davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genesis Credit Management, LLC (CT)

Genesis Credit Management continues to call me regarding a debt that I have disputed and do not owe. I have sent them certified letters disputing the debt and subsequent letters telling them to stop contacting me. They continue to call after XXXX and at times as early as XXXX or XXXX.
Consumer complaint received 2015-06-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: INTEGRAL RECOVERIES, INC. (NY)

Integral Recoveries Inca is attempting to add interest ( {$17.00} ) to a Medical debt owed to XXXX XXXX NY. I would like to see original signed agreement where an interest accrual was permitted on this Medical debt. The company also threatens to report to major credit reporting agencies if not paid. Credit reporting is for consumer transactions, not obligations such as Medical, XXXX etch. See XXXX vs. XXXX. This notice not only provides an inflated balance but threatens credit reporting when they have no legal right to do so under the FCRA
Consumer complaint received 2020-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Despite many telephone conversations with their " technical support team " they are unable to operate the TV boxes. When I asked to send XXXX  TV technician to my house to fix the problem, their answer is that all the problems are solved via telephone .FYI all the phones calls are directed to XXXX not in the XXXX of that I have sent back the 3 TV boxes and cancelled their service in XX/XX/XXXX.All the details are included with the package sent to Capitalone bank to backup my complaint.Capitalone is the one who failed to protect my rights and kept credit my account one day and debit my account in the next transaction.This situation has been going on since XXXX until now as I am typing this message.I am retired and my only source of income is from my social security and this situation has created a very serious impact in my income. 
Looking forward to your help. 
Sincerely yours
Consumer complaint received 2017-01-10
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I was scrutinized and asked for very personal information for a loan for {$6000.00}. I was also treated with disrespect. I was approved at first but when I went in the office to close on the loan I was asked for more personal forms of information that I thought was unorthodox for a small loan when I had already been approved. I never even received confirmation that my documents were disposed of after I was denied the loan.
Consumer complaint received 2016-02-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (GA)

I signed up for the checking account promotion for the performance select checking where I should have received a bonus for meeting certain requirements within 60 days of opening the account. I was told by the branch person, XXXX XXXX, that if I direct deposit {$2500.00} I 'd get {$200.00} and if I did {$5000.00} I 'd get {$300.00}. Within the 60 days I direct deposited {$2500.00} but did not receive a bonus in my checking account, which is now six months old. Reading the fine print again, if I did n't deposit {$5000.00} in the product type that the person opened for me, then I get nothing. That is not at all how it was explained to me in person, which was completely misleading. They should have put me in the right product, not what is best for her or the bank 's stats.
Consumer complaint received 2015-08-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (FL)

I have an auto loan with BMW Financial USA. On their website, I had the option to set up an automatic debit for payments each month. This tool also allowed me to designate an additional dollar amount that would be drafted and applied toward principal. 

While perusing my online account after the initial draft was applied to my loan, I noticed that the additional payment amount has been applied toward my next month 's installment payment and not toward the principal balance. 

I am still in the process of resolving this issue with BMW Financial USA.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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. 

The following Accounts Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (WI)

Phone calls have been made to me from the following phone numbers : XXXX ( XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ). When I call these numbers back they have no record of me or of calling me. The women at XXXXXXXX XXXX I talked to said it was weird because her phone rang for a second with a restricted number and then stopped ringing. I believe this debt collection agency is spoofing govt phone numbers and pretending to be them to collect a debt that I don't believe I owe. I can't imagine this can be legal? The information I have gathered is XXXX debt sold to NMRC, they have called my father and stated they were the circuit court and papers would be delivered to my home between XXXX and XXXX that day which never happened. He was given a phone number of XXXX and ref # XXXX for me to contact them.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

I just filed a complaint against equifax because, after repeated attempts with no results to get my report changed, I contacted CFPB and filed a complaint. Thanks to your good work, Equifax now shows that I filed for bankruptcy in XXXX. They do n't show that my petition was also discharged in XXXX. Also, the date of reporting is currently listed as XXXX but I first sent this information directly to Equifax in XXXX so I 'd like my report to reflect that the bankruptcy was reported several times in XXXX. Without notice of discharge, my loan officer ca n't give me a better interest rate on my car note. I 'm trying really hard to reduce my monthly payments in order to make my expenses more manageable. I 've attached the notice of bankruptcy discharge.
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (OH)

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX & XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen Bank foreclosed on my home in California. I applied 48 times for a modification, via certified mail. I have been in the XXXX XXXX 24 years and I got out of the Military in XX/XX/XXXX. Ocwen is evicting me on XXXX XXXX XXXX. Can you please help me? I know they never processed any of my paperwork properly. They are taking advantage, I have nowhere to go.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

EQUIFAX has made two big mistakes on my credit report. 

