davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

Mountain America Credit Union is reporting a late for XX/XX/21 on my mortgage and I was never late. I have made my payments on time for this account and am very confused as to why there is a late payment reporting. The money came out of my account on time. This needs to be removed.
Consumer complaint received 2017-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XXXX XXXX XXXX is a senior on XXXX XXXX living alone and in and out of the medical facilites for various medical treatments and procedures. She did in fact hire several law firms to take care of her bills and and her home and all 3 of the the law firms with licensed lawyers with so called experience took her money and even the attorney she gave her check book to pay her expenses is no where to be found. 

After returning to her home she found that none of her bills ( even her utilities were off ) nothing was paid as well as her mortgages. She is now faced with a foreclosure on a second mortgage serviced by Ocwen Loan Servicing. She has tried to speak to Ocwen but has not been able to work out any solution so far. 

She is facing foreclosure on XX/XX/2017. She pray that she will have a chance to save her home. This is a XXXX second loan serviced by Ocwen. 

XXXX has monies available to her that she inherited from her late husband. 
She is able to make payment arrangements and she need and want to save her home. 
She is looking for help ... Please help her!
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX I got sick since that year I stopped working my heath got worse befote that day XXXX have no money problems and my credit was really good XXXX I got XXXX and my health is not getting better but worse most of the people I owed money try to get their money and some of them sue me in court some of them started to call home nonstop they try any way to get their money because I am in desability my money is really limited XXXX of them is mcm XXXX this company is being calling nonstop and trying to get me to court today I received a letter from them they are they started another sue in court case # XXXX this letter is saying that I have to give them information about me they called fact information sheet they keep trying but true is only makes me more sick with this problem I can sleep my heath gets worse with this people calling me I never even heard about how much I owe them and if this amount of money is true or they are making it up how much I owe them and for how long I need help from this people they keep my harassed me any way they can calling my neighbor calling late at night or Sunday or early morning
Consumer complaint received 2017-10-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I would be eligible for over a year student loan forgiveness as I work as a mental health provider for a non profit. However, I was never informed of this. Instead due to my low income and being a XXXX mother I was talked into more like forced into derfeenr or forbearance as I had to chose between paying my mortgage or student loan. Now with interest I owe more than several years of my gross salary.
Consumer complaint received 2021-07-05
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: EQUIFAX, INC. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (CA)

I made a mobile deposit on Monday XX/XX/XXXX. One hour after deposit I did some research and notified the bank and my bank of possible fraud. I repeated and plead for the check to be removed out of my account as the person who paid me was fraudulent. I was promised over and over it would be removed. I have spent day after day to try and resolve this matter. Now my account is froze and showing a negative balance. BBVA compass gave me the run around and would not remove fraud check off my account when I am the one who notified them of the problem and now it is stopping a direct deposit from coming in positive and now funds are showing negative in my account. I have spoke to many people and supervisors regarding this incident and now I have no money for my children. The check was for {$1900.00},. It was a bad check and I have emails and conversations with the scam artist. I also notified XXXX XXXXXXXX XXXX in Florida and I also spoke with XXXX and the bank is now known as XXXX XXXX in XXXX XXXX Florida. A direct deposit will be coming in On XX/XX/XXXX for my co owners account for {$1200.00} and my account is showing a hold of a negative balance. I am trying to resolve this issue and have provided both banks with a copy of the fraudulent check. I have been contacting for 4 days to resolve this issue.
Consumer complaint received 2015-12-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I owe about XXXX in private student loans. I am XXXX years old and unable to afford a mortgage and move on with my life. is there any way I could pay less or have something forgiven? I am with navient and have a very low interest rate. I am paying XXXX in private loans and XXXX in federal. I 've called many different Places with no help. please help me.
Consumer complaint received 2022-03-31
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. (TX)

I have notified Transunion that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. Inquiries
Consumer complaint received 2017-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (NY)

On XXXX/XXXX/XXXX my wife received a letter from XXXX XXXX XXXX XXXX XXXX, GIg Harbour, Washington XXXX. In that letter they listed debts solely owed by me and attempted to convince her she too was responsible. The debt involves unpaid parking tickets on a vehicle solely owned by me. The account # is XXXX. Not only did they share privileged financial information with a non party but they attempted to convince my wife she was responsible for the debt. XXXX XXXX also refused to provide the nys licensing information and indicated that she was not required to do so. XXXX also would not let me speak and indicated that my wife would be in trouble if she did not pay.
Consumer complaint received 2017-10-06
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. (NC)

I have over 60 inquiries on my credit report. The only one that is valid is XXXX XXXX. 
The other ones are fraud. I have an fraud alert on my file as well. 
I have contacted the equifax over the phone and in writing. 
They refuse to cooperate with me telling me although they are fraud inquiries they ca n't delete them and, I know this to be false. 
The inquiries are affecting me tremendously.
Consumer complaint received 2017-10-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: J & C Auto Sales of Collier County, LLC (FL)

