davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (VA)

Payoff of mortgage provided by bsi on XXXX I paid off the mortgage on XX/XX/2021 to avoid foreclosure. Was told by employee which is included in supporting document that the payoff was short by XXXX. Due to home going all the way into foreclosure. That this number was not included in the payoff. 



Why would I reinstate a loan that is being paid off! I am fine with paying the XXXX due to the home going into foreclosure to pay for your attorneys even though and because your company provided an internal document that showed XXXX. The document attached is not an internal document and it says XXXX Now you are telling me the loan payoff is over XXXX. How does that happen! This loan should have never been reinstated Please review documents from your employee and payoff provided by your company.
Consumer complaint received 2020-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

We noticed a change in our Credit Score and found a LATE PAYMENT notation. We found it was from PennyMac the company that holds our Mortgage. We logged on to our account and found that the XXXX payment was not applied and had a notation that it was in " Suspense ''. Called to find out that we were short {$14.00} due to a change in the Escrow Account. I asked why they didn't contact us to let us know of this shortage as we could have made the payment to avoid this issue and they couldn't give me an answer, only that they followed the accepted business practices, Of course they kept our money for a whole month before applying the payment. Just think how much interest they must earn when this is a common practice for them. We were in the process of looking into refinancing this loan to a lower rate through the VA IRRL ( this loan is at 4.25 % and we were offered 2.75 % before this happened. We have asked them to withdraw this Late Payment from the Credit Bureau 's and they refused. We had also signed up for Covid Forebearance ( we haven't missed any payments but were paying Late Fees under the 30 day limit ). After his happened they did put the Loan in Forebearance and we do not have to pay the Late Fees ). After researching we found they have a poor rating with the XXXX   and I can understand why. We make all our other payments through our bank using e-bills so they are paid automatically every month. PennyMac does not offer e-bills like all the other Financial Institutions so we have it set up to be paid every month. Evidently we did not notice or see the statement where they had many a change in the payment amount. But the point being is they show very poor customer service in regards to a shortage of {$14.00}. The people who look at our Credit Report will think we missed an entire month 's payment when it was only {$14.00}.
Consumer complaint received 2018-07-26
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. (DE)

I currently have loans with XXXX totaling {$89000.00}. 8 out of 9 loans are private loans and the last is subsidized. After graduating college, I had a hard time making payments so I called the company in XX/XX/XXXX to be put on a payment plan. They were not clear whether I was on an income driven plan or a lower APR plan with extended terms, or both. I never received any disclosures. Before you enter a payment plan you must make the first 3 payments of the plan before they consider your account to be brought current. So while I was paying on my loans I was still being reported delinquent and some months I was paying up to {$400.00} a month! Once your plan ends there is no notification that you must renew. They clearly state in multiple places that they do no delete past due payments on your credit report. My credit is ruined because they reported me delinquent although they were taking automatic payments out of my account. This is so unfair and deceptive.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (KY)

XXXX XXXX has a collection account on my credit report that is not mine. I have requested proof of debt 4 times. Including certified mail. I have not received any response from them. When I call them I get bounced around and can never speak to anyone. This is not my debt. I'm not sure what other steps I need to take. Thank you for your help.
Consumer complaint received 2018-07-26
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. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( experian ) XXXX XXXX XXXX Account Number XXXX. ( experian, XXXX ) XXXX XXXX XXXX Account Number XXXX ( experian ) XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2018-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX ) XXXX XXXX XXXX Account Number XXXX. ( XXXX XXXX ) XXXX XXXX XXXX  Account Number XXXX ( XXXX ) XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2018-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

I C Systems have been reporting an erroneous Collection account under my XXXX credit file for sometime. 

I sent them 2 letters via U.S. Mail and both letters have gone unanswered. I mailed the letter to them to their offices in XXXX XXXX, Minnesota as per their website. ( ICSystem.com ). 

