davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX, XXXX, CA XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau : Complaint regarding XXXX XXXX XXXX XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear Sir/Madam In XX/XX/XXXX, I stopped receiving paper bills from XXXX XXXX XXXX XXXX XXXX. 
Without informing me this company changed to e-bills, and I did not know this had happened. 
Unfortunately, this product has not performed properly or legally and the service was totally inadequate. They then to my surprise and shock, they reported this to XXXX  and my score dropped by 100 points. 

I spent the next months until XX/XX/XXXX to try and remedy this. I made numerous ( up to 30 ) phone calls to ask what's wrong. Either the line was busy, or the wait was over 45 minutes. The operators, once I was able to get through, could not speak English properly and/or they did not understand my questions. Sometimes they even hung up on me. 

To resolve the problem, I would appreciate your help in reversing my Credit Score problem. 

I look forward to your reply and a resolution to my problem. I will wait 3 more months before seeking third-party assistance. 
Please contact me at the above address or by phone XXXX Yours truly, XXXX XXXX
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IL)

My XXXX XXXX debt went to court, was sent to Arbitration XX/XX/XXXX in the amount of {$7300.00}. I received no communication that it was out of arbitration, nor did I receive any communication or notification such as a phone call, letter or summons that it had gone back to court for judgement. I received a letter from my employer payroll dept. for 15 % wage garnishment of my gross pay in biweekly payments, and a certificate of judgement balance from the Circuit Court of XXXX County, IL on XX/XX/XXXX in the amount owed of {$9700.00} plus accruing interest, handled by Blitt and Gaines , P.C . in XXXX, IL. And yes, they have my current address. The debt has been paid ( totaling more than {$10000.00} ) in 22 payments, with the final wage garnishment of 15 % taken out on XX/XX/XXXX. While I find it offensive and wrong that I was never given any communication, my complaint is the final payment owed was only {$290.00}. The took 15 % out which was {$460.00}. I have made more than half a dozen calls requesting they return the difference of {$160.00}. This has been since XX/XX/XXXX. I encounter nothing but rudeness and each time they either state, " the check has been mailed, '' or " there's nothing we can do about the postal system ''. They are in XXXX and I live 3 hours south in XXXX, and the postal system has been slow? It's now XX/XX/XXXX, and I'm tired of calling them. I have faithfully paid this debt off every 2 weeks. I want them to return the extra money they took from my paycheck.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Rushmore Loan Management Services, through unfair violations of the FCRA, FDCPA and other state and federal regulations, continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies. They have NOT fully complied with their obligation to respond as they have yet to provide valid documentation to substantiate the inaccurate information they have been furnishing. 

Rushmore Loan Management Services has unfairly re-aged an account on my credit report and continues to update the falsified accounting without any well established justification. Rushmore Loan Management Services repeatedly responds that they are furnishing accurate data. Then, to undermine both Federal and State agencies, attach a multitude of " fluff '' documents, NONE of which substantiate their claim. Clearly, Rushmore Loan Management Services does not have any legitimate evidence to validate or they would have easily provided it by now. 

I have repeatedly defended my position by submitting a plethora of supportive documents, including the series of attached credit reports showing PROOF POSITIVE that Rushmore Loan Management Services has indeed illegally re-aged this account. It is completely unfair and unlawful that I continually provide proof of burden while Rushmore continues fraudulent misconduct without evidence nor questioning. 

Without well-established supportive documents, responses by Rushmore Loan Management 's Customer Correspondence Department do NOT provide one iota of validation and thus should be investigated thoroughly by all state and federal agencies for intentional fraudulent activities. 

