davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I set up automatic payments to pay off " statement balances '' on my Bank XXXX XXXXXXXX credit card at the end of every billing period. Despite having an automatic payment set up, on XX/XX/2022, I made an early payment to this bank in the amount of {$5000.00} towards my total credit balance of {$5100.00}. This will turn out to be the worst decision I have ever made. The payment went through, but their billing system refused to take the payment into account and adjust my account balance to reflect the early payment. Then on XX/XX/2022, nearly three weeks after ( in the same billing period ), they charged my bank account again for {$4200.00} ( for a credit balance I did not owe or know how their system determined ), leaving my bank account with a low balance. I called them several times to let them know that they charged my bank account when I did not owe them money. They told me that they were right to overcharge me because I have an automatic payment set up in the account. In other words, I shouldn't have set up an automatic payment. They also made it very clear that their billing system is not designed or meant to detect and adjust statement balances in my account despite the fact that it is the same reason I literally set up an automatic payment for the credit account. Finally, they told me I was supposed to go into my account to manually edit the payment to avoid overcharging my account. Again, this is the only point why people set up automatic payments for billing ; to avoid having to manually make payments to banks. 

I was forced to go to my bank physically to stop the payment, and today my bank charged me a " stop payment '' fee of {$30.00}. So I called them again this morning to request a {$30.00} check from them to cover the fee that my bank charged me because they billed my bank account wrongly. Again they maintained that their system was perfect for overcharging me and making me pay a bank fee of {$30.00} and spend two days ' worth of my time resolving the issue. I am only asking them to send me a check for {$30.00} to pay for the bank fee that their flawed system had caused. I am not asking them to pay me for the time I have spent for the past two days trying to resolve this or the emotional and mental trauma they have put me through. I would not advise anybody reading this to open a credit card line with this bank.
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER
Consumer complaint received 2016-04-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Account Brokers Inc. (CO)

Bankruptcy filed in XXXX 2015. All creditors have removed from my report charges due to bankruptcy. EXCEPT for ACCOUNT BROKERS OF XXXX ( XXXX ) XXXX. They continue to RE-REPORT these bankruptcy charges to XXXX who Re-Investigates and Re-Reports them to my credit. Which STARTS THE CLOCK OVER, AND DESTROYS MY CREDIT. I have sent the letter verifying the bankruptcy from my lawyer and the date this was filed in court. They have received this letter NUMEROUS TIMES! Unfortunately, I had to file for bankruptcy for medical bills. I was hospitalized for 10 days - was fired for missing work, and they cancelled my insurance- I attend college Full-time and work XXXX jobs. This was not in my control. But when this reporting agency continues to RE-REPORT the same charges, I will never be allowed to move on from this. 
Also XXXX from Account Brokers of XXXX talks to me in a demeaning manner, and raises her voice at me. She is very unprofessional, and continues to make me feel like a criminal. 
Please research this, and help. 
Thank you
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraud accounts distress my XXXX XXXX. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. Im attaching the required FTC Report for you ( which complies with FCA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that tatis a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see what they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete this damaging account from my file : XXXX XXXX XXXX
Consumer complaint received 2016-09-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: U.S. BANCORP (WA)

My private loan through US bank was forgiven last year. I just received a letter from them saying I was in default and that if I paid a lower amount now they would n't send me to collections. When I called them, they immediately told me it was a mistake and to disregard it. The lady I was talking to would not give me her name. I also asked for them to send me a letter showing it was a mistake which they will not send me. My concern is that they are doing this to others who will just pay the lower amount without realizing it is false.
Consumer complaint received 2015-09-09
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: D. SCOTT CARRUTHERS (CA)

Caller said she is XXXX XXXX from the Law Offices of Scott Caruthers, calling to collect a debt. She was very rude and when I told her I was at work and not to call me here anymore and asked for her number she did n't want to give me her number. She threated to file a lawsuit in court and it would lead to 25 % garnishment of my wages. I kept telling her I could not talk while at work and she was very rude and pushy!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it remains unaddressed. This unauthorized information, linked to my name due to identity theft, has severely impacted my life and caused considerable stress.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

