davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Holloway Credit Solutions (GA)

I have been monitoring my credit since a XXXX XXXX incident last year. All of a sudden a {$0.00} amount shows up:XXXX 
XXXX {$0.00} XXXX. XXXX, XXXX current debts have been addressed. This may be an attempt to collect a debt that is past the 7 years statute of limitation in Georgia. I deny having any outstanding debt to this company. I have had no communications with them. I challenge the company to provide proof / original documents.
Consumer complaint received 2015-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (CA)

My XXXX year old mother was solicited by a predatory lender, RISE for a personal loan. She agreed to a {$1300.00} loan but was told the California law stated the minimum loan amount was {$2600.00}. Her interest rate is 125 %, how is this legal? She is on a fixed income and RISE has set up an auto pay with her checking account with a monthly payment of {$470.00}. No income documentation was required from RISE to determine her ability to repay the loan. How is this legal? This is elder abuse! Please shut this company down
Consumer complaint received 2016-04-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMA Advisors, LLC. (LA)

I was browsing local lenders on XXXX and XXXX websites to find a local mortgage lender. I noticed there are several mortgage loan officers at our local Homebridge Financial Services branch that are not advertising their license number. Before I apply anywhere for a home loan, I 'd like to research and review their employment history to see how knowledgeable they are. The last time I gave my personal information for a home loan, I had a bad experience so I am very cautious. It 's my understanding that each loan officer is required to display their license number. I even noticed that one of their co-workers with a higher title is n't advertising his license number, either. I 'm concerned that this company is n't operating legally.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

AGAIN, I am complaining about OCWEN. They STILL HAVE NOT UPDATED MY XXXX OR XXXX to reflect that I paid as agreed, they updated XXXX because I filed an XXXX dispute TWICE!! I also Sent XXXX Proof of Paid in FULL on my mortgage and It is STILL NOT Updated that the mortgage was Paid in full!!!!!! They got the money XXXX/XXXX/16 ... Over 30 days ago! I also requested an audit of my payments since I was forced to send the XXXX EXTRA at closing for escrow, No DETAIL What that is for! I paid 2016 portion of Prop taxes AT closing, I PAY home owners insurance Out of Pocket ( Renewed XXXX XXXX, so it should NOT be for that ) Where is THAT Money?? What is it for?? I paid over {$2000.00} EXTRA in XXXX AND in XXXX And extra in XXXX ... .WHERE IS MY MONEY?? WHERE IS MY INFORMATION??? They FORCED me to sell with FALSE foreclosure warnings and Mis application of funds ... .I WANT ANSWERS!!!
Consumer complaint received 2016-02-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (IL)

I entered into an agreement with check n go on XXXX/XXXX/XXXX. I was unable to make payment that was due on XXXX/XXXX/XXXX. After I told them I was unable to, the representatives constantly called me at work after I told them I could not receive phone calls. Sometimes these calls would be 2 to 3 times daily. They also called my mother 's cell after she informed them that this was not my number and to stop calling her. The representative told them that they were looking for me for a past due loan amount. They called my mother almost every day for an entire week. I called into the office and asked that I be placed on a re-payment plan but they said that I could not enter into a re-payment agreement unless I signed a new loan contract with another check. I have exhausted my avenues in trying to settle this matter can someone help me with this. 
Thanks, XXXX XXXX
Consumer complaint received 2015-08-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (OK)

I called to tell these people that this is NOT the right number. I do NOT owe anyone money. The first time no one would answer the phone. The next day, the XXXX lady hung up on me before she even got the number to look the account up. I called back multiple times before anyone would even answer the phone. The XXXX lady answered and before I could speak hung up. I repeatedly called back from XXXX different numbers and no one would answer for quite a while. Finally, I got someone to answer and she said she would look into it but did n't get any information to be able to locate anyone until I stopped her and gave it to her. She did give me the name associated with MY number but I have NEVER heard of this person.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (IL)

XXXX submitted debt that I did not owe to Credit Mangement XXXX. I have repeatedly talked to XXXX, who have told me that I do not owe the money trying to be collected, but they have thusfar been unable to send me any paperwork or billing statements in writing saying that I do not owe this money. I was told via a XXXX Rep that the debt they incorrectly assigned to me was cancelled, and I should not receive any additional calls from this credit management service. This was not the case, and I was told today, XXXX/XXXX/15 by Credit Management XXXX that I need to pay the bill immediately or it will be reported on my credit. XXXX has again stated that I do not owe this money, and that the issue should be taken care of. I still have no written proof at this time, though I am awaiting an email from XXXX, sending a proof of billing.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (TN)

