davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (GA)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments/utilization on multiple accounts : XXXX. XXXX XXXX Unverified/Not Metro 2 compliant XXXX. XXXX XXXX Unverified /Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXXXXXX Unverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXX  Unverified/Not Metro 2 compliant XXXX Unverified/Not Metro 2 compliant XXXX. XXXX Unverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX compliant XXXX XXXX XXXX XXXXUnverified/Not Metro 2 compliant XXXX XXXXUnverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant and/or utilization is an experience created by credit usage XXXX 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2015-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XXXX XXXX, 2015 I applied for a housing loan with XXXX XXXX, the loan officer at Citizen 's Bank in XXXX, PA. I had already pre-qualified and found a property to purchase as an investment. I have great credit and was able to provide documentation as to the sources of income that would be used for down payment, closing costs, etc. The closing date was to be XXXX XXXX, 2015. But then, the bank decided to change the terms. On XXXX XXXX, XXXX called and said that I needed to have fire insurance on the property. I did obtain insurance even though I had been forced to sign an extension and at this point, we no longer had a closing date. After submitting more financial records, I was then informed that, since this was an investment property, I would need to have additional funds in addition to a 20 % down payment. They wanted me to have XXXX months mortgage " reserves '' for my home residence, for the property being purchased, AND for a rental property that I already own. This was NOT disclosed to me from the start, and even if I could come up with the extra reserves, the funds would not have been " seasoned '' enough for their liking. I then came up with a solution : since this property is nicer than the home I live in now, I offered to purchase the property as a residence to live in. That would lower the down payment and eliminate the need for reserves. With the loan officer 's assistance, we drafted a letter to the underwriter, XXXX XXXX, detailing the reasons why it would benefit me to buy this house to live in. She refused to restructure the loan and inferred that I was a liar. And while trying to do whatever I could to make things work, what followed was weeks of asking for more extensions, not answering my phone calls, and supposedly waiting for " paperwork. '' Then I was told that I could apply for a " family loan '' by purchasing the home for my son to live in. I was willing to do this, but several more weeks passed with no phone calls or correspondence ; except for our real estate agent asking for more extensions. Finally, on XXXX XXXX, it was suggested that they may have another lender that could help me. At this point, the contract would expire the next day and I decided to terminate the agreement. I had already spent close to {$1000.00} to obtain a property inspection and an appraisal ( requested by the bank ). In addition to the funds lost, months of time were wasted in which I could have pursued a different lender if Citizens Bank would have been honest from the beginning. This whole process was a nightmare. The regulations in place to prevent someone from getting a loan are ludicrous. However, the situation was made even worse by Citizens Bank for stringing me along while I spent money and made arrangements to occupy this property. And the other victim is the seller who was under the assumption that their home was being purchased and therefore, lost months of time that could have been used to market the property to other potential buyers.
Consumer complaint received 2015-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

I believe the debt not to be mine as the apartment manager claimed I could move out and as long as they re-rented the apartment there would no problem. I know they quickly re-rented it. Yet they are trying to collect {$3000.00} on damages? How do they come up with that number. They say after insurance I owe {$750.00}. Plus a XXXX collection for {$3900.00}. Its all fee 's. 
I was medically ordered to move from the location, I have a doctors note as well as my personal statement attached.
Consumer complaint received 2016-09-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC (OH)

I first got into trouble with making student loan after receiving a forbearance or deferment from First Associates of a few months. Things did not get better with me in that time and their lower payment options were just under {$100.00} which I could not afford that either, But I attempted for 3 or 4 months to pay as agreed but just could not keep up without letting something else go. I communicated this to them, however it was to no avail. The help they give is not really help at all.
Consumer complaint received 2015-06-11
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (AR)

I authorized my bank to pay {$440.00} to Western Union XXXX WU XXXX on XX/XX/XXXX. WU received the money from my bank on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX from XXXX to WU for {$440.00} ). 
WU cancelled the transaction on the same day and promised to return my money. Today, 7 days later XXXX! ), after daily phone calls, emails, and chats, they are not willing to comply with such basic rule of any banking ( or for that matter business XXXX institution. If WU had any issue they should have contacted me before cancelling ( they did n't even try ) and, in any case, NOT TO TAKE MY MONEY because they were not going to comply with WU 's side. Now that they have it, WU MUST RETURN it with the same celerity that I paid them. Additionally WU should pay for the damages caused by WU 's poor business behavior.
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

