davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC (CA)

this company was fully paid, by my new lender, and they did not, reportto the XXXX credit bureau agency, they are damaging my report, theyshould be investigated, they received the money, but they never clearedmy name to the credit bureau, this company should be penalizedfor negligence.
Consumer complaint received 2015-09-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have a checking account with t d bank, put the money at the atm XXXX took the money posted on my pending checking account and then in my checking account. gave me the white slip and did not give me the money back. there was an error message but the atm still kept my money. I put the money in the t d bank in XXXX, nj and went there in person today and told them and called the XXXX number too. I still do not see my money back. I feel as though the bank stole my money. there should be no issue as to the money because it was put in my account posted and used for my rent. they took it without a word to me. I need it back into my account as I have bills to pay
Consumer complaint received 2020-05-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AL)

On XX/XX/XXXX, I called my mortgage co. to ask what kind of disaster relief assistance they were giving their valued customers. I was offered the opportunity to refinance my loan from 3.875 % to 3.327 % as a permanent fixed loan. I agreed. 
On XX/XX/XXXX I rec 'd a letter from the underwriting dept. asking if I had a loan from XXXX for XXXX. The answer was no, I have not had another loan. On XX/XX/XXXX, I rec 'd loan doc 's to sign. I signed and returned, hoping to close quickly. I rec 'd a letter on XX/XX/XXXX saying we should be closing soon. 
I have been calling my mortgage company since those corresponded letters and no response. Finally, heard from a Senior Team Leader XX/XX/XXXX. He said he would check into the situation and never heard back from him. This has been a very confusing situation for me because, I financed my loan with this mortgage Co.in XXXX. How could an underwriting Co clear me for financing at that time if there was a loan in XXXX. I do not know anything about the loan in XXXX. Thanks for your kind consideration to this matter. Blessings!
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX almost XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. now that Im an adult I was turned down for credit because of a utility bill that was put on my report back then before I was XXXX. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and dont sell XXXX or anything like that my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.
Consumer complaint received 2015-04-14
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: National Principal Group, LLC (CA)

I do n't know who this person is. He calls shouting my name as loud as possible. Demands to know where I am. Wants to know when I will be home. Calls family members over and over again as many as XXXX times in a day. Called my daughter in XXXX XXXX, Called my Son in law, called another daughter in Arizona and stated he has a case number. Calls me all day long but will not identify himself. Left this number with daughter in AZ.XXXX case # XXXX.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (SD)

This is a business dispute with XXXX. Not a credit issue. 
XXXX agreed to provide a working phone for a two year agreement. They handed me a phone with a bad hinge on it. It would cut out while listening. This was after XXXX mailed to me that could n't be activated. 
XXXX charged me {$35.00} cash, to turn in that broken phone. Thus causing the two year agreement to be moot. This is a rip off. XXXX, flat out, was n't willing to provide a working phone on this agreement. 
The bill they are trying to collect. 
{$35.00} charge for a 'free ' phone that I never actually got ( a working phone ). 
{$25.00} for the time It took for another phone company to pull the number. That closed my account. 
I have no intention of paying the {$35.00} of the {$60.00} bill for a 'free ' phone they never actually provided. 
The {$25.00} of the {$60.00} I consider paid when I turned in the broken phone and was manipulated into paying {$35.00} cash to do so. 
XXXX still owes me {$10.00}. 
XXXX has no right trying to collect {$60.00} from me. 
XXXX has no right to Slander me on my credit report.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

XXXX, XXXX and Equifax reporting for Acct Number : XXXX : On Equifax, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XX/XX/2012, and on XXXX, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I have repeatedly, going back to the begi nning of  XX/XX/XXXX  have as ked  ProCollect Inc. , out of  XXXX , TX to provide documentation validating the debt " they say '' I owe. I have had fraudulent activity happen in the past and that is my main concern here. I was called several time i n  XX/XX/XXXX , b y a  XXXX   XXXX  and once by a  XXXX   (  that I remember and HEARD correctly because they sound so unprofessional ). They demanded that I pay almost  $ 5K f or an apartment that was listed under my father 's ( now deceased  )  girlfriends name. I have been trying to take care of this debt for several years now. I have wrote several letters to the company and asked several times over the phone stating " please send all of the documents showing I owe this debt, including the lease copy and all other supporting documents. '' This debt is now approaching 7 years in 9 months and I am still dealing with the unprofessional, rude phone calls. When I called a few weeks ago and spoke to  XXXX   (  around   XX/XX/XXXX  a bout    XXXX   XXXX    CST ), she verified who I was and said " are you willing to making payment in full today? '' I said well " hold on, '' and went on to explain the story and tried to get the supporting documents.  XXXX  ended up hanging up on me twice, since I was n't making payment that day. She did n't say anything about sending me the supporting documents either. I am starting to get really frustrated with this company, their lack of professionalism, they 're always super rude, demand money and if you do n't have the money then they hang up on you. I have now sent an email to th e Sr. Account Executive ,  XXXX   XXXX  because I was n't allowed to have his direct line. I have tried to have  XXXX   XXXX  or  XXXX   XXXX  call me back also, I have heard NOTHING. I am getting ready to call  XXXX   XXXX  if I am unable to get the supporting documents showing that this debit is in fact mine. If my name was forged on any documents then I will have NO OTHER CHOICE but to take ALL parties to court and that 's a PROMISE. I have a twin brother and there 's been times when stuff gets filed under the wrong name or fraudulent activity happens due to our names being very similar. I have tried and tried to play nice but I am n ow filing complaints with everyone including the FTC, CFPB, AG, SOS , BBB, De  pt of Licensing.
Consumer complaint received 2020-10-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (NJ)