I am a third party authorization for my client that has a mortgage with Shell Point as servicer. They have been very difficult and today they have countered my client {$670000.00} when their payoff including late fees and penalty is {$630000.00}. I have an offer into them at {$630000.00} which nets Shell Point {$600000.00}. They proceeded to foreclose months ago at {$590000.00}. The second with XXXX XXXX is waiting for first lien approval for them to approve {$3000.00}. Shell Point wo n't consider any other offer but {$670000.00}. They told me today they will not go back to the investor for anything less than {$670000.00}. I think they do n't know what they are doing and need help explaining to them anything over the XXXX lien goes to the XXXX lien. Shell Point has a credit balance in the escrow account for taxes and insurance. The investor is XXXX XXXX XXXX and I am sure they would rather be paid than be foreclosed on. There are lots of complaints about Shell Point. I need you to explain the legal process to them to close this contract.
Consumer complaint received 2015-05-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My mother died in XX/XX/XXXX and I inherited the XXXX acres my family owned, and along with it a mortgage of {$310000.00} whitch i suspected was a fradulant loan because the property is not worth any were neer that amount of money. I contacted B OF A and told them i thought this was a fradulant FHA loan. I didnt hear anything from the fraud department at B OF A for two years and then got a forcloser notice from XXXX XXXX a collection agency for B OF A. After contacting them they stated that they were going to sell the property if I did not imeditaly pay the amount of the loan in full. I conacted my congressmens office and they put me in contact with HUD since this was an FHA loan. This is when we found that B OF A was paid in full in XX/XX/XXXX since there was mortage insurance on the loan. So B OF A was paid in XX/XX/XXXX and is still wanting me to pay the loan agin or they will continue to try to sell my property.
Consumer complaint received 2016-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (MI)

I have recieved 3-4 calls a week since the beginning of the month at random times, anywhere from XXXX to XXXX. Upon answering the phone and saying hello no one answers, I can hear ringing and such in the background but after saying hello 2-3 times they just hang up. They just continue to do the same thing over and over again. I do n't know what company this is or what they are trying to collect from me. The only information that I have found is when I call them back they tell me that the company is EOS CCA. I refused to talk with them because of the random and harassing phone calls I have been receiving.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Account Liquidation Services Inc. (GA)

They call repeatedly, do n't leave a message. Just in the last week they have called 6 times, sometimes at 3 in the afternoon and sometimes at 10 XXXX. They also call on weekends at odd late or super early times.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 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 PLEASE REMOVE THE INMEDIATY THIS HARD INQUIRIES
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Hi, My name is XXXX XXXX, I have an account with XXXX XXXX XXXX XXXX. I have been disputing with them because on NUMEROUS Fees which I was never made aware of nor are they written any where. About 2 months ago I went through some financial hardship and my account Overdrew. I became very busy looking for a new job and did n't when until I began getting statements and constants calls from Chexsystems about owing them more than {$1000.00}. Whem I looked at my statements I was being charged redicoulus fees. I was allowed to continue using my card and for example, I spent {$1.00} in parking and they charged me {$180.00} as an over Draft fee and like that many more. I never agreed to such Bullying. Now I cant open an account in any other bank ( I have the letter ), my credit is being affected. I have to do everything in cash, which is almost impossible in this era, They are ruining me and bulling me by reporting me to such an agency and paralyzing my life financially. I am trying to buy a car to take my kids to school and me to work and I cant. I have been on public transportation due to this mess. I need this removed from my consumer report and resolve this issue immediately. Please Help Me. XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-07-26
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (MI)

I received and email alert from XXXX XXXX, stating there were changes in my credit report, when I checked there is a collection from Midwest Recovery Systems for XXXX XXXX for {$630.00}. I do not have any knowledge of this debt nor have I received any communication by phone nor written from these people letting me know anything nor validation of debt. I demand this item to be removed from my credit report since they violated the FCRP by not notifying me of this debt nor proof of validation, and completely be removed. I have also filed a dispute with the credit report company.
Consumer complaint received 2016-05-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

My bank reordered transactions in order to charge more overdraft fees from my checking account. They took the largest withdrawal first, in order to overdraw the account, then charged {$37.00} for each additional withdrawal, for a total of {$180.00} in overdraft fees. When I called to inquire about why they reordered the charges, they said " that was their policy. '' I believe this a predatory policy and First National Bank has previously settled a class-action lawsuit related to this.
Consumer complaint received 2016-01-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Patrick K Willis Company Inc (CA)

I received a phone call from someone identifying themselves as an Investigtor and that they were trying to contact me regarding my brother. It was a debt collector. I do not even have contact with my brother and this company is calling me on my unlisted phone number which my brother does not even have and I do not know how they got it. They are now continuously leaving messages on my cell phone.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Continental Finance Company, LLC (MD)

