davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CA)

Last XXXX or early XXXX I asked to have my account enrolled in the automatic payment program at Homebridge. I received a letter saying that it would start in the next few months but that I was responsible for my payments on time until it began. It was XXXX when several days into the month the money hadn't been taken out yet so I paid the bill. The money is due the XXXX. On XX/XX/XXXX Homebridge attempted to withdraw another mortgage payment from my bank account. This attempt was made even though my money had already been deposited and applied into my Homebridge account. When Homebridge attempted to with draw a second monthly payment there wasn't enough money in that account to withdraw so it bounced and I received an NSF of {$29.00} from my bank and {$25.00} from Homebridge. Homebridge attempted to withdraw the second mortgage payment for the month of XXXX for a third time on XX/XX/XXXX, after which I received another {$29.00} fee from my bank. XXXX, my bank, has a policy of only being able to return fees possibly charged in error for two items annually, which they already did for me this year in an unrelated matter. So although they felt strongly that charges should never have been attempted to have been withdrawn against my account and they were aware I had no part whatsoever in the creation of the withdrawals that caused the overdrafts they could not refund the {$58.00} because two withdrawals had in fact been attempted against my account that lacked the funds. 
I called and spoke with a supervisor who explained that a letter had been mailed out stating that the XXXX payment would be made automatically for me. I received the letter after I made the payment. He informed me that he could do nothing about my bank charges, but that he would reimburse the {$25.00} fee charged by Homebridge. It is now XXXX and the {$25.00} is still on my account. I am asking that my account be corrected and remove the {$25.00} fee charged. I am also asking that they reimburse me the {$58.00} charged by my bank for the NSF fees. 
I did try one more attempt to resolve the matter with Homebridge before coming here. I again waited 40 minute + on the phone, went through the whole story several times and was eventually given the email address  XXXX to send the appropriate paperwork to. Which I did. Only to find out its a bogus address. I am sure I have it right too, because she spelled it out letter by letter.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

failure to send borrower the following prior to foreclosure referral XXXX. In all states, Servicer shall send borrowers a statement setting forth facts supporting Servicer 's or holder 's right to foreclose and containing the information required in paragraphs XXXX ( items available upon borrower request ), XXXX ( account statement ), XXXX and XXXX ( ownership statement ), and XXXX ( loss mitigation statement ) herein. Servicer shall send this statement to the borrower in XXXX or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. Servicer shall provide the XXXX XXXX with copies of proposed form statements for review before implementation.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (KY)

I am concerned about the quality and compliance control system in Community Loan Servicing. My loan was sold to Community Loan in XXXX. In XX/XX/XXXX I received a notice of cancellation from my insurance company. I called Community and, after a long talk, was told that they will take care of it. That it was an error. I followed up with an email and supporting documents. I never heard back. 

On XXXX XXXX I again received a notice of cancellation. I called and after a time found this : - The loan should have had the insurance escrow transferred but didn't. 
- After my first call the team I had spoken to sent a memo asking to have my bill paid. They were told not to pay it as the escrow was not supposed to be transferred. This decision was not told to me. 
- When I called on XXXX XXXX I was told initially that the loan didn't include insurance escrow but after pushing found out that it should have been paid. 
- I have again been told that the bill would be paid. 

I am concerned about the competence of this organization. Were this my taxes I could have lost my house. I am shocked at the sloppy work and hope it wasn't deliberate.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (IL)

I purchased some bitcoin on XXXX ( What a great day to be scammed ) and the transaction fee said {$1.00} - Okay, no problem. 
Put through an order with a merchant and they told me they were only paid XXXX dollars out of XXXX -- Turns out, they charged me an astronomical XXXX out of XXXX dollars as a transaction fee! I would have NEVER put this transaction through if I was made aware of this charge! WHO WOULD?! 
It 's robbery and this company is a huge scam! 

I called, after an hour on hold, they said to email them and they ca n't help over the phone ( what?! ) .. Go to their site, and their email link does not work and they would not provide me with a working email address over the phone. I finally found an email address on XXXX, emailed them, got an autoresponse that they wo n't do anything a few hours later. 

