davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

We moved out of an apartment ( 600sq ft ) back in XXXX XXXX where we used XXXX XXXX for our electricity. Within a year, our bill went from around {$60.00} up to {$200.00} with no reason. When we moved, I canceled our service with XXXX. They tried to charge us over {$300.00} for doing so when they had already ripped us off on our monthly bills. I conveyed this to the original collection company back at the end of XXXX and heard nothing after that. It was removed from my credit report earlier this year but is now showing up again with a date of XXXX XXXX, XXXX under XXXX. There is no reason I should have to pay this amount for a company I havent used in over 2 years that gave no reason that I was significantly overcharged. If anything, they owe me money back.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I had submitted a complaint about XXXX XXXX with your company back in XXXX and was sent notification that the late payment from XXXX XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have two accounts with XXXX ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with XXXX changed again on my Transunion report, showing a late payment from XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with Transunion is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my transunion was accurate then changed 2 weeks later.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

As of XX/XX/XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XXXX/XXXX/XXXX for Late Fee Adjustment of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XXXX/XXXX/XXXX for {$260.00}. Credit report does n't show payment status for XXXX XXXX nor correct balance for XXXX XXXX. Billing statement does not show payment on XXXX/XXXX/XXXX.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (PA)

A request for my credit report was made on XXXX/XXXX/17 without my consent, they stated that I request a loan which is untrue. My credit report show this information as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FirstPoint Collection Resources (CA)

On XXXX XXXX, XXXX, I wrote to this company notifying them that their claim was disputed and in that same letter, I requested that this company validate the debt. 
I requested that it provide me with competent evidence that I have any legal obligation to pay them. I asked that they provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Instead, the company sent me a letter dated XXXX XXXX, XXXX from a debt collection company. In that letter, the dollar amount of which they say I owed was changed. This company did not provide me with competent evidence that I have any legal obligation to pay them. It did not show how it calculated what they said I owe ; it did not provide me with any papers that show I agreed to pay what they say I owe ; it did not provide verification or copy of any judgment ; it did not identify the original creditor ; It did not prove the Statute of Limitations had not expired ; it did not show me that they are licensed to collect in my state ; and it did not provide me with its license numbers and registered agent. 

Rather, this company has to this day ; knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (SC)

I opted out of an Overdraft Protection program for my debit card account which explicitly states that they would decline the card should there be insufficient funds in the account and not charge an NSF fee. Upon noticing a NSF charge I called the bank. They referenced a Regulation E which explains that the opt out does not apply to " recurring charges '' the definition of such was not adequately explained. They refused to refund me the overdraft fee of {$35.00}, even for this first offense. I mentioned that since my account is in negative balance and therefore can not close the account without paying the NSF fee, I would let it become inactive. The repercussions per the agent I spoke with would be another {$50.00} in fees and then having a collection agency attempt to collect his amount. In the meantime, this would effect my credit score and I would not be allowed to open any other checking accounts. This is quite a hefty fee to pay for a poorly worded policy that anyone could have been duped.
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have been harassed by the company for the last time, I have asked them to validate all info and debt and after 90days that 's still not happened. Due to the statue of limitations I am no longer responsible ... .They called my job 12 times last week and its gotten to the point I am at my wits end ... .I need them removed from my credit report, and never to be contacted again ... PLEASE HELP ME. 
I have asked them to validate my info and they neglect to do so, backdated from XXXX/XXXX/XXXX I am so discouraged and feel like I can almost quit my job with the harrasement, its a threatening feeling to be frank. 
here are my accounts that follow : portfolio recovery ( XXXX ) XXXX Contact Address to portfolio XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Ownership Individual Account XXXX {$1700.00} XXXX {$470.00} XXXX {$440.00} XXXX {$460.00} XXXX {$910.00} not only do they have dates wrong on when I opened my accounts they are just out of control to be exact the account they say I opened in XXXX and XXXX it was XXXX they are even reporting wrong I have not opened up any new cards with them in the last few years
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

We had Ocwen as our service. They charged us mortgage insurance and we never needed it. We were in a chapter XXXX bankruptcy and they messed our payments up from the trustee. We tried to modify our loan before our bankruptcy and they lost paperwork. Our names are XXXX XXXX And XXXX XXXX XXXX. My phone number is XXXX. Our current address is XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. The property in question was XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. Can we be part of a class action law suit? Thank you, XXXX XXXX XXXX email : XXXXXXXXXXXX
Consumer complaint received 2017-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

