davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Company (TX)

I paid XXXX the owed amount of {$55.00} on XX/XX/XXXX via my bank. 
XXXX will not recognize my payment. Twice I provided XXXX a copy of the cancelled, endorsed check as proof of my payment. I also spoke with a XXXX representative who informed me that my case had been " elevated '' for review. I requested XXXX to stop sending me dunning notices. The representative told me that it was not possible for XXXX to stop sending the dunning notices and I should just ignore any future notices as my matter was in review. Even so, my case was turned over by XXXX to a collection agency, CMC. I spoke with a representative of CMC and explained that I paid the amount on XX/XX/XXXX. She said that I needed to mail XXXX a copy of the check. She was unable to verify my payment. I mailed a copy of the check on XX/XX/XXXX to demonstrate proof of payment.
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (AL)

XXXX XXXX XXXX was contacted on XX/XX/XXXX by certified mail about a settlement on an old credit card debt ( delinquency began XX/XX/2015 ), that Midland purchased from XXXX XXXX.

They have NOT contacted me by mail or e-mail-which I requested to discuss settling this debt.

Midland has sent a negative inquiry to the Credit Reporting Agencies TWICE in the last 21 days on this debt.

I have filed 2 complaints about Midland 's lack of response to my request for a settlement of this debt.

Midland 's response seems to be a malicious attempt to destroy my credit, when I am simply requesting a dialogue from them about a settlement.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Mortgage Number XXXX Bank of America has been withholding {$78000.00} from insurance proceeds related to Hurricane Harvey. I paid for all the damage repairs out of my pocket and turned over all payments, receipts, explanation of work done, credit card statements and records to Bank of America. However Bank of America is refusing to disburse the insurance proceeds. This will make e default on my mortgage and lose my home. I can not afford to pay for home repairs out of my pocket and continue making mortgage payments.
Consumer complaint received 2022-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

I had been suffering from XXXX XXXX  as well as a vehicle crash from XX/XX/XXXXthat led me to become XXXX. This bill was never returned to sender nor provided to me so that I could sign so that my insurance could be billed. I had 2 insurance plans at the time of service but the company provided that they failed to obtain a signature from me. The company stated that it was my responsibility to reach out knowing that I had a bill. The company already had my insurance information which I knew would 100 % cover my bill so it made no sense that I would reach out to said company. After being XXXX  and XXXX XXXX XXXX XXXX XXXX, I then moved out of state. At that time I began receiving forwarded mail but I never received any mail from the XXXX XXXX. I reached out to the company directly on Friday XX/XX/XXXX and I was told that this being 5 years from date of service, I could not provide the insurance information. I was also hung up on by 3 different billing representatives as well as management. XXXX XXXX XXXX  failed to obtain a signature from me in XX/XX/XXXX and has sent me to collections, Wakefield and Associates, whom were also extremely rude, in the amount of {$1100.00}. The first time I had learned of this bill was in XX/XX/XXXX after I had just lost my job due to struggling with XXXX XXXX  The company stated that due to my circumstances, I could have the account deferred, but that never happened. I have proof that I was not residing at either residence in XXXXXXXX XXXX  where the bill was supposedly sent due to police reports being made throwing me out on the streets. I also have proof of insurance and proof that I submit a change of address in XX/XX/XXXX once I found a place to live out of state. 
Additionally, I had reached out to Wakefield and Associates to see how this matter could be resolved and was told that I could request an itemized statement via email in which I was never responded nor received said statement. Both companies have treated me with such disgust and disrespect when I was not the person whom failed to do my job.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just did a complain last month, I contacted them to stop missing up my credit, they fixed it, after I contacted you, they always scrowe up my credit. This month the same I am getting tired of TransUnion keep missing up my credit I have always pay in full, I am in good standing with my bank XXXX  XXXX, but TransUnion always keep missing me up, they keep trying to sign me up for their services. Please help me to stop them from this happening every month missing up my credit.
Consumer complaint received 2022-03-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: FORD MOTOR CREDIT CO. (MA)

I have a lease buyout option at the end of my lease. To purchase the vehicle I applied for a loan with a local Credit Union that gave me a good rate and I have a personal connection. 

I have a contract that give me a right to purchase the vehicle at the stated rate. 

Ford Credit and the local dealership refused to provide the required documentation to close the loan, saying I had to finance through them. 

This " blocking '' my ability to secure financing at a fair price, with an institution I trust is an unfair business practice. 

I requested the documents originally on XX/XX/XXXX, was told i had to go into the dealer to secure them, went to the dealer, they gave me the wrong documentation on XX/XX/XXXX. I then reached back out to the dealer, and had the Credit Union reach out with no response for 2 days. On XXXX the head of finance at the dealer sent me a text saying that it is their polic to not support outside financing and I had to go through them. 

