davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CFM Group LLC (NY)

I am being contacted and harassed by CFM Group in XXXX, GA re : debt collection on behalf of XXXX XXXX ( Uniform services provider ), which I do not owe. I bought a business in XXXX XXXX and had been getting uniform supplies from XXXX till XXXX XXXX, XXXX. There was no contract signed with XXXX by us. We decided to stop the services effective XXXX/XXXX/XXXX due to cost issues. A letter stating about termination of services was sent by mail to them. We did pay all the dues for services received from them. Last statement XXXX/XXXX/XXXX for {$61.00} was paid as well. They sent another invoice XXXX/XXXX/XXXX ( though no more services were received after XXXX/XXXX/XXXX ) stating that we owed them {$1300.00} ( with no explanations for charges of {$1000.00} in that statement ). Note : Weekly bills used to be around {$60.00}. They started harassing that previous owner had signed a contract and that i am responsible for it too. I tried to clarify that I have never signed a contract and thus have the right to cancel it any moment. I wrote them few letters but they never got back to me about explanation of charges. Now CFM has been contacting me with a bill which is 3 times higher the original demanded amount more than {$3000.00} claiming that these include their fees. Not only that the numbers that they provide me with on the phone ( which they claim were on the statement ) does not even match the one on my last statement sent by XXXX. The representative keeps on calling 2-3 times a day during business hours demanding for our credit card number. He does not want to provide any explanation for charges and uses very harsh and threatening language when we try to say anything about justifying the charges. He keeps on making different offers to settle it though I do not owe them anything. But his harassment continues. I request you to help me getting out of this harassment and close this matter with all due fairness.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MD)

SLS XXXX 
XXXX XXXX XXXX XXXX XXXX, ( Ph XXXX XXXX XXXX ) ( Ph XXXX XXXX XXXX, Fax XXXX XXXX XXXX XXXX ) LOAN # XXXX LOAN # XXXX Dear SLS, Teller ID # XXXX I HAVE RECEIVED YOUR LETTERS OF XXXX/XXXX/16 AND XXXX/XXXX/16. 
Let me recap my situation and correct me if I am wrong or if your co has changed the terms of my original loan with XXXX, contrary to what I was assured, like there would be NO CHANGES, etc. to the original Loan once sold to SLS. ( sic ). 
I had an original loan and it was written that upon reaching 80 % ( LTV ) of property value of {$340000.00} ( {$270000.00} ), PMI will be cancelled, upon written request or automatically at 78 % ( {$260000.00} ). 
I wrote and taxed a few written request just before and around when 80 % threshold was being met. I called, and called. 78 % came and went by. Nobody could give me clear answers. Once or twice representatives acknowledged seeing the request but subsequently other reps denied any requests being on file. 
Some misguided representative erroneously stated that I was delinquent on my loan. This is a blatant mistruth ans SLANDER of my good name as I have never been late on my payments. They said then that they can not disprove that I was delinquent!! 
Such stalling, delaying tactics, misrepresentation, embellishments! Why? It is undue harassment, causing pain and suffering and wasting of my valuable time whilst my money is still being collected for PMI which should have been stopped once my balance reached {$270.00}, XXXX. 
I was never aware that a new appraisal had to be done. That was not my understanding, unless I wanted to claim higher value of my property to stop PMI earlier. 
In your most recent letter you sneaked a table on the back page stating that LTV must be 80 % or less based on original value. CONDITION MET. 
However, in the next column, " Based on Current Value LTV ratio must be 80 % or less if 5 years or more have elapsed since the origination Date of Mortgage or 75 % or less if 2 or more years, but less than 5 years have elapsed since the Origination Date of the Mortgage. '' THIS PARAGRAPH DOES NOT APPLY TO MY LOAN!! THERE WAS NEVER A NEED FOR APPRAISAL OR BPO. 
Why are all these new conditions being brought up for a straight forward mortgage? Or Did XXXX give me false information or promise? 
I hope this matter can be resolved IMMEDIATELY to prevent me from losing further time and money and lessening my undue pain and suffering from harassment, misrepresentation. 
Thank you. I shall be faxing this letter to you today and send hard copies to you as well as XXXX XXXX and Consumer Financial Protection Bureau. 