I 'm in the process of completing a charge back with XXXX XXXX at the moment ( if that even happens! )
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (AZ)

on XX/XX/XXXX They gave a title loan to a person using my maiden name along with my social.. The person used a title for a car that does not belong to me along with a driver 's license number that is not mine.I spoke with their fraud dept on XX/XX/XXXX after I became aware of the inquiry into my credit from XXXX XXXX. I have filed a police report ( police will not give me a report as its a civil matter ) and a report with the FCC. I emailed the company proof that I had filed the police report and report with the FTC on XXXX. I called their office and was told I needed to have the FTC report notarized. I do not feel I should have to jump thru hoops for these people just because they did not verify information.
Consumer complaint received 2017-12-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching a copy of the letter I mailed to Equifax, XXXX, and XXXX XXXX on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 30 days.
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Beginning sometime around XX/XX/XXXX, my home conventional mortgage was acquired by LoanCare. On or about XX/XX/XXXX, I began making an extra mortgage payment of {$120.00}, to be applied to the principal. Records show LoanCare received regular EFT payments of {$120.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. At no time were these payments applied against my principal. I began calling every month after theXX/XX/XXXX payment to inquire as to why not. I have spoken to several customer service representatives, and/or customer service supervisors. Each time I was assured the error would be corrected, and my funds were then credited against my principal. The issue is : If I do n't call, the money sits in an account, not applied to anything. Also, I do n't get interest reduction on the loan. 
Secondly, I do not want ( for financial burden ) to change my automatic monthly payment, and there is no way of making automatic additional payments, except by doing it one month at a time on their website : Myloancare.com. They admit to me there is a problem with cashiering not recognizing the additional payment when it comes in, but they do nothing to fix the problem. 
Third issue : I have made additional mortgage payment to other lending institutions with no problem. This is an issue that is unique to LoanCare and can not be allowed to continue. 

I NEED YOUR HELP!!
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

A fraudulent charge of {$160.00} was made by XXXX using my TD Bank debit card in XX/XX/2017. I reported the fraud to TD Bank multiple times and the issue has still not been resolved. 

- TD Bank first told me that they would investigate, but I didnt hear back. 
- I called TD Bank again and was told that I had to resolve the matter myself with XXXX XXXX. 
- I spoke to XXXX XXXX and they told me that I had to resolve it with my bank. 
- I called TD bank again, waited for a response, and was eventually told that the claim was denied because they couldnt find any evidence of fraud, but I could not talk to anyone who actually did the review or made the decision. I was told that I must file a police report at my local precinct for then to re-evaluate the case. 
- I filed a police report, went to the TD Branch and had the claim revisited. I was then told that the claim was denied because, again, they couldnt find any evidence of fraud. 

I believe that TD Bank purposely made me go to the police just because they thought I wouldn't want to spend the extra time and they could ignore my case. 
XXXX XXXX says that they will not talk to me about the details because I should be dealing with the bank. 

TD Bank later said that if I file other requests with XXXX XXXX to force them to give me details about the transaction that they will review it again, but I believe that once again they are counting on me thinking it is not worth spending further time on this and that I will just go away. 

Can you please help me resolve this?
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a Chapter XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX  XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the three credit reporting agencies to correct this information to no avail. I also provided the 3 credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my Chapter XXXX Attorney and will file a grievance with the bankruptcy court against this company and 3 credit reporting agencies.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc. (IL)

Dear Sirs, XXXX on XXXX XXXX XXXX XXXX IL made charged {$XXXX} to my account by mistake and gave it to Payliance for collection.After I spoke to Miss XXXX of XXXX XXXX she cancelled it on XXXX/XXXX/XXXX. Payliance XXXX told me that they sent cancellation notices to three credit bureaus on XXXX/XXXX/XXXX. I got a email alert from XXXX XXXX credit secure on XXXX/XXXX/XXXX that my credit score went from XXXX to XXXX because Payliance did not cancelled the item from my credit which they reported to three credit bureaus .I called again Payliance / XXXX on XXXX/XXXX/XXXX and they told me the same thing again that they sent cancellation to all three credit bureaus. 
Payliance on XXXX/XXXX/XXXX updated my credit report saying that they are in process of collecting debt from me, which is totally wrong. Because I dont owe any money to XXXX or anyone else.I have the email from XXXX XXXX of XXXX that I dont owe anything. I also have two voice messages of XXXX XXXX that she called Payliance XXXX and told them to cancel it on XXXX and XXXX.XXXX is not removing the item from my credit report. I am never late on my payments ever and I work really hard to keep good credit. Sirs I request you to help fight Payliance to remove the wrong charge on my credit report.Thanks a lot. 
Best regards
Consumer complaint received 2020-09-11
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. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the 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. 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. '' 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. 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. There are also some unknown inquiries that I'd like to have removed as well : XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-10-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XXXX XXXX, XXXX a XXXX account number XXXX XXXX XXXX bank had been re-inserted onto my credit as a negative item. XXXX is required to notify me within XXXX days of re-inserting a previously updated item. I did not receive any such notification. I am asking that this item please be updated immediately on my credit file.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Two watches were ordered, they only sent one. Disputed on their website twice yet charges remain. Ugh. Please help. I shouldn't be responsible for this charge and the payment is due soon and no one will respond. I should only be charged for the one item they actually sent.
Consumer complaint received 2017-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Transunion at XXXX on XX/XX/XXXX and Spoke with US Representative named XXXX. I phoned Transunion because between XX/XX/XXXX and XX/XX/XXXX and again between XX/XX/XXXX and XX/XX/XXXX TransUnion experienced a database computer glitch. When the glitch occurred it caused my inquires to be deleted from my report. The glitch was TransUnion 's problem, not mine. Later when checking my credit I noticed TransUnion illegally reinserted all of the inquires back onto my credit report without giving me the legally required written notice within five days prior to them reinserting the inquires. I contacted TransUnion in good faith and requested they delete the inquiries that had illegally been reinserted without proper written notification and in violation of FCRA. Not only did XXXX refuse to delete or even investigate, he instructed me to contact the creditors directly and have them write me an inquiry removal letter and then send it the TransUnion. The inquiries that have been illegally readded has caused a hardship and is making it difficult for me to get a pre approval for a home loan. My rights have been violated byTransUnion. Im filing this claim to beg for your help, please make TransUnion stop victimizing me and others.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (TN)

