davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (MI)

National Credit systems contacted me for a debt in XXXX. I disputed the amount and what it was for and was provided little information or how the charges were brought about or were they actually done. I did research and questioned the validity of the debt and the collector which has been pretty shady. I paid them in XXXX of XXXX so i could continue to rent apartments which I have done so for three years. They closed the account on my account in XXXX XXXX, just to reopen it in XXXX to say that I owe it. They refuse to provide the paid letter and any information on the debt, so I can take it the legal route. I lost the paper they originally sent to my apartment in XXXX I do have my bank statements showing that I paid them in XXXX XXXX and I will gladly show them but they refuse to accept them.
Consumer complaint received 2015-04-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (NJ)

Received a loan from CashCall. Was given a {$1500.00} loan and now the interest rate is 129 %. CashCall is trying to collect an additional {$4100.00}. This company 's policies are horrible and they are taking advantage of people during difficult times. The distress that I have been under since dealing with this company has been unimaginable. I do not know how this can be legally allowed. Please help.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

Initially XXXX  XXXX  XXXX  didn't even offer me any programs when I contacted them to tell them I would be late on a mortgage payment because my mom passed from XXXX XXXX ; I explained to them in great detail how her illness and death adversely affected me financially. Later, I was told about and placed on a Forbearance with XXXX  XXXX  XXXX  but yet they reported me late for XXXX, XXXX and XX/XX/2020 mortgage payments.. 

They also did not notify me that my XXXX XXXX backed mortgage would allow me 180 days to not make a mortgage payment, without being on a forbearance and without any penalties or fees. 

American Express- After years of letters back and forth explaining to them that I never owned or used the credit card for which they reported me delinquent, they continue to report such derogatory and erroneous information on me to the credit bureau. 

Both XXXX XXXX XXXX  and American Express ' negative reporting of me has now prevented me from getting prequalified for a new mortgage so that I will not be homeless when I sell my current home ( which is financed by XXXX  XXXX  XXXX  )
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I noticed a charge that I was not familiar with so I immediately call bluebird American Express at XXXX. A male IVR picked up and said they are expecting higher than normal call volume or they can not answer right now, and it disconnects after 5 seconds. I thought that was very strange and unacceptable. So once I got off from work, I kept calling and a woman IVR picks up also and NEVER EVER gives me the option to speak with a live representative. Between XXXX and XXXX I made six call attempts until I gave up and said Ill just call back tomorrow. My last call was this morning, XX/XX/XXXX : same result. 

I have made over 25 phone call attempts in 7 days. I have even dialed the international number to no avail, and reached out to Bluebird Amex on XXXX, and they advised me to call the same non-working number XXXX. My phone number was provided through our XXXX exchange, and I told the person on the other side of the screen what was going on, yet no one contacted me to resolve anything.. 

That is unacceptable. If a business is holding my funds or if I am their client, I should be able to reach them anytime during operation hours!!!! Especially if I suspect fraudulent activity!!!! I have never had any issues with Bluebird and I love them, but this first-time problem is major, and intolerable! 

I also think it is ridiculous that I can not email, live chat or reach someone alternatively -- only through an XXXX number or through XXXX!
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Fidelity LP (MA)

Received a continous subscription with XXXX XXXX  for XXXX ornaments. I cancelled the subscription. I received a phone call from a debt collection agency requesting payment. I asked said debt agency to provide verification of the debt and they said it was sent. Mail has been lost all the time since covid. The subscription for the ornament was withdrawn through direct withdrawl. The collection universal fidelity LP. The women was very rude and kept saying to pay your bill. I told her I wanted proof of the debt to make sure I wasn't double paying.
Consumer complaint received 2017-03-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EOS Holdings, Inc. (VA)

I was contacted on my personal cell phone number regarding an alleged debt owed by my girlfriend. She has been receiving harassing phone calls from this entity for weeks. The caller identified as XXXX from EOS CCA ( http : //www.eos-cca.com/ ) but he refused to provide additional information regarding the purpose of his call, the nature of the alleged debt, how my number was obtained, or any other matter. He called from XXXX. There is no legitimate debt to collect and this contact of third parties ( i.e., myself ) is totally unwarranted. Neither I nor my girlfriend have had any business interaction with EOS CCA and there is no reason why they should be harassing us with repeated phone calls.
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

There are XXXX strikes against my Credit. XXXX of them being an old apartment complex that I was told would not be charging us for final rent as well as would be returning our deposit due to mold issues in both the apartments we lived in during the one year lease. 
The other mark on my credit is a medical bill that should have been taken care of by a work mans comp claim through the XXXX I used to work for. 
I attempted to dispute these marks through XXXX. I filled out the original account look up page info. Upon completing it they asked me question relating to " loans I took out '' such as mortgages and car loans. The questions asked what company I took the loans out from and how much my minimal payments were. The problem is I did n't take out any loans from any company nor do I have minimum payments of any kind for these non existent loans. I answered the questions with " none of the above '' since these loans did n't exist and the response back was that that did n't match the info they have. Now I am concerned that identity theft may be an issue on my report as well although I did not see any physical proof of such.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2018, my ability to buy crytocurrency currency via Coinbase was suddenly blocked, without reason or warning. My guess is that it's from my bank flagging and stopping a duplicate charge made by Coinbase. I reached out that day to Support and they stated that they'd look into it. 

