davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OZK (FL)

I made a payment to the Bank of the Ozarks on XX/XX/XXXX of  XXXX, using the portal my Home owners association/property management provides in the email they send every quarter. The payment was withdrawn from my bank account on XX/XX/XXXX .The home owners association/property management payment is considered late if received after XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from the home owners association/property management stating that my payment was late for XXXX. I called the accounting office on XX/XX/XXXX at XXXX and talked to the manager/supervisor and she told me, yes my payment was considered late since the payments that are made through the portal they provide from Bank of the Ozarks, the bank then sends them the ledger with the date of receiving the payment and then, posting it at their liberty could be 2-5 days after payments are made. I told the manager that my payment was made and funds withdrawn from my bank account indicating my payment was in fact made on XX/XX/XXXX at XXXX. She then told me it was my fault for not making my payment with sufficient anticipation. I told her I had the receipt stating my payment was made on time as well as the receipt of the funds withdrawn from my bank account for payment on XX/XX/XXXX. She told me that's how Bank of the Ozarks post the  payments at their liberty, so I should talk them. I then asked her for the phone number that handles the posting of the payments, and she told me she couldn't provide it. And advised me to pay the late fee or I would be facing other interest charges.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I receive a hard inquiry on my credit report almost every month from XXXX XXXX and I do not own a XXXX XXXX nor have I authorized them to access my credit report. I want them to stop checking my reports!!
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (DC)

There are a series of issues but the main issue is that the credit card company ( Barclaycard XXXX XXXX Mastercard ) closed a dispute I filed due to the length of time that had passed from when the charge was posted. The reason for the length of time was two-fold : 1 ) When I originally called to file the dispute ( which can not be easily done online or by phone but rather must be faxed or mailed ), I was told to first attempt to resolve it with the merchant. I attempted several times to resolve with the merchant and ultimately when it was not resolved, returned to my credit card company to officially file the dispute. 
2 ) After taking over a month to review my case, I received a notification that the time a dispute could be filed had passed. 

I called the credit card company again letting them know that I had followed their instructions. They assured me they would look into it and reopen the case. After several more attempts to reach them, they have stopped responding to me regarding this issue.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America offered a no interest for a year, no balance transfer fee XXXX. We wanted to manage our debt with no balance transfer fee. Filled out form but received a different Cash Reward card instead and they charged {$200.00} plus in balance transfer fee. Called and spoke to 4 reps who kept transferring my call asking same questions until they disconnected me. This took an hour. I only wanted balance transfer fee removed from card. It seems like a bait and switch.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion refuses to report accurate information on my credit report. I have an XXXX XXXX account that shows a balance of {$700.00} that has been paid in full, I also have an XXXX XXXX account that is showing 90 days past due which is inaccruate. There are fraudulant charges on my account.I called XXXX XXXX who informed me that they have not received anything from Transunion to dispute the accounts. I have sent multiple letters to Transunion regarding this and have not received a response.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

1. On XX/XX/2020, I filed dispute with TransUnion credit bureau for one of my installment account ( account # XXXX ) with XXXX  company because the balance was incorrect on my credit report. After the dispute completed on XX/XX/2020, it showed that my payment rating on this account was 120+ days late. I called the XXXX company to discuss about this account and they told me that they never report any late payment on this account to TransUnion or any 2 Credit bureau at all. They also told me that they send a new report to 3 Credit Bureau every month. I believe them because when I check on other 2 credit bureau ( XXXX  and XXXX   ), it shows that I never late and paid as agree. I filed dispute with TransUnion again on XX/XX/2020, it still processing. I tried not to think that TransUnion is the one that make a mistake about my credit report, but everything seems to show me that way. This error also cause me a big credit score drop. I also sent the payment history document for this account to support for my dispute. I still never hear back from TransUnion at all. By the way, before my first dispute on this account, my account was showed paid as agree and never late on my payment history. 

2. TransUnion also deleted one of my credit card account that I was added for authorized users for XXXX XXXX account. I called TransUnion about this error that they told me to go talk to the creditor of this account. I also called the creditor for this account that they told me that they always report my payment history to 3 credit bureau after my statement date. Before my first dispute with TransUnion on XX/XX/2020, this account was reported correctly and showed in my credit report, but after the result for the dispute on XX/XX/2020, everything was mess up on my credit report with TransUnion. I also check my credit report with XXXX  and XXXX, this account is showed in there. 

