davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

In XX/XX/XXXX, I attempted to make a monthly paymentfor my second note, which was refused. The balanceis now showing {$0.00}, which tells me it may have beensold or transferred to another servicer. I have not received anyof this via email ( preferred ) or regular mail. I now am two monthswithout a payment on the XXXX note because Ido not know who to pay. The servicer has beenOcwen and in trying to call they will not answer myquestions. I left a voice message : no response. 
I left an email message with no response. I attemptedan online email request to their Ombudsman and the responsegiven is the loan does not exist with no match forthe loan number or my soc sec number. 
I finally reached someone on the telephonetonight, and they tried to transfer me to anotherperson. I asked if they were transferring my callto another servicer, and the rep said no. She wastransferring me to another section in XXXXwho could answer my questions. I asked if myloan was transferred to another servicer, and shesaid she could n't answer, which is why she wastransferring me to someone who had the clearance. 
This morning I received a call on my home phone, but was too late to answer. They did not leave a messageand, when I redialed the number, got a fast busy signal. 
I have had people call me at work yet they do not leave a message.
Consumer complaint received 2016-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc. (CA)

Have sent letters to collection company that this is not my account. Have asked them to send me copy of a signed contract. Collection company has failed to respond to my letters in the past 3 months.
Consumer complaint received 2015-06-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Violation of the California Homeowner Bills of Rights : PennyMac violated automatic stay rule while modification in process ( Notice of default XXXX/XXXX/15 ) Notice of Sale ( XXXX/XXXX/15 ) for an auction date of XXXX/XXXX/15. During this time period, my loan was under modification review and I was told that the foreclosure was suspended. After being rejected, I submitted the paperwork for a second review within the 30 day time period. I never received status on the results of the review. I was told by one PennyMac individual it usually takes a " long time '' and then by another individual that I need to " re-submit an entire new modification package ''. 

Not assigned XXXX person throughout process ( talked with XXXX people and received different status and direction from each ) they said they were part of a team however all were unfamiliar with my loan status or able to give me proper direction. 

No access to decision makers ( and their Supervisor ) only through voice mail in which the messages were never returned. Furthermore, I never received status of XXXX-look. representatives from PennyMac were never able to reach the decision makers because they were always in " meetings '', " on the phone '' or " unavailable ''. 

Delay of entering documentation into system : The documentation would be sent through a fax cover sheet provided. They would say that it takes 48 to 72 hours to receive into the system. In the meantime, it is eating away at the 90 day time period because of the delay. I was required to proactively call as all documentation would not move to the next person unless you contacted them. 
Knowledge of California State law : When I received the Notice of Default, they were unable to discuss the time-line with me because they were " not familiar with California Law ''
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (DE)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX ( Original Creditor : SYNCHRONY BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2016-04-06
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: American Credit Acceptance, LLC (FL)

I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/XXXX that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

American Credit Acceptance requested a 60 day extension to resolve this matter. This is a direct violation of the FCRA. By requesting a 60 day extension when the original dispute was filed XXXX XXXX, XXXX is evidence that American Credit Acceptance does not have the information necessary to justify the inquire that is currently displaying on my XXXX Credit Report. American Credit Acceptance is in direct violation of the FCRA Section 1681 ( a ) ( 4 ). I request that American Acceptance remove this unverified inquire from my XXXX Credit Report Immediately. I intend to seek legal action if American Credit Acceptance continues to willingly and knowingly deny my rights under the FCRA and for damaging my creditworthiness and credit score causing great distress.
Consumer complaint received 2015-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Hillcrest Davidson & Associates (TX)

the original creditor XXXX account was and is part of a chapter XXXX bankruptcy they have sold the account to another Leander for the 3rd time HILLCREST DAVIDSON AND A
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

In 2015, I took out this loan for XXXX XXXX. I signed a master promissory note. Per my contract, the alleged debt was paid for using a negotiable instrument which is my promissory note. According to 16 CFR 433.1,2,3, a promissory note is a promise to pay and my social security number was used to extend credit for this note meaning this is already paid for. Title 18 states all alleged debts are the obligation of the united states. I am invoking my rights as a federally protected consumer and debtor.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