My credit shows that I owe j and c auto sales a little over XXXX dollars for a vehicle that I voluntary gave back to them in XX/XX/XXXX. I have contacted the company via phone and was told by a gentleman by name of XXXX that he would not provide me with any documentation of what I owe them for the vehicle. After I turned the car into them, the vehicle had been re-titled in the company 's name around XXXX XXXX, then sold to leased to another customer. The customer then gave the car back to the company which it was then re-titled back in the company 's name around XXXX XXXX, then vehicle was then sold to another owner the same month. The FL DMV has documentation of these sales and re-titling.
Consumer complaint received 2017-11-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XX/XX/17 at XXXX Eastern was the last call. There have been several others that I did not log the time ( I will if this continues ).
I XXXX XXXX XXXX as my source of income. The phone number involved is a mobile phone that I use for work. Passengers need to be able to contact me. I have received multiple calls from Portfolio Recovery after telling them to never contact me on my business number.
Consumer complaint received 2017-11-17
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BBVA FINANCIAL CORPORATION (AL)

BBVA-Compass admitted to making an accounting error ( CFPB Case # XXXX ) which left me with a {$20000.00} bill and not a mortgage. I request the right to have the bill converted back to an up to date mortgage. Because at the time of the accounting error, I was making timely payments. Also, I want to be allowed to refinance the {$20000.00} mortgage at the current interest rate based on my credit scores : XXXX, XXXX ; XXXX, XXXX.
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (MA)

I called CMC Funding XX/XX/2019 to get a payoff amount on my mortgage, first payment due XX/XX/2019 but sold my former home so I wanted to pay in full. Sent a certified check for the full amount on XX/XX/2019 knowing there would still be interest owed. Called XX/XX/2019 to find status since I received a letter saying I now owed two months of mortgage payment. Was told if a check for the shortfall was not received by XX/XX/2019 my original check would be returned. Immediately the doorbell rang, there was UPS with my original check, on the XXXX! I called CMC, spoke with XXXX who gave me an additional amount to pay. Left for the credit union right away, wire transferred the original amount of {$320000.00} plus an additional {$1900.00} in interest. On XX/XX/19 received notice of foreclosure. Called immediately, spoke with several people who claimed a shortfall letter had been sent ( I never received anything ) interest was still being charged, yes they had my wire transfer but it had not been applied since it was not the full amount. I asked how I was supposed to know this and they said a letter had been sent. We went around and around until finally I was given an additional amount to wire transfer to stop the money bleeding. A claim was supposed to be initiated, I did receive a check for {$160.00} for escrow (? ) but no additional explanation. I don't feel I should owe any interst after XX/XX/19. Customer service did nothing but give me the runaround, made it difficult to payoff the mortgage and I still don't think they have been accountable.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

Company had enrolled me in payment plan. I had made or exceeded the minimum payment as shown on my monthly statement. Company reported a 30 day late mark despite this. Periodic calls to company resulted in being told account is fine/good standing/showing payments received. Upon identification of credit mark, escalated call to company and was advised was " speaking to wrong department as my account is in special program ''. Statements clearly show payments as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} Spoke to representative about amount showing past due on XX/XX/XXXX, XX/XX/XXXX statements prior to negative credit mark in XX/XX/XXXX. Was advised that this will continue to show since I am on a special payment program. 

Statements did not reflect past due amount in minimum payment due. Thus, statement incorrectly showed the true status of my account. Enclosed are statements for XX/XX/XXXX-XX/XX/XXXX,  which clearly depict the minimum payment, and the amount of payment made. 

Again, several calls made to XXXX XXXX during XX/XX/XXXX-XX/XX/XXXX about past due amount v. minimum payment due. Each time I was advised that this is due to my " payment program ''. 

Was wrongfully advised by customer service as well as statement documentation ( enclosed ). Payments were made according to the minimum payment due. 

Company refuses to acknowledge their misleading representation of my account status. This falls under Unfair and Deceptive as a UDAAP violation. The company did not act in a way as to their fiduciary responsibility to protect me as a consumer by incorrectly specifying the minimum payment due on my account.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Equifax has deleted all the accounts below that should be on my credit report. 