We had a home mortgage through  XXXX   XXXX  that allowed us to pay the loan off a head of time without penalty. We put additional money to the payment to have the loan paid off in  XXXX  instead of  XXXX . At the end of  XXXX   XXXX  sold our mortgage load to a company calle d Select Portfolio Servicing , Inc  out of  XXXX   XXXX   XXXX , Utah. In the letter  XXXX  said Nothing about our mortgage load will change.     We sent our first payment t o SPS, Inc o n  XXXX   XXXX . A little while later we check and saw the the check had been cashed. They never sent us a statement on how the money was disbursed. After contacting  SPS  customer service, they sent us the breakdown. The total payment was being held in a thing called unapplied payments because our account was paid up to date until  XXXX  of  XXXX . Upon talkin g to SPS as to w hy, they said they are reviewing it. All we want is the same procedure that  XXXX  was doing with are payments.   Ta king out Principle, Interest, and the add itional principle that we send monthly.     We set up online payments with this company and was told we did it properly. but on  XXXX   XXXX  we tried to do our payment online and was told we were ineligible.   Called SPS back the account is still under review. It just seems like we ca n't get a straight answer.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I have POA for my XXXX XXXX XXXX XXXX who XXXX. Our Attorney reviewed the POA document and advised it was good for managing her financial, personal and health maintenance and more. My sister is currently in a XXXX XXXX XXXX XXXX XXXX XXXX release her to an XXXX XXXX XXXX XXXX XXXX. We have located one and are having her transferred but our local BB & T branch holding her money will not allow me to allocated the funds. The doctors,  attorney, XXXX XXXX XXXX, pharmacy and everyone else is in agreement that our document is valid and was executed two years ago prior to her XXXX progressing to the state where we have to assist her in order to keep her safe. This document has even been registered with the NC Dept. of registrations and deeds. I do not want her funds for my personal use but solely to pay for her own personal needs. Because she has a sizable amount of money in the bank the NC Dept of Health and Social Services advises they can not assist with any ongoing healthcare cost until her personal funds are reduced to only {$2000.00}. We need to get her assisted living fees set up as autopayments and need to have access to other funds to pay her other bills and personal maintenance.
Consumer complaint received 2016-10-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I was approved for a XXXX Trial Payment Plan in XXXX 2016 by Ocwen Loan Servicing , LLC . First payment was due on XXXX/XXXX/2016. I called my relationship manager, XXXX XXXX, last Thursday on XXXX/XXXX/2016 asking if my payment could be made by phone or electronically. I did not receive a return call from XXXX XXXX. When I call Ocwen 's customer service, I get the voicemail of XXXX XXXX. I looked at my account online and Ocwen does not show my payment has been received. XXXX XXXX is out of the office due to weather issues in the XXXX XXXX XXXX area. I have sent email communication today, XXXX/XXXX/2016, to XXXX XXXX to find out if my payment has been received. 
According to the documents received by Ocwen, " Trial Period '' payments must be received on or prior tot he XXXX day following the due date provided on each coupon. I would like to make sure my payment has been received. I mailed my payment on XXXX between XXXX XXXX and XXXX XXXX at the post office. I went to Ocwen 's website to provide the details of my payment earlier this week. Payment was mailed to the following address : Ocwen Loan Servicing , LLC, Box # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Check # is XXXX in the amount of {$3200.00}. I am not sure how often this mailbox is checked for payments and how long it takes to process these payments. I have been unable to reach anyone from Ocwen to discuss my concerns on the receipt of my payment. My prayer is that payments are processed in a timely manner so that we qualify for a permanent modification and that Ocwen does not delay the processing of our payment.
Consumer complaint received 2023-03-22
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. (NV)

In accordance with The Fair Reporting Act the following companies has violated my right. 
XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 an account without my written instructions
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (IL)

On XXXX of XXXX XX/XX/XXXX of ILLINOIS XXXX XXXX submitted a collection for {$200.00} with Ability Recovery Services. I just recently moved back to XXXX at the end of XXXX, prior to that all my healthcare was on the XXXX base, and since being in XXXX all my care is through the VA. I have great reason to believe that this is not my debt, and I am unable to validate this.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (LA)

Discover card opened in my name. Discover called me on XX/XX/2019 concerning 'suspicious ' charges. I told them I did not open account, did not want card and close it. They said additional card issued in my daughters name. I told them I did not approve and close it. I would check with my daughter. I called numerous times over the next few months. Card was closed and new one reissued. Discover allowed over {$9000.00} to be charged after they were told multiple times I did not open this account, did not want it and close it. I have filed paperwork and called to have it closed. Discover is now calling me up to 10 times daily and harassing me. They say I knew about the card so I am responsible. The same conversation I found out about the account they were told to close it. When balance was about {$4500.00} I finally got it closed and they opened a new account. I have not made one charge on this Discover card. I never received a card.
Consumer complaint received 2016-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Business & Professional Collection Service Inc (NV)