XXXX XXXX XXXX/XXXX/16.
Consumer complaint received 2024-03-13
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: PRIORITY PLUS FINANCIAL LLC (NM)

Hi, XXXX XXXX, received mail stating important information and closed sent by economic relief for affected New Mexico families . 

The check for {$23000.00} require a monthly minimum payment after qualifying with a low interest rate of 5.99 %. 

I called the number at XXXX to get more information and clarification. After speaking with the customer service rep by the name of XXXX, I was told they had my information and needed my permission to do a soft credit pull. 
With my Social Security number using a PIN # XXXX they were able to do a verified search for XXXX lenders and then after a XXXX minute hold told me that I did not qualify? Please advise
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: TRUIST FINANCIAL CORPORATION (MD)

I cosigned a consumer loan with another person. The remaining balance on the loan was {$3100.00}. The principal on the loan filed for XXXX XXXX  Bankruptcy in 2019 and listed the holder of the loan as a creditor in the bankruptcy plan. I was not informed about the bankruptcy and I later learned that I was not listed as a co-debtor in the bankruptcy. The XXXX  XXXX Bankruptcy plan was approved and the holder of the loan agreed to receive payments under the plan. 
I learned about the bankruptcy when I tried to get a loan a year ago. My loan application was rejected because of the bankruptcy. I requested a copy of my credit report. I was surprised to see an adverse entry on my XXXX credit report for that loan. I contacted XXXX by telephone and mail to protest the entry and to ask for an investigation. Subsequent to my request XXXX informed me that there was nothing they could do and that I needed to contact the lender. They have kept the adverse entry on my report. I contacted the lender by telephone and email but it will not take my calls or respond to my messages. 
I did not file bankruptcy nor was I listed as a co-debtor in the principal 's bankruptcy claim. The lender never contacted me to demand payment. Can a creditor adversely report a debt on a cosigner 's credit report without first demanding payment? Does a creditor lose its rights to demand payment from a cosigner when it agrees to accept payment on an owed debt under a bankruptcy plan? Should a cosigner on a debt, that is part of a bankruptcy plan, for which he is not a party, be subject to the same adverse credit report as the debt 's principal?
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On one night of my stay at the XXXX this XXXX ( Friday, XXXX XXXX ) I took my friends to XXXX. The bill of {$3300.00} I put on my Visa, which I handed to the staff, along with my license, to take and charge. I signed for the {$3300.00} and went on my way. However, I noticed after I got home the following week that there was a separate charge for {$630.00} on my visa, a charge that I did n't authorize. Visa sent me copies of both receipts, which to my surprise were both signed. The signature on the {$630.00} is not my signature. Visa is refusing to credit me because XXXX had a copy of my license, which I readily admit I handed over to pay the {$3300.00}. I want the {$630.00} refunded to my Visa. Visa says there is nothing they can do because its a " he said, she said '' situation. I contacted the merchant and they also refuse to refund the fraudulent charge. Visa is supposed to protect its customers from fraud.
Consumer complaint received 2022-09-05
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. (CA)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX  account # XXXX ; XXXX/XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX & XXXX ; XXXX XXXX account # XXXX XXXX XXXX ; XXXX XXXX XXXX  account # XXXX & XXXX XXXX ; XXXX XXXX XXXXXXXX account # XXXX & XXXX ; XXXX XXXX  account XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX ; XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX & XXXX XXXX XXXX account # XXXX & XXXX ; XXXX account XXXX XXXX ; XXXX XXXX  account # XXXX & XXXX has violated my Rights 15 U.S.C 1681 Section 602A States, I Have the Right to Privacy 15 U.S.C 1681 Section 604A Section 2 or 15 U.S.C 1681A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction ( s ) 15 U.S.C 1681b, permissible purposes of consumer reports, subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the folllowing circumstances and no other in accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1692C, communication in connection with debt collection without the prior consent of the consumer given directly to the debt collection or express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-06-04
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. (NY)

I had a credit score over 800 for over 30 years. I have history of making 100 % payments on time throughout my life. 

I was very XXXX XXXX XXXX and made a payment to XXXX XXXX that was received after the due date of XX/XX/XXXX, but within 30 days. 

