davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Group and Associates LLC first attempted to call my wife, using a blocked number. They then called me, also blocked number, regarding a debt that I have no recollection of for a large sum of money. The debt is supposedly from XXXX, a company I currently hold a card with, from 2016 ( outside of Texas statute of limitations, regardless of the fact its not mine ) Caller had multiple pieces of personal information, including my address, which he emphasized several times. He threatened to sue multiple times and declined to provide written proof of the debt, as they had already sent it. I have received nothing from this company.

Call was terminated when called advised I was going to be served. 

I immediately called XXXX who advised they have no records of any debt owed to them or correspondence with this collection agency
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus is reporting inaccurate information on CAP1/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (FL)

This is a system issue because the same issue has happened to my mother. Navy Federal Credit Union will ask for a password when verifying the account. Its a password that each customer can choose. After speaking with a representative I received a email stating my password has changed and if you have not changed the password please call Navy Federal CU. I call back and sure enough my password was changed with out my permission. My mother had the same problem with NFCU. At that point they refuse to help you and refer you to a branch or fax documents. The problem with this is my account is going to be late and possibly have a negative 30 days late. They dont send me statements because I am no longer a member otherwise I would mail in my payment. Since I no longer have the Credit Card I do not have the number to mail a payment.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stuart-Lippman and Associates, Inc (IN)

Stuart Lippman and Associates based in XXXX, Arizona first called me on Thursday, XX/XX/XXXX at XXXX. XXXX XXXX spoke to me over the phone. She stated the name of the person she was wishing to contact. For the purpose of this report, let 's call him XXXX. I informed her that I was not XXXX and asked her to please not contact me again, as I am obviously not the right person. I received another phone call from XXXX XXXX on Thursday, XX/XX/XXXX at XXXX. Exactly one week after I informed her that I was not XXXX. I believe they record all of their phone calls so all of this information should be available to them to listen to again. I missed their first call, so I called back on the same day ( XX/XX/XXXX ) at XXXX to once again ask them to stop contacting me. On the call on XX/XX/XXXX at XXXX, I informed XXXX XXXX once again that I am not XXXX. Again, I requested that she not contact me further as I have no debts, am NOT XXXX, and have already requested once to not be called. I asked them to place me on a " do not call '' list and XXXX informed me that they don't have a " do not call '' list. I told XXXX that it was illegal for her to continue contacting me, as I have requested she stop calling, AND informed her twice that I was not XXXX. In response, XXXX stated, " well then have your dad call us back. '' I believe the behavior of this company and XXXX XXXX is absolutely inappropriate. XXXX XXXX 's actions on behalf of her company were a direct and illegal breach of the Fair Debt Collection Practices Act of 1978.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that QUALITY ASSET RECOVERY would verify the debt. So I took it upon myself to ask QUALITY ASSET RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

about 2 months ago i checked my credit and found a collection on my credit report i wrote to the 3 credit bureaus XXXX XXXX and XXXX about them reporting that derotegrtory item on my report. i also tried reaching out to the company in writting for help just to see whom they said i owe and what its for but i got no response and the 3 bureaus keeps telling me verified. but when i ask for proof they just keep sending me back to the collection agency. so i XXXX it and found your site. i am asking for help if you can please help me its damaging my character. i tried to make mends and no response but its sitting on my credit report. the company is XXXX XXXX /RESURGENT CAPITAL SERVICES ID # XXXX. thanks inadvance.
Consumer complaint received 2021-09-10
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Longbridge Financial, LLC (OH)

Back in XX/XX/2021 I started looking for a reverse mortgage and was proceeding with XXXX. I then found Lonbridge Financial whos said they would be way quicker and easier to deal with I foolishly believed their sale pitch. I provided all financial information they requested and they provided a Reverse Mortgage preliminary offer. The property value was tight but on appraisal it cam out with {$30000.00} to spare. 
I submitted all documentation as requested in a timely manner. 
They did have an issue that as naturalized citizen much of me assets were still in the XXXX so at no little expense I transferred money to my XXXX XXXX  account in the sum they requested and was promised that having done that my loan would be able to proceed. 
They were fully aware that we were engaged in spend down so that my sick wife could go onto XXXX and that the funds raised were for the equipment see urgently needed. 
Out of the blue I get a call saying they did not wish to proceed. In the intervening period I think her credit card debt may have risen so all they need to to do was to explain this and ask me to close of dept of produce further funds. I should add that we both have credit ratings in the mid 700 's never mise any payment. The sales lady, who is equally frustrated, admitted that a member of staff had been sitting on our papers and they had not been forwarded in a timely manner. NOW this is despite their most senior underwriter confirming two weeks ago, she was at a conference at the time but still called me with the good news, that the loan was ready to go if I could show {$70000.00} in my US account this I did in 48hrs. Costing me a costing me a loss of nearly {$3000.00} and expense. 
If I knew I could not take them at their word and trust the verbal contract I would not have proceed. 
In my opinion the sales department oversells there capacity to deliver. 
They are very inefficient once things move to their back office, I was told they did have staffing issues and getting up to speed. 
Communication is poor. I have called many time once the money was deposited and she said the she had been told that she was told in the past if they did not contact promptly all was ok. 
VERY VERY DISAPPOINTED!!!!!
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a credit report from my bank that was submitted by TransUnion. The report indicated that my credit score of XXXX in XX/XX/XXXX was reduced to XXXX in XX/XX/XXXX and further reduced to XXXX on XX/XX/XXXX. All categories used to calculate my credit score reflected a XXXX XXXX with the exception of Inquiries. The report reflected a credit inquiry in XX/XX/XXXX when I applied to refinance my home and in XX/XX/XXXX for a line of credit that I did not apply for. According to TransUnion these two inquiries allowed them to reduce my credit score from XXXX to XXXX.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