They have a high Balance of {$27.00} and a balance of {$13.00} how much was the car sold in auction and how much is owed on the vehicle. I had a good relationship with Honda Financial and I was wondering how I can come back and purchase a vehicle and wave the extra fees owed?
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

we had a modification with XXXX XXXX  when BSI bought loan did not take it over. tried get me sign new paperwork then put me in foreclose do to not signing. I called several time with no call back. putting over XXXX XXXX in escrow and charging me late fees. I ask several time why the XXXX  was not the same just would tell me to sign paperwork send back. they never even called old mortgage company for XXXX. i have not been perfect in the past yrs with older mortgage company 's do to a string of family health problems and bills but did not miss one payment when XXXX XXXX put me on XXXX. all I want to do is to down size my house and move. I like to fix few things in house try sell it for top dollar so BSI get their money maybe I walk away with something. but I would have to be out of foreclose to be able move on.
Consumer complaint received 2020-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Fig Tech Inc. (MO)

I DO NOT recommend this company I have proof of illegal and unauthorized ACH activity. THEY COMPLETELY IGNOR THE TODAYS PAYOFF VS. CURRENT BALANCE AMOUNT!!!! If you pay the loan off early you dont still owe the CURRENT BALANCE! You owe the todays pay off amount, but that is rocket science. On more than one occasion I would go to schedule or make a debit card payment and they would always claim in an email they can not process the transaction at this time, denying my funds. They do not respond to emails, if they do once you ask for management or an account overview they ignor you.They do not care about the customer all they care about is fraudulently taking someones money. I have email threads and proof of scammer like activity. THEY NEED A CUSTOMER SERVICE PHONE NUMBER AND A PAYMENT ADDRESS SO I CAN SEND A MONEY ORDER FOR WHAT I ACTUALLY OWE FIG LOANS.
Consumer complaint received 2022-09-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid off the {$44.00} balance on my XXXX XXXX Credit Card on XXXX XXXX, 2022 and TransUnion docked me XXXX points on XX/XX/, 2022 which sank my score. I feel this is in error since XXXX points is such an extravagant about for paying my bill like I am required.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

Responding back to EQUIFAX PER THE FCRA SECTION 609 THE LAW STATES THE REPORTING AGENCY HAS TO HAVE THE CONSUMER ORIGINAL SIGN DOCUMENTS ON FILE WHEN REPORTING ADVERSE ACCOUNT INFO THAT IS WHAT I 'M ASKING FROM YOU READ THE FCRA 609 IF YOU DO N'T CLEARLY UNDER I HAVE ALSO CONTACT MY ATTORNEY GENERAL XXXX XXXX TO GET INVOLVE IN THIS MATTER AND WILL FILE LAWSUIT AGAINST EQUIFAX AS OF FRIDAY I HAVE ATTACHED CERTIFIED MAIL RECEIPT OF WHEN I ASKED EQUIFAX TO SEND ME THE INFO THAT I 'M REQUESTING. THEY ARE IN VIOLATIONS OF THE OF THE 609 AND 611 FCRA SEE DATES OF CERTIFIED MAIL IN FILE
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Experian has not responded properly to my demand letter, I am not asking for verification thru your automated process, I am lawfully demanding PHYSICAL PROOF, completeness of record for the accounts I listed in the attached letter. 

In the court of law we will need to prove a record to it 's fullness as being COMPLETE. This is what I am requesting and that the accounts which are damaging my reputation be removed until or unless there is a complete record for the accounts mailed to me. 

Your negligence to remove these accounts pending your investigation will result in civil action. 

I thank you for your time and consideration.
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I opened up a CitiGold checking account back in XXXX 2016 using a promotion that would give me XXXX ThankYou points once I have made XXXX bill payment for XXXX consecutive months. I completed that requirement in XXXX 2016 and had n't seen my points posted yet. I called several times since XXXX 2016 and the rep confirmed that I would see my points within 60 days after completing the requirement. It has been 5 months and I still have not received my points.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (MD)

In XX/XX/2023, this credit from XXXX XXXX was removed from my credit report. ( Use the picture attached as a reference ). 

