davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Access Financial LLC (NM)

XXXX, a representative of Pocket Fund, contacted XXXX women from XXXX, stating he was calling them as I had listed them as references. XXXX disclosed the company name as well as went as far as stating he was affiliated with a loan company and the reasoning for the call was because they had not been able to reach me in regards to my delinquent account. 

At the time of obtaining this online payday loan, the only required provided information was my employer information, as well as residential, & banking account information. The XXXX women whom were contacted, I have no affiliation with. They live in XXXX, as I am in XXXX. XXXX of the women that were called, contacted my via Social Media to go as far as asking me why I took out a loan that I am not paying and listing her and her sister as references when we do not know each other. 

I had to apologize to this young lady for inconvenience, but I can assure you, it is rather embarrassing to have your private financial obligation to be discussed with a complete stranger. Mind you, my account is 18 days delinquent! When I contact XXXX he stated he did nothing wrong. To my knowledge, I thought the creditor was not to disclose even the company name, but rather inform the reference, or whomever if not the customer or consumer, that they are simply calling in regards to a personal business matter and are not authorized to release any other information BUT THAT! Still, XXXX insisted he did nothing wrong and asked how I wanted to pay my account today. He proceeded to tell me that if I did not pay that would lead to wage garnishment and I needed to take care of my past due balance.
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have been advised by the Office of the Comptroller of the Currency that they sent my complaint to you. Case # XXXX / Bank of America. I 'm checking to make sure you received it, because there is more to add to it. 
Thank you, XXXX XXXX
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CO)

i am filing this complaint to report a false statement from XXXX XXXX XXXX, a collection agency from florida i just found it out when i checked my credit report from experian 3 weeks ago .At my biggest surprise i saw this debt collection of XXXX reported on XX/XX/XXXX and XX/XX/XXXX to the three credit bureau which state that i have an account that was open on XX/XX/XXXX with enhanced recovery Compan located at XXXX XXXX XXXX XXXX florida XXXX. Firstable this is a false statement, i have never opened an account or never did business with this company. but that was reported to the three credit bureau that i open that account with them since XX/XX/XXXX with  XXXX  and XXXX and on XX/XX/XXXX it was report to XXXX that is a lie. Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the three credit bureau. According to the Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the 3 credit bureau. but XXXX XXXX  XXXX XXXX XXXX did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from  immediately from my credit report I sent them a letter to prove me that they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond up to day, i am still waiting. also i ask them to sent me a complement payment history starting with the original creditor they never respond, i request immediate deletion of this account from my credit report with the three credit bureau or i will have to sue them for the amount of XXXX for violated my rights and the law
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (SC)

I previously disputed this account with Hunter Warfield , Inc . I provided them the information they required and they failed to reply back to my complaint. It has almost been 30 business days since this has happened, so I recommend either showing me what you 've come up with or removing it from my credit report.
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I owned a home that Litton Loan was the mortgager in XXXX when I settled the debt. Ocwen Loan Servicing who bought Litton Loan has been reporting that I had a loan with them that was settled in XXXX and was 120 days past due at that time. This is an excerpt from my XXXX Credit Report... 
XXXX Account name OCWEN LOAN SERVICING XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Mortgage Terms 30 Years On record until XXXX XXXX Recent balance Not reported Credit limit or origi- nal amount {$120000.00} High balance $ 0 Monthly payment Date opened XXXX Date of status XXXX First reported XXXX Responsibility Individual Status Paid in settlement. 
Comment Account paid in full for less than full balance ________________________________ I have dispute the validity of this reporting with the credit bureau but they have said it was verified as correct by Ocwen. I have been calling and corresponding with Ocwen for the last several months, requesting that the provide documentation via original loan documents, settlement statement, payment history, etc. However, when I call they are unable to verify that I or this loan exists in their records. I have provided per their request full name of borrower ( myself ), property address, original loan number ( Litton Loan ), social security number and my current contact information, as well as a copy my credit report showing their reporting. I have provided this via phone, US mail and email yet they insist there is no record of me or this loan.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Got the email about the XXXX data breach. Have been getting emails about my credit score decreasing from XXXX ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do. 

Waited for some of the dust to settle after the data breach announcement, tried to check my report with transunion. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ). 

It has been less than a year since my last credit report at XXXX, and I hoped that XXXX had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests. 

I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

Contacted Credit Collection Services about a debt that they posted on my credit report. 

They company listed was XXXX XXXX XXXX. This dispute was for {$220.00} with a date of XX/XX/XXXX. 

