davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Alliance One, Inc. (WA)

Hello, More than a year ago, I had a few expired tabs tickets with XXXX XXXX in Washington XXXX. This debt was sent to Alliance One, who then contacted my employer and garnished my wages. 

I paid the total out of the first pay check I received after they corresponded with my boss and her assistant. {$300.00} was deducted from my paycheck, which was the total I was told that I owed. Today, I received a packet of documents in the mail saying that I had a court day in one month, in a town other than where I live and that I owed Alliance One {$140.00} more dollars. The break down for this amount is a {$12.00} filing fee, XXXX for postage/certified mail costs, {$100.00} for garnishment attorney fees and {$20.00} for other. Do they not have to explain what " other '' is? 

I had not previously received any notice that I owed more money, so the first contact about this amount, was court papers. This seems unfair, to charge me more money again, a year after we have settled and also unfair for them to send me court papers without even contact me first and giving me the chance to clear the situation up. 

I XXXX do not make much money. I have been saving money to go to college and next week is my last week of work. Although to some people, {$140.00} is not much money, to me it is a significant amount of money. i am already stressed about the amount of money I have saved for school and this is an unneeded and inconvenient XXXX that I would have liked to have deal with a year ago. 

Thanks for any help you can offer! 

XXXX XXXX
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed a judgement that is listed on my account. Transunion has signed for receipt of my certified mail dispute on XXXX/XXXX/2016 and Transunion has violated the law by not placing a notice of dispute on my account within 30 days. ( besides not sending me any verification and results of investigation [ maybe its in the mail? ] ) this is a goodwill attempt to solve this issue out of court. If transunion does n't remove the judgement in time I will sue in smalls claims court closest to me. I will demand {$5000.00}
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MI)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AR)

I have repeatedly disputed unauthorized inquiries on my credit reports with Experian, XXXX, and XXXX in regards to inquiries by XXXX, XXXX, and XXXX. I even went so far as to send letters to the companies with the dates of the inquiries and requesting they be removed as I did not authorize them. 
From the credit bureau disputes, all I get over and over is " its factual '' and nothing is done. From the letters, I get the same thing. I have been a victim of Identity theft not once but at least 3 times. I have put security freezes on my ss number and still I have all of these inquiries. Not XXXX of these companies can show me a signature proving I authorized these inquiries and I want them removed. 
I know that there is a civil remedy available to me, however I would really rather them just do the right thing and take the inquiries off of all XXXX reports. I am not in the habit of suing people I just want it fixed. 
Please assist if possible.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MI)

I have pending items on my account, and a {$10.00} check came through and was processed. Even though there are pending items that have n't posted to my account ( meaning that until those actually hit, my account is still not technically overdrawn ) PNC decided that it would still charge an overdraft on the check, charging my account {$36.00} additionally dollars.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (CA)

My loan was sold by XXXX to Caliber. I called in to make arrangements. XXXX/XXXX/15 I made the arrangement with a representative who told me I would be sent a letter to agree to and sign to get the deal going ... .I never recieved a letter to sign, however I did recieve a letter XXXX the wrong dates and amounts I had agreed to. the letter said the money was due on XXXX XXXX or I would be in default and the amount due is incorrect ... .. 
In the meantime my wife is handling all the business of the loan, altho the loan is in my name, I sent a letter of authorization on XXXX XXXX, 2015, They have not uploaded it as of yet and they refuse to speak to my ; wife, I was unavailable to give them verbal authorization and was sure of the fact that I had sent the authorization and they would speak to her. they told me that the letter of authorization was there but has n't been uploaded yet so they wo n't speak to her, allowing us to clear up the situation ... the letter threatens me with default if the money is n't in on XXXX. XXXX, but that was not our agreement ... ... .I will be penalized because of the inefficency of the company that holds my loan.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

Experian is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.
Consumer complaint received 2015-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (GA)

I have had a mortgage with PHH mortgage for a little over a year. Yesterday ( XXXX XXXX ) I received a call from the PHH stating that I had not paid my XXXX payment. As a result I had late fees and potential reporting against my credit bureau record. I insisted that I had paid my XXXX payment in XXXX and asked them to please verify. They did find my payment was received on XXXX XXXX ( 12 days before it was due ) and that it has been misapplied. I have spoken with their customer service and with their collection department and neither has taken the late fee off my account or removed the " overdue '' status from my account. PHH mortgage is not taking the appropriate steps to resolve this situation.
Consumer complaint received 2017-01-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Columbia Recovery Group LLC (WA)