The first mistake being they had wrong information on my credit report saying i had a student loan account in collections. when i did NOT have anything in collections. Not only was that information wrong but the details of the account information was wrong. 

I contacted Equifax over the phone spoke to a lady who helped me dispute the collections issue i had on my account. she also created an online Equifax account for me! so that i could track the status of my dispute. 

This is where the second huge mistake Equifax made begins! one week after my inital dispute i checked my EQUIFAX account that the lady had created for me to see the status of my dispute..saw that they finish their investigation so i called Equifax back to see what the answer was. 

When calling them back i had to do the exact same portocol i had to do a. week prior which is giving them my SS and address. whne doing so they said im not in their system! they dont have an account that matches that social, they said that cant help me unless i send my personal information via mail. 

i called a few more time after that to get more answers! till i finally spoke to someone who told me they mix matched my file .... meaning my personl information is on someone else SS number ( apparently its ona number off from mine ) they told me i had to send my id and my SS via mail... so i did called back a week later AFTER I SAW MY INFORMATION was delivered and EQUIFAX SAID THEY DIDNT HAVE IT AND ASKED ME TO SEND IT ONE MORE TIME. 

Mind you i have proof that my id and SS was delivered to the XXXX XXXX Equifax asked me to send it too on the XXXX at XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (FL)

The loan was consolidated from XXXX XXXX in 1997. The interest rate is/was 3.120 %. Since 1997, I have continued to make payments on the loan and the loan has not paid off.
Consumer complaint received 2020-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (CA)

Ginnys.com is blatantly reporting false information on my credit reports and causing my credit rating to be affected. I have called and asked them to remove the false information but they sent me a letter saying no and that my request was deemed frivolous. I have a confirmation number to prove that I paid the account in the amount of {$44.00} in XXXX and not XXXX like they are reporting. This is unfair and affecting my credit rating. This is blatantly reporting false information. This false report has caused me to be denied the opportunity to get approved for other credit accounts.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted two disputes to TransUnion on or about XX/XX/XXXX using their online system. No dispute was filed.
Consumer complaint received 2015-05-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (AZ)

I at times been a XXXX. 
During XXXX I was an XXXX and my first pay check from them I called XXXX to pay off my credit card. They referred me to LLV Funding ( I do not know the exact spelling ) and was giving an amount and I gave them my card number. I asked twice if this was paid off and I was told this was a settlement. At that time I did not know what a settlement was and now I know. Since I was on a XXXX I asked for a letter of todays conversation and was told that until the payment clears I can not have one. Well when I get back to Texas after the XXXX I did not find a letter to that effect and the next time I was told I only made a payment. 
Since then that company has sent me letters saying I still owe and I only made a payment. Now a new company is sending me letters.
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (KS)

In the XX/XX/XXXX Caliber Home Loans bought my loan from XXXX, my husband had lost his job, we were in the middle of a modification, Caliber granted that in XXXX of XXXX. We made three or four payments, I had to miss work due to an illness, my husband was ill and therefore we got behind on our mortgage. I applied for a modification on XXXX XXXX, XXXX, the rep told me it would n't be a problem, well, this is when the nightmare began, they denied it saying we did n't have a hardship, they had already given us a mod this year, and we did n't have enough income, they had his income down wrong. The rep also told me not to make a payment in XXXX. By this time I am behind 4 months, I had received a breach letter, it was due to expire in two days, they set me up on a payment plan for {$3200.00} down and {$2700.00} a month for two months after that, they told me they do n't stretch it out for six months. I was approved for that plan, I called back, a lady told me you do n't have to do that plan, appeal the modification they denied, and I will take a payment over the phone on the XXXX of XXXX, I got a card in the mail that said they were taking out a payment, I had already sent a check, I had to stop payment on the check, so they did receive a payment in XXXX, I called back in XXXX, now they 're telling me they denied the appeal, they ca n't take one regular payment because the breach letter expired on XXXX XXXX, I have been turned down for any type of repayment plan because I make too much money or not enough, I applied again for a modification, I was turned down again, they keep wanting paycheck stubs, I send that, then they want me to sign them. It goes on and on, I am writing to you because I saw in your letter they have to give you six months to stretch out the loan, if that 's the case why ca n't they take what I owe and divide it by six??? They keep threatening foreclosure, they wo n't give me modification, the down payment is very high, but they tell me they do n't want the house. I am XXXX years old and have been a XXXX for 34 years, will someone please stop these people and help me get a modification or a payment plan where I can keep my house!
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio Recovery Associates is calling and mailing letters regarding debt that has inaccurate balances. I 've made several attempts to settle these accounts with them, but they are attempting to force me to pay money that is not owed.
Consumer complaint received 2022-02-09
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. (MI)