Rushmore 's harmful and undermining misconduct has gone unquestioned, unchallenged and without proof of burden for far too long. I intend to seek relief, resolution and all and any recovery that I may be entitled to.
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MN)

I made 2 online purchases of phone refill cards for XXXX that were represented to give me 6 months of phone service for each card. I did received 2 phone cards but they were never activated /paid for by the seller. In other words I paid for 2 cards with zero value. In order to use the cards, I would have to pay the money all over again. I disputed the charges but Citibank denied the dispute since I did not return the cards to the seller. The seller never responded to my request for a return so that option was not available to me. XXXX confirmed that the 2 cards can be used once they are paid for as the seller never paid fr these cards at XXXX. The total amount lost was {$420.00}. I do n't understand why Citibank would not support my claim.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

I had a Shared Appreciation Modification Agreement with Ocwen. When I refinanced my house this year, conditions of the modification required that Ocwen would receive a percentage of the equity in the home. This calculation was based on the appraised value of the home, minus XXXX. I submitted documentation for XXXX and Ocwen added additional proof requirements not stated in the modification agreement, requiring they speak with the issuer of all receipts ( with places like XXXX this is nearly impossible ) and would not accept official receipts. I then actually met these additional and unreasonable requirements. Ocwen 's calculations reflected discrepancies in amounts, and denied receipts without explanation. Ocwen prevented me from speaking to the team that was reviewing expenses and doing the calculations. I received a payoff that was roughly {$1000.00} more than I should have paid. They denied several XXXX expenses, first claiming that I had n't verified purchase. This was false as I had to provide contact information for my receipts and verified with the entities in question that they had in fact verified my receipts. I had my attorney write a letter requesting answers to several errors in their calculations. Their response was only a letter stating they had already provided me this information, which they did not. I began my refinance in approximately XXXX and it was not complete until XXXX. The attorney letter and response took several more weeks. This is fraud. I need assistance forcing Ocwen to meet their contractual obligation under the shared appreciation modification to honor the documented expenses I provided, therefore lowering the money that was legitimately due to Ocwen by over {$1000.00}. They have been uncooperative and unresponsive. I have attached a spreadsheet itemizing the receipts I submitted for approval. I have noted where there were discrepancies and denial of expenses. I have summarized Ocwen 's calculations at the bottom, providing what I believe to be accurate calculation directly next to Ocwen 's errors. In addition, I have dozens of emails exchanged with Ocwen should they be required to resolve this issue. My belief is they violated the terms of the modification agreement ( I have attached a copy ) and committed fraud by denying me access to appropriate channels for resolution, consistently connecting me to staff that can not clearly speak XXXX which further prohibits resolution, deliberately adding additional requirements for documentation of expense in an effort to avoid crediting me for those expenses, unreasonable requirements for proof of payment that were not expressed in the modification, and unwillingness to provide clarifying information when my attorney inquired as to all of these issues.
Consumer complaint received 2022-07-20
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX-XXXXXXXXXXXXXX Balance : {$390.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I contacted a collection agency named XXXX XXXX and asking them the process to have a collectio removed from the XXXX credit reports. They suggested I contact all threeagencies and request they remove it from my reports. I contacted all three companies and XXXX & XXXX were very helpfull to start the process. Experian howeverwas of no assistance what so ever. I called again to XXXX XXXX and they suggested I write a letter to Experian and that may be of more help. I was hoping you could be of assistance in this process. To explain what happend to have the collection, I was looking into taking classes with XXXX College in XXXX and while we were there I was being shown how to inroll in classes via computer and without our knowing it enrolled in a class. 
I found out about the mistake once it went to collection. The amount was {$100.00} and is paid in full. Please do what you can to assist. 