This forced me to use my own cash to buy the vehicle putting undue financial stress on me and my family. I would appreciate support dealing with the matter directly with Ford Credit and XXXX XXXX in XXXX, MA.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive been trying to do everything I can to build my credit back up. On XX/XX/XXXX, my credit scores on XXXX and TransUnion dropped drastically. XXXX   dropped 74 points from XXXX down to XXXX and TransUnion dropped 69 points from XXXX down to XXXX. The only things I noticed that changed was a very small increase on a credit card and 1 inquiry. Then on XX/XX/XXXX both scores dropped again 12 points and 13 points respectively. And my report that week showed that balances DROPPED. Ive examined both credit reports very carefully and Ive seen no mistakes to my personal information or on any accounts. I called both credit agencies and have been told by both that everything is based on a scoring model and theres nothing they can do. 
Then on XX/XX/XXXX, XXXX raised my score back up 83 points with no change on my report. Then on XX/XX/XXXX it dropped again 85 points and I had 2 account balances DECREASE. 
This is extremely frustrating and I cant help but to believe theres a serious problem with my account. Ive had inquiries drop my score in the past maybe 1 or 2 points, but 74-85 points is ridiculous. Ive gotten absolutely no help or even any assistance in trying to find a solution to this. If the score is correct then all I want is an explanation as to why my scores are so erratic for no reason. 
Please help me with this issue. Im at a total loss Thank you
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eagle Accounts Group, Inc. (FL)

Child support says I owe a Debt of {$600000.00} and I can't Dispute the Debt they say I owe. I have been XXXX for 9 years and they have been lying for the last 9 years under Oath and the orders sent has no court seal nor judge signature which makes the order sent null and void.
Consumer complaint received 2022-06-18
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. (GA)

I was informed that a Bankruptcy public record information was placed on my credit file. so I contacted the courts via US mail to verify that they had updated my credit report with this information the clerks response was that the courts DO NOT verify individuals case information and that third party companies also know as furnishers research consumers information and sells it to credit reporting data companies such as XXXX whom then supplies it to TransUnion, XXXX, XXXX. Also I contacted PACER ( Public Access to Court Electronic Records. The credit Bureaus investigated and stated that the courts verified information. This is not true and it needs to be removed from my credit file I never gave anyone written permission to place any of this information on my credit and according to the FAIR CREDIT ACT statutes and regulations it must be removed immediately from my credit Report
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Dear Sir or Madam : The servicer for our mortgage, Ocwen Loan Servicing, LLC raised our mortgage payment {$230.00} a month beginning XX/XX/XXXX. I called Ocwen at the beginning of the month and asked why. The representative said our property taxes went up ; however, our property taxes have not increased {$230.00} a month. 

We have owned our home in XXXX XXXX county since XX/XX/XXXX. We paid {$680000.00} for the home. Our annual taxes are {$9900.00} and Ocwen has increased our escrow fees from {$790.00} to {$1000.00}, which does not add up. Paying {$1000.00} a month for property taxes equals {$12000.00} for property taxes for the year. 

According to the escrow papers sent to us by Ocwen, we have a projected cushion of {$1500.00}, yet Ocwen wants us to pay {$2900.00} or {$230.00} a month this year to our escrow account. 

We need a clear explanation for these charges. When I call Ocwen, the representatives can not explain this increase so it makes sense.
Consumer complaint received 2022-07-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I have NEVER missed or been late for a mortgage payment, yet Flagstar Bank regularly sends me delinquency notices! I have my house payment on automatic payment through my bank. Flagstar changes the payment amount, without notification of any sort, it is merely on the statement for that month. When I noticed the payment amount had been changed, I submitted the difference immediately. I have proof of that as well. This last one says I owe {$2700.00}. It reflects that the XXXX payment was not made, which it was. This is not true and I have proof the payment was sent and collected by Flagstar Bank. Unfounded late fee 's are applied as well.

Flagstar also entertains anyone that wishes to know how much the balance of my mortgage is, then turns around and charges me {$35.00} each time! XXXX through XXXX of 2021 a sum total of {$170.00} was added to my account because someone was calling in and collecting my balance information. I called Flagstar three times about this and they said there was nothing that could be done to stop the entity unless they decided to stop themself. There is no way to block these inquiries. The only way to learn of them is to see them on my statement with the subsequent {$35.00} fee, then call Flagstar and ask who it was, then call that entity and hope they will stop. If they don't, Flagstar will continue providing the information and charging me the {$35.00}. This is completely unfair business practices. Fee 's upon fee 's are applied to my account that has NEVER been late or missed!
Consumer complaint received 2019-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (FL)

