davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

Today XX/XX/2019 I applied for an RV with XXXX XXXX XXXX. I went to this company because they showed up under my web search for RV Dealers for bad credit buyers. I saw that my credit score went up to XXXX, and the company would have worked with me if that was correct. I had told the salesperson before he ran my credit about what I saw on my paid subscriptions, as well as the free subscriptions. I have a subscription with Experian, XXXX XXXX XXXX, and XXXX XXXX. All three showed me a XXXX, XXXX, and a XXXX. XXXX XXXX XXXX   updates my scores every thirty days as long as I refresh it. But they had me XXXX XXXX, Experian XXXX, and XXXX  XXXX. Granted I just paid my debt down with my credit cards to below 20 % so I won't see my new score on XX/XX/2019. I even have an Experian account, and that is the XXXX. 

I'm a victim of ID theft and bank fraud. I'm working with XXXX XXXX to help me with my problem and to get my credit straight. I've been with them for five months, and I don't see anything that they are doing because today I was told that my credit score was a XXXX. All I could do is cry. It's bad enough that I'm a victim of ID theft and bank fraud. Now I'm being ripped off by XXXX XXXX XXXX, Experian, XXXX XXXXXXXX, and XXXX XXXX. It isn't fair that I'm looking at scores that would help me to get financing only to be told that I am 100 or more points off or down from what I'm telling companies pulling my credit to get me financing. I am so embarrassed because it seems as if I am lying. How can they get away with this? Something needs to be done, and this is my first step because I have my grandmother as well as my husband going through these programs to help us to get our credit corrected. I feel that I need a refund from them all if everything that I am seeing is a LIE.
Consumer complaint received 2017-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I had sent CMRE financial a debt validation letter, because my insurance company had assured me this bill was paid, and CMRE was looking to collect this debt. CMRE returned to me a one page letter, with my name, account number, and a balance. I tried to contact the hospital to get some closure on this, and they said, since it was in collection, I had to deal with CMRE. This letter from CMRE obviously offers no help in finding out the details of this bill ( debt ). Not getting any satisfaction from CMRE, I filed a complaint with CFPB. 
Low and behold after I complained to CFPB, CMRE sent me some sort of billing statement. This bill was like no bill I had ever seen. It had not mention or logo of the hospital on it. It looked like it was typed up by any kid on a computer. From what I can decipher, there were charges, payments, payment reversals, but no where on there was the word totals or a total amount due. No past due amount-NOTHING! There is no way this can be considered a valid verification of the debt. On my last complaint I did not check for the CFPB to publish my complaint, because I was hoping the company would remove this from my credit report, and that would be the end of it. But not this time. I want the company to understand that I will continue to complain until this gets resolved. Please note that in 2014 I was diagnosed with stage 4 XXXX XXXX and have generated tens of thousands of dollars in medicals bills which my insurance company has paid. Please check my credit report. I do n't understand why this one out of hundreds of bills is haunting me.
Consumer complaint received 2016-02-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

Went to pay for a car using MoneyGram. I was to send {$1400.00} to an XXXX XXXX XXXX and according to the XXXX XXXX XXXX XXXX ID # XXXX email I was to call when I finished filling out the MoneyGram transfer form for further instruction. Once the payment was complete, I was to call them back again. Needless to say they received my funds on Friday, XXXX XXXX, 2016 XXXX CST ( XXXX XXXX, OK ) and the car that was suppose to be delivered on XXXX XXXX, 2016 did not arrive. I emailed the XXXX parties this morning and actually received emails explaining I have to send another {$1000.00} for insurance purposes. I explained I no longer want the car and said I would appreciate a refund via a MoneyGram transfer since it has not been 72 hours. I am still pending an answer. Further, I started looking up addresses, emails and the phone number realizing the emails have been used for a couple of years on this XXXX car scam. I already called MoneyGram this morning and they said I should have called within 30 minutes of making the transfer. I said the car was n't going to be delivered until yesterday. So how was I suppose to know to cancel? I gave MoneyGram the reference number and they said the money was received. Sorry that is all we can do. The MoneyGram was sent through WalMart and there is nothing anyone can do to refund the money. This is a true scam and thousands of people have had their money stolen.
Consumer complaint received 2019-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