I called XXXX financial services. They said they automatically send information to the credit bureaus when a payment is late. They advised I dispute the charge with the credit agency. 

I sent a dispute to XXXX and Transunion. 

XXXX took the late payment off my record and reinstated my score of XXXX. 

Transunion rejected my appeal. They dropped my credit score from XXXX to XXXX on XX/XX/2021. On XX/XX/XXXX they dropped my score another XXXX points to XXXX because I used 7 % of my credit limit!! 

As of today my credit score with XXXX is XXXX. Which is accurate. 

My XXXXredit score with Transunion is XXXX which is outrageous and inaccurate.
Consumer complaint received 2015-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MA)

Is sold an item on Ebay and Paypal charged me a XXXX percent fee but I called customer service and they told me that Paypal does not charge a fee for items sold on Ebay. Ive been a loyal customer with Paypal for over XXXX years and will like if the please have the courtesy of resolving this issue by refunding he XXXX dollars charged fee or I will be selling my items on XXXX again and use XXXX payments and XXXX wallets instead of Paypal.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital One sold an alleged account of mine to XXXX XXXX XXXX in the amount of {$600.00} stating that I had become delinquent on the alleged account in " XX/XX/XXXX ''. After talking with XXXX XXXX whom bought the debt and getting no clear answers, I asked that the debt be verified. XXXX sent a letter back with account number " XXXX '' as well as an amount of {$600.00} which stated I owed. 
I personally contacted Capital One to find out more about this debt on XX/XX/XXXX and XX/XX/XXXX and was told that the last payment was made in " XX/XX/XXXX '' for the amounts of {$15.00}, {$65.00} and {$50.00} all alleged made in XX/XX/XXXX. I let the agent know this is totally false since the bank account ending in " XXXX '' which the alleged payments were debited from was permanently closed before XX/XX/XXXX. The agent stated that this account is mine and payments were made from this account. I agreed with him that account # XXXX was my account but no payments was ever made from this account in XX/XX/XXXX. Payments were however made from my bank account ending in XXXX to my original Capital One account ending in XXXX several years prior to XX/XX/XXXX. My original Capital One bill has been paid in full for years which clearly shows that on my credit report. 
I was then told the payments were also debited from " XXXX Bank '', which is a bank I have never done business with. After much conversation with the agent and getting nowhere I stated I would take other measures to get this false information off of my credit record. He then stated that " XXXX XXXX '' know owns the debt. This may be true however ; " Capital One '' mishandled vital information which is causing me undue stress because of their mismanagement of records. I am asking to please help me. This is not fair that every time my credit is pulled I am defamed by false information Capital One knowingly put in my records.
Consumer complaint received 2022-09-05
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. (TX)

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

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also States A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-06-10
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Complaint is against the unfair and illegal practices still being carried on by OCWEN Loan Servicing. OCWEN has refused to work with me and provide loss mitigation outside of simply just wanting to foreclose my home. I was forced by OCWEN to file for Chapter XXXX bankruptcy protection in order to stop a foreclosure on my property, after they repeatedly denied me a loan modification and instead began applying all sorts of excessive and outrageous fees to my loan making my ability to catch up with the payments virtually impossible. Because of this, I fell behind and out of the blue, they served me by mail with foreclosure papers. Filing Chapter XXXX stopped the foreclosure proceeding but only temporarily as they are now requesting the court to lift the stay. OCWEN seems determined to foreclose my property and even claims that the property has no equity, which is inaccurate. OCWEN still practicing outside the Federal guidelines, something they had been fined for back in 2013. OCWEN has submitted paperwork to the bankruptcy court full of inaccuracies and misstatements. They have continuously charged me fees for things such as attorney fees, foreclosure fees, " other costs '', etc. Every time they do this, they placed my loan balance at a higher figure. OCWEN has also provided me with monetary figures that do not match others. I am currently on Chapter XXXX solely because of the actions of OCWEN against me. I had to file an emergency protection in order to keep OCWEN from selling my property at an auction. I am a Veteran ( XXXX ) and currently a XXXX, I have a full time job and the ability to make my payments, only if they would stop flexing their muscles and try working with me instead of insisting on foreclosure.
Consumer complaint received 2015-12-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am being charged a late fee for my XXXX XXXX 15 car payment when my car payment is not due yet. My car is financed with Capital One Auto Finance and I have paid my car payment on the XXXX of each month for the past year and was not charged a late fee. I paid my XXXX XXXX 15 car payment on the XXXX along with the late fee that I was charged. I understand why I was charged a late fee on the XXXX XXXX 15 payment because I paid my auto loan on the XXXX instead of the XXXX like I normally do.
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (OH)