We contacted by certified mail Credit Collection Services on XX/XX/XXXX asking for validation of debt. ( Verified delivery on XX/XX/XXXX, at XXXX ) As of XX/XX/XXXX we have not received and communication from Credit Collection Services XXXX 

We request that this be removed from credit report because of no credit validation.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX I paid my Macy American Express bill at the Macy store in XXXX New Jersey for {$650.00} with a check. On XXXX XXXX th Macy/Amex went into my bank account and took another XXXX out of my bank account for XXXX which I received. I discovered this on XXXX XXXX. I called the company and they had no record of the XXXX XXXX transaction. I was advised to send all the information from my bank showing their mistake which I did. Since that time after about XXXX or more calls too Macy/Amex customer service this issue is still not resolved. On XXXX XXXX I spoke with a manager who stated he would be able to credit my bank account for XXXX but my account would go into dispute for the XXXX which I paid but would resolve itself and be credited back to my account within 3 to 5 days. It is now 12 days and I my account is still in dispute for the original {$650.00} which I paid to my account. No one at Macy/Amex can get this problem resolved.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with XXXX and must pay this fee, this breach could generate a potential revenue " wind fall '' for XXXX. Additionally, XXXX and TransUnion could similarly profit. XXXX, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Attempted to get a free credit report for me and my wife from Transunion. Not realizing that the proper channel was through XXXX, I signed onto the Transunion web-site. Their system is extremely deceptive in that they do not notify you that you are signing-up for a monthly subscription service at the rate of {$19.00} per month per individual. When I received emails confirming the subscription and the rate, I called Transunion to complain. The agent I spoke with indicated that they would cancel the subscription and issue a credit for both my wife and I. I was notified by email that the subscription would be cancelled effective XXXX/XXXX/XXXX but we have not received a credit to our XXXX account. Bottom line is that my wife and I were both deceptively charged {$19.00} for a subscription which we never wanted, spent many minutes on the phone trying to sort this out and in the end, they failed to issue credits as they said they would on the telephone.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (MI)

Macy 's has repeatedly asked me to pay money to them that I do not owe them. I paid off my Macy 's credit card in full and they continue to add on fees to my {$0.00} balance. I had the account closed, and even after this, Macy 's claimed there was interest due on a residual amount. So I paid this amount. Then Macy 's continued adding fees onto a {$0.00} balance. This has continued for two years. They repeatedly call my parents to harass them over this " debt '' even though I have repeatedly informed them that I do not live with my parents. I have no account open with Macy 's, I have not bought anything with the card I previously had, and Macy 's continues to add on fees to a non-existent balance on a non-existent account. I have spoken with Macy 's numerous times and told them I want any account I have with them closed, and they told me my account was closed.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

Issues regarding Citibank credit card and autopay as they continue to withdraw money every month out of my checking account to an unknown account they can not locate. Initially they told me I can not remove my name from account as an authorized user and Since I was an authorized user, they are unable to assist me in finding or removing this auto pay. Money continues to come out of my checking to date. I am going to have to close my long standing checking account to fix this mess of unauthorized charges
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (FL)

There was a hard pull ( inquiry ) made by CBNA ( Citibank national association ). I do not have an account with this company nor did I give them permission to pull my credit report as well. This event has unfortunately caused a drop in my credit score and I would like this hard inquiry removed from credit report as soon as possible. Thank you.
Consumer complaint received 2016-01-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HALLMARK HOME MORTGAGE LLC (IN)