They have been calling for a different person with the same last name over and over and over. They do it about every 6 months or so for weeks at a time. I have asked them to stop multiple times. I have also told them if they actually had a caller instead of an auto dial they would hear the voicemail say who lives here and nobody by that name lives here. They called my cell phone a few times but luckily they stopped that. I get calls around XXXX, including weekends, which woke me up.
Consumer complaint received 2017-09-13
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. (VA)

My personal data was leaked from the most recent security breach at Equifax. Equifax has not been able to submit an annual free credit report online ; has not been able to place a fraud alert nor has it been able to freeze my credit report. Transunion charged my {$10.00} for freezing my report. XXXX  and XXXX have not been able to freeze my report or place a fraud alert on it. This took several hours of fruitless work with immense frustration and looming negative effects on my credit scores and ability to leverage my well deserved good credit scores.
Consumer complaint received 2017-09-13
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)

Equifax did not securely store vital financial data they collected on me and millions of other people. Once the data was stolen they did not notify me directly, and had no appropriate solutions. Vital current information, like bank account numbers, addresses and drivers license number were left exposed, as was permanent information, like my social security number. This means I am for ever at risk of identity theft and tax fraud. The only solutions offered by Equifax have been temporary, limited to the next couple of months. Additionally, they have used this as an opportunity to promote other services, trying to make money from their own failure. 

The few options I have as a consumer ( checking my credit score, credit freezes and fraud alerts ) have been nearly impossible with all three major credit companies ( Equifax, XXXX and XXXX ). With Equifax in particular it has been completely impossible, since they seem not to have the resources to deal with all the affected customers. This means I have to spend several hours trying to solve this problem. Additionally, over the course of the lifetime this hack will affect me, I will have to keep spending time and money to freeze and unfreeze my account, and to monitor my credit. This is entirely caused by a company I never chose to have business with in the first place.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

My name is XXXX XXXX. I am looking for someone who can help my mother file a suit against Ocwen Financial for predatory lending practices, ideally on a contingency basis. My mother is a victim of predatory lending practices from Ocwen Financial Corporation. I am trying to find a way to help her save her home and help her get some restitution for the strain Ocwen has put on her health and life in general. I have been trying to do some research on this company and there has been many claims of predatory lending practices. 

The practices of the company forced my mother into foreclosure. Once I found out about what was going on, I was able to help get her a PA HEMAP loan ( where Ocwen received a payment of XXXX from the state ) in 2013 to bring the mortgage current. Part of the HEMAP program was that Ocwen had to sign a reinstatement agreement which had an agreed upon monthly escrow ( {$81.00} ) and principle/interest ( {$510.00} ) amount. Everything was fine for two months or so but then Ocwen starting using the same practices that put her in that situation in the first place. Things like charging her for property taxes when we have documentation that they were paid to the city, charging her for homeowners insurance when she was already paying insurance on her own, and sending her checks back when she would pay the correct amount due. Her monthly payments ( fees included ) was supposed to be {$590.00}. It exploded to over {$800.00} dollars due to the escrow shooting up to $ XXXX.Because of this she was charged constant late charges. Even though she was sending in the correct amount due, they would not apply it to her account. Eventually this kept adding up into insurmountable amounts. I believe this is a violation of the " Truth In Lending Act '' and the " Pennsylvania Unfair Trade Practices and Consumer Protection Law ''. Additionally I think it is a clear breach of the Reinstatement Agreement that they signed with the HEMAP re-modification. 
My mother is on a fixed income from her XXXX. I had her call the save your home hotline and public legal services but they just want her to do another loan modification ( I believe it is HAMP ). This modification says she would have to pay a balloon payment of XXXX after paying XXXX over 20 years. My mother has already paid the value of the house and then some. No one is addressing the root of the problem ... which is that these practices leading to my mother being charges arbitrary and unsubstantiated fees ( on a fixed mortgage ) and therefore causing her to go to default. Over and over. I was hoping you can direct to some legal ramification to stop the predatory lending because I know she does n't want to give up her home. Really it is all that she has. What she really want is to invalidate the loan completely and receive damages for all the payments she has made and what constantly battling with this company has done to her health. Thanks in advance for any help you may be able to provide.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