11 days later I reached out for a status update and was told that it was escalated. I never heard from them again. 

I wanted to use the account yesterday to get back into cryptocurrencies and it's still the same issue. I reached out to support and received the same response regarding looking into it. 

I created a new account, hoping that would allow me to buy via Coinbase and the new account is flagged. They must be freezing accounts at the SSN level, as the phone, address, and payment methods are all different between the accounts. 

This is fraudulent activity. It looks like payback for my bank sending the second of duplicate charges back to Coinbase - which SAS right because I didn't I only authorized one transaction. 

From my research, this has happened to quite a few people. It's shady. Please either restore my ability to buy crytocurrency.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

On XX/XX/2016, I used online bill pay through the University of XXXX XXXX and accidentally sent my XX/XX/XXXX mortgage payment of {$1800.00} to Ditech, the mortgage company that previously held my loan. My loan was transferred from Ditech to XXXX Mortgage in XXXX. Ditech cashed my check and I was not aware that I had made an error in payment until I received a letter from XXXX Mortgage on XX/XX/2016 stating that they had not yet received my XX/XX/XXXX payment. I reviewed my online bank account transactions and discovered my error. I contacted XXXX Mortgage right away and explained my error and sent them proof of my on time payment and error. I also contacted Ditech who originally told me that the money was transferred to XXXX Mortgage on XXXX or XXXX and that XXXX Mortgage should be receiving shortly. As of today, XX/XX/2016, XXXX Mortgage still has not received any transferred money from Ditech. Ditech has now told me that they transferred the money on XX/XX/2016. Each time I call Ditech I get different information and no one is able to provide proof that the funds have been sent to XXXX Mortgage. I am incredibly frustrated and feel that Ditech has stolen {$1800.00} from me and are causing harm to me by not releasing the funds to XXXX Mortgage and they are creating a domino effect of issues on my current mortgage and XXXX be negatively impacting my credit.
Consumer complaint received 2016-06-20
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Collector called saying they were from XXXX XXXX XXXX 2x in a row.. We filed bankruptcy in 2012. They were collecting a debt from Best Buy for {$4000.00} some dollars. After my husband spoke and said a few choice words - I asked him to excuse himself from phone. I then proceeded to tell the person I was pretty sure he was n't suppose to be calling me because we filed bankruptcy and a letter was sent to Best Buy. He then got smart and said what is the number then. I proceeded to ask him who he was and why he was calling. He then said the debt was from XXXX XXXX XXXX and after asking a couple times that his name was XXXX XXXX and he was a legal assistant at XXXX XXXX with a number of XXXX ext XXXX and gave me the address of XXXX XXXX XXXX XXXX PA XXXX. I gave him the name of the attorney for the bankruptcy and told him I was pretty sure he was n't suppose to be calling. That XXXX XXXX XXXX or XXXX XXXX XXXX should have checked the account before they started collection procedures.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my XXXX XXXX card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to XXXX to have this account blocked. I then spoke with XXXX, and they said that the account was blocked because the credit bureaus had sent them a letter, I have been going around in circles trying to correct this. 

This account was never in my initial dispute, if any information provided by the credit bureaus to have this account blocked from being used. Please send them the. XXXX they are requesting to have it unblocked from you and there is no fraud attached to this account.
Consumer complaint received 2016-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (RI)

I would like to settle my debt with the help of a family member. However the amount of my debt is incorrect. Payments from wage garnishment are not credited anywhere, as far as I can tell. We have paid nearly {$10000.00}, but there has been no credit towards my debt. If my wages are going into a bottomless pit, instead of towards repaying my loans, that is akin to loan sharking. It should be illegal.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

In XXXX 2016 I requested and received a payoff letter from XXXX for the mortgage on my home in XXXX XXXX XXXX Florida. I received a payoff letter dated XXXX XXXX, 2016 that indicated a payoff amount of {$210000.00} valid through XXXX XXXX. I wired {$210000.00} from my account at XXXX in XXXX on XXXX XXXX to XXXX XXXX as directed by the payoff letter referencing my mortgage account as the beneficiary of the wire.I then waited for the payment to be processed and the mortgage released. Instead of a release of my mortgage I received a letter from Ditech Financial dated XXXX XXXX indicating I owed Ditech Financial an additional {$750.00} for a shortage. I paid the amount required by XXXX. 
Apparently XXXX sold my mortgage to Ditech and nevertheless issued the payoff letter indicating the amount due. XXXX acknowledges the receipt of my funds on in full on XXXX XXXX. XXXX has repeatedly indicated they can not help and refer me to Ditech. I have called Ditech repeatedly over the ensuing months explaining my situation sending copies of the payoff letter and wire confirmation and do not ever get a return call or any help what so ever. 
Most alarmingly Ditech has now put me in default and threatens foreclosure. I NEED HELP!!!!
Consumer complaint received 2015-10-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC (WA)