I also attached document to support my complaints.
Consumer complaint received 2020-07-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (CO)

NewRez, is the company my complaint is directed towards. They have not paid my second Property Tax installment for the 2020 calendar year. They made a payment in the wrong amount to the XXXX of XXXX. Because it was the wrong amount the city never received it and has no record of the bill being paid. I received a letter in the mail informing me that the payment was due. I reached out via phone to new Rez and they assured me that it was paid. they showed me a page on the website where it showed a payment being made, the wrong amount. I have called them several times ( 5+ ) in the last week to get this fixed. I am told the department i need does not have a phone number and i need to email them to get it fixed. I have sent several emails again over 5 and i got a response saying it was paid. Which i then contacted the City of XXXX to confirm and they still assured me they have not received payment. I am in the process of refinancing and need this paid before the refinance is complete, or before the city puts a lien on my house for not paying my taxes.
Consumer complaint received 2020-07-18
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. (FL)

Please Help me with this situation. Someone has gotten hold of my Identity I Had to shut all of my Bank accounts Down Due to fraud I also notice that my Credit files Has accounts that I did Not Authorize i never open any of these Accounts This Is All due to Fraud
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (FL)

In XXXX of 2016 XXXX XXXX XXXX XXXX recieved a lump sum check and additional payments to pay my account in full from a total loss accident on the finances XXXX XXXX. 

After all amounts due were paid, COAF, without sending proof, sent a demand for another {$130.00}. I called and requested proof of the debt, an amortization schedule, record of how the payments were posted to prove indeed I owed the remaining amount. They did not then nor have they since ever provided this proof. 
They then charged off the XXXX dollars and have since sent the about to collections, and I asked the subsequent collection agencies for proof of the debt, the payment record, anything showing how they came to this final amount despite the previously provided balance payoff/payment amounts. 
Furthermore by continuing to send this to collections agencies, they are now violating the State of FL statute of limitations on written promissory notes of 4 years, and are still reporting this unproven debt as " Passed Due '' If they can't even be bothered to furnish the proof of debt, how can they continue to negatively report on my credit. It should be corrected retroactively to XXXX of 2016 to paid as agreed and paid in full, NOT delinquent and charged off. 

I have disputed this by phone, mail, with the three agencies, with XXXX, as well as the collection agencies they kept shifting it to no less than 15 times. No one has ever just provided the proof by mail. 
I'm fed up that they have no responsibility to prove the debt and proper payment posting, but are ruining my credit.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Unable to access my account. Unable to reset password. Spent 45 minutes on hold. The representative would not verify my account. The information requested was directly form the credit card or bank account. Asked ridiculous questions about prior loans or balances that no one would be able to answer as they were so vague or open ended. Representative 's English was poor and almost unable to understand her. My data was reportedly involved in THEIR breach and then they treat me this way. Shameful.
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (OH)

SOUTHWEST CREDIT SYSTEMS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

Every year when I try to get my free annual credit report from Equifax I am told I can not get my report online. Equifax first asks me several questions about accounts I " may '' have, none of which I actually have. Therefore, I have to answer ALL of the questions " none of the above. '' They never seen to ask me to verify an account that I actually have. Then they tell me I can't get my report online and have to submit a written request. They also won't tell me why I can't get the report online.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

Nanient is cla iming I owe them {$7000.00} on a contract from  XXXX   XXXX . I have called a minimum of 5 times to solve this as I do not believe this is legitimate. All with no resolve. On the last call I spo ke to a manager and   asked for proof that I owe this and when it was dispersed. He said they did n't have any paperwork except for the original master promissory note from  XXXX   XXXX  and did not know when it was supposedly disbursed. He did n't even know what school I attended or my graduation date. The promissory note was a paper I signed 8 years ago prior to borrowing any money or taking any classes. I have other student loans, all in good standing, with other companies. I did n't even know who they were until the letters started coming. I am not going to just pay someone {$7000.00} without proof of receiving it. I am trying to buy a house and this is now holding up the purchase and if not resolved quickly I will lose the house. I told them that if I owe it I will pay it once I am shown it is legitimate but every attempt had the same result, no one can show any proof that I owe the money to them but they ruined my credit with this. It is the only negative on my credit. I want it taken off my credit immediately.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (TN)

