davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

Sometime in XX/XX/XXXX, my wife and I went into mortgage forbearance under the Cares Act of 2020. Our Mortgage Company, XXXX XXXXXX/XX/XXXX automatically granted us 3 months of forbearance. We extended it by another 3 months before XX/XX/XXXX and were scheduled to end our forbearance at the end of XX/XX/XXXX. 

Sometime in XXXX, I called my mortgage servicer, Phh Mortgage Services, to see the steps I needed to take to transition smoothly from a mortgage forbearance back into a regular mortgage and was told we would be put through a loan modification process that would involve 3 trial payments of {$2100.00} each for three months starting XX/XX/XXXX. 

We made all payments on time and in full with no problems but now we have a few issues with PHH Mortgage Services that they seem unable or unwilling to resolve. 

1. Sometime between XXXX and XX/XX/XXXX PHH Mortgage Sevices reported our mortgage loan account as being in default to credit reporting agencies. This affected the credit scores of both my wife and myself in a big way. 

2. The modified loan term that was sent to us increases our principal from its original amount by adding accrued interest over the period we were in forbearance. Escrow fees were also added. This increases our loan balance from {$360000.00} to {$360000.00}. 

3. Our interest rate was increased under the new terms from 3.125 % to 3.25 % 4. It is indicated in the terms that after we sign, there will be more fees, costs, or corporate advances that will be added to our loan. 

5. We have till XX/XX/XXXX to agree to these new and completely illegal terms under the Cares Act of 2020, or else we will not be able to get a loan modification. 

Basically, The terms from PHH Mortgage Services take my mortgage from a balance of {$360000.00}, an interest rate of 3.125 % with 29 years worth of payments left to a balance of {$360000.00}, an interest rate of 3.25 % with 30 years left to go. All payments made previously have been completely wiped out. With severely damaged credit done by PHH Mortgage Services so I am not even able to get better terms from someone else.
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (OH)

XXXX XXXX XXXX sold a " debt '' to GLA Collections in XXXX. The debt is being reported as being from XXXX. Charges are from XXXX, that coincidentally were not billed to insurance and billed at higher rates than insurance. There are also multiple charges for same services. Also, this provider requires payment every visit in order to be seen. This was paid and the statements event show a XXXX patient balance after last visit. 
A debt validation letter was sent to GLA on XX/XX/XXXX. Delivered XXXX XXXX. Nearly 2 months have passed with no response from GLA validating the " debt '' of {$1600.00}. The drs office admits the " debt is from XX/XX/XXXX and questions why I am disputing it '' when I ask for XXXX XXXX XXXX assistance in the matter. 
GLA has not validated the debt. The drs office admits its from XXXX, but its reported to all 3 credit bureaus from XXXX. This can't be legal
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I came into the deanship for scheduled maintenance on XX/XX/21 and while waiting for my oil change. My daughter and I walked through the showroom as we always do to pass the time. We saw our sales guy ( XXXX ) and said hello. He came over and spoke to us and asked me had I seen the new XXXX XXXX. I said that I had not and asked if he had pictures. He said yes and shows me his phone. I asked him when they would be available and he said " soon ''. I said ok let me know and I'll come take a look. He leaves for a few minutes and comes back and said, " I think we have one in XXXX '' I said oh ok and he leaves again. XXXX had a few customers he was dealing with so I did not see him again before we left. My car was ready so we left because 1. we were only there for an oil change and 2. we had reservations at XXXX XXXX at XXXX that day ( we were celebrating my daughters birthday ). While we are at XXXX XXXX I get a call from XXXX saying " I was able to get it done, but I'll call you back '' I was like get what done? He was like the XXXX XXXX, I'll call you right back ; and hangs up. I was confused. As we are leaving XXXX XXXX I started getting a bunch of email notices that my credit had been pulled. I NEVER authorized XXXX or anyone else at XXXX XXXX XXXX to pull my credit, I was ONLY there to have my oil changed.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/2021 about XXXX XXXX  PST, I received message saying that someone login my robinhood account in NY while I lived in CA. And robinhood " nicely '' remind me if it was not me, contact them ASAP. I realized that was a scam so I tried to login in my robinhood app ASAP, but I failed. I tried to reset password but no email received. Obviously robinhood let someone changed my account email, password without asking me. So I emailed robinhood right away because they don't have phone customer service. However, the next day, someone opened a cash management debit card from my account, sold my stocks and withdraw my money! During the process robinhood is doing nothing! How a company doesn't have any protection when they are holding people 's money! It is so ironic that I can not login in my own account while the hacker can freely use my money without verification. Such a joke! Robinhood, please give me back my account and my money!
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America closed my small business account because it was overdrawn. They did not make any effort to contact me, asked no questions, and charged me for the pleasure of being a customer of theirs since XXXX. 

My XXXX real estate business was impacted by 1 ) COVID, 2 ) by a divorce that started XX/XX/XXXX, 3 ) by the fact that my girlfriend received a XXXX XXXX diagnosis and 4 ) I was busy taking her to Dr. appointments for the XXXX XXXX she underwent as part of her treatment. 