I bought a house a could n't really afford. I never made a payment. When I was 3 payments behind, I sold the house. It sold for substantially more than I owed and even th the late fees, etc. were covered by the sale. The day it closed, a collection person from the mortgage company called to say he would not accept the payoff funds unless I came up with an additional {$1200.00} THAT DAY. If I did not, he would reject the payoff funds and begin foreclosure proceedings. I paid that amount through the escrow agent and the sale closed. A full 10 days later the mortgage company filed foreclosure on the house, naming me AND THE NEW OWNERS as in default. I was able to get the trustee agency to close the file, but not before it was reported to all XXXX credit bureaus on my credit report that I had an ongoing foreclosure. My attorney wrote them and demanded the foreclosure be removed from my credit reports, along with the XXXX late payments as they had been paid in full. To my knowledge, they removed the foreclosure from XXXX of the XXXX credit bureaus, and 2 of the late payments. My understanding is that XXXX still shows the foreclosure and 4 late payments.
Consumer complaint received 2022-02-15
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)

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX -These personal information are need to be corrected. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. 


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 XXXX XXXX XXXX XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately.

TRANSUNION Personal Information Also known as : XXXX, XXXX Current Address : 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 XXXX XXXX XXXX XXXX XXXX  -These personal information are need to be corrected. 

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 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 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 XXXX XXXX XXXX XXXX XXXXThese accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

The city of XXXX, Ohio has now sent a collection amount to debt collection attorneys Weltman , Weinberg & Reis XXXX XXXX XXXX XXXX XXXX for a debt proven through bankruptcy lawyers that I do not owe. I lived in the city of XXXX from XX/XX/XXXX-XX/XX/XXXX in which they are stating I owe taxes for XX/XX/XXXX-XX/XX/XXXX in which those years I resided in XXXX, Ohio. The attorney office at the time which was XX/XX/XXXX sent proof of address to the city of XXXX to verify I only resided there for one year. I was evicted out of the place I resided at in XXXX and move back to XXXX. The city of XXXX prove my residence by sending statements to all XXXX addresses. So not only did the attorneys supply proof but also the city of XXXX.
Consumer complaint received 2016-03-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC (FL)

Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to XXXX. A telephone conversation with a XXXX representative indicated that my XXXX account balance this morning is {$0.00}.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

My credit cards were closed after 10-years with no explanation. 

Left over 5 messages for the bank and no one ever call me back. 

I never had any type of fraud on my accounts and my accounts were always in good standing and my credit limits were always increased based on my spending.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I  applied for a modification with SPS Servicing , Inc. However,  I received a denial letter dated   XXXX   XXXX   XXXX     advising I am not eligible for any retention loss mitigation options. However, after reviewing the denial letter they sent me the income they used in determining if I am eligible for assistance is {$1200.00} however, that is not the income I provided. I provided a profit and loss in the amount of {$4200.00}. Therefore, I want to know how they arrived at a figure less than what I provided. Furthermore, I have an ARM mortgage with an interest rate of 7.40 % therefore, I find it unlikely that I can not qualify for a lower interest rate to help me save my home.
Consumer complaint received 2016-06-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California (CA)

I had XXXX bills from XXXX that i did n't know about at {$100.00} a bill ; XXXX of those bills belonged to my ex girlfriend ... i contacted collection consultants to resolve the issue and they told me that i could n't resolve XXXX of the bills because there was a third party involved so i told them that if it 's on my credit report then i should be able to handle it otherwise they need to remove it from my credit report. I paid off the {$100.00} bill that belonged to me and when i contacted them a few months later to make sure i had nothing else on my report they told me i owed nothing else ... after going online and disputing those false charges on my credit report, XXXX and XXXX immediately deleted them from my credit report ... Collection consultants decided that they had changed their minds and rejected my disputes ; they now claim i can pay those bills or they will stay on my credit report ... they are a bad and disorganized company with evil intentions and will stop at nothing ; they lied to me and now are obviously acting in desperation to collect any money with no regards to the pressure and stress they have caused me ... please help me make sure they stop their unorthodox business practice towards me and all other consumers ... the lady i was in contact with from collections consultants goes by the name XXXX XXXX
Consumer complaint received 2016-05-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

We refinanced our FHA loan on XXXX/XXXX/16. The funds were wired by our attorney to the old lender ( PennyMac ) on closing date ( XXXX/XXXX/16 ) as per the payoff letter attached. The payoff letter included a full month 's PMI payment for the month of XX/XX/XXXX. After closing PennyMac charged us two additional PMI payments in XX/XX/XXXX and XX/XX/2016 out of our escrow account, claiming that we closed on XX/XX/XXXX and those payments were for XX/XX/XXXX/XX/XX/XXXX. We closed on XX/XX/XXXX and the funds were received by PennyMac the same day as can be seen in the attached wire print screen provided by our attorney. We were overcharged those two additional PMI payments and PennyMac needs to credit our escrow account for those payments and refund us the funds.