For many years I wrote government regulators and CFPB regarding my mortgage with Ocwen Loan. I provided proof that letters where back dated and documents were included in my loan packets that I did not agree to or did not sign. In an article I recently read it was indeed discovered my regulators that this was the case and consumers were defrauded. Including myself. I complained that a my XXXX mortgage was discharged in bankruptcy and creatively added to the back of my XXXX mortgage. In addition, Ocwen still wants me to pay. I feel Ocwen has no claim to my residence due to defrauding me, pain the have caused. The balance is incorrect and I want the documents and records updated to XXXX mortgage only. There is no XXXX. It was modified with the previous company Litton Loan and also Ocwen. I want compensation for the fraud, aggravation Ocwen put me through.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

XXXX continues to claim I owe them {$900.00}. I have never opened an account with XXXX and they can not supply you with a single signature or contract which I have signed proving so. This collection agency has n't even contacted me to resolve any issue. They directly went to the credit bureau reporting me which is also against FCRA policy. This has been deleted from my credit report 4 different times with XXXX different collection agencies. Please assist me with this. Further proving my point, they also had an address on file for me that I 'd never lived at before. I attempted to explain this to XXXX and they acted like they would remove my name from the debt. Afterwards, I began receiving bills for {$900.00} from debt collection agencies. I get at least XXXX I have to request removal from my credit report twice a year.
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

On the advice of an Ocwen rep, I made a XXXX payment on my mortgage.  They told me that there was no scheduled payment in their system though I swore I had made one.  A couple days later, I checked my bank account and found that there were XXXX ACH's pending, so I put a stop payment on XXXX of them.  The bank charged me $32 to do this.  I have sent the proof to Ocwen and they have gone back and forth with me.
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, RE : Inaccurate and Unverified accounts Account name : XXXX XXXX  Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status after investigation : Charge-off Account name : XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Paid, XXXX balance Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX. XXXX, XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX  Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Seriously past due date I am sending this letter in response to the results of your incomplete investigation. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing these accounts and requesting a validation of debt. ( XXXX XXXX XXXX Sec. XXXX ( b ) ). 

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : XXXX. State what the money you say I owe is for. 
XXXX. How did you come to determine that amount? 
XXXX. Provide copies of agreements bearing my signature, stating that I agreed to pay what you say I owe. 
XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number. 
XXXX. Provide me with proof that the statute of limitations has not expired. 
XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
XXXX. How is a closed collection account past due? This is a violation of the FCRA! 
********DELETE THESE ACCOUNTS********** As you know it is against the law to report any information not proven accurate. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Upon checking my credit report, I noticed XXXX hard inquiries and XXXX late payment that are not accurate. I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
The inquiries : XXXX reported on XX/XX/XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXXeported on XX/XX/XXXX XXXX reported on XX/XX/XXXX BK OF AMER reported on XX/XX/XXXX Late Payment : XXXX XXXX reported on XXXX, XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

My demand for settlement is linked to the damages caused by Equifax -- - i.e., denigrating my credit reputation based upon a false claim covered by theFair Credit Reporting Act 15 U.S.C. 1681et seq.holding the credit reporting companies ( CRCs ) liable for publishing false credit reports went they fail to conduct adequate due diligence. 

The false claim is based upon an unpaid loan account receivable that does not exist and a false declaration of default resulting in XXXX property foreclosures noted on my credit report and 2 bankruptcies filed to protect the interests of those properties that were wrongfully foreclosed upon. 

The slander on my credit reputation interfered with my ability to refinance or offer a refinance deal to claimants who were falsely claiming that they were owners of an underlying obligation due from me. 

This has resulted in years of ongoing litigation in which the claimants and their predecessors failed and refused to produce any evidence of the existence of the unpaid loan account receivable, any evidence of the existence of an unpaid underlying obligation due to them, and loss of quiet enjoyment of my property together with substantial personal and emotional distress damages arising from the continuing stress of dealing with false claims and false reports of default to credit agencies. 

Equifax had a duty to exercise due diligence as to the initial report because Equifax had adequate information to reject the claims. Equifax now has the additional duty to conduct an investigation to assess the claim. 

Equifax is only one of the credit reporting agencies that contributed to this situation, accepting fees and making credit reports that were false. 

My total demand is that all references to the claimed debt and any history of the debt be removed from Equifax, that Equifax notify any person who made inquiry during the period in question that the report was erroneous, and that I receive a total payment of XXXX XXXX part of which is owed by Equifax. 