They are willfully in violation of the Fair Debt Collection Practices Act ( FDCPA ) and also the Texas Fair Debt Collection Practices Act ( State XXXX XXXX ). 

They have failed to provide verification of this alleged debt. The FDCPA states " If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Such asserted disputes must also be reported by the creditor to any credit bureau that reports the debt. Verification should include at a minimum the amount owed and the name and address of the original creditor ''. They have failed and I have given them now over 60 days. 


As of today, I have formally sent a complaint to the Federal Trade Commission, the Texas Attorney General 's Office and also have made contact with a Law Firm to see what my options are. 

I will be suing for willful violation of all Acts and also sue for financial harm since I have been turned down for credit after applying for credit and having this frivolous trade-in on my credit report. 

They have until the close of business of XX/XX/2018 or I will file a personal lawsuit against IC Systems or have my outside counsel file a lawsuit. 

Thanks, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA (MI)

My husband and I had credit cards through First National Bank of Omaha in XX/XX/XXXX and XX/XX/XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. We received a judgment from XXXX XXXX XXXX XXXX for both credit cards stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XX/XX/XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. We called XXXX XXXX XXXX who directed us to their lawyer at XXXX XXXX XXXX, XXXX who laughed when we told them we had paid this off and told us to prove it.
Consumer complaint received 2022-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (TN)

This company is constantly changing their policies without notifying their customers. Currently the only way to make a payment or review your account information is on their app. Ive been a customer for almost 2 years and was recently notified I need to verify my account again, all requested information was submitted and I still unable to access the app. I was told the turnaround time would be 5 days and it is been more than 2 weeks. I was reported as late a few months ago due to an issue with their app disconnecting from my bank account and not processing the auto pay. I do not want this issue to cause another late payment. I really need help with this, I have reached out via contact us links as well as on social media with no response. Upon further review of the comments on their XXXX profile, many people are having the same issues and we are all struggling with this company to be provided basic access to our accounts so we can take care of payments etc.
Consumer complaint received 2020-11-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX filed a civil complaint in a county i do not reside in on behalf of plaintiff Midland Credit management , Inc for an alleged credit account of XXXX XXXX  in the amount of {$8900.00} without any prior notification to dispute the debt. This debt is unknown to me. The hearing date is scheduled for XX/XX/2020 and I just received notice on XX/XX/2020 from district XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX PA, XXXX, phone XXXX docket number XXXX. 
Midland Credit Management , XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX. 
It has also been brought to my attention that Midland Credit Management is under Federal district court stipulated finial judgement and order case number XXXX on Behalf of the Bureau of Consumer protection civil action XX/XX/2020 for Midland Credit Management Inc for such violations as this.
Consumer complaint received 2018-07-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX  : XXXX   2.XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX   3.XXXX XXXX XXXX : XXXX, Experian : XXXX, XXXX : XXXX   4. XXXX XXXX XXXX XXXX XXXX  : XXXX 5. XXXX XXXX XXXX : XXXX, Experian : XXXX XXXX : XXXX
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I received a phone call on XX/XX/2021, stated this Fraud dept for Wells Fargo Bank, saying there was a fraud on my checking account charges of {$1200.00} with XXXX  XXXX  and two more transactions of {$250.00} each then ask if someone by the XXXX XXXX ask twice if knew this person. I replied to him do not know this individual by the name of XXXX XXXX. At the time I was at home on my computer. I went to my email there was an email to me with Wells Fargo wire transferReciecipent add to My account which I didn't authorize person on the phone told me he was moving all my monies. One account and locking at That time money was the move from 8 accounts. One of my accounts wire transfer to a person by the name XXXX XXXX to XXXX XXXX in my XXXX there was an email added to my account Email address : XXXX. Wells Fargo ha has denied me 9 times. I also have a XXXX XXXX XXXX account Document that was submitted on XX/XX/2021, received on XX/XX/2021 cert # XXXX. 
Wells Fargo Claim # XXXX. It has been over 45 days since XXXX XXXX XXXX has not received the 609E process document
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

An unauthorized charge appeared on our citi charge card in the amount of {$1100.00} on XX/XX/18. I immediately disputed the amount with the credit card company. I also tried to contact XXXX  to whom the charge was made. Unfortunately, it appears XXXX is unable to be contacted and only the people who can use their website are the people that sell the product. My husband or myself do not sell this product so we are unable to contact anyone at the company. We are not able to log in at all to make any purchases. 