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter. Also, they are reporting inaccurate personal information on this account which is another violation of the FCRA as well.
Consumer complaint received 2017-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (CA)

I moved from my apartment and called XXXX and canceled my service and returned the equipment. They continued to charge me without my knowledge. Only found out about it after it went into collectins. This collection company has been basically harassing me for years now. Have spoken with them multiple times.
Consumer complaint received 2015-11-21
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have an unauthorized and unjustified hard inquiry on my XXXX, XXXX, and XXXX credit report from Capital One Bank. I called capital one executive office in regard to the unauthorized hard inquiry that is reporting on my credit files and I was advise to allow 7 business days that someone will call me back in regards to the issue. It has been over three weeks, and I have not receive a call back from capital one or received any correspondence from capital one, and the unauthorized hard inquiry is still on my credit report. Now I have a fraud alert on my credit files since XX/XX/2014 and yet still capital one was able to place an unauthorized hard inquiry on my credit report with the major credit bureaus. Capital One Bank had initiated a fraudulent inquiry into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of Capital One Bank made unauthorized inquiry into my credit report.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

The credit reporting agency keeps publishing that I was delinquent in making my mortgage payments years ago, lists XXXX different mortgage companies with the same account number during the same time period, and continues to delay correcting those discrepancies despite my multiple disputes of their published records. I will attach the credit agency 's XXXX response to my dispute which is clearly nothing more than a discouraging delay tactic that contains no helpful information pertinent to the resolution of my dispute.
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 — Account information incorrect
Company: United Revenue Corporation (NC)

I received debt validation from United Revenue and appreciate them clearing this matter. As a result, I submitted payment via certified funds to clear my {$840.00} balance. Per their credit reporting policy and the new bill introduced in the United States Congress, medical collection accounts will be deleted when they are paid in full. However, my account has not been deleted. Since I have submitted payment in full, I kindly ask that this account be removed from my credit report, as required by law.
Consumer complaint received 2015-10-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Following up, now for a second time, Capital One 360 refuses to complete transfer of my IRA accounts to XXXX Bank. You responded by email to my original complaint XXXX to you, writing that Capital One claims to be investigating. Since they began investigating, they have refused AGAIN to make the same transfers.
Consumer complaint received 2017-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

On  XXXX   XXXX    XXXX   I received a letter from  XXXX   XXXX   XXXX   XXXX  stating I owe {$370.00}. I decided to call the number on the letter  XXXX  and I had a lady answer and said her name really fast and told me she was recording the call. She asked how I wanted to pay the account. I told her I had questions as I dont recall owing {$370.00} to   XXXX   XXXX   I asked her to verify name and social on account and she replied by saying that was not her job. She then asked me again how do you want to pay this debt of your and do you agree this your debt? I replied by asking her this account is not mine and to please verify my social security number and she became angry and said that was not her job to do so and hung up on my call. I contacted   XXXX   XXXX   the original creditor according to the letter. I asked them to verify my account and they said they had no account under my ssn.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (DE)

back in XX/XX/ I notice that there was charge for XXXX XXXX  coming out of my account that I didn't authorized. when I first noticed this was XXXX XXXX. I contacted PNC BANK and told them I didn't authorized this. Pnc Bank did there investigation and came back that it was not a real company and credited my account for {$19.00}. When I contact PNC bank at that time they notice that these charge has been coming out of my count for a year. they advised me to print out all my bank statements for a year and take it to the local branch. I did that. then pnc bank told me that they will not refund my money back that I have to contact the vendor. my thing is pnc don't want to credit my account for the {$2900.00}. over the year I had several new debit cards from pnc for fraudulent activity. but each time pnc was connecting the new card to the old card so whoever was making these charges was still able to do so. I just want PNC BANK to refund my {$2900.00} back in my account. 
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