davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

SSFCU told me that I have a deferment due to economic hardship after making XXXX  payments. I have made XXXX  payments on top of the massive deposit on the car. They have lied repeatedly about their processes, rules and at times have made it very difficult or costly to make payments on the car loan. I have made extensive effort to communicate and all I have gotten is lies and denials and a steady stream of bad faith actions.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Filed a case on XXXX, XXXX about fraudulent debit card activity after finding out that my debit card had been compromised and someone had withdrew {$900.00} from my checking account and {$1900.00} from my savings account in a Bank of America branch in XXXX LA . The withdrawals happened at around XXXX XXXX on XXXX and the moment I woke up and got a notification of the withdrawals via a survey from a video teller named " XXXX '' ( I was in XXXX XXXX at the time and the email survey was sent at XXXX ) I immediately told Bank of America that this was NOT an authorized transaction, but the amounts posted and I therefore filed my case. Since then, Bank of America has done everything imaginable to avoid giving me back my stolen funds. After filing my case, I waited a month before filing a CFPB complaint in which that was the only time they touched my case, to which they denied it just a few days later saying that " because your pin was used, it was an authorized transaction ''. When I asked for photos or videos of the transaction as proof it wasn't me, they told me that they can only give it to law enforcement or a lawyer. I then proceeded to file a reconsideration case and a police report for the fraud on XX/XX/XXXX, to which a police investigator was assigned to the case and requested the bank photos/video on XX/XX/XXXX, to which until this day ( XX/XX/XXXX ) they have STILL not released the photos to my POLICE investigator regarding a POLICE crime case. They then closed my reconsideration on XX/XX/XXXX without notifying me because " I did not provide any more evidence '' even though I called Bank of America and provided them with the police case number on XX/XX/XXXX which was the following Monday. Because they closed my reconsideration ( with failure to notify me ) I  called and the man I talked to opened another reconsideration case for me. Since then I have talked to multiple people of Bank of America asking about the photos/video requested by my investigator and all of them have given me the excuse that " it is out of their jurisdiction and we do not have direct contact with our security division, therefore I can not address your concerns of the photos/video not being provided ''. Bank of America has done everything in their power to avoid investigating my stolen funds.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I submitted my disputes along with the proper supporting documentation from the Federal Trade Commission to XXXX  XXXX XXXX to have the account XXXX XXXX XXXX XXXX  and 6 Public Records of bankruptcies removed from my credit profile. The account XXXX XXXX was removed from my credit profile on XX/XX/XXXX. and without my knowledge all of a sudden a false dispute was fraudently opened up in my name and reappeared on my credit file on XX/XX/XXXX. The 6 Public records of bankruptcy was removed on XX/XX/XXXX and was placed back on my credit profile on XX/XX/XXXX after receiving the requested information that was given to them.
Consumer complaint received 2019-02-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

XXXX XXXX XXXX holds the former VA Land Contract   on a home I have owned for 20 years. I am XXXX years old and now want to part with this property. I have had it up for sale for a few months and now have a CASH offer which would not only pay off my loan but provide some extra cash for my wife and myself during our retirement. When I went to get a payoff the company had the WRONG address as being the property under loan. Then when we went to close, they said it would take 2-3 weeks to provide a deed even after the payoff was received. They have literally just about lost this sale for us and I am extremely upset as I have been paying this company 7.5 % on this loan for years. What can I do?
Consumer complaint received 2019-02-22
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: Experian Information Solutions Inc. (MO)

With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX  XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked from my report.
Consumer complaint received 2020-06-29
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 (TX)

My account ending in XXXX with American Express has been paid off. American Express is showing their is a past due balance of {$690.00} and that is incorrect. Also, the negative remark of this being a charge off account is inaccurate. Please see attachment from American Express validating this account has been paid off.
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MA)