BofA saw that my account, which had never been below {$4000.00} in my entire 16 year small business history, was overdrawn and did not reach out to me one time to ask a single question. They closed the account, charged me for the overdrawn amount less what was left in the savings account, and sent me a bill. I paid the bill which they sent immediately to recovery, and I am still receiving reports that the issue has not been cleared. 

This means I can't open any other business bank accounts or business credit cards, and have been blacklisted as a result. 

I paid the recovery bill. It should be cleared. They have not responded to a request I sent over a month ago, and I can't get anyone on the phone to answer my questions or even direct me to anyone who can provide a resolution.
Consumer complaint received 2021-03-23
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: Synerprise Consulting Services, Inc. (TX)

It had previously come to my attention that Synerprise Consulting Services posted an adverse entry on my credit report, with a case opening date in XXXX. I checked my credit report a few months later, and Synerprise Consulting Services had unlawfully changed their case opening date to XXXX, so that the entry would remain on my credit report until XXXX. I have written to them about this, asking that they remove the entry, but they simply re-reported the invalid date to the credit reporting companies. I have never received any documentation about the disputed amount, and have no idea what it is for.
Consumer complaint received 2021-03-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GVA Holdings, LLC (MD)

I was contacted by Target Cash Now on XX/XX/2021 and informed they were trying to collect on a debt for a loan that was taken out on XX/XX/2021 by someone using my information. At first I thought they were trying to scam me but when they provided me with information about the loan, I realized they had my name, my last 4 digits of my social security number, my place of work, my telephone number and a portion of my address. They did not have my full address and the banking information they provided is not a bank that I have an account with. 

Target Cash Now informed me that I would have to file a police report since as far as they were concerned the account was in my name and it would affect my credit rating. I did contact the XXXX XXXX Police department and I have a XXXX Police Department Citizen/Police Contact Receipt ( XXXX ) also dated for XX/XX/2021. 

I did not share this information with Target Cash Now because it has my drivers license information and my correct address and I did not want to provide them this information. Instead I reached out to the Maryland States Attorneys office for advice and guidance. 
I was advised by Mr XXXX XXXX, XXXX Identity Theft Program, Office of the Attorney General to file a complaint with this organization and to freeze my credit. 

The following is the rest of the information that Target Cash Now provided me on this loan that I am disputing * funds deposited into XXXX XXXX account ending in XXXX XXXX Loan ID XXXX XXXX Of interest to me is that I never received any loan documents or information on this account/loan even in my SPAM/Junk mail prior to the disbursement of the funds. But I have received numerous requests in my spam that are reminders about the payments that are due on the account. 

I would appreciate any assistance you can give me to get this situation resolved.
Consumer complaint received 2021-03-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (CO)

The debt that the collector is trying to collect is a medical debt due to auto accident. The medical facility has been given auto insurance information that would pay the claim and medical insurance that also would pay the claim on three separate occasions via mail once and by phone twice. The last being in XX/XX/XXXX. I have verified as of XX/XX/XXXX that the medical company has not submitted the bill to either insurance company. When I was first notified of the debt I disputed over the phone twice giving the collection agency the above information along with dates and whom I spoke to at the medical center. I did not hear anything from either the medical company or debt collector ( by phone, writing, text or email ) until late XX/XX/XXXXvia a text message and subsequent voicemail. I called back to dispute the debt and when they continued to try an collect I responded by text to their message disputing the debt multiple times as well as email so I had it in writing. I also called back to dispute the debt again. I have not received any further communication from the medical center after leaving multiple messages. The debt collector has not responded to any of my messages disputing the debt and continues trying to collect this debt that still has not been billed to either insurance provided to the facility.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

I contacted a number of companies to get quotes to refinance my mortgage on XX/XX/XXXX. Mr. XXXX XXXX from Amerisave called me after I submitted a request online. Mr. XXXX told me I should complete the application that day and that the cost and rates will be the lower of the day I sign the application or when I am ready to close. In mid-XXXX I received an updated loan disclosures showing the cost of the points rising from {$420.00} on the initial disclosure to {$9500.00} on this new disclosure. I called Mr. XXXX who said that I should not worry since the cost of the loan will not be any higher than quoted on XX/XX/XXXX. When I asked for a document verifying this information, he said he would have to ask his supervisors for it. I eventually received an updated disclosure that reduced my points/fees to {$4700.00}. When I asked Mr. XXXX to honor the initial rates he provided when I signed the application, he again said he would need to speak to his supervisors. He never called me back. After that point, he stopped returning any of my phone calls or responding to my emails. The last time Mr. XXXX and I spoke was on XX/XX/XXXX. Amerisave continued to send me documents that needed to be filled out. The first was a set of documents pertaining to the subordination of my HELOC. The second was a rate lock document. I refused to complete any of their requested forms because I refused to pay the additional fees they were now charging. Yet somehow, my refinance was approved, the rate was locked, and the documents for the HELOC subordination were no longer necessary. I made numerous calls to Amerisave, beginning on XX/XX/XXXX, to cancel my mortgage application. Almost everyone I spoke with said Mr. XXXX had to cancel it. After explaining that he was not answering my calls, I was able to work my way up the chain within Amersave to cancel the application. Mr. XXXX employs deceptive practices in getting people to sign an application with Amerisave. The costs promised were not honored.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the credit bureaus but they did not remove them, nor prove validation.