I recently received my Annual  Escrow Account Disclosure Statement in the   mail and noticed that their is a 100 % increase in the PMI insurance that the institution is going to charge. This even though the  LTV is  at 81.7 % and I 've NEVER been late on a payment. I called the Customer Service number on the statement for an explanation on why there was going to be a 100 % increase in the PMI insurance but they advised they could n't help me that I 'd either have to fax or email a request to PMI department. I asked if there was a telephone number that I could call to ask this question and they said NO it had to be faxed or emaile d. WOW. I   proceeded to send an email but they have n't responded to my request for an explanation for the 100 % PMI increase so I 'm now filing a complain against them
Consumer complaint received 2022-09-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I refinanced my mortgage with XXXXXXXX XXXX on XXXX XXXX. Pennymac was paid in full after this process and XXXX XXXX  informed me that I should receive the money back that was in my escrow account with Pennymac. Well the amount in my escrow was {$3600.00} on the XXXX statement but Pennymac only gave me {$660.00} back without any explanation, except some made up escrow analysis which started in XXXX which only shows {$1000.00}. So what happened to the other money on the XXXX statement which is not showing on the analysis?? The first part of discrepancy was on the Escrow Account Disclosure Statement dated XXXX, XXXX 2022. I know each year property tax may increase which will also increase the mortgage payment. My taxes went from {$420.00} to {$670.00} a difference of {$240.00} but Pennymac added on a shortage payment amount of {$290.00} and Escrow Reserve Payment of XXXX which increased my mortgage payment by {$650.00} instead of by {$240.00}. 
They are always messing up the account in order to receive and keep people 's money. They really need to be investigated for these shady practices. Everyone is already suffering from inflation and grocery prices and need their money. They already make millions off the interest!! I need the remaining money from my escrow of {$2900.00}. 
XXXX XXXX
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent you a letter on XX/XX/2022. I never received any response from you in the 30-day period they had to investigate. This is a violation of 15 USC 1681I ( a ) ( XXXX ) ( a ).
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. Experian, XXXX, and XXXX  are reporting accounts that are not mine and are allowing these collection agencies report false information.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NV)

My Discover Fin Svcs card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to Discover and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to Discover and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.
Consumer complaint received 2018-06-25
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/2018 I called to attempt to settle my debt with XXXX XXXX. The agent was polite at first and outlined options for what I could do to pay. I informed her that I did not have the money now, but would have it in XX/XX/XXXX. She was aggressive about me paying, and then attempted to get me to pay some amount today. I informed her that I would need to speak to my wife and see our financial situation before making any such action. At that point, the agent became very rude and used aggressive language " You have a history of making promises and never delivering '' and repeatedly cutting me off, even as I strove to continue being polite and explaining myself. When I asked to speak to a manager or other personnel, she refused to put me in contact, repeatedly stating that they were at lunch ( at XXXX EST ) and could not be reached via voicemail. She then explained that she was not even the agent in charge of the call but that I did not have a choice in the matter, that I got whoever I got, and that if I did not pay today, there would not be a chance for a settlement.
Consumer complaint received 2018-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by XXXXXXXX XXXX, Capital One and XXXX XXXX are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Consumer complaint received 2020-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  XXXX XXXX was reporting my home mortgage payment late for several months. I contacted XXXX XXXX   XXXX in XX/XX/2019 regarding this issue. They wouldn't respond so I filed a dispute with all three credit bureaus and included bank statements to document all of my mortgage payments were paid on time. 

XXXX  XXXX XXXX has destroyed my credit score due to this error on their part. But what's more disturbing is the fact that none of the three credit bureaus even looked at the documentation I mailed them. They replied that they checked with XXXX and the reporting was correct. 

I've been fighting this for over 5 months with XXXX  and finally have received a Payment History Report from them that shows my payments were made on time.