davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NC)

My complaint is with Credit Acceptance. First the have they are claiming I owe {$100.00} dollars which is incorrect. If my payments are XXXX a month and Credit Acceptance acknowledged theey received my hardship payment arrangement letter and agreed to give me 4 monthly payments of {$200.00} on a recorded line, why are they acting as if this is just a payment I 'm making on my own. And with the agreed upon arrangement the past due balance remaining balance for 4mths would be XXXX and the representative on the phone advance the balance go on the back of the loan. So the are adding illegal collection tactics and also have been calling harassing me everyday twice or more a day after they know my account is auto draft. I have spoken to a representative every time they call to advice in on auto draft and they still try to collect a payment and continue to call when I already spoke to someone which is illegal. Their phone records like my phone records will support this. Last all XXXX of my credit reports are showing different past due dates, when the account is not past due, I 'm on auto draft and Credit Acceptance agreed to the hardship arrangement and said the remainder will go on back of loan. 

I
Consumer complaint received 2017-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (FL)

I had 2 negative credits in my XXXX from XXXX XXXX XXXX that were not mine they they were despite and deleted I got the letter in the mail X/XX/2017 from XXXX then I got a letter from XXXX XXXX XXXX XXXX XXXX. On X/XX/2017  that XXXX XXXX XXXX had sold the previously deleted accounts to pendrick capital partners who then placed it with commonwealth financial systems inc to go back on to my XXXX saying owe them money that I do not owe and again was deleted of off my XXXX. Account number XXXX for the amount of XXXX $ and account number XXXX for the amount of XXXX $
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

My request to remove my PMI ( mortgage insurance ) was wrongfully denied. The terms to remove the PMI were to have at least 20 % equity in your home. After 2 years of on time payments and the value of our house increasing we have reached over the required amount. I requested a new appraisal and had to pay {$450.00} out of my own funds for Freedom Mortgage to schedule an appraiser to come  out to get the new value of my house. The appraisal came back at {$240000.00} and I owe {$190000.00} so that puts me at 21.7 % equity in my home which would terminate the PMI of $ XXXX/month that I am paying. When I submitted this to Freedom Mortgage they denied my request to remove it and also could not give me a reason why.
Consumer complaint received 2017-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MO)

About ten days ago ( XXXX XXXX, 2017 ) and again today ( XXXX XXXX, 2017 ), I received two phone calls with voice-mail messages left on my phone. Caller is male, sounds foreign ( XXXX? ), identifies as " XXXX, with ID badge No. XXXX, calling from Americollect.com ''. He claimed he was calling " about a debt '' but did not specify what or owed by whom, and left a return number of XXXX. XXXX invited a return call or to chat online with him at XXXX. <P/>I have no debts outstanding in any delinquent status, so this sounds like a scam.
Consumer complaint received 2024-02-19
Product: Credit reporting 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)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX - Account XXXX Please Update all payments, all pay was made on time.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i w

ill sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (KS)

Ditech states I received a modification in XXXX this is not correct. I recceived a modification that started in XXXX and was completed in XXXX. Their records are not correct. But this is typical. If they were at all families with the modification process they would know mortgage modification is a long drawn out process for which XXXX XXXX XXXX would never have allowed nor is it permitted to have two modifications in a years time. It 's outside of the defined modification guidelines if Ditech knew what the protocol is for mortgage modification which they obviously do n't. I will forward the information to the Kansas Attorney General. Ditech needs to be educated on the modification guidelines.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NJ)

I received a misdated letter claim form from Ocwen mortgage company which I filled out and returned on XXXX XXXX, 2015. My tracking number is XXXX. I have been calling on a regular basis and always receive the same answer, that it is under review. This claim form involved a payment ranging from {$300.00} to {$3000.00} per loan for misdated letters which negatively affected me during a short sale
Consumer complaint received 2017-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (PA)

On  XXXX / XXXX / 17  a deposit was made for  XXXX . The deposit is made monthly to cover the BBT mortgage. No notification at the time of deposit was received at the  XXXX   XXXX  on  XXXX   XXXX  indicating that the funds would be held due to an old computer system being used. I did not notice until later when looking at my online account that the funds were being held. This deposit always clears during the nightly cycle. As such all transactions during that time frame caused the account to be overdrawn. The account experienced overdrafts of {$180.00}, {$36.00}, {$100.00}, and {$140.00} totaling {$460.00}. When I spoke with the branch I was told by the rep  XXXX  that they consider these held funds when taking the fund off hold. meanwhile, the funds had been withdrawn from my husbands account on  XXXX . This allows the money to be available t o BBT yet  not in my account. Additionally they now earned Overdraft fees by not releasing the funds for a week when they had them on  XXXX . I called to ask that the OD fees be reversed and they said they would only give  XXXX  dollars.
Consumer complaint received 2017-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focus Holding Company (TX)

FOCUS RECEIVABLES MANAGEMENT are wrongly trying to collect a debt and have placed a debt on my credit file. This company is NOT licensed and bonded in the state of Texas. After contacting the Secretary of state Texas Focus Receivable Management do NOT have a bond in the state of Texas. This is againist the law of the state of Texas. Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a XXXX bond and filed a copy of the bond with the Office of the Secretary of State. 
They are attempting to collect a debt in the amount of {$910.00}.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc ()

Am trying to withdraw money from paypal to XXXX  and its nots successful and PayPal is acting shady .all I did is Change my phone number ... from XXXX to XXXX which is acceptable but they put limitations that made it hard for me to get my money to pay my bills.please probe them to act am fed up with these restrictions.thank you
Consumer complaint received 2016-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Full Circle Financial Services, LLC (AZ)