The announced herself as representer from the legal office of XXXX XXXX calling from ( XXXX ) XXXX and that were had begun to prepare legal document to sue me in court regarding a {$500.00} debt with Mid Atlantic credit card. However the particular account she was referencing has been discharge by the company more than a year ago.
Consumer complaint received 2016-05-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MD)

In a permanent XXXX lien HAMP modification thru Making home Affordable program. Servicer ( PHH Mortgage ) is refused to offer a 2MP modification on the XXXX lien, even after I requested it be done, per Making Home Affordable Directives. Now XXXX lien note ( HELOC ) is in repayment period with a substantial increase at 2.7 times my previous monthly payments. PHH Mortgage services XXXX and XXXX liens and will not answer critical questions submitted in the Qualified Written Request. I have submitted a completed submission package as directed by the Relationship Manager, whereas ; I specifically indicated on all correspondence to PHH, the intent of all submissions are for 2MP implementation. PHH tells me XXXX XXXX owns my XXXX note, but I have proof that it does not own my XXXX note.
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (NM)

Received a letter from debt collector about a bill that is from 2011 believe the statue of limitation has expired on this debt. But all want to see what this debt is showing never has a {$1700.00} debt with any cell phone company. Send record of debt from company XXXX XXXX Will be check with Attorney General on Statue of Limitation on Cell Phone debts! per information from CFPB
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Credit Services Inc. (NY)

I had a passed due account for a gym membership at worlds gym that happened because my credit card # changed. The debt was in collections status when I knew about it in XXXX of 2015. Once I noticed that I owed {$250.00} I promptly went and paid XXXX {$250.00} on XXXX XXXX 2015. The account was sent to collections in XXXX 2015 on this gym contract that was paid in full. When I reviewed my free credit report I noticed this was still on my report. Now a year later my credit score is down XXXX points because XXXX forget to end my membership and never marked my account that way in there system. When I received a call in XXXX of 2015, I called worlds gym and asked has this been taken care of and they said yeah its a scammer. Now I 'm risking not getting a possible job opportunity because this looks bad on my credit which has dropped from XXXX in the last year.
Consumer complaint received 2023-03-24
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. (PA)

these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (DE)

A company called THD/CBNA is reporting a charged off account on my credit file. I have disputed this information ( specifically with XXXX ) and the company claims the information is accurate. I have never had an account with this company, If the company purchased this account from another lender, then the original delinquency is over XXXX years old and should be removed. The company has provided nothing in writing to show the details of this account. I have requested an account statement but have yet to receive anything.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (CA)

I applied for a job with door dash. CHECKR is the background check company that completes the reports. upon receiving my results there is a violation on my record that says I was in POSSESSION OF OPEN ALCOHOL CONTAINER WHILE OPERATING A MOTOR VEHICLE. I was denied the job position. I disputed the results with CHECKR numerous times stating they're reporting inaccurate information. I went to DMV to pay for a motor vehicle report to show checkr that theyre reporting inaccurate information. I also went to the county courthouse and received the ticket that I was charged for. CHECKR is still reporting inaccurate unverifiable information. I have included all proof of dispute and my documents
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (TX)

CITICARDS CBNA, XXXX, XXXX XXXX, XXXX XXXX issued a credit card to a person who used my Social Security number without my consent. Had city bank handled the application appropriately, they would have seen that I already have a Citibank card issued under my name, and that I live in a different state from the thief who committed this fraud. CITICARDS should have flagged the application and called me to verify. Instead, CITICARDS mishandled my personal information ( social security number ) and validated to the thief, that my SS # was a good number by issuing a credit card to XXXX XXXX ( the name the thief gave ), who does not reside in XXXX, but rather in XXXX, XXXX Because I am in the process of finalizing a construction loan, I am always checking my credit score on XXXX XXXX, and that is how I found out that a new account had been opened XXXX. I immediately contacted CITICARDS and advised them I would be filing a police report. CITICARDS did not want to provide me much information other than verify that the card was issued to a XXXX XXXX who used my social security number and who had already charged over {$600.00}. I was transferred to the fraud department and since then, I have not been contacted by anyone from CITICARDS. My personal information was mishandled and CITICARD neglected to flag this fraudulent account. I would like to know what there policy is in processing online applications? Why the card was processed without properly verifying by contacting me, the person who 's social security was used? Why was this account not flagged when processed? Who authorized the issuance of the credit card? This has affected my credit score and has caused me to file police report, affidavits and fraud alerts with the IRS, FTC, XXXX Credit Bureau 's and now you. I have had to take time off of work to handle these matters and it is now turning into a nightmare because this thief has attempted to commit fraud a second time, but was stopped by XXXX which I purchased right after the first incident.