A debt collection for a repo of {$8000.00} from XXXX XXXX XXXX was deleted and removed from my credit report in XX/XX/2019. This collection agency then sold the collection account to Jefferson Capital Systems which was re inserted into my credit report stating that the account was opened on XX/XX/2019 and was reported on XX/XX/2019 to all 3 credit bureaus. I am working with a credit repair company XXXX XXXX  who is disputing this and requesting for it to be deleted from XXXX, XXXX  and XXXX.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

I had a lease vehicle with GM Financial which was involved in an accident on XX/XX/2019 ( not my fault ) and was a total loss so GM Financial agreed to an early lease termination. The driver at fault did not have insurance so my insurance company ( XXXX XXXX ) sent a payment on XX/XX/2019 in the amount of {$22000.00}. I was told at that time that GM Financial carried GAP coverage which would payoff any remaining balance. I assumed with those two payments the account was paid in full and was never contacted by or received any statements from GM Financial stating there was any balance remaining after the XXXX XXXX and GAP payments were made. On XX/XX/2019 ( 9 MONTHS LATER ) GM Financial reported to the credit bureaus that I had a balance remaining of {$12000.00} and had 6 missed or past due payments. AGAIN, FOR 9 MONTHS I WAS NEVER INFORMED THAT THERE WAS ANY AMOUNT OWED TO GM FINANCIAL. I called GM Financial on XX/XX/2019 to discuss the information reported to the credit bureaus. I was then told I had a balance due of {$460.00}. The GM representative was VERY RUDE and said I should have known there was a balance due. I told her I was not aware of the balance due and if I had been informed about it I would have paid it immediately. I asked why I never received a statement for the balance due after they received insurance payments and she said they don't have to send me anything and that it was my responsibility to know or to call to see if there was a balance due, which is ridiculous. I am XXXX years old and of the many companies that I have done business with over the years not one has ever said I should just know I owe them money or that I should call them to find out how much!! I told her I was willing to pay the balance due immediately if they agreed to correct the information with the credit bureaus. She refused and said if I didn't pay they would report it to collections. When I said that I was disappointed with the way they were treating me & that I probably wouldn't do business with the company again because of this she said that was " fine with her ''.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (VT)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

In XX/XX/2021 after several issues and complaints, I closed my advantage account with XXXX XXXX. I had affiliated XXXX which in XXXX decided to cancel my card since they would not have an account open if I didnt not have a loyalty account with american then they could not keep the card open. However, they did not close it before charging a {$450.00} annual fee. Annual fees are meant to cover the year of usage which I would. It be getting because they closed it. I reached out to them and they said they would be evaluating the request to have the fee stricken but could not provide anything via email, I would have to wait for an mailed letter. That never came. They continued to delay purposely to let more interest and fees accrues while I am waiting for them to remove that fee and any respective interest so XXXX can payoff and close the account. Their have disregarded my request and delayed providing any account information since online they have cut off and therefore I am unable to see a breakdown of anything the breakdown of ongoing charge citing they fact the info the account is closed. Their delay has resulted in excessive interest and damage to my credit report. I have called again and denied the request. I have tried everything but they refuse to make the corrections to close out the balance. Since the letter never came and they cut off access to account information online I do not have documents to attach. Only a balance they cite when I call their XXXX number with no backup for it.
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

Signed up with Venmo and used their services a few times. Someone sent me money and all of a sudden venmo froze my account asking for my ID even though my account was already ID verified. I sent that in and also sent in my bank statement just to show them I'm me. They closed my account with MY {$160.00} IN IT!! Now they say I have to wait 180 days and then I MIGHT GET MY MONEY
Consumer complaint received 2018-05-14
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. (CA)

{ Credit Bureau : XXXX, Transunion } { Credit Bureau : Address { XX/XX/2018 } RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made. 

I contacted [ 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 ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ [ 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 ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2018-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

On XX/XX/XXXX I received a letter from ERC ( XXXX XXXX XXXX ) which claimed that I owed {$850.00}. 

On XX/XX/XXXX I mailed a letter requesting validation ( not verification ) and requested the following : Explain and show what the debt is for specifically ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and registered agent ERC ( XXXX XXXX XXXX ) did not respond with the requested information as required by the State of California. 

On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) reported a collection account on my XXXX credit report the same day they sent the debt collection notice. 

ERC ( XXXX XXXX XXXX ) did not allow the required 30 days for validation ( not verification ). 

On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) updated the collections account. 

ERC ( XXXX XXXX XXXX ) violated the Federal Validation Notice [ 15 U.S. Code 1692 ] and Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. 

Beginning XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. 

No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.
Consumer complaint received 2018-04-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (CO)

Charles Schwab informed me last week -- out of the blue -- that they were closing my brokerage account, my IRA and my checking accounts. This is the fourth bank to close my accounts without giving me reasons why. I have had this happen with XXXX, XXXX XXXX and XXXX XXXX, too. This problem goes back to around 2010. I NEED to know the cause of this.