We received XXXX letters from Full Circle Financial Services claiming we owe {$150.00} to Shark Rocket Deluxe Pro Vacuum. I replied to the first letter stating we do not owe this money and have never done any business with XXXX XXXX. We then received a second letter. We do no own a XXXX XXXX Deluxe Pro Vacuum, nor have we ever considered owning one. They also claim it was paid for with a XXXX ending in a number that is n't any card number we have ever had.
Consumer complaint received 2017-10-20
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: EQUIFAX, INC. (GA)

I disputed the following accounts on XX/XX/XXXX7 with Equifax. On XX/XX/XXXXafter accessing my account online, it shows that betweenXX/XX/XXXX-XX/XX/XXXX, the following items XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX were deleted from my credit file. On the same date it was showing said items were removed from my credit report, it also shows that between XX/XX/XXXX-XX/XX/XXXX the same items were reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.
Consumer complaint received 2022-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Our FHA mortgage was paid off on XX/XX/2022. Due to being paid through a court appointed trustee additional payments were sent after the loan was closed. A payment in the amount of {$4000.00} was applied to escrow on XX/XX/2022 and a payment of {$1400.00} was applied to escrow on XX/XX/2022. 

I have contacted Freedom Mortgage to return the escrow funds via phone and email a minimum of 5 different times. They keep telling me that they have to research why the funds have not been returned. I got tired of hearing excuses so I completed some research of my own. 

It was through my research that I found SS 1024.34 ( a ). This said that once a loan is closed the mortgage company has 20 days to return funds in the escrow account if they are not rolled over into a new loan. 

I sent a message to Freedom Mortgage on XX/XX/2022 noting this protection and they emailed me back the same generic message that it needs to be investigated and they need until XX/XX/2022 to complete the investigation. 

They have quoted me at least 5 different dates that the investigation should be completed by and not once have they ever completed anything related to my request to have the funds returned to the trustee. 

I am at my wits end trying to get the funds returned as they would help us pay a good portion of our bankruptcy off and they should have been returned long ago. I am not sure how they are supposed to have 20 days to return the funds but they have taken almost 4 months already and there is no end in sight for they funds will be returned. 

I am trying to get some oversight involved in the hopes that it will help Freedom Mortgage comply with precedent when it comes to returning funds on a closed account. 

Any help would be greatly appreciated.
Consumer complaint received 2023-01-28
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. (ID)

Submitted a dispute to Experian on XX/XX/2023 to have them remove XXXX XXXX, a medical-collection debt on my credit report. The amount is less than the {$500.00} minimum threshold established under the new credit reporting rules. Experian failed to remove the medical-collections debt and informed me on XX/XX/XXXX that the debt balance had been verified and will remain on my credit report.
Consumer complaint received 2017-10-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Started buying home XXXX ended up with subprime loan. My wife and I are seniors XXXX and XXXX XXXX XXXX an I am a XXXX XXXX with XXXX working for the government. We started having problems in XXXX and filed for a modification with Ocwen, nothing became of it. We filed bankrupt in XXXX and filed for another modification in XXXX and was led to believe that we had a modification until XXXX of this year XXXX XXXX ) and was told that we did not have a modification. We were told by XXXX XXXX XXXX in XXXX XXXX that they can and will refinance our home. They took {$550.00} for appraisal and the end of XXXX XXXX they told us they could not refinance. We contact XXXX in XXXX XXXX which we thought was this office and they took {$2500.00} of our money.We would call and could not get to talk with anyone. We are trying all we can to keep our home and continue to be taken through the ringer. We are at the point and do n't know where to turn to. We hope and pray that you can lead us in the right direction. If more information is needed, please contact us
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I tried using the XXXX system to get credit reports online from Equifax for my wife and myself today and a year ago. The Equifax site returned : " Online Delivery Unavailable. We are not able to deliver your free Equifax Annual Credit Report online. '' along with info to mail a form to get the report mailed to me. 
I was able to get online reports from XXXX ( today XXXX & XXXX in XXXX. 
Equifax should tell us why our reports are not available online.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Daily calls, often twice in a row. I have dates and times if needed. All calls coming from different numbers in different states, not stating who they are. Long calls that I often have to decline so they stop ringing after 2 minutes. Often after a missed call, they immediately call back. No voice-mail to state who they are or who they are reaching. Just constant calls multiple times a day every single day, even on weekends. I receive hundreds of calls from them. I have never recieved paper in the mail from them stating their intent.
Consumer complaint received 2017-10-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

I have requested documents numerous of times so my payments will stop. i am unable to make payment to navient. i was told i will receive documents in the mail and my payments will be put on hold. my payment were put on hold for a few months but i never recieved the required documents navient said they will send me.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (CA)

Amerinational Community Services Inc., XXXX XXXX XXXX, XXXX CA XXXX is not only a fraudulent company but also the loan servicer for the City of XXXX XXXX, CA who is the second lien holder on my mortgage which was refinanced on XX/XX/XXXX. The City of XXXX XXXX had earlier on modified my loan balance from {$30000.00} to the new balance of {$35000.00} with payment due on XX/XX/XXXX way back in XXXX due to the job loss I had when I was unable to keep up with payment. The modified balance was {$35000.00} taking into account the missed payments and late charges at the time. 

At the close of the refinance escrow on XXXXXX/XX/XXXX, I noticed from my closing statement an extra late charge of {$620.00} including the total pay off balance of {$36000.00}. I contacted Amerinational Community Services Inc., the moment I noticed the extra charge on XX/XX/XXXX to request for the refund in escrow of the {$620.00} and they refused. I had since XX/XX/XXXX been calling them since but to no avail. Could you please help me to recover my {$620.00} from these fraudsters called Amerinational Community Services Inc. Thanks.