This complaint is being written due to the multiple violations I have experienced with the credit bureaus! There has been fraudulent activity on my reports that they neglect to remove! I have called in and sent letters and have not gotten any responses! The information on my credit report is not 100 % accurate. Multiple clear violations which are purposely being ignored totally violating all the rights. This is not okay in any way and my research lead me here. I am hoping with this complaint I can actually finally makes some progress in removing this fraudulent activity off of my credit report! 

I appreciate all your help in this matter!
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: J J Marshall & Associates, Inc (MI)

XXXX the general manager got extremely rude and aggressive towards me over the phone and in person. Over the phone it was due to me asking why I can not log in to my account and pay online, to which he refused to say the website wasn't working and told yelled at me to just pay in person or over the phone. As I had to pay I chose to pay in person and in person when I asked for an emailed receipt, something they said they could do over the phone, He scoffed at me and refused to give me one and remained aggressive until I left.
Consumer complaint received 2021-09-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Ark-La-Tex Financial Services, LLC (ID)

THIS COMPLAINT IS AGAINST ; Benchmark Mortgage, aka ; ARK-LA-TEX Financial Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ID XXXX and ARK-LA-TEX Financial Services , LLC, XXXX XXXX Benchmark Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Complaint covers excess charges that occurred at the closing of the original XX/XX/XXXX VA mortgage loan and the XX/XX/XXXX VA refinancing loan. See closing statements below. 
Original VA mortgage loan. 
1. Charged VA loan funding fees even though they were given documentation of my VA XXXX. 
2. The original XX/XX/XXXX VA guaranteed loan included charges of {$2700.00} for Mortgage Protection Insurance ( MPI ). 
Refinancing XX/XX/XXXX VA refinancing loan. 
1. VA loan included funding fees even though they had documentation of my VA XXXX. 
2. The XX/XX/XXXX refinancing VA loan included charges of {$10000.00} for Mortgage Protection Insurance ( MPI ). 
3. Loan origination charges of {$2400.00} ( 0.85 % ) for XX/XX/XXXX refinance VA loan of an existing Benchmark mortgage. 
3. On XX/XX/XXXX Benchmark notified me of an escrow shortage of {$950.00} and increased the escrow withholding by {$93.00} per month. When questioned they would only state that the reason was because of the change to XXXX XXXX homeowners insurance higher premiums XX/XX/XXXX. Actual change in homeowners insurance premiums starting on XX/XX/XXXX was increased {$8.00} per month. Benchmark refused to discuss this issue any further than stated. 
4. In addition to # 3 above I was charged {$20.00} for 3 days of non-coverage in XX/XX/XXXX when we switched from XXXX insurance to XXXX XXXX XXXX. Benchmark insisted coverage ended on XX/XX/XXXX ( the day XXXX when the actual date the XXXX policy coverage ended was XX/XX/XXXX, the date the XXXX XXXX policy started. 
5. The XX/XX/XXXX refinancing VA loan included a closing fee of {$130.00} for Benchmark, aka ; ARK-LA-TEX Financial Services , LLC , even though they didnt attend the closing. 
6. The XX/XX/XXXX refinancing VA loan included charges for title fees to XXXX XXXX XXXX instead of the original title company ( XXXX XXXX ) who already had the title documents from the original loan, 6 months earlier. 
7. Benchmark charged a total of {$16000.00} for loan refinance on XX/XX/XXXX for closing costs vs XXXX XXXX  refinance on XX/XX/XXXX for the total closing costs were {$950.00}, {$15000.00} less for the refinancing of my VA guaranteed mortgage loan for a lower interest rate through XXXX XXXX. 
I became aware of these over charges during the process of obtaining a lower interest rate refinancing with XXXX XXXX  ( item 7 above ). I have requested that they be disciplined for their abuses of the veterans that trusting them with providing VA guarantee home loans. 
Thank You,
Consumer complaint received 2022-08-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (PA)

My request for the correction and removal of the inaccurate information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below is the account that still reporting on my account : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2021-09-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

On XX/XX/XXXX, an application for a loan modification was submitted to XXXX and to the servicers law firm via email, with all requested supporting documentation attached. 