In XX/XX/2023, a collection was added to my credit report by Midland Credit Management notifying that the original creditor was XXXX XXXX. This verify that this company is reporting fraudulent inaccurate information on my credit report. 

I, XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide me verification of this alleged debt. Verification consists of a formal declaration in which you swear the truths of the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which included reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information to the consumer reporting agencies.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I am writing to dispute the following information reported by PennyMac on my XXXX  credit report ; 1. The Condition of the account is Open, not Derogatory.

2. The Status of the account is OK, not on a Payment Plan.

3. My Chapter XXXX bankruptcy was Discharged on XX/XX/2016 
4. The current balance of the account is {$320000.00} Enclosed you will find copies of documents supporting my contention. Please investigate this matter and correct the disputed items to reflect the true standing of my credit. I further request a written response within 30 days.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Approximately 1 year ago my credit score was about XXXX with a XXXX Major Credit Reporting Bureaus. After I made inquiries and disputes with all XXXX Major Credit Reporting Bureaus XXXX and XXXX Made appropriate adjustment and or deletions and my credit score was raised to XXXX by both XXXX and XXXX. Trans Union however dropped or reduced my credit score to XXXX. 

I believe the score is wrong and I am seeking its adjustment.
Consumer complaint received 2015-08-31
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I applied for a loan modification with Owen Loan Servicing LLC to try and modify my home mortgage. Ocwen denied my loan modification twice with false, and misleading, information. 

On XXXX XXXX, 2015, I applied for a loan modification and was incorrectly denied a loan modification. Ocwen denied my loan modification based on the fact I already was granted a past modification two years ago. Ocwen stated I can only apply for XXXX loan modification and I have reached the maximum times I may apply for a HAMP modification. This denial is not true and is an attempt by Ocwen and the Investor to intentionally foreclose on my property. 
Ocwen is not following the HAMP guidelines when evaluating borrowers for loan modifications. 

In XXXX 2015, I applied for a XXXX review for a loan modification. Ocwen again, denied me a loan modification on false and untrue facts. Ocwen stated that I earned an income of {$6000.00}, which is not true. I do n't earn {$6000.00} of income. My income is {$5100.00} a month. Also, Ocwen stated I was current on my mortgage, also not true. I am 90 days behind in my mortgage and need mortgage assistance to save my home. 

Ocwen several times has tried to convince me to sign a Deed in Lieu of Foreclosure and return my property to them. I have numerous times explained to Ocwen I do n't want to give my ownership to Ocwen and I need a affordable loan modification.
Consumer complaint received 2023-03-27
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate.
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: D&A Services, LLC (MI)

On Thursday, XX/XX/XXXX my son received a call, on HIS cell phone, from D & A Collection Services. They asked for my son and then stated they needed to speak to me. My son asked who they were and they refused to give any of their information. Only saying it was regarding a debt I owed. I had NOT received ANY written or oral communication from this company at this time. I still have NO clue what debt they claim I owe. In XXXX this company called my cell phone was very rude and demanded to speak to me FYI Could not even say my last name and only has a part of my info. They stated they needed information from me regarding a debt. I asked what debt and this is where things turned even more nasty. We ended in a screaming match and me informing them to NOT contact me OR anyone on my behalf again. If they would like to address a debt they should follow the rules and send a letter. On XX/XX/XXXX @ XXXX XXXX I received a terrible call from some very rude person from this company. The phone call immediately deteriorated into a screaming match with this guy taunting me. I did contact an attorney after the call to my son and that was where I learned of the scrub lists. This man was out of line rude yelling taunting me over my birthday. He kept screaming he sent me letters. They never have, I even checked the USPS delivery notifications to see if maybe it got lost before it got to my home. IT was NEVER sent to me. They were told NOT to call me or anyone else again. SEND A LETTER.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I.C. System INC at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been reporting a collection with a past due amount of {$270.00}. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information which is a violation of my rights.
Consumer complaint received 2017-02-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (OH)

This bank seems to engage in a deceptive practice with regard to funds availability with deposited checks. I received notice that a deposit made on XX/XX/XXXX would be available in two portions, {$200.00} on XX/XX/XXXX ( next business day ) and the remainder on XX/XX/XXXX ( 2 business days ). This is in accordance with the deposit agreement on the account and not in dispute. However, on XX/XX/XXXX the bank overdrafted my account repeatedly prior to releasing these funds, only to release them immediately after processing the overdraft transfers. The result was a net income ( {$20.00} ) to the bank due to excessive transfer fees against a savings account that were unnecessary due to their mistaken late release of the funds.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was on the phone very long with trans union and finally a representative came on the phone to supposedly resolve my issue, however, they simply gave me the run around about doing a phone verification, but never did it after XXXX additional calls and long wait times again they finally informed me that they cant get it done.