Thank you, XXXX XXXX
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (WA)

This is a complaint of a general nature. Advertising on TV touts free credit reports and the link in the FTC websites citing free credit reports take a person to XXXX. In the end everything is provided with the exception of an individuals credit score. All XXXX credit agencies demand payment for this info. My question is of what value is a free credit report without this critical piece of information.
Consumer complaint received 2022-02-03
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hi On XX/XX/XXXX I refinance my car loan, I called the company and requested the 10 day payoff. Received the check and sent to the company to payoff the car loan XX/XX/XXXX. On or about, XX/XX/XXXX. I pulled up the account and noticed an amount still due. I was told at that time my payment was postmarked and received on XX/XX/XXXX, but not posted to my account until XX/XX/XXXX, and the payoff amount was now not only past the 10 day amount, but the amount given was incorrect. I advised them at this point that I was disputing the amount as I felt it was unfair, that I was given the wrong amount and also the payment was posted late. Which if it posted on the XXXX I am not sure why that was considered late. I advised the representative until the issue was resolved I did not want any late payment submitted to the credit bureau and followed up with a letter to their presidents office. In reviewing my account they have reported the balance of XXXX as a late payment to the credit bureau. I was contacted today by one of their representatives that said they had every right to report the amount as they deemed the amount as valid. I am not sure, but I believe when there is a disputed amount they are unable to report as late until the matter was resolved and I had a chance to make payment. I asked that they send me a copy of their policy and a letter stating that once I made payment they would clear any erroneous information from my file. The representative advised I would need to submit another letter to have the information removed and they would not guarantee the removal or provide me a copy of their policy. Is this legal???
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

We Made 2 separate payments to XXXX separate Loans to Ocwen Loan Co. in XX/XX/XXXX. Both payments were cleared by our bank. Ocwen says they received the payments through their lock box system but never received the funds, so they refuse to credit our accounts. We have sent copies of the cancelled checks and all the proof they have required, but we are still getting default notices and constant harassment. We have spoken to their various departments and now trying to get them to sign a fraud investigation form from our bank so we can recoup our money and resend them our payments. We are getting nowhere. We are very concerned that this effecting our CREDIT RATING and noone will address this with us. Please Help
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Dear XXXX, My loan with XXXX is incorrectly showing status and all my payment information is not there. As per new credit report, it is showing the last payment was XX/XX/XXXX ( XX/XX/XXXX ), when I am paying every month and it not showing that. Also, it is not reporting any of my trial payment that I made before. It is also incorrectly showing XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & prior months. I have sent letter to this company with " goodwill deletion request '' and so far, has not been granted. Prior XX/XX/XXXX, I was not responsible for these payments due to XXXX settlement, and I even presented that stipulation.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

Ocwen has been the hardest to work with I am XXXX service member who went though a divorce and been XXXX 4 times I have gave paper work to Ocwen 5 years now so I finally called witch never could speaks to anyone right and asked for a credit for give ness witch they gave me XXXX letter in XX/XX/XXXX and the next day they said disregard the letters cause I 'm selling the house out right. 
How can you get anything done if they keep playing games all the time. I have lost Freinds soldiers leaders and come back to Michigan to deal with a company that should n't be around
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

XX/XX/year> : Deposited {$500.00} onto my Chime card to pay my cell phone bill XX/XX/year> @ XXXX XXXX paid XXXX XXXX bile {$480.00} a mistake was made by the agent and the money was immediately refunded to my Chime account. I waited until the money showed back up on my account and re paid the payment ( {$480.00} at XXXX XXXX ). 
The next day Chime notified me my account was overdrawn, when I checked the return of the initial payment had been removed and BOTH XXXX XXXX payments had been withdrawn. 
I called XXXX XXXX who showed both paymens coming out but they also showed the one being returned and they gave me copies of this. I filed a dispute with Chime on XX/XX/XXXX after trying to resolve on the phone with agents.. This dispute was denied because they stated that XXXX had not returned the money ( of which I had provided them proof ). After calling for several days on XX/XX/XXXX I asked that the dispute be reopened and again submitted all requested information. I received an email this morning that they had denied the dispute because the transaction never happened. 