This account should be deleted as I never received a bill for services at my home address ( where I have lived for the past 9 years ) from XXXX XXXX XXXX, instead I received a letter from SCA Collections months after service was rendered, demanding payment, it was reported to collections before I even had a chance to pay. For {$68.00} and to salvage a negative entry on my credit file I would absolutely have paid this small bill but instead my score has now dropped due to this and the bank refused me a mortgage loan in part due to this. I contacted SCA and asked if I paid the amount would they report as paid and request it be removed but they have never replied back, after XXXX attempts. I am requesting this to be completely and permanently deleted and reported to Equifax to remove as well. I 've disputed with XXXX but all they have done is verify with SCA that the information is verified, this is incorrect and an injustice done to me.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion and XXXX continue to lie on my report, leave out accounts and important information and they are guilty of damaging my financial well being and all guilty parties should be arrested and incarcerated! How am I supposed to obtain credit when the credit reporting agencies lie and cause me to be rejected? Can I file charges? Can I refuse to let them monitor my credit? After all they 're criminals! XXXX is the most accurate of the XXXX they at least list all my accounts and have the correct percentage of my credit used and my total credit amount.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MO)

I have been attempting to get a loan modification with this company for months. I finally get the paperwork to sign to modify my loan. They set up an appointment with a notary and the paperwork is signed and sent in. I called the following week and the person assigned to my loan said they did not get the paperwork. Then he said he found them and it would take a while to get them processed. I checked online a few weeks later and my account said that the loan modification was denied. I was never notified by the company that the modification was denied. When I called they said the paperwork was signed incorrectly, even though it was signed exactly like it was listed on the forms. They never called to say the forms were not signed correctly. I called twice to get new paperwork. When I received it, I called to set up the notary appointment again and to make a payment. The appointment is scheduled. When I asked why a previous payment was not showing on the account, I was told that they will not post the payments because if they post the payments then they ca n't foreclose on the property. I asked why they are working foreclosure when we are in the modification process. The response was because the paperwork was not signed correctly. I have been doing everything possible to get this modification completed, but it seems like there is one obstacle after another and they do not communicate with me about issues that I am totally unaware of. Today I received a letter from an attorney that my house is in foreclosure. Is this even legal?
Consumer complaint received 2017-09-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX, 2017, Capital One 360, an internet bank, closed my savings account without a court order or due process. They committed grand larceny. I want an investigation into why this incident occurred. They placed an electronic block on this account before they closed it. They also refused to provide bank statements.
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I had a collection placed on my credit report by Diversified Consultants, XXXX. XXXX XXXX, XXXX, FL XXXX, phone ( XXXX ) XXXX. The collection is for {$43.00} on an account that does not belong to me that was apparently originated by XXXX for an unpaid cable television bill. I called and told Diversified that it was not my account and they said I would have to call XXXX. I called XXXX and they said I would have to get a police report and report it as identity theft. I cant make a police report if it is purely a XXXX mistake.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

Navient is reporting my high credit as XXXX. Instead of XXXX as the high because of this it is damaging my credit. I originally had a student loan with XXXX XXXX who then assigned it to XXXX XXXX XXXX XXXX who set me up with the rehabilitation program which I successfully completed and then they assigned it to Navient based on the paper work sent to me was XXXX/XXXX/14. Navient took my loan it was XXXX but they reported my high has XXXX starting me off upside down on my loan 118 percent when they took the loan over and created a new one which should have shown my high as XXXX with me paying the amount that they set up for me I still would not be able to pay it off unless I paid hundreds of dollars extra. I need this fix it is severely damaging my credit.
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I have been a customer of Wells Fargo since the XXXX. I purchased my 2nd home in XXXX, and then refinanced my property in XXXX. At the time of the re-finance, my property was appraised at {$130000.00}. I recognize that this amount may have been inflated due to all of the illicit activities that were occurring during that time. As a result of this refi my new lender ( investor ) was XXXX XXXX. Prior to this my loan was with FHA. In XXXX, I applied for a re-fi with Wells Fargo, where I paid for an appraisal. The appraisal valued my home at {$25000.00}. While this was shocking, I attributed this to decimation that my neighborhood had experienced as a result to the mortgage crisis. Because my home did not qualified for the Refi, it was suggested to try the Harp Program. When applying for the Harp, I was told that the Investor- XXXX XXXX did not participate in this program. 