Citibank card ( XXXX ) has been calling both my husband and I and harassing us at least twice a day, every dingle day about payments being late. In addition to this, we receive about XXXX letters of correspondence in the mail per week telling us we have late payments. All of our payments are on time, and we have never made any late payments. Since we have made a complaint with the CFPB in XXXX of this year, and the harassment has not ceased, we are contacting our attorney and filing lawsuit. I want Citibank to cease and decist all collection attempts for this now alleged debt, and any further communication by telephone or mail will be collected as evidence of further harassment. We expect a check in the mail as a provisional settlement on this account in the amount of {$1100.00} in the next 30 days, which is the total amount paid forward on this account to date.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Experian, I disputed XXXX XXXX XXXX XXXX as an fraudulent account. All Experian did was add an fraud alert to my report but did not delete or block the account. This account is also attached to the inaccurate address XXXX XXXX XXXX, you have listed. Ive filed an FTC report listing that address and this XXXX XXXX XXXX XXXX account in which I mailed in to Experian, along with my proof of identity. This has been an ongoing battle. Each time I get requested to send in more documents, I fax them it and to get the same results an updated account with no changes to my report. This is very frustrating and embarrassing. How is the consumer ( me ) being protected if the bureau ( Experian ) is being allowed to break the laws. If an item on your credit report is inaccurate or incorrect then it should be removed.
Consumer complaint received 2017-02-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am getting the runaround from the holder of my FHA mortgage loan Bank of America. I experienced a true hardship about a year ago when I was laid off from my job. I began trying to reach out with Bank of America in order to apply for some type of assistance since I missed several mortgage payments. I was assigned to someone named XXXX XXXX who said she was going to help me get back on track. After going back and forth for many weeks I was told that my request was denied because I did not make enough money. I found this hard to believe, and went back through all of the paperwork. I then resubmitted all of the information again to Bank of America. After going back and forth for several weeks I was told once again that I was denied for help. However, this time I was told that I was denied because I made too much money? This did not make any sense, and led me to believe that Bank of America is not playing fair and is more interested in pushing me into foreclosure. I know that there are FHA programs available to help struggling homeowners. I was approved for a modification back in 2013 when my hours were cut at work. I was able to make my payments on this modification as agreed until I was laid off from my job. Now Bank of America is moving me into foreclosure. 

I have owned my home for 10 years. I have gone through many financial struggles which have caused me to periodically struggle with this loan and the payments. But I have always righted the ship and settled up and gotten back into good standing. At this time I am back working XXXX. I also have a live in girlfriend who is contributing 100 % of her monthly income from her job XXXX. If B of A were to conduct a current and correct assessment of our financial situation they would see that we fit into the guidelines for assistance. The problem is that it seems that their agents are intentionally obstructing the process and providing false and misleading information. 

The value of this home is far less than what is owed at this time. But I view this as my home, not as an investment and I want to fight to save it. I know that FHA has several different programs in place to help struggling homeowners and I believe that Bank of America is not following the rules and guidelines in this process.
Consumer complaint received 2022-02-11
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. (NC)

TransUnion is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. I spoke with an agent on XX/XX/2022 regarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Transunion, account were successfully deleted. With blatant disregard for FEDERAL LAW, an account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IA)

On  XXXX   XXXX    XXXX   I called   XXXX   XXXX   to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called   XXXX   XXXX   and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I purchased the total protection plan through Best Buy in which I cancelled less than 72 hours after making the purchase. 