I was in bancruptcy when my mortgage was sold back to Ocwen. They raised my payment which made me file for a modification. I was approved which also allowed me to end my Chapter XXXX. My modification was effective in XXXX 2015, my Chapter XXXX was dismissed in XXXX of 2015, and it has taken until XXXX of 2015 for them to straighten out the billing on their end. I have not been late but was still be reported as late. I was told that it would be corrected, however today I received notice from them that they were going to just " not report '' ( but already showing late ) for the time period of XXXX to XXXX and just report going forward. So was reported incorrectly while they did their clean up and now they are not going to fix it.
Consumer complaint received 2015-07-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc (WV)

We purchased a brand new XXXX in XX/XX/XXXX. I paid extra for an extended warranty that I feel was never properly honored. First the radio went out after a month, the dealership lied over and over we had to take the bike to another dealership to get it fixed at which point I complanied to XXXX XXXX customer satisfaction and they opened up a case. Few months later the bike had a XXXX, we complained about this on XXXX separate occasions to XXXX different dealerships, the mechanics rode the bike and said it was fine. The bike was not fine it still had the XXXX and now the forks are bent. I complained once more to XXXX satisfaction and nothing was ever done and still the bike has the XXXX. I told them I was not making another payment until they honored the warranty I paid extra money for and still nothing was done. XX/XX/XXXX I recieved a letter stating if I did not pay XXXX by XXXX XXXX the bike would be repossessed. Upon purchasing this bike we traded in a bike that they valued at XXXX plus we put down a down payment of XXXX of our own money not to mention all the payments we made up until the situation. Not only are we out {$15000.00} but we are going to loose a bike that has had problem after problem and nothing has ever been done when we traded a perfectly good bike for this one. My dads name is on the line and he recently suffered a XXXX so I 'm not letting him deal with no ore aggravation over this situation we are in. We purchased the bike in XX/XX/XXXX the dealership still has our stock parts even tho we have asked for them numerous of times. I feel that we have been treated unfairly, we work hard everyday and we 're not rich but we do feel that since XX/XX/XXXX we have been treated unfairly and for us to be customers and giving our hard earning money we should be treated fair. XXXX never done anything to help us out with a bike that had problems but we still continued to make our payments so I feel that we deserve a fair solution and not loose everything that we have put a lot of money out for and wo n't be able to get that money back not to mention its gona hurt the credit report involved. In reality it did not have to come to this if they would have just done what needed to be done in the first place. I paid extra money for a warranty that was never properly honored, and we were lied to over and over again, I feel Harley-Davidson Financil Services should have to make this situation right.
Consumer complaint received 2017-02-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

In XXXX, I leased a Toyota XXXX from Toyota Financial. I swapped banks in the end of XXXX early XXXX to be more convenient banking closer to my work. XXXX payments i made were not credited by Toyota Finance at that time. They did clear my banks. For the last year plus I have been sending them the information from the banks where it shows cleared payments to TFS. On four separate occasions i faxed the info to them. I have XXXX missed payments on my credit report now because of this. Worse of all now it is time to purchase my lease and I had been dealing with TFS, they said it was resolved and gave me buyout quote. Took off work to make the purchase and then they told me they would not finance me, even with a co-signer, no matter what. Now the lease expires on the XXXX and i have to scramble to get financing and paid in time. There is a chance now my wife will lose her car and not be able to get the children to school and to her work as i work out of XXXX.
Consumer complaint received 2015-08-03
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

We negotiated a settlement which involved removal from my credit report plus they were also contacted about the information stating the opened date was wrong. They have continued to report even though the settlement was for certain amount removal and corrections of the information of date opened. They have continued to do this with any debt they are issued instead of using the date the debt first became delinquent.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Bread Financial Holdings, Inc. (NJ)