Apparantly they do business as XXXXXXXX XXXX in Delaware
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was fined {$70.00} in overdraft fees for XXXX payments. The payments were reordered in such a way that I was charged XXXX fees, even though there was enough money in the account to clear XXXX payment. second, I had {$4500.00} in deposits come in the next day ; those payments were supposed to come in on the XXXX but instead were posted the XXXX, which is what made my checks totaling {$1500.00} bounce on the XXXX. I contacted Bank of America multiple times and they refused to revisit the fees, even telling me that they purposely reorder payments from high to low despite stating publicly that they stopped doing that in 2013. I was directed to the depositor agreement, which merely states that they have discretion to order however they want, it does not say they order from high to low. They further started that i am not entitled to a copy of the recording of the conversation.
Consumer complaint received 2015-11-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kenneth, Eisen & Associates, LTD. (AZ)

I use to have XXXX, I cancelled them because I sold my house and moved to where they do n't offer service. I returned all my equipment to XXXX store and was told to wait for my final bill to reflect the equipment being returned. I never received any final bill, I even had mail forwarding on. A month later I received a letter from a collections agency named Kenneth, Eisen & Associates, Ltd. I contacted them and told them that I had not received my final bill and the guy said it was sent over to them. I asked him if it would go on my credit and he stated since I paid it immediately in full that it will not go on my credit. Here its years later and its affecting my buying my house.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AK)

I purchased a XXXX XXXX XXXX  for {$22.00} on XX/XX/XXXX and my airlines was rescheduled I got a full refund and and now Wells Fargo can't find my money. The refund for XXXX was provisioned to me and another XXXX was old but now I filed a claim for the missing money and it don't even show on my transcripts statements that I purchased at airlines ticket or {$150.00} with credited to my account. XXXX is the XXXX XXXX Confirmation number.
Consumer complaint received 2019-02-21
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (FL)

I am trying to refinance my mortgage. On XX/XX/2019, I contacted the collector, at XXXX XXXX, and was transferred to XXXX. I received a letter dated XX/XX/2019, which showed balance due was {$4900.00}. She insinuated they had no knowledge of that letter. I advised her I wanted to exercise the Lien Release Option. She indicated that wasn't their letter. I offered to settle the debt for {$7000.00}. She still indicated she had no knowledge of that letter and the amount due was $ 16,000+. The refinance company, XXXX XXXX sent Real Time Resolutions a payoff request, which they showed XXXX a payoff of over {$16000.00}. To the best of my knowledge and memory, Real Time Resolutions never officially advised me, via court filings, that there was a lien on my property. It only indicated that in the letters they sent. Now my refinance is more than likely lost to me because of this. They are unwilling to honor the letter of XX/XX/2019, and resolve the lien for less than the amount it secures ( the Lien Release Option ).
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I believe I was one of the individuals who Navient made my repayment of my loans difficult. My interest rates was was extremely high and bad information was given. Please help me to get to the problem of the situation.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (IL)

BarclayUS has a cutoff time for XXXX for the mininmum amount due time. In the past 6 months they charged me late fees of {$25.00}, for the simple reason that I might get stuck in traffic. I am paid by my employer daily, I make XXXX an hour and i have no way to make the payment in the morning or before, my money being very tightly budgeted. 
This bank rips me off.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

I am applying for Auto Insurance, I have been told that I have multiple Auto Accidents on my report. - LEXISNEXIS - AUTO CUE I had no idea that there were a company as such that collects Auto Claims and anything regarding such information. 
I have had only 1 incident back in 2018 and it was a NO FAULT incident in XXXX Florida. ( Iwas rare ended ) the person who hit my car accepted the responsibility. 
I had a claim my windsheild to be fixed.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion did not address my issue and claims they ca n't find the collection that is as clear as day on my credit report. This collection has been handled directly with the creditor and was removed from XXXX, however, TransUnion is still showing it on their credit report. It needs to be removed completely not showed as a " paid '' collection. I used Divorce paperwork from court to show that this debt was not mine and XXXX XXXX XXXX cleared the debt and had it removed completely from my credit as a collection. TransUnion is still showing it as a collection for some reason.