I received a cancellation email to confirm. that my the service has been cancelled I later received a bill for the total {$190.00} charge of the plan I then called card services to dispute the charge I receive another statement in the mail that is charging me for the full amount I contacted the company and was told that I could only be refunded {$47.00} because of the " service charge ''
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-02-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (MO)

I am regularly sending this debt collector {$20.00} per month as a check. They sent me a letter stating that on XX/XX/2017 I " provided verbal, recorded consent as your electronic signature authorizing [ the debt collector ] to process reoccurring, electronic funds transfers from your bank account ... '' I did not speak to them by phone. They could not produce this recording if they were asked for it. 

They go on to say that " this payment authorization is valid and will remain in effect unless you notify [ the debt collector ] ... '' I take this as a threat to illegally seize money from my bank account unless I contact them to dispute their lie. I do not want to contact them. I am paying this debt off, slowly.
Consumer complaint received 2016-09-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is my fourth time I am complaining about Bank of America! They have not done or helped me with the three first complaints, and they once again hit with another late fee charge for what reason?! They transferred money from my savings to cover a charge on my checking and hit me with a {$12.00} fee for the transfer are you kidding me! I rather stay - {$1.00} then {$12.00} and then they hit you with an extended over draft fee or a transacting transfer fee! This bank is a con all the way! They help themselves not their customers who keep them in business!! I call for help and no one at Bank of America can help you EVER! Always excuses or we ca n't do anything or you reached a limit! Sickening!! I do n't make much money, and my father just passed away and I am bleeding money, and this bank is just taking the little bit I got left. I got hit with all the funeral and hospital expenses and I have no money due to this bank!! I also got {$200.00} stolen from my account and this bank stI 'll has returned my calls, or returned my money. They call you and you call back 10 min later nobody picks or calls back! I do n't recommend this bank to anyone!! Bank of America is a con and a joke. They rob people legally and that is not right!! I work hard for all my money I make!!
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (TX)

Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update or corrected immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (NH)

An account that was discharged via bankruptcy from XXXX has somehow found its way into a new collection agencies hands ( National Credit ADJUSTORS ) and has now become present on  my credit reports as a collection as of XX/XX/2020. This new collection account is LOADED with inaccurate information, contradicting information, ( ex : XXXX  has the account showing as discharged via bankruptcy, and this account has been allowed to pop back up as a collection while still showing its discharged??? ) Furthermore the dates, amounts, source etc. are all wrong! XXXX  dispute was useless and in the reporters favor and havent provided me a stitch of proof or evidence. This company has also failed to make any attempt to contact me by any means and instead decided that they would just report this frivolous inaccurate account. I want it deleted immediately. This is grimy practice.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (ME)

Pioneer Credit Recovery , Inc contacted me about my ex husbands debt. We have been divorced for 7 years and I have no financial affiliation with him at all. The phone number they called from is XXXX ( XXXX ) XXXX and the call back number they left in the voicemail is XXXX. They were trying to shake me down using scare tactics to get me to pay money that I do not owe.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

When disputed with the credit bureaus all Midland Credit did was report the balance increase by {$1.00} and it was never properly verified. 

I have requested the proof of debt three times and have not received it.
Consumer complaint received 2017-03-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

Grocery store located 2 states away notified me that an employee found " my '' debit card in the ATM machine. Card still has activation sticker and is issued to my old legal name. This debit card and associated account was obviously opened fraudulently. Have only the debit card number. Spoke with issuing bank ( Citibank ) and the most they would do was cancel the card. Citibank would not provide any further information, citing that they could not verify my account information or identity, nor would they at least freeze the account pending an investigation. They then directed me to contact XXXX and led me to believe it was within Citibank. Turns out it is FTC. I have already placed a fraud alert through a credit reporting agency and looked at 2 of my credit reports for any suspicious information. Since the credit reporting agencies deal with credit and not with bank accounts, XXXX advised me to contact the Consumer Financial Bureau, from which I was advised that I could file a complaint. I think Citibank ought to at least freeze the account in question pending a thorough investigation. Canceling the debit card while helpful is insufficient action since the card was already abandoned. I also need to know when, where & how the account was opened for reporting & investigative purposes. I can not track down the perpetrator ( s ) and press charges if I can not find that person ( s ).