I purchased my home in XXXX XXXX and XXXX went into my escrow to pay property taxes for XXXX. {$3100.00} was paid out which threw my escrow into a negative of XXXX which I am being held accountable for. The correct amount of property taxes was not factored into my loan accordingly. The house was vacant for several years upon my purchase in XXXX. There was also a late fee charge accessed since taxes were not paid on time from XXXX. Exemptions were not filed for XXXX by previous owner. This raised my mortgage from {$690.00} month to {$1100.00} month. I am being held accountable for taxes from 2 years prior to me purchasing the home. I relied on and paid Hallmark Home Mortgage to correctly figure the right amount of property taxes into my loan. They do specialize in HUD homes and should have known to look and see if exemptions had been filed considering this had been a vacant home for quite some time. The error was on Hallmark Home Mortgage and feel they should be held accountable for the refund back into my escrow account. It was negligence on their part to not factor in property taxes as they should have. According to the XXXX XXXX XXXX, XXXX and Hallmark Home Mortgage, there definitely was an error made, but Hallmark Home Mortgage was not willing to correct their error when I went to personally speak to them in XXXX XXXX.
Consumer complaint received 2016-12-06
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The regulatory complaints team that represents the Home Equity Line of Credit application from my lender is failing to do their due diligence concerning my application. Their whole argument rest on information which they asked of a TransUnion consumer rating agency service recommendation. Is the bank too lazy to do their own job correctly? When I reported the death of my spouse, the bank promptly stopped automatic money transfers from my joint account, thereby triggering a delinquency as stated in the XXXX report. The bank goes further to perpetuate their own incompetence by inferring that the agency 's reporting played no part in their decision. But to the discredit to their own inability to give an example to what specifically they found ... They say we are unable to supply specific reasons for their decision. 
I have had only XXXX payment delinquent. I have paid cash for most of my purchases with just a few charges to my credit card. Since my spouse died I have refrained from using any credit that was in both our names to prove I have changed to a single person status. My belief is this example of unlawful discrimination is based on arguments I have had with personnel at the loan processing center at the bank. This person is on record as being rude on the phone with me as a consumer, and I question whether his personal feelings attributed to the denial in assessing the loan. His name is XXXX, XXXX # XXXX, because he has not investigated beyond looking at a simple credit score. I do n't know what they pay him for if not to due an investigation of assets that I have, which total over XXXX. 
The regulatory complaints team headed by XXXX of Bank of America should be ashamed of the performance they have added to this violation. In a letter finalizing their contact with me they submit XXXX proof of evidence, which was a denial letter written by XXXX. That 's hardly a testimonial, and a lack of due diligence of taking the task of reviewing the findings beyond a cursory information letter, standard practice for an institution that marginalizing the individual and denies the public equal protections under the law.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I learned of the Equifax data breach. Not from them directly but from a news service I subscribe to. When I checked the website provided ( https : //www.equifaxsecurity2017.com/ ) I  learned that Equifax believed my data had been among the millions stolen. It was suggested I sign up for one year of free credit monitoring and would need to do so on XX/XX/XXXX. I was not going to be sent a reminder and if I missed my assigned date I would not qualify. After much research I decided my best course of action was to Freeze my credit on Equifax, XXXX, and XXXX. The best I was able to accomplish was 90-Day Fraud Alert with XXXX. I am furious that a company that took it upon itself to make a profit by collecting and maintaining credit data about me WITHOUT my approval was not able to protect that data.The phone numbers provided by Equifax ( and the online Freeze/Unfreeze form ) would take all my information and then inform me it was unable to process the Freeze. Then only provided by phone the mailing address I could submit my request to, read so fast that after 3 repeats I  gave up trying to write the information down.
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC (OH)

The company is calling my cell phone number and home phone. I answered one call and was asked to provide personal information. I inquired about what the call was for and the company refused to state on what debt they were trying to collect for. Once I refused to provide the information, the caller abruptly hung up while saying I should check my card.
Consumer complaint received 2015-07-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

I made a settlement agreement with XXXX XXXX XXXX XXXX XXXX law firm that is managing my two charged off accounts XXXX and sent two cashier 's checks for {$2500.00} each. I was informed by a couple of XXXX XXXX XXXX representatives my checks were received. I called XXXX XXXX XXXX today to ask if they were able to expedite their process when it comes to contacting the original creditor ( Navient ) to confirm payment has been received. One of the representatives confirmed XXXX XXXX XXXX had already submitted that information to Navient as they upload information daily to this company. I contacted XXXX XXXX, consumer advocate for Navient, and he was able to submit my request to expedite the process on XXXX XXXX to report to the three credit bureaus. I was told my XXXX, XXXX XXXX XXXX has a 30 day policy. My payment has to be cleared in their office for 30 days in order for them to assure the funds are received and cleared. I asked XXXX XXXX XXXX today and one of their representatives told me this applies to clients that have judgements against them. The representative then stated I would n't have to wait the 30 days since they upload information to Navient daily and Navient is aware my funds are received and cleared. I then contacted XXXX XXXX by email letting him know of my findings. He then replied back " Dear XXXX XXXX, Unfortunately, we are unable to expedite the process any further. '' I asked " why not '' and have not received any replies yet. I am exhausted with this process! I have done everything XXXX XXXX XXXX and Navient have asked! I do n't understand why they were harassing me so much about these accounts and now that I 've settled, they do not want to deliver their part of the deal! This is not my first complaint with them!
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am filing a formal complaint against FIA Card Services. I enrolled into their XXXX Program in XXXX XXXX, XXXX and completed it on XXXX XXXX. Upon enrollment, I was advised that this negative account would be deleted from my credit report upon completion of their program. The creditor did not uphold their verbal agreement. It should read for the XXXX XXXX my credit limit was {$11000.00} and the word high balance should be omitted. On my credit report, it clearly states that on XXXX XXXX, my balance : {$4500.00}. The XXXX program was {$210.00} a month. The creditor merged with Bank of America and my agreement was forgotten. I have tried to access my online account to obtain my online statements but the creditor XXXX my access upon completion of their payment program. Fortunately I was able to retrieve my original Special Repayment Letter along with my paper statement from XXXX. I entered into another payment program with another creditor during XXXX, and they removed the derogatory item from my credit report once it was settled. Thank you.