davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

We have been told so many conflicting things regarding our mortgage loan. We have sent payments to only have them returned for no reason, but when we ask, we are told due to the status of our mortgage loan account. Then we are charged late fees and added interest on the returned payments. We have gotten letters stating we are current on our mortgage and no payment is due with a given date of two months later. We get loan modifications of ridiculous terms of 40 year term and balloon payments due after 5 years. We never speak with the same person, we get calls from weird phone numbers like +10 instead of a 10 digit phone number. We were told on Monday, XX/XX/2022, no worries on foreclosure. They said they would mail a packet out to us to fill out and return or we could go online to complete. We get a call on XX/XX/2022, stating we are in active foreclosure and gave me an attorney name and phone number. We very suspicious and concerned about our mortgage company as they don't seem to have it all together by not supplying our loan servicing needs. The amounts are constantly changing, we have a hard time receiving information we have requested. To be honest, we feel they are wanting us to sign a loan modification which we do not agree with the terms. We are concerned of loosing our home because communication is so poor and nothing is consistent. We want to pay our mortgage and pay it monthly. We just want to be treated fairly and things be consistent regarding information, charges & other important information about our mortgage loan. This situation has really taken a toll on our health by stressing not knowing what will happen next.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CA)

First, Bank of The West refuses to grandfather me into their " Free For Life '' account, I opened on XX/XX/XXXX, where the counterfeit check was paid. A new account was opened. 

Second, on XX/XX/XXXX XXXX XXXX wrote a counterfeit check to XXXX XXXX for {$1100.00} he used my routing number, account number but not my bank information instead he used " XXXX XXXX XXXX XXXX California CA. '' On XX/XX/XXXX, while reviewing my XX/XX/XXXX/XX/XX/XXXX bank statements, for a project, I stumbled upon this counterfeit check. I completed the banks fraud form but was informed my funds would not be refunded. 

I do not know these people however, once the suspects are found, I will press charges. Thank you.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I received email communication from Capital One on XX/XX/2019 that my personal credit card account was closed due to inactivity on XX/XX/2019. I called Capital One on XX/XX/2019 and I spoke with a senior account representative who told me the account was first marked for closure on XX/XX/2019, and because over 30 days had passed since that time I am now ineligible to ask that the account be reinstated. My issue is that I did not receive any information from Capital One that the account was going to be closed within this 30 day time frame, and only heard from Capital One on XX/XX/2019 after the account was officially closed, therefore giving me no opportunity to request that the account remain open. As a result, this, my oldest credit account is now closed, my available credit is decreased, and as a result my credit score is negatively affected.
Consumer complaint received 2019-09-26
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: Experian Information Solutions Inc. (OK)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2018-05-14
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: Experian Information Solutions Inc. (NV)

since XX/XX/2017, I have sent over 25 letters to the three credit agencies, Experian, .XXXX and XXXX . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (HI)

We refinanced our mortgage with Recovco/ Sprout Mortgage and closed on XX/XX/2020. However since the refinance process was started back in XXXX of XXXX  the amount to close ended up being {$2000.00} 'To Borrowers ' and {$1500.00} as 'Principal Reduction to Borrowers '. Although we did receive the {$2000.00} from the escrow company, XXXX XXXX XXXX, the Principal reduction to Borrowers was never credited to our loan with Recovco/ Sprout. 
Recovco/ Sprout immediately sold the loan to XXXX XXXX XXXX with the loan amount being the Full {$280000.00} without any Principal Reduction ever credited. XXXX XXXX XXXX stated that they did not know of any Principal Reduction and they also eventually transferred the loan to another company, XXXX XXXX, without any of the companies ever issuing the Principal Reduction credit. 
So in essence the loan was for {$280000.00} but should have included the principal reduction credit because the amount back to us as borrowers could only be {$2000.00} and the rest had to be as a reduction of our principal, the {$1500.00}. 
They just kept the Principal Reduction amount for themselves.
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AZ)