XX/XX/2016, I used my XXXX card to purchase a dress for {$29.00}. At that time my card had a XXXX balance and my available credit was {$300.00}. About a week later, I returned the merchandise to the store. Knowing that I was back to XXXX balance again I saved my card and I did not use it. XX/XX/2016 I get a bill for late fees that have accumulated since then. I have called the credit card company 6 times and I am not satisfied with their answer. They want me to pay a balance of {$200.00} dollars just late fees. I have been unable to use the card since XX/XX/2016 and I requested them to close the account. The amount was " closed '' but the late fees continue to accumulate. I have made one payment to solve this debt last week and finally they offered to open a dispute today and they tell me that it is going to take 60 days for them to respond to the dispute. Meanwhile, the late fees are going to continue to accumulate. I have asked to speak with a supervisor and a supervisor is apparently never available. The credit card also claims that the balance is due to the assure fees of XXXX cents a month which are creating a fake balance and therefore causing late fees to accumulate. My credit is being affected and I have to pay XXXX dollars that I did not use or benefit from
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (IL)

We recently originated a home mortgage for a primary residence with HomeBridge Financial Services of XXXX, GA. Only the XXXX payment only was due to HomeBridge, and XXXX took ownership of the loan and loan servicing with two weeks of closing. HomeBridge assured me the first and all subsequent payments could be made to XXXX, this is what we 've done, and no payments have been late. We have since been billed by both HomeBridge and XXXX, whereas the loan and subsequent documents clearly show XXXX as the correct loan servicer. HomeBridge continues to invoice us showing multiple months of late payments and late fees. We brought the issue to HomeBridge and XXXX upon the XXXX mistaken invoice ; HomeBridge would only give a verbal " we 've fixed it ''. Our concern was the HomeBridge mistake could lead to negative filing with the credit bureau. HomeBridge sent an email stating that no negative reporting would occur ; however, this was false. They had made a negative report to the credit bureau based on their inability to correct the mistake. To clarify, HomeBridge sold the loan but is attempting to continue collecting. In doing so, they are applying late fees on top of payments that are not due to them, and now confirmed that they made a negative filing with the Credit Bureau. This is negligent noncompliance with the Fair Credit Reporting Act. HomeBridge states that they are remedying their cascade of mistakes ; however, failing to act on previous verbal and written assurances leaves us in a position to defend our rights, our credit and our money from the clearly dysfunctional and untrustworthy HomeBridge Financial Services, Customer Service and Loan Administration departments.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Armor Systems Corporation (NJ)

A few weeks ago I checked my credit score and noticed an open account that I did n't recognize under the name " Armor Sys '' or something similar. A little googling resulted in me finding Armor Systems Collections so I figured I would give them a call. They found the account for {$170.00}, which is what my credit report showed as well. I asked for verification and also the company which reported it and they provided both. I called the original company that reported the debt and they have no record of me being a patient there ( it 's an XXXX I believe ). They were very suspicious of the charge and suggested I look into it as it sounded fraudulent. I do n't know what to do as calling Armor Systems Collections only results in them telling me I need to pay the debt plus interest and them putting me on hold for a long time.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC. (AZ)

I called midland funding llc to resolve my cc I proceed to explain to the representative I was in a hardship and what I could do he would just not work with me. I explained I talked to family and friends and i offered a reasonable settlement to resolve this issue and he said by law he ca n't settle. My understanding is there is no law in doing a settlement so is this rep being truthful I just feel like I 'm being cornered to do something I just ca n't do I do n't know what to do
Consumer complaint received 2015-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NJ)

on XXXX/XXXX/2014 i was traveling from XXXX to XXXX. l dont use XXXX and paid all toll by cash. 
that day about XXXX a couple of car approached to cash toll for paying toll fee, but no one there for collecting money. ( no one all cash boots ) about 5 minutes all cars ( about XXXX cars ) waited to pay but no one showed up for collecting toll money. 
we went next cash toll boot and told her no one was there and we could not pay by cash. 
she said fine and she collected {$8.00} and she gave me the attached receipt. 
about 10 days later l received a letter about toll violation letter and l called XXXX Department of Transportation and told them what was happened. and sent letter with the receipt. back and forth finaly they gave me a collection agency and reported credits B. 
I would like to solve this problem and not blamed on it because i did pay and did n't do wrong.