On XX/XX/XXXX, a letter was sent to my lawyer through my servicers lawyer saying that I needed to provide my most recent Tax Returns. On XXXX XXXX, I submitted those XXXX tax returns through my lawyers office who emailed them to XXXX and their counsel. A delivery receipt was obtained. 

My lawyer received an email from the servicers lawyer on XX/XX/XXXX, saying that they could not access what had been sent to another staff person at their firm and noted that the servicers notes indicated that the XXXX Tax Returns were still marked as missing. My lawyer responded promptly to the servicers firm, attaching the XXXX Tax Returns again and explaining that they had been submitted to the servicer well before the deadline, on XX/XX/XXXX. 

Today I received a letter from my servicer dated XX/XX/XXXX saying that the review of my loan modification application had been closed because they had not received the requested missing documentation. My lawyer disputed this with the law firm, and they told him since my tax returns were e-filed, the digital pin and verification signatures at the back of the returns were not acceptable. No one ever told me this. They just treated me like I didn't send them anything.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The Bank Of America Credit card shows open and that I have missed payments monthly. However, it closed over 3 years ago and a payment plan was put into place for this card. I would like all the missed payments removed and corrected on the balance.
Consumer complaint received 2021-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

When i obtained my XXXX  credit report i notice that there were unauthorized inquiries from a bank ( capital one ) that i have no type of banking relationship with. Capital One has pulled my credit on 3 separate occasions without my permission on the dates of XX/XX/2021, XX/XX/2021, and XX/XX/2021. To find out that my privacy has been invaded and compromised by Capital One has frustrated me dearly. On the date of XX/XX/2021 I mailed in a letter explaining my frustration on my privacy rights that were violated and have not received a response back since. I have attached the credit report showing the unauthorized inquiries along with the letter sent and confirmation that the letter has been delivered.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WA)

I lost 14 points on my credit score because WELLS FARGO DID NOT REPORT MY {$970.00} XXXX PAYMENT I PAID THEM ON XX/XX/XXXX. I checked my annual report today, XX/XX/XXXX and the only thing missing and the cause of the drop in my XXXX  score is because WELLSFARGO DID NOT REPORT I PAID MY XXXX PAYMENT TO THEM, before they transferred my mortgage to XXXX XXXX  on XX/XX/XXXX. I paid Wells Fargo and I called and talked to first a XXXX, explained i needed them to post my XXXX payment as it says XXXX paid and XXXX shows I was transferred on XX/XX/XXXX and says XXXX payment for XXXX so my {$970.00} payment was not reported, Then XXXX gave me his supervisor XXXX and I had to repeat it all over again, so I asked for his supervisor of the mortgage dept. to contact their dept that reports to the agencies and tell them i paid XXXX 's payment which he acknowledged, but he said it wouldn't be until next Tues because of the holiday, BUT THAT I NEEDED TO SEND IN A LETTER REQUESTING WITH COPIES OF MY CREDIT REPORT I PRINTED TODAY FROM ANNUAL CREDIT REPORT SHOWING THEY DIDN'T REPORT MY PAYMENT, THEN THEY WOULD REQUEST IT FROM THE CREDIT REPORTING AGENCIES AND DISPUTE IT!!!!!! I said why can't you just go into the reporting agencies and report the payment! I have had to deal with Wells Fargo for 27 years after they bought out XXXX XXXX XXXX that had our mortgage, that is how they got us and my hubby which has been passed since XX/XX/XXXX and we never ever refinanced so Wells Fargo has been our mortgage since XX/XX/XXXX.. I sent them certified copies of his death certificate, my filing of certified copies of our will and filing in XXXX and then they changed my acct.. # and where i sent the payments, but one time they sent in my SS # wrong and for years to get my XXXX reports I have had to send in several times, my copies of SS card, drivers license, and an electric bill, and also my 1099 tax copy, in order for XXXX so they would change my SS # to the correct one ( XXXX ) last digits and Wells Fargo kept sending XXXX which is wrong and now this! I know how Wells Fargo is and how it takes them weeks to do anything and also they send letters stating we are sorry, we will be a few more days! BELIEVE ME THEY DON'T CARE IF IT GETS CORRECTED AS I AM NOW WITH XXXX XXXX SINCE THEY TRANSFERRED ME WHEN I ONLY HAVE 3 YEARS TO PAY ON 30 YEARS LOAN AND 27 YEARS WITH THEM! I make sure i watch my scores and also pay my bills on time and it took along time to get my credit score up to XXXX XXXX  and XXXX XXXX  and then lose 14 points to XXXX now and the only thing that has changed is WELLS FARGO NOT REPORTING MY XXXX XXXX PAYMENT. PLEASE AND THANK YOU, MAKE THEM TASKE THE RESPONSIBILITY OF REPORTING MY PAYMENT I PAID THEM! I have worked really hard to get my score up there! Thank you and XXXX  bless! XXXX
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a regarding inaccurate and unknown things on my credit report to this day over 60 days ago I have not yet received a response I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with in 30 days gives a reason to immediately removed from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was all so impacted by the Equifax data breach and may have gotten in the hands of the wrong person.