Columbia recovery group have repeatedly reported for over 2yrs a fraudulent account on my and my son 's credit reports. It has been in disput and in some places they did n't report it as disputed and they refuse to seek judgement in this matter or to address a proper investigation to this alleged debt as there is video they refuse to acknowledge and view. They used deceptive tactics to ligitimze the claim. It 's fraudulent and extortion they are practicing.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MILLENIUM HOME MORTGAGE LLC (NY)

We were the potential buyers for a XXXX at XXXX XXXX XXXX. We have been mislead and deceived to believe that we would receive a commitment letter from a specific broker, XXXX XXXX, at NJ 's Millenium Home Mortgage - NMLS ID # XXXX. This led to us breaching our contract due to the time limitation on when we had to receive the commitment letter. On multiple occasions, reassurances were given that the process would be adjusted and the letter would come. Emails document these events. Most notably, the day we were told we would get the letter and that the lender approved our loan, XXXX calls to ask for a credit score. That was the final event that led to this complaint.
Consumer complaint received 2016-10-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (KY)

After I filed a complaint with the Consumer Financial Protection Bureau, ( please reference case number : XXXX XXXX ) Springstone/Lending Club finally agreed that just as with over XXXX of their other mislead customers, they were indeed wrong when they added Finance Charges and Late Fees to my account, and I am pleased that they finally agreed to credit these charges back to my account. 

However, as the attached documentation will show, Springstone/LendingClub 's inappropriate actions during this dispute have resulted in serious damage to my credit report and score!
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio is attempting to foreclose on a home they have no legal rights too. We have asked that they provide copies of the note. They have advised us in writing that the note was destroyed/manipulated. Therefore they are unable to produce it. Our contention is that neither XXXX XXXX ( who also has admitted to know be the lender ) nor XXXX XXXX XXXX posses the note. In additional XXXX accounting is suspect at least. They large principle payment ( over {$100000.00} ) made on the loan never cured the rearrages. It was applied to the principal balance and the loan remained in default.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (KY)

I opened an account with Citibank in XX/XX/XXXX for a {$500.00} promotional offer. On XX/XX/XXXX Citi closed out my checking since my funds were in the savings account without warning or notice. On XX/XX/XXXX I received a letter telling me that everything on my end had been fulfilled for the promotion and I should expect to see payment within two weeks. That payment never happened so I reached out an additional time and Citi re-initiated another research request. I was informed today on XX/XX/2017 that they would not be paying out the bonus even after they told me all of my commitment had been fulfilled. They are saying this is in result to them closing down my checking account.
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (FL)

PHH Mortgage paid the wrong amount for our flood Insurance. The difference in the cost was $ XXXX year. The first time I called the representative lied to me about them getting the same copy of the bill as I got. My insurance provider told me that, " No they got a copy of the same bill. '' After a few phone calls PHH paid the {$17.00}. The {$17.00} was for {$7800.00} in more coverage. Because their paper work is always behind they sent me a bill to make up the {$7800.00} difference with another insurance company called XXXX XXXX XXXX XXXX. Their rate for the {$7800.00} was {$70.00} per year. That is almost 4 times what should have been paid. I found an article on your website dated XXXX 2014 about them getting Kickbacks on Mortgage Insurance. I am concerned that they may be now trying to make money off of Flood Insurance. 
Their Book Keeping is terrible. Their corespondence is also terrible. Their letters have dates that are 5 to 8 days earlier than the post mark date on the envelop. So where did the letter sit for all of those days? Are they making money off their innepness? 
They will only take mortgage payment electronically. Every other payment has to be sent by mail. Then the posting date is again a day or two later. It seems that one department does n't communicate with the others very well. I have been passed from one department to another during a single phone call. Then they argue with the information I got from the other department. They seem to lag behind each other with current information. All this seems to me like they are purposely slow to make a profit off of their customers!
Consumer complaint received 2015-08-05
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (OR)

Our credit was pulled without our authorization. He then pulled someone elses credit thinking it was ours and began to tell us EVERYTHING on their credit. He tried to not give me a copy of my credit report and he tried to lie to us and tell us that we had to use him as a lender. His actions could very well keep us from getting our home. THEN he talked poorly about another lender in town that we decided to use after all of this. Absolutely no class, extremely disrespectful, and completely incompetent. If this causes us to loose our home I will sue.
Consumer complaint received 2024-11-15
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. (NY)