CREDIT CARDS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$52000.00} Good
Consumer complaint received 2021-07-05
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: SLM CORPORATION (NY)

I was heartbroken when i checked my credit reports and saw that i have a late payment being reported on my credit its been a struggle for me since COVID i lost my job and with the COVID act no company is supposed to report any late payments to the credit bureaus so you are in violation please remove all my late payments i am trying my best to get back on my feet
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Our complaint is against XXXX and BOA. 
Our original loan was taken out with BoA which had agreed in XXXX of XXXX to a modification that we had requested in XXXX because of a drastic change in our income. We had never been late, or behind, and according to BoA have been super responsible to come ahead of time to see what could be done. So from than to including XXXX XXXX, numerous failed attempts of BoA to put the modification in their systems to reflect properly. We have XXXX folders full of written communications with XXXX XXXX, teamleader and assigned manager to deal with the problem, as well as voicemails, from him and other employees working for the office of the president of BoA reassuring us that the modification is completed, and we would get out credit repair and a letter of apology. In XXXX of XXXX we where told that BoA exidenly assigned the deed to XXXX. BoA send a Fax the same Day to XXXX from their Legal department and provided a fax for us as well to proof that they are getting the loan back. Upon further research we found that XXXX does n't own the loan, the deed is held by XXXX XXXX a division of XXXX and not XXXX. XXXX threatend to foreclose, and BoA would stop it, all along promising all is well, and because BoA was always stopping all actions taken by XXXX we believed. Until we ended up having to file bankruptcy to stop forecloser action the morning of, even though we had been told by Bank of America not not to worry everything is fine on the same day. We had to get a lawyer which, has created a lot of off out-of-pocket expenses. We ca n't get BoA or XXXX to finish this or even give us an answer! We think that this is unacceptable, plus now we are finding evidence that transver was n't handled lawful.BoA advised us to not make payments to XXXX, because we would admit to the original dead, and modification would be canceled out.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (TX)

XXXX XXXX 2017 i received a denial letter from a bank and one of the so called credit reporting agencies was XXXX XXXX XXXX. who are these people and where to they get the authorization to have all of my credit information. they also say that my credit score is atleast 200 points below everyone else. They also say that have too many delinquencies, which i do n't, limited history for consumer at this phone ( if they are talking about my cell phone number that i use i have had for over 20 years ) the number of accounts with delinquency and not enough bankcard debt experience.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CT)

On XX/XX/XXXX I had received a email from XXXX XXXX that my credit score has changed and when I went to check it dropped quite a bit from where I was at. I searched to see what the issue was and I seen that Jefferson Capital Systems has put a collections on my account for {$2900.00} and some change, from where? I have no clue at all. I don't recall me owing that kind of money to anybody. No information has been sent at all, somehow they have my social security number but when I went on their website to try and see what mess this is, there isn't even an account when I look it up with my last name, lat 4 of my social and my phone number, but when I call the automated system and I put in my full SSN, that is when the amount of {$2900.00} was said. No customer service, no actual line to speak to someone... nothing. This " company '' has poor reviews of doing the same thing to other people pulling debt from years ago making it into a collections account as of present day which is highly illegal. I have no clue what this debt is for, I tried to reach out 5 times and nothing yet. I can't buy my new house or car yet thanks to this lovely " debt collector ''. I want this collection removed ASAP! or I will sue if I don't get answers!
Consumer complaint received 2024-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NC)

Have been paying back this XXXX loan for XXXX years. Loan amortized in XXXX XXXX XXXX. Due to changes in the interest rate, slowly and over a period of months/years, I am once again paying more towards interest each month and less towards the principal. This is predatory and clearly designed to ensure that I will never be able to pay this loan off. Based on my calculations, I have paid {$38000.00} since XXXX XXXX XXXX, which is {$13000.00} more than the original loan amount of {$25000.00} .... I've paid nearly 150 % of the loan. I understand that this loan is a variable interest rate, which can change over time and it's not locked in. My issue is that my " current loan balance '' is XXXX, which is not even {$1000.00} less than the original amount despite having paid on it for more than a decade and paying out well over the original loan amount. This is preposterous and predatory lending.
Consumer complaint received 2021-07-12
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2017-10-06
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has shut off communications ( see Exhibit 1 ) and has refused to correct its mistaken duplicate lien that it added onto the subject property. Bank of America has failed to submit a title insurance claim to XXXX XXXX ( see Exhibit 2 ). 
Bank of America points its finger at XXXX. However, XXXX, the mortgage servicer only, was not the responsible mortgage note holder that created a duplicate erroneous lien ( see Exhibit 3 ) Bank of America was. Moreover, XXXX is a company that is out of business, and the fiduciary of XXXX corporate corpse accepts no responsibility ( see Exhibit 4 ). 
To repeat, Bank of America acquired the $ XXXX mortgage, for which the complainant has been paying for ever since then as part of her consolidated mortgage ( see Exhibit 5 ). But Bank of America, obligated to ensure that its new lien/mortgage didnt duplicate another lien/mortgage, failed to do so ( see Exhibit 6 ), leaving the complainant with extensive damages!!