Contacted Freedom Mortgage to remedy late payments due to unforeseen Bed Bud infestation. Placing us behind on our mortgage. We had to replace all of our belongings and paid for extermination in XXXX of XXXX. Began mitigation process only to be told documents had not been received, were incorrect, or unable to open, or wrong document form after being told not received. XX/XX/XXXX Contacted Freedom Mortgage to make a payment and seek council on statues of our account. Was told and reiterated back that we were only 90days past due because a payment had been posted on XX/XX/XXXX. Called back on XX/XX/XXXX to make a payment all the while still trying to send documents as requested, still another excuse as to why not received. I told them I could forward the emails from previous send. Only to be told they didn't have them. Operator than told us payment couldn't be accepted because our account was 130 days delinquent. I was told they couldn't help me. I should keep better records of when payments were posted. Called back on XX/XX/XXXX spoke to XXXX # XXXX to be told our paper work was received we are in foreclosure and could not take any payments and would submit an investigation on said phone call from the XXXX and a supervisor would review. Called back on XX/XX/XXXX to speak with XXXX # XXXX to find out she too couldn't help us at all had no record of any of this and we would have to wait 24 to 48 hours after she would request a supervisor to contact us. Then put us on hold to see if a supervisor was available only to be told no we would have to wait. and now that it was in foreclosure it was out of her hands. Previous calls were filled with similar instances, however I didn't not operator until most recently. We were told '' this happens all the time and sorry ''. '' Sorry it's not our problem, you should rely on our word and keep better record '' " If you email something or fax it to call in immediately after because they frequently don't check email and so many people send them they cant keep track '' " Dont call after you send we wont actually see your paperwork for 2 to 3 days '' '' Don't worry about getting your paper work in your account is on hold " " Dont concern yourself with mitigation its best to just keep making payments '' " Sorry we don't take payments less than the full amount of the mortgage '' " It depends who you talk to some people will take partial payments and place it in a hold account '' " There is no way to accept a payment unless it's the full amount '' We received your payment '' " We have no record of your payment '' '' We have no record of mitigation paper work request " We already sent you the paper work for mitigation " " It's not our responsibility to notify you of the amount past due '' " All calls are recorded '' " Actually all calls are not recorded '' " We can't possibly review all of our calls or call record '' " Yes, I see you call 3 times on that day with detail of operator numbers spoken to and times "
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I went in on Saturday XX/XX/2020 to open a new chase banking account with my husband. Everything was fine and the banker informed us our account is open. I deposited two checks into the account. Today XX/XX/2020 I try to log into my chase bank account and my account says I must call due to suspicious activity after 30 min on hold the rude lady informs me my account has been closed and no information why. I have not been notified by chase. I have paid off my credit cards and am in good standing with my other banks. I checked my XXXX XXXX and there is no negative remarks. Chase informs me Ill receive a check in 10 days with my deposited amount my husband and I have no money and a XXXX year old baby this is ridiculous. I do not know what I could have done to cause this to close and why I wasnt just declined the day I went in for the account? We lost {$1000.00} can not afford food this week and are struggling. Chase is so rude and only tells me we do not want to do business with you I wasnt even warned!
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (NC)

Negative information has been placed on my credit report by Fox Collections that I have no knowledge of. These accounts are : XXXX XXXX XXXX  {$140.00} and XXXX XXXX XXXX {$1100.00} I have no knowledge of these accounts and NEVER received any notice from this agency written or otherwise of there efforts to collect on these alleged accounts. Pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act and the Fair Debt Collections Practices Act I have the right to dispute and request validation of a debt once I have been notified. I was never notified. And my rights as a consumer have been violated
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

per investigation received XX/XX/18 by XXXX on a XXXX XXXX XXXXdebt illegally obtained through identity theft means. again I had been going through domestic financial abuses from the alleged perp. I obtained multiple XXXX XXXX. could not obtain permanent one on bases of cyber intrusion. I had reported multiple times to XXXX. originally I had made attempts to rectify the debt. at one point XXXX XXXX had offered half the debt. I value my credit and put into consideration. since I hadn't any proofs of whom attempted identity theft. once I contacted back the company had disbanded. no longer was I able to contact. I again repeated attempts once an black market predatory collection agency persued this debt. I believe the perp I kept seeking remedies to stay out of my life maliciously reinvented this black market sale in attempts at hurting me. I contacted once again XXXX identity. thery did more investigative measures anf while my credit bureas reports show no balance under te original creditor XXXX, XXXX and a zero pay status and zero collections.no amounts shown under XXXX XXXX the black market XXXX XXXX the debt buyer SHOWS A BALANCE STILL.IN ALL CREDIT BUREAS. I WAS A VICTIM OF FRAUD IDENTITY THEFT DOMESTIC FINANCIAL ABUSES. I AM SEEKING POSSIBLE REMEDIES IN THE FUTURE ON THST CASE. HOWEVER, THESE DEBT COLLECTIONS, WHILE XXXX HAS DONE AS BEST AS THEY COULD, IT ADDS UNTRUTHFUL CREDIT DEBT ANALYSIS. I AM TRYING TO REGAIN MY LOSSES FOR THESE CRIMES. IT HINDERS MY CHANCE TO HOME PURCHASES AND A MODEST FAIR ONE AT THAT. I ASK FOR THE REMOVAL OF BOTH XXXX XXXX CREDITOR AND XXXX XXXX XXXX  COLLECTOR TO BE REMOVED FROM ALL BUREAUS. XXXX  HAS DONE MUCH INVESTIGATIONS.
Consumer complaint received 2019-02-22
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: Experian Information Solutions Inc. (OH)

This is a follow up on my complaint : # XXXX. I had complained against Experian. They have asked for proof of incarceration so I am here to provide that. I was XXXX  from XX/XX/XXXX for 13 months, and didn't get out until XX/XX/XXXX.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