I recently look at a copy of my credit report and noticed several inaccuracies on multiple accounts these accounts are hurting my ability obtain credit. It is my understanding that you will investigate these items for me to assure accuracy. Below are the items Im asking you to verify as accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-01-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I lost my job at the end of XXXX. On XXXX XXXX, we requested a Loan Modification from XXXX XXXX XXXX, filed all the requested paperwork, more that one time, I might add. Delays and more delays and nothing happened. Finally, in XXXX XXXX, we had a meeting in person, with a XXXX Rep. and started another request for XXXX, kept in touch with her for a couple of months, emailed her often to check status, advised her in XXXX XXXX that I had found a good job and we felt confident to resume payments. We stressed very often that we wanted and would do anything to keep our home, just tell us what to do, to no avail. 
Then the loan went to XXXX XXXX, then to Select Portfolio Services, and of course every time, a new XXXX request, more paperwork, and it dragged and dragged. Of course as time goes by, interest and late fees keep accumulating, what was a XXXX balance, got to XXXX, we still wanted our home, but finally in XXXX of XXXX, almost 4 years later, the only thing left for us to do was a Short Sale or Deed in Lieu, really? after 4 years? 
At what point we had control of the time all this show took place? We could n't abandon the house, we could n't make payments because no agreement had been made, we would 've lost that as well. 
Only thing for us to do was to maintain the property, and we did, even though we did n't live in it full time because of our jobs in another town. 
The house was merely to spend 4-6 days a month while being off work, and served as storage for our furniture. My wife and I still live with relatives because our credit is shot and because guidelines wont let us buy a house for 3 to 7 years. 
XXXX XXXX sold the house 2-3 months after we moved out. We lost our home of 8 years, down payment, closing costs, improvements, not to mention the stress and the uncertainty of the outcome, alongside with the credit consequences that now wont let us even attempt to apply for a mortgage anywhere else. 
A deal is a deal. It was very unfortunate that I lost my job and I expected consequences, like missed payments I had to make up for, late fees, penalties, interest, etc ... and we were ready to comply with that, that would 've been easier, but they kept pushing for a Loan Modification, we did n't wanted one after XXXX XXXX, but they always had control and their plan was to build up the debt, make the house go underwater and forced us out, and it worked. We lost our home and ca n't buy another because our credit shows a Deed in Lieu and no mortgage company wants part of us. Guidelines, they say, you have to wait. 
Have n't we lost enough already?
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (FL)

I started with Freedom Debt Relief in 2018. I also was on XXXX every week that year. I only had XXXX in debt and they promised to call the creditors, which they never did. They also said my credit would go up and since 2018 it is still in the high XXXX XXXX, they are misleading and never called my creditors, they then switched me to Consolidation Plus, which is the same company. I have paid them XXXX a month since 2018 and my credit never changed. I have called multiple times because I can't afford to pay them anymore. I lost my job from the pandemic, I can't get a job because of my credit score. This company is the worst, nobody should ever use them.
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

The monthly amount due on my credit card is inconsistent. My monthly statement gives XXXX amount. The online banking alert of credit card payment due ( an email from them ) gives a different amount. I 've contacted them several times to correct this, but the problem still remains. The final straw was this evening when I called again, and politely but pointedly asked for some action to be taken. I was transferred to another department which had already closed for the day. A horrible way to treat a customer.
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stevens Business Service, Inc. (RI)

I called XXXX XXXX to try and make a payment, partial payment, and tried to see if a payment plan can be worked out. At the time I was working XXXX hours a week and had been out of work due to an XXXX, XXXX XXXX sent my debt to collections when I was trying to request a payment plan option. XXXX XXXX Stated it was too late, my account was closed and to pay through collections.
Consumer complaint received 2015-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I have filed disputes with Experian regarding files on my credit report. Items that should be removed. Experian appears to be processing them and not investigating the matter properly. I have sent letters via certified mail demanding an insight in how these investigations were conducted, who was contacted, names, dates, and so forth as allowed under the FCRA. Experian has not responded nor sent information regarding this matter back.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

This complain is against Experian. Why is it that you can not use the United States court documents I sent to you? You did not explain the reason for this but yet you are going to go back the XXXX XXXX who is supplying the erroneous, incorrect, negative and outdated information to verify if the information is correct????? Look I have never had an individual account with XXXX XXXX or XXXX XXXX. I have never applied for an account with XXXX XXXX or any one associated with them. What documentation or what does it take for you to understand this??? My question still has not been answered ; How does XXXX XXXX verification have more authority than the United States courts?
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We HAVE request multiple times for the " description of reinvestigation procedure '' and not only did they not respond within 15 days, experian just completely ignored us. If they actually investigated they would see that it has been 7 ears since our very first payment that was delinquent. EXPERIAN simply wants to keep it on our credit report so they can collect more reporting premiums ... very sad Accounts in question are : 1.XXXX - It is 7 years since the 1st date of deliqeuncy Thank you for your time and i 'm looking forward to getting this resolved. have a great day.