Respectfully, Claimant
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PROFICIO FINANCIAL SERVICES, LLC (WA)

XXXXl XXXX XXXX XXXX were paid the whole amount from the insurance company, they stated that the business did not pay them the money from the insurance company, Proficio financial services claimed the business I was managing kept the money that the insurance company paid. 
XXXX XXXX XXXX XXXX were paid the amount of {$3800.00}. 
This is not my personal debt, I never have an agreement or legal contractual arrangement with XXXX XXXX XXXX XXXX 
the insurance company approved {$3800.00}. and the business paid {$3800.00} to XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I have Mr Cooper and they just charged me with lapse in insurance after they refused to accept my new issurance and failed to tell me that. I thought I had the insurance paid and they sent the payment to the old insurance company knowing I was switching. They claimed they didn't get the notice from myself OR the cancelation from XXXX. They asked that is be faxed to them in XX/XX/XXXX when I called them. They failed to put this oversight in the system the fist time and now a year later it is corrected as though they had it thus whole time. That is the convience of working there and aand being able to back date. Things. Thank XXXX nothing happened to where I needed to file a claim but that could have been a disaster. Mr Cooper was negligent and when I called and asked what was the letters for I told them I had insurance. They canceled the letters. Now when I went to renew I find out it was NEVER in effect. Now Mr Cooper is blame but I blame them too. I thought it was worked out since the time passed and they would take some responsibility with me but then it was corrected and placed back. Now my house payment is over {$2500.00} and i I OWE $ XXXX in insurance.. How is that taking responsibility? This is unfair practice. They are not taking any responsibility here. They should not handle veteran accounts as they put us in hardship. Mr. Cooper paid my old insurance company even after being notified they were no longer my insurance. They then denied the new insurance company, and failed to notify me of the denial. They will not take responsibility. They have the option to do nothing, pay the insurance coverage, cease the house, or cancel the loan. They choose to only do the lacks coverage instead of doing nothing, and refuse to take responsibility. They notified me this year when I have been disputing for years. The insurance could have been rectified long before now. They were notified by me a well as the insurance company, and chose to do nothing. I'm paying a hefty price, and they continue to do nothing. I am now getting a bill for {$5000.00} for a lap in insurance that Mr. Cooper caused.
Consumer complaint received 2022-11-15
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$4600.00} ; XXXX XXXX XXXXXXXX Balance : {$8000.00}
Consumer complaint received 2016-11-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

I have a loan with One Main Financial, which I will never do again. When I paid in XX/XX/2016, the amount due said {$200.00}. This is a cause I overpaid in XXXX so my payment due was less than the regular amount. That payment cleared but within a week my account showed a past due amount of almost {$600.00}. I have asked repeatedly for something to be sent in writing explaining this drastic shift. I have received nothing. Suddenly my account shows a returned payment from XX/XX/2016, two months prior. This makes no sense. Further, I have told One Main to cease all calls to my work, as I am not permitted to have them call my work number, and they continue to call. I will receive a call and voicemail on my work number and, within minutes, a call and voicemail to my mobile. Why they keep calling my work number when they have been told to cease, I can not say, but there was a time that they would ONLY call my work number and not my mobile. They have also called my employer 's main number, a number they were NEVER provided, instead of calling my direct line. Since last telling them to cease calling my work number, which was approximately two weeks ago, or less, I have received no less than seventeen to twenty calls and voicemails to my work number. This is not the only time I 've told them to stop contacting my work number, but they are rapidly nearing the end of my rope. I feel that their loans are predatory and that they are now harassing me with their incessant calls, ignoring the information that I have asked be sent to my mailing address, and calling a number that I have told them to STOP calling daily, including Saturdays. This needs to stop.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I got on the XXXX forbearance from XXXX until XX/XX/2022. My mortgage co Rightpath has told me I can not make a payment. They sent my loan to underwriting for 2 1/2 months and when I started requesting a call back from a manager after 30 days with underwriting I was told they are backed up due to all the loans coming from XXXX XXXX XXXX. I never recieved a call back and have requested one several times since XXXX. I started threatening to complain to the different agencies such as CFPB and now I get a notice that I'm not eligible for a loan mod, a payment deferral or a pmt plan. Please help!