XXXX XXXX benefited greatly from all of the TARP funds but provided their customers with no benefits. It seems unfair. It was reported that XXXX XXXX received {$10.00} XXXX in TARP funds. I was told that the mortgage arm of XXXX did not benefit from the TARP funds. 

It is now XXXX, and I continue to make on-time payments of my mortgage, however because my market value is only approximately {$43000.00} I still am unable to refinance the property. 

I would like someone to investigate whether Wells Fargo or its representatives benefited from my loan being with XXXX. Is or was there something that Wells could have done to assist. Was there something illegal that occurred
Consumer complaint received 2017-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

I am having a huge problem with them allowing me to pay down my unsubsidized loan. They wont allow on line payment, credit card payment or phone payment. I was instructed the only way was to mail a letter with a check and I was told to state to place at pay ahead status and for my sequence XXXX loan only to indicate which loan I was paying off. They told me this was the only way to pay off this loan of {$3300.00}. They did not do this and and only applied $ XXXX to the the loan. I used a check from my credit card company as the plan was to pay my credit card back as I wouldnt need to deal with the constant manipulation and unethical practices of this American Education Services. The previous month they put a payment in " suspension '' and I had to fight for a half a dy to get a refund. They also made me " prove '' I sent a check even though they acknowledged it was there. They are playing games and they tell me how to pay this loan off and then change the rules when you do it that way. They are operating in fraudlent manner and making it harder and harder to pay off loans. This unethical
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IL)

They XXXX 's said they closed my card out now saying no but basically holding me to things I never ordered received n refusing to close the account I 'm now getting threatening letters to take action vs a  identity theft victim XXXX which is wrong.i do n't owe XXXX 's n they sent me letters stating so I do n't know what their new position is but it 's not gon na fly vs me
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Prosper Marketplace, Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2015-10-07
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (NV)

XXXX Credit Bureau informed me via CFPB # XXXX that Cash Central failed to notify their request for a removal of XXXX Hard Inquires which continues damaging my credit score. 

Cash Central representative XXXX XXXX, ( phone XXXX XXXX send me a letter on XXXX/XXXX/15 stating that a request to remove the XXXX hard inquires was sent XXXX. 

According to the response receive XXXX, as of this date, Cash Central have failed to comply with their request to remove the XXXX hard inquires which continues damaging my credit score. 

XXXX
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I was pulled off of the XXXX XXXX XXXX, by a XXXX XXXX when my complaint became personal to the board. I have spoken to the CF.P.B. ( # XXXX ) on the XXXX day of XX/XX/XXXX ( start of this case ). I have been abused, financial, by the XXXX XXXX because of my complaints with the F.t.c. I recently found out about a XXXX XXXX called the XXXX XXXX using my name spitefully because of the XXXX XXXX Crash. Let me start by explaining my previous issue with my first Credit Card of XXXX   XXXX, during the XXXX XXXX conspiracy act. My financial problems started with the abuse I sustained while doing business with The XXXX XXXX Credit Card. They were the first to take advantage of me with a false charge of a tobacco sale from XXXX XXXX and a Ferry Ride from XXXX to XXXX. I was told the XXXX XXXX President was responsible for these false charges, while I was helping the F.b.i. stop a child XXXX XXXX traffic problem in the system. I was XXXX XXXX, during the time of my working years, and was told to file XXXX 's XXXX, while arguing my case with the Office of Personal Management. After explaining my case to the Office of Inspector General, the  previous President Obama, left office with a promise of a back-drawn paycheck due in XX/XX/XXXX. The new President Trump, recently claimed he was going to pay me my back pay, and also pay off my complete Chase Credit Card Bill. President Trump is aware of the abuse I sustained determining the correct qualities of my work load, while the banking system disrupted my self worth.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

The XXXX XXXX XXXX applied for several loans on my behalf and simply had me sign my life away. 
I have complained that many of these loans being reported on my credit report are duplicates and need to have this corrected. 
My student loan balance went from $ XXXX to $ XXXX I need assistance in investigating this as I believe that the XXXX XXXX XXXX fraudulently processed loans on my behalf.