On XX/XX/2021 I sent XXXX a letter disputing the validity of the collection they are reporting on my credit report. They responded with a letter stating that they verified this item. I then asked for a method of verification and I never got a response. I went directly to XXXX XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I then went back to XXXX and showed them the letter for deletion from XXXX  XXXX informing them if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more interest every year. This item needs to be deleted from my credit report immediately.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/year> a letter was sent to equifax discussing a few late payments that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc. (NY)

I explain to the person calling that the person they are calling for does not leave at this number. But they keep calling. I am being harrass. I wish this collection agency would stop calling my home number.
Consumer complaint received 2015-08-05
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (VA)

Green Tree Financial calls up to XXXX times a day starting on XX/XX/XXXX. My mortgage was discharged in BK and I am current with my payment. I always make my payment at the end of the month and pay the late fees. The payment is not 30 days past due .Between this number and one other one, I can receive XXXX calls per day.
Consumer complaint received 2016-01-14
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, On XXXX XXXX, 2015 Paypal limited my business account privileges and on XXXX XXXX, 2015 Paypal limited my personal account privileges.My funds were placed on hold. I have contacted multiple representatives and submitted all additional information in order to resolve this issue. Unfortunately, Paypal has refused to remove limitation from my accounts. I never had any problems with my buyers. In addition, my buyers called and emailed Paypal on my behalf stating that they have never had any issues with me and that all transactions were done in a timely manner. 
By suspending me without reason or explanation, Paypal has violated its own Terms of Service. I want my business and personal accounts to be reinstated to have a full access to the accounts privileges. 

Business Account ID : XXXXXXXXXXXX Personal Account ID : XXXXXXXXXXXX Sincerely, XXXX XXXX
Consumer complaint received 2016-02-16
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Mortgage Research Center, LLC (IN)

We were working with XXXX XXXX to obtain a home mortgage where we were working to close on XXXX/XXXX/16. On XXXX/XXXX/16 the loan was denied. The reason given was my spouse was on XXXX and her income was not stable after returning to work, with the same company she was been with for 17 years. She returned to work XX/XX/XXXX and has been working full time since then. Therefore they would not use her income for verification of the loan process and we were denied. During her leave the Union created a new agreement where the pay was increased. We were told it was such a significant change that they can not use her income.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-05-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

The pretender lender loan servicers opposing counsel responded to my consumer complaint on XX/XX/2018 attaching manufactured documents with scribbled signatures. Opposing counsel failed to provide me with the so-called notarized original loan documents because he knows the pretender lender loan servicer only has manufactured copies. When is opposing counsel going to be honest and provide me with color copies of the so-called original loan documents?
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I 'm a senior citizen, and have been trying to lower my payment with OCWEN Loan Servicing , LLC . This company has lied to me. Their costumer service representatives play games when we call to find status on the my loan modification. They keep me on the phone for hours and they seem to be playing games, asking questions that do not make sense. They never want to escalate my case. 
I submitted ALL required documents for a loan modification, at the end I was denied the lender gave me 2 reasons for denial. 
1-The owner of the loan does not do loan modification. 
2-The loan modification was denied, because the borrower did not receive all requested documentsI sent out ALL requirements documents, I have a copy of everything I sent for the loan modification
Consumer complaint received 2015-09-23
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (NJ)

I was making a payment for an item I purchased on eBay through PayPal. While making the payment, Paypal had me put in the DOB and SSN. I did not realize I was signing up for credit line with Paypal. They pulled my credit and gave me a line which I did not want. This is a very deceptive practice. How can they get away with it?