XXXX, badge number XXXX, from a company AFNI called at XXXX on XX/XX/2019. I have a portion of the call recorded. He identified himself and said I had a debt that had gone to collection from XXXX. I disputed that fact and asked how he got his information. He gave an account number and service address that was not associated with me. I said that his information is incorrect. He went on to pressure me saying it was my debt and that he would work out a " deal '' but only if I paid him today. I repeated that his information is incorrect and he said it was valid and because he got ahold of me it was the same as verifying it as legitimate. I told him I had no unpaid bill from XXXX but he persisted by raising his voice, insisting that this debt would go to collection to the credit reporting agencies and negatively effect my credit. He refused to acknowledge the fact that his information was wrong and that it was most likely a mistake and even said I would not accomplish anything by calling XXXX because they had already transferred the debt to AFNI. I asked him to repeat the information he had. He again recited an account number and service address that was not associated with me so I asked how he could report anything to credit agencies if the debt wasn't mine. In response he actually said that the effect of the negative report would be more costly on me than the actual debt which he said was only {$120.00}, however, he would discount it to {$90.00} if I paid it now. I then started recording and asked him to identify himself which he at first refused saying he would never give me his last name. He then argued that I had been dodging him by not answering previous calls. I stated typically don't answer unknown numbers especially if they don't leave a message. He said they never leave messages. His overall language was threatening and harassing in nature. At this point I fully believe based on this conversation that AFNI will take action even though the debt isn't valid and they only made contact by phone. I have not received any official notice by mail, from XXXX or from AFNI establishing that I had any unpaid bill.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I opened my CITI secured card in XX/XX/XXXX. By XX/XX/XXXX, my secured card was closed and my e statements were restricted shortly after that. In XX/XX/XXXX, on numerous occasions I called in to inquire about my Citi bank credit card. The debt is listed on my credit report as failed to pay. Citi bank has horrible customer service representatives that are not thorough when review information or providing the facts that I requested. I paid a security deposit to my account so when my account was closed the amount owed was XXXX. I was charged fees that were not valid and Citi has refused to address my concerns for the past year. In XX/XX/XXXX, I formally filed a dispute via mail and receive a generic response stating that Citi was favored in the dispute process which is overtly biased based on their internal team review the account. I never got information that I requested about contacting the credit management department or any other department beside their recovery team who have been little to no help. Their ways of handling consumers and their monies are erroneous. It's a power struggle working with a big company that has created a maze of tunnels so that consumers are frustrated befor their concerns are met with solutions. In summary, I do not owe any amount over the balance after my account was credited. I would like to have a manager from the credit department contact me about this matter. Also, I would like to be provided a letter with the date of closure and reason why the account was closed in the first place.
Consumer complaint received 2019-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

They have been calling for several years. This is supposedly for a debt that is owed by a son who has not lived with us for over 20 years and has not used this phone number than longer than this amount of time. This company calls using their name and hangs up when the answering machine answers. There are repeated other phone calls that call first and hang up with the answering machine answering, then followed by another call from this company. I have stopped answering any of their calls, More than two years of telling them that he doesn't live here, is not at this number and their lies about his being sued etc and having been contacted by them. If he owed a debt his phone number has been a matter of public record for the entire 20 plus years that he hasn't lived with us and before. These phon743e calls start in the early morning and continue throughout the day and evening. They are truly a harassment. The company name is Portfolio Recovery and one of their many calls comes from XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate the effort you've invested in addressing some of the entries in my file stemming from an alleged incident of identity theft. However, there remain accounts and inquiries that require removal. Pursuant to FCRA Section 605, you are obligated to expunge any items documented in an Identity Theft Report. I have previously highlighted this issue in both my report and letter, and I am reiterating it here along with my new FTC report bearing reference number XXXX. I have informed my legal representative of my intentions, and they are prepared to take appropriate action should you fail to comply willfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXTRANSUNION 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 be advised that you have four business days to remove any entries in my credit file resulting from an alleged incident of identity theft. I do not consent to E-OSCAR or any automated verification methods.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hello I deposited my IRS stimulus check in my Capital One 360 account on XX/XX/XXXX. Capital One the next day restricted my account for withdraws. When I called the number provided I was told my account was closed due to fraud, they had no evidence of this. The account is still open and restricted, they claim they are waiting for the IRS to reverse the check ( which they admit cleared and wasn't fraudulent ). I want the money that cleared their bank sent to me in a cashier 's check if the account is indeed closed and the check cleared. This has gone on long enough.
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bryant, Hodge & Associates LLC (NJ)

The Company Bryan, hodges , & Associates are sending spoofing text messages to me not identifying who they are but are portraying they are a friend and to call them back. Photo is attached. When I attempted to call out of concern the caller did not identify  themselves. I was told " XXXX '' was their litigator and then hung up on. I called back to try and gain some information on the company and why they were reaching out. I was met with hostility and then hung up on. I called a third time asking to speak to XXXX. I was told she doesn't accept incoming calls and she is a locator. I asked to speak to a supervisor or manager and was refused. At no time was I notified my call was being recorded.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

My telephone service provider claims they were sent a letter from the credit bureau that my address was incorrect and that they need to change my address.

1. My telephone service provider is refusing to give me a copy of said letter 2. No letter or correspondence of this nature ( address verification ) was ever submitted to me on behalf of the credit bureau.

