davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (SC)

I applied for a recast of my mortgage to AmeriHome Mortgage ( NMLS ID XXXX ). I received written approval dated XX/XX/2020 to move forward with my request. I wired {$80000.00} on XX/XX/2020 to XXXX Recasts as per the attached instructions. The funds were received and processed on XX/XX/2020. 
As in the attached documentation, I was to receive a loan modification agreement 7-10 business days after this. However, I have heard nothing from anyone at AmeriHome. I have called too many times to remember, but each time I do, I hear a different excuse or am put on hold to eventually be disconnected. My wife and I feel like we have been scammed and would appreciate any help. 
I would like to add that I have also had my PMI removed from this mortgage with this same company. That transaction was quick and easy. Something is amiss with the recast. 
You can attempt to reach them at XXXX or any of the numbers listed on their webpage.
Consumer complaint received 2020-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OPORTUN FINANCIAL CORPORATION (CA)

https : //oportun.com/ I notify this collector to stop calling me on Sundays is not a good day for me and stop calling me every hour I believe they have to have to wait some time for them to call me again at the same time. When I ask for an employee ID so I can keep a record of the person who is calling me they refuse to provide it or let me talk to a supervisor. 
I did ask them more than 5 times to stop calling me on Sundays and sometimes they call me after 5 minutes of the first call. I advise them to please stop calling me Sunday 's which is not a good day for me they refuse the is the main complaint. thank you. 

Sunday XX/XX/2020 they call XXXX XXXX  XXXX
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (FL)

This complain is the same against Synchrony bank with Paypal and it is regarding the previous complaint on file : XXXX After all the proper documentation presented ( documentation send to them by me and also by your involvement on file XXXX ), I received an email indicating resolution of the case ( I am sending copy of this ) ; After this last letter I also canceled the credit card and I obtained a letter with this cancelation ( with XXXX balance ) Now again I just received an inquiry about the same purchase, asking me if I want to start a dispute ( I am also including this letter ). 

You and I already sent all documentation and the case was resolved. It is like they are ignoring all previous information and resolution.
Consumer complaint received 2019-06-16
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: CITIBANK, N.A. (NY)

I was going through my XXXX credit history and noticed that on XX/XX/2018 a hard inquiry was posted on my account. I have never applied for any line of credit with the company and have never done any kind of business with them. It shows " CBNA '' as the name of the institution and " National Credit Card Cos. '' next to the description. After researching I found out that CBNA stands for CitiBank of North America. The credit reporting website said to contact the creditor ( CitiBank ) to dispute the inquiry. I contacted CitiBank and they said that they could not help, that I had to contact XXXX  directly for them to remove it from my account. I then contacted XXXX and told them what CitiBank told me and they said that they are only a reporting agency and that the process must be initiated by CitiBank. CitiBank still does not help and I am stuck with a hard inquiry I did not initiate and 4 hours of my time wasted. None of then want to help.
Consumer complaint received 2019-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit report is reading that my accounts are closed and is causing harm to my reputation. I have yet to get a response about this debt after I have written letters to have it verified or removed. My account balance is showing {$10000.00} in total from all accounts. If it can not be verified, I would like the invalid information to be deleted. I have no original documents with my signature stating that I owe any collection agency any money for whatever reason. My status is reading in collections! At one point I was receiving numerous of phone calls being harassed that led me into changing my phone number. I want to be done with this for good. Please help!
Consumer complaint received 2019-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AR)

I was notified by two credit bureaus today of an alleged debt by Commonwealth Financial in the amount of {$1400.00}. I don't know who these people are or have any communication indicating what this alleged debt is about. It's pretty clear this is yet another fly by night " collection '' agency harassing an innocent citizen. 

do not release my contact information to this company. they obviously don't have it.
Consumer complaint received 2019-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has restricted my card for " security '' over 10 times this year. I have not been able to buy my kids food and our rent is past due. They are restricting our life for " security ''. 

I was asked to verify my identity by sending copies of my driver 's license and social security card or my card would stay locked. Which happens on a weekly basis several times per week. 

Most recently my account has been restricted, and I can not make purchases on the card. I was asked to verify my identity by sending copies of my driver 's license and social security card. 

After sending in my documents, Capital One said I can no longer use my card to make purchases and that they did not need to give me a reason why.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Armed Forces Loans of Nevada Inc. (SC)

I had a loan with Armed Forces Loans. I fell upon hard times and missed a payment back in XX/XX/XXXX or XX/XX/2018. I made that payment the following month and continued on schedule making the payments as I was scheduled to. Armed Forces Loans continued to mark me as having late payments when they were paid via ACH on the due date monthly. When it came down to my last 2 payments. I  made the payment in XX/XX/XXXX and when I contacted XXXX ( I am military ) they stated for me to get clear guidance from the company on what was owed before I made the payment. Before I could get that resolved the company drafted my account without my consent and took the last payment out in XX/XX/XXXX.  That payment has not been reported to the credit bureau but they have reported me again as having a late payment even though they have my money. They contacted me onXX/XX/XXXX stating I had a balance of {$15.00} for a late fee. This company seems to scam, access peoples accounts without their permission and not report accurate balances.
Consumer complaint received 2020-12-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (GA)

My husband a refinance a mortgage with New Rez. We never received a copy of the documents we sign. We ask for a copy at closing. We spoken to the company twice and during these conversations asked for the documents as well. I am not on the mortgage but on the title of the house. I can be reached at XXXX
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (FL)

Mercedes Benz Financial Services ( " MBFS '' ) improperly reports an amount assessed after the termination of the lease, as an unpaid loan, which impacts the credit in a more harmful way than if the item would be properly reported. 

At the termination of the lease, the lessee has to return the vehicle and receives a lease termination statement, from the dealer where the vehicle is returned. The dealer reads the odometer, looks at the overall condition of the car, inputs the data into the system and generates a statement showing the amount to be paid in case of returning the car and a buyout proposal. 

In my case the value of the amount owed if returning the car was XXXX ( XXXX ) and the buyout was the residual value of the car. The dealer mentioned that any extra mileage fees will be waived. I opted for the return of the car and received a statement in writing showing a XXXX dollars owed to MBFS. 

Unbeknownst to me, the amounts were not accurate. MBFS assessed a {$5000.00} amount based on additional mileage and opted for reporting the amount to the Credit Bureaus as unpaid loan. This foreclosed any possibility for me to obtain another car lease for 7 years. 

The proper way for MBFS was to post the loan as paid in full, as showed in the document obtained at the end of the lease, and the {$5000.00}, as a collection item. The collection item would influence my overall credit, but it would allow me to obtain another car lease. 

I believe that adding the {$5000.00} at a later point is fraudulent, as the amount would have greatly influenced my decision to purchase the car rather than return it. 

By improperly reporting the item MBFS are trying to extort an amount that I believe it is not due to them. Rather than trying to adjudicate the matter in court, they are choosing to miss-report in an effort to unduly obtain the funds. 

I have contacted MBFS, but the representative was unable to understand what is issue is.
Consumer complaint received 2019-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (MN)

TD Bank USA/XXXX XXXX : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Consumer complaint received 2019-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MN)

SyncB/PayPal Extras MC : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Consumer complaint received 2