX ) can verify in the total amount of around XXXX dollars. THe hospital ( XXXX XXXX, XXXX ) called them and straightened the matter out, but they ( Health Financial Serv. employee contacts were very rude and laughing about the matter. If i had paid the amounts that were asked for where would the money have gone for a bill that did not exist? They are running a SCAM and need to be totally shut down and I am filing a suit because of the damage that has incurred on my credit report.