3. Credit bureau keeps removing freezing and locks on my credit account without my permission or notification.

4. Credit bureau will not investigate claims submission to remove incorrect information.

5. Credit Bureau will not provide accurate information on my credit report 6. Credit bureau automated systems states information about me that is not being listed on my credit reports
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I made my final payment to XXXX services for my CITI credit card. I received a letter stating they will be reporting to CITI that my account has been settled and paid in full. CITI has yet to act and report to the credit bureau that this account has been paid.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Bread Financial Holdings, Inc. (MA)

Comenity Capital Bank recently refused to honor the following payments from my Comenity savings account : Date Initiated : XX/XX/XXXX Recipient : Financial Industry Regulatory Authority , Inc. ( FINRA ) Purpose : Registration Fees Amount : XXXX Date Initiated : XX/XX/XXXX Recipient : XXXX XXXX XXXX  XXXX. ( Chase ) Purpose : Credit Card Payment Amount : {$130.00} With regard to the FINRA payment, on two separate occasions I spoke with a Comenity customer service representative ( XXXX is her name I believe ) who incorrectly told me that the payment to FINRA was honored but that FINRA returned the payment to Comenity with no reason given. I incorrectly relied on this completely bogus information in my conversations with FINRA.

Comenity provided no reason for blocking these payments other than to say my savings account is a non-transaction account. It seems completely arbitrary that Comenity should block these payments. Since opening my savings account on XX/XX/XXXX, XXXX has processed payments to a wide variety of recipients, including : XXXX XXXX XXXX XXXX credit card XXXX Internal Revenue Service tax payment XXXX XXXX credit card payment Commonwealth of Massachusetts tax payment XXXX XXXX credit card payment XXXX XXXX credit card payment As a result of Comenity blocking the payment to FINRA, I was late in paying my investment advisor registration fees, which put my employment status at risk and forced me to initiate a wire transfer to complete the payment. Similarly, as a result of Comenity blocking the payment to XXXX, I am late in paying my credit card bill, which will cause me to incur late charges and fees. I have spent an immense amount of time and suffered much XXXX  and stress during my attempts to resolve these payment issues. 

I have never previously had a payment blocked by Comenity and there seems to be no rhyme or reason why one payment request would be honored while another is not. More troubling, neither at the time of opening the account nor at any time subsequent to opening the account was it disclosed to me that Comenity may block a valid and legitimate payment for no apparent reason. Comenity has provided no specific guidance as to what payments will be honored and what payments will not be honored, which is completely unacceptable. The only reason Comenity should be allowed to block a payment is if it believes the payment is fraudulent or unauthorized. And in this case it should only be allowed to block a payment if it has made a reasonable attempt to contact me in an attempt to verify that the payment request is valid.
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AZ)

Was called by Cemenity Bank. They new my name and phone number. The debit was for a relative. I would have been OK with it however the collector was rude and belittling. He asked him so stop calling my number I said I was on the government do not call list. He said I was XXXX. I asked him repeatedly to stop calling my number. Finally I had to repeatedly telling to stop calling my number I ordered to get him of the phone. 
Here is the number they gave me to call back and the extension # XXXX
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I sent a certified letter on XX/XX/2019 to Hunter Warfield to validate a debt they have posted my credit reports from XXXX XXXX. I heard back from Hunter Warfiled on XX/XX/2019. I contacted them again via certified mail on XX/XX/2019 asking them remove the unverified items while they conducted their research, as continuing to post this item unverified is still a means of collection. I've sent my final certified letter to them today, again asking them for their source of validation. 

In the meantime, I've been conducting my own research with the other consumer reporting agencies. XXXX had this same item posted saying my deposit was returned, but then I also had balance when I moved out. That doesn't even make any sense. Attached are the results of that dispute from XXXX.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CO)

I recently received a letter and calls from Midland funding trying to collect on two debts- XXXX ( XXXX ) {$1400.00} and XXXX XXXX ( XXXX XXXX ) {$1000.00}. I tried to explain that I had paid the XXXX account XX/XX/XXXX but they informed me that they have no records and I have to pay and offered 10 % off both accounts if I decide to Settle. I went ahead and set up payment arrangement and they're to take {$25.00} per account the month of XX/XX/XXXX and starting XXXX, {$100.00} each. After I had set up the payments I found the receipt of the settlement agreement for XXXX-XXXX of the cashiers check. I need this to be corrected and removed from my credit.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 ( Original Creditor XXXX XXXX XXXX ) Account # 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 a account without my written instructions 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 to cause to believe that the information is inaccurate.