To whom it may concern, On my last visit to this office ( XXXX XXXX & XXXX XXXX, XXXX XXXX office ), the doctor made some confirmation and told me that everything would be covered by my insurance and I only have to pay the copay, and that was why I agreed to have the procedure done. I came to front desk and made the copay payment and even asked them if I owed anything else. They confirmed that I dont owe anything else. But I just checked my credit report, I have a collection from them of $ XXXX.This is affecting my credit score I request this tobe resolved since it 's the wrong amount posted on my account. My balance should be {$0.00} and I should not owe them anything I called their billing office to try to resolve this but they were mean, used profane or other abusive language and said I still owe the amount. She sounded like it was okay for them to lie and misinform their patients including me ( that I didnt have to pay for the procedure ) so that I will agree to do the procedure I called my insurance and they told me to call the doctor billing office and tell them to call my insurance but they refused to do it
Consumer complaint received 2015-06-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credence Resource Management, LLC (TX)

XXXX/XXXX/15 requested debt validation from Credence collection agency. 
Although this is not appearing on my credit reports, Credence is required to provide validation of debt within the legal allotted time frame. It is XXXX/XXXX/2015 and I have not received any information verifying this debt if {$650.00}.
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I am a disabled/retired state employee that banks with the State Employee Credit Union. They also hold my mortgage ... Which is two months behind. I have been working with XXXX XXXX, at the XXXX XXXX office in XXXX. Last month she deducted {$300.00} out of my checking account to go towards my mortgage ... without any notice or authorization from me. I live on XXXX and a widow 's check ... And I barely make it month to month. To take {$300.00} from me causes me a hardship you would n't believe. My co-pays for my meds are around {$200.00}. I got on the phone last month and ended up talking to XXXX. He told me that if I ignored letters and phone calls, they could legally take it out. This was the case with me ... last month. He allowed me some money back so I could get my XXXX and live on until my next check on XX/XX/XXXX. Well ... She did it again! She took out {$300.00} on XX/XX/XXXX. Only this time I had not ordered my medicines yet ... Any of them. XXXX XXXX suggested we call the bills I paid that morning to get them to hold or delay payments ... I declined. She also told me that the money was showing in my account and that I should hurry and get my medicines while it was still there. I was NOT out of touch with her ... we had talked the previous month. We discussed me putting money into my share account ... And I had put {$100.00} in there ... she still deducted the {$300.00}. he has no right to decide how and where I spend my money ... And especially not to leave me hanging with no money and n medication for 3 weeks. Seems like she should be doing foreclosure papers ... Not taking my money
Consumer complaint received 2015-08-03
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Zarzaur and Schwartz, PC (AL)

I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

attached is the letter from XXXX  XXXX XXXX  XXXX  stating from manager that she would delete the account appliance warehouse XXXX from my Transunion XXXX and XXXX ... .... reports after i have made and have made my payment of XXXX $ that we settled for and it was paid on XX/XX/2022. pls remove from all Transunion, XXXX and XXXX reports. thank u.
Consumer complaint received 2016-09-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/2015, I traveled out of the state of my Mortgage residence owned, XXXX, to work on a three month contract in the state of XXXX. My account at Bank of America ( Mortgage Checking Account ) was lost and lifted out of my name by Bank of America. The account status was never fully restored and payments to my mortgage when I returned to reside at my home in XXXX in XX/XX/XXXX-XX/XX/2015 were refused application to my Mortgage account and lost. I also found two years of Escrow take on my Mortgage Escrow funding.
Consumer complaint received 2023-03-22
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: National Credit Systems,Inc. (AL)

I RECEIVED MY ANNUAL REPORT AND I AM EXTREMELY UPSET DUE TO IDENTITY THEFT THERE ARE A NUMBER OF THINGS REPORTING INCORRECTLY ON MY CREDIT REPORT. XXXX COLLECTIONS OPENED XXXX {$250.00} XXXX XXXX XXXX OPENED XXXX {$830.00}. INCORRECT S THESE ACCOUNTS WERE NOT MADE BY ME. PLEASE HAVE THEM REMOVED. THESE ADDRESSES ARE ALSO INCORRECT Addresses : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX AL, XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA , XXXX Address ID # XXXX Multifamily XXXX XXXXXXXX XXXX XXXX PA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX AL, XXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XXXX Address ID # XXXX Single family XXXX XXXX  XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX MA, XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family