XXXX and AFNI Debt Collection Services are negatively reporting on my credit report with XXXX, XXXX, and XXXX that I am late and owe {$330.00}. I filed police report # XXXX and Report # XXXX regarding identity theft with the XXXX Police Department. This is an unauthorized account. I would like XXXX to stop selling my information to debt collection companies for an unauthorized account.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX  went ahead and removed this bankruptcy public record from my credit report several months ago due to it being reported incomplete and misleading. But, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out-of-pocket costs and expenses, and loss of personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD by the consumer laws. NOT IN COMPLIANT! 

Listen there is no way that you investigated this XXXX XXXX as accurate because I asked the court if they verify records with the credit bureaus and they stated and send me an attached letter that they do NOT, so how did you legally verify this?
Consumer complaint received 2021-02-04
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)

someone used my Identity to gain medical help, and accumulated a debt of {$1100.00}. it was assigned to a collection agency and reported on my credit profile by XXXX XXXX XXXX -Account number XXXX, I have requested all three credit report agencies to delete the identity theft account. Both Equifax and XXXX have initiated a general dispute ( 30 days ) instead of the guidelines set forth by the FTC through the Fair credit reporting act section 605B which requests the reporting agencies to delete the Fraudulent accounts from my credit profiles within 4 days. Both XXXX and equifax failed to do so. I have uploaded all supporting documents to both agencies and i was informed that my request does not meet the standard fair credit report requirments to delete the file.
Consumer complaint received 2020-07-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NY)

Letter dated XX/XX/2020 states I have a debt to PayPal, inc sent to XXXX XXXX XXXX, XXXX to collect. I logged into the site provided with the XXXX XXXX number and the last four of my SS #. It won't log me in. This debt is caused mostly likely from someone who knew my name, address and my email and opened a fraudulent PayPal account. I should not be responsible for this.
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (NC)

XXXX called XXXX XXXX have put a collection on my credit report for {$450.00}. I have never heard of this company and I do not owe them or no XXXX else money. This is not my debt.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (PA)

I apply for XXXX credit card, because it was said that I can do a balance transfer at 0.00 % and no transfer fee. When I call the XXXX after had received the card they told me that I will be having a fee of 3 % for balance transfer. I feel that was a shame that gave me the illusion to same my problem and be able to reduce my high interest in the other credit card that I already have. I will like to pay off my credit card and start fresh. I thought that if I will transfer to XXXX maybe in one year o so I will be able to pay off my credit card.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I found out I was going to be out for XXXX surgery. I would be out fo for 3 months. I was able to contact my creditors and have payments reduced r for this period of time do to XXXX only covering 65 % of my salary. Ocwen, my mortgage holder, gave me a hard time about this, barely understanding tanding them, she said she would send a form to fill out and it would be reviewed for consideration. form received and sent back. I did not hear anything from them so we struggled with the the full mortgage payment. For a company who says they will work with you it seems like smoke and mirrors. no one else had a problem adjusting for me. I I t seems iam held hostage for a medical problem that I had no control of. Can this be removed from my credit report so I can move on? Thanks for consideration.
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I purchased a home in XX/XX/XXXX and recently requested some assistance so I could keep the property and not allow it to go to foreclosure. 
The original value was $ XXXX and the current value is $ XXXX. 
I have made all of my payments on time and requested asmall reduction in my interest rate to continue to rent theproperty and not take a beating on the delta between therent and the mortgage and association fees. Themodification was denied because the loan was refied in XX/XX/XXXXand they stated my situation was not a permanent impair-ment so they refused to assist.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I called money gram today XX/XX/2017 about the money I sent to let them know I was involved with a scam and I got the run around and no help from them at all. I lost XXXX through this company and they were trying to pin it on XXXX.