Spoke with PHH Mortgage customer service today who is the servicer for our loan I was informed they were not processing my mortgage assistance request. I requested to speak with XXXX  whom I spoke with yesterday, upon being persistent I was told that she did see information the mortgage assistance request was being reviewed by the Obuduman dept. and the foreclosure sale for my home XXXX was canceled. I immediately contacted the foreclosure attorney office to verify the foreclosure sale was canceled, I was informed by them that the foreclosure sale was not canceled with them, the foreclosure attorney, PHH is giving misleading information and I feel they are purposely trying to make me loose my home to foreclosure Also I was affected by covid-19
Consumer complaint received 2020-10-20
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. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.
Consumer complaint received 2019-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (NJ)

For over 25 months I have aggressively tried to get validation of this debt through the collection agency : Quality Assest Recovery ... through certified letters to this company asking for validation. 
I have also disputed this negative account through each credit bureau for a continuous 2 years that I have notice this account on my report in 2017. 
I have reported that I never received any initial notice indicating that I owe a debt to this collection agency to the credit bureaus in my disputes and it was ignored. 
This account consistently was verified by XXXX and XXXX disregarding my concerns about my lack of ability to obtain information about this debt Quality Asset Recover says I owe. 

XXXX and XXXX feedback was simply stated that they will no longer re- investigate this particular account and that I need to contact the furnisher. 

After taking the advice of the credit bureau I made the call to Quality Asset Recovery, with the purpose to validate the debt and found that I was blatantly ignored and was being pressured to discuss payment of the debt .... I simply refuse and demanded validation and ended the conversation that seem useless. 

After filing a CFPB complaint about the matter and violation of my rights to receive validation. 
Quality Asset Recovery sent a letter stating that my complaint was not accurate and that I initially call them to discuss payment and was willing to make a payment rather then get the validation Im entitled to. 

This collection agency practices are unfair and against the FDCPA guideline how to treat and conduct business. 

At this time I have yet to recieve validation of this debt that Quality Asset Recovery wants me to pay without knowing anything about the validity of this debt.
Consumer complaint received 2019-02-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kenneth E. Davidson, Attorney (CO)

On XX/XX/2019 I received the Motion Requesting Warrant to Issue and Additional Attorney Fees. I called the Attorneys office and was informed that there was a warrant issued for my arrest. I was further told that I needed to be careful driving as I would be arrested. She claimed that they could squash the warrant if I paid the full amount due immediately or came to her office and filled out some papers. I asked what the debt was and she said it was for XXXX XXXX from an auto accident. I requested to speak to the attorney and was told that he would not speak with me as that is what she is there for. I explained to her that I had full coverage auto and was not the at fault party so I had  assumed the medical bills had been paid. She said that it was out of her hands and I had to pay the {$2400.00} immediately or deal with the consequences of the warrant for failure to appear at the court date ( that I was never served papers for ) I called the court and spoke with a clerk who informed me that a warrant was not issued for my arrest and that there was a review scheduled on XX/XX/2019. I have never been served papers in regards to this case as the assistant at XXXX XXXX office is claiming. Upon questioning everyone in my home my Step Daughter admitted that a few weeks back a gentleman had come to the house with court papers. She said that she had informed him that she was not me to which he demanded to see her license. She told him she did not have one and he threw the papers at her hitting her in the face with them as he yelled " you have been served, pay your bills '' She picked them up and threw them in the trash. She is only XXXX years old and she was very upset about being treated this way. Unfortunately, she did not say anything to me about it because she was afraid she would be grounded because she cursed the man out for hitting her. I also called XXXX ( my auto insurance company at the time of the accident ) they said all of the medical bills submitted by the company claiming the debt were paid. They also informed me that there was still time to submit those bills and that the XXXX  should have done so but if they give me verification of the bills they will cover them if I submit them. This debt collection practice is not only irresponsible and illegal it is inhumane. Now that my step daughter has spoken out about the assault her mother is filing a report and hopefully the process server will be charged with assault on a child.
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (NC)

After a reviewing a most recent copy of my credit report, I found a derogatory remark placed there by MEDICREDIT collecting for 2 medical bill that I have no knowledge of and NEVER received any notice from this agency written or otherwise. I was never given the opportunity pursuant to Fair Credit Reporting Act, Fair Credit Billing Act and the Fair Debt Collections Practices Act to dispute or request validation of these alleged debts, they just without validating this information place these negative accounts on my credit reports which is a violation of my rights as a consumer. 

They are attempting to collect for : XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2020-10-20
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. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX Thank you for your prompt assistance in this matter.
Consumer complaint received 2020-08-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Having extreme issues closing. Asking for documents that have been submitted multiple times. Unable to reach anybody at any decent time. Closing date being pushed out once now possibly a second time. The day before closing now at XXXX XXXX we still dont have a time to be at closing tomorrow. Unable to talk to anybody about this matter. This whole process has taken seven weeks and it is still not finished.