Under Sec. 602 FCRA " I have a right to privacy '' XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Unspecifies Account Name Account # XXXX Unspecifies Account Name Account # XXXX
Consumer complaint received 2021-01-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Hello I recently had a account with Prestige Financial Services , Inc. I was under the impression I was a co-signer on a car but actually I was the owner. I was trying to help a friend out. Once she started falling behind on the payments I started getting harassed by phone and email also at work. I pleaded with them to pick up the car talked to numerous of managers. She they told me no since she was making payments. But if Im the owner what I say should go. Regardless if she made the payment. I even worked with them to locate her so they can pick it up. Still nothing and this goes back since XX/XX/XXXX. I informed them to please pick the car up since she didnt have a driver license anymore. They still refused too now were in XXXX and I have a charge off on my account. Due to bad debt/natural disaster. That is stopping me from progressing in life. From buying a house, car, business loan etc. If anything I should have a repo not a charge off since they sold the car anyways. I gave them written consent to pick up the car I have plenty of emails stating my case the account # is XXXX
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To all this may concern, On XX/XX/XXXX there was a transaction for an XXXX made through XXXX. The amount was {$820.00}, The transaction process was in a pending status until XX/XX/XXXX and then cleared. However the transaction only ended up totaling in the amount of {$590.00}. XXXX credit me the difference in the amount of {$300.00}. When the XXXX credited me, my bank then placed a temporary authorization transaction in the amount of {$820.00} sending my account balance to - {$510.00}. The problem I have with this is that the transaction clearly went through and the authorization has cleared however they placed the {$820.00} Temporary authorization, on Sunday XX/XX/XXXX immobilizing myself and my account in the amount of - {$510.00}. Ive also saw trending. They seem to do this only when its convenient for them or when it will cause me problems. They pick and choose when to do things of this nature and this is not the only time Ive reported this Ive never had this problem with any other financial institution ever. Now theyre saying I have to wait three days. This was done to inconvenience me!!! Or to suit some other agenda that I am unaware of. After calling today ( XX/XX/21 ) and speaking to several managers, they refuse to fix the issue.Ive called and spoken to several managers. The first manager XXXX I spoke with seem to think that things were funny and thought me being in a rage was even funnier ( Snickering and laughing ) I then called back and spoke to another manager name XXXX who then told me she was transferring to the correct agent, and sent me back into a que. After calling back right after I spoke to an agent and requested a manager and he also sent back into another que. Ive never been treated so horribly by a financial institution and my energy is literally sapped from being in a rage with this, and their poor level of customer service. Please advise.
Consumer complaint received 2016-06-16
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

The collection company called my cousin which I hardly talk to and told her that they needed to contact me that they where a collection office. So when I called them they told me that I needed to pay I loan I had taken out a few years ago.So I let them know that I could n't that I was n't working that I 'm getting goverment assistance so they told me that if I did n't agree to pay them that they where going to sue me take me to court and I was going to have to pay them more than XXXX and legal fees and since I wasnt working they told me that they where going to take money from my welfare every month until the full amount of XXXX was paid off that if I did n't want that to happen I had to make some agreement to pay them back I told them I did n't have money. I practically felt scare and force to answer them that I would try to get borrow some money if I could so they wo n't sue me and take my government money
Consumer complaint received 2023-06-01
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. (GA)

XXXX has continued to report an account that has been charged off for the past several years to the credit reporting agencies repeatedly every month as a non-payment. The amount owed that they are reporting is also erroneous. This action is clearly illegal since it is a " charged off account ''. They are also charged with reporting accurate information and their records are not correct. I have sent several requests to XXXX and to the credit reporting agencies to no avail. The credit reporting agencies simply send a request for validation to XXXX who in turn sends a validation of debt to the bureaus and the information is regenerated on my credit reports. 
XXXX and the credit reporting agencies ( XXXX, XXXX XXXX Transunion ) have improperly validated my debt which is a violation of 15 US Code 1692g-Validation of Debts.

This incorrect information has hindered my ability to obtain credit on several occasions.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

So the account was bought by someone else in the amount of XXXX. The company has reported that the balance is XXXX, but the credit limit is still XXXX, but if there's not a balance it shouldn't be there due to the Fair Credit Reporting Act. Since I technically Owe the company XXXX as per the balance I would like it taken off of my credit report please and thank you.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had several loans with the Department of Ed/XXXX I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of EdXXXX and there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.
Consumer complaint received 2023-06-01
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.