I complained to the XXXX XXXX XXXX about the lack of communication afforded to the general population and XXXXl did contact me but refuses to reverse the charge. I also contacted Citi cards a second time to dispute the charge again. Citi card responded by saying " Due to conflicting information, we can not mandate the merchant to issue a credit to your credit card. '' Nobody is bothering to investigate this fraudulent charge which means this will occur again! If anyone investigated they will see the address where the supplies were sent and the name that was used clearly don't match. In addition, we are unable to log in to the XXXX website proving no purchases were made.
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (PA)

On XXXX XXXX XXXX, received call from associate XXXX. Said associate failed to provide proper call disclaimer. 

I immediately asked said associate to provide the name of the person that called my phone two days ago. Said associate disregarded the question and proceeded to third party debt collection requests. I asked a third time and was asked why u needed the name. I inquired of the name because the associate that phone left a voicemail advising the call was from a debt collector ... which is against FDCPA requirements. XXXX persisted today advance her script of collecting the debt and I refused to entertain as my question wasnt answered. XXXX advised it was my debt and that my credit would suffer and disconnect d the call. 

I called the company back. Asked to speak to a manager. Call was transferred to XXXX XXXX. Initially said manager appeared attentive and concerned. However, he then disengaged and proceeded to collect his alleged debt. I advised my complaint about XXXX was not addressed. After moments of back and forth the manager wanted me to give permission for him to discuss the debt. I advised I never received the requir d thirty day notification. Manager advised the letter was sent twice. I not d I called in a few weeks ago and was provided a website to pay the alleged date with th account number. However said manager noted there was no inbound call from me noted in the record. When I pressed the topic, his storyline changed to acknowledge the call. However when it was apparent I wasnt acknowling th alleged debt XXXX advised he had other callers willing to pay their debts and I could call back when I was prepared. He disconnected the call.
Consumer complaint received 2022-01-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2020-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Due to the covid-19 pandemic, I was stuck overseas from XX/XX/XXXX to XX/XX/XXXX. My XXXX XXXX XXXX Credit Card XXXX by Bank of America was closed due to long-term inactive. Since I was not able to reach any physical mail notification sent from Bank of America, I had no clue the card is closed till XXXX. I contacted Bank of America to figure out any solution to recover my credit card and the unused reward points on this card in XXXX and the initial agreement between me and the agent is that it is not possible to reopen my account but BofA will issue me the points value in money and send me a check. After a long period of time, there is no follow up from BofA until I create a claim in cfpb. BofA close my case on sided without contact me with any solution. We had conversation in XXXX after I submit my feedback but the latest response from BofA is that it will not reopen my account or give me money back for the losing reward points.
Consumer complaint received 2018-07-26
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: EQUIFAX, INC. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX  ) XXXX XXXX XXXX Account Number XXXX. ( XXXX, equifax ) XXXX XXXX XXXX Account Number XXXX ( XXXX ) XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2021-05-05
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 — Was not notified of investigation status or results
Company: Monterey Financial Services LLC (PA)

I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is MONTEREY COL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged account.
Consumer complaint received 2018-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc (WA)

My credit report states that I have a collection with XXXX XXXX XXXX. 
Since XX/XX/2018 I have requested twice that they send me information about the collection, date of service, patient, place of service. The account is also reporting Joint. I do not have any Joint accounts. 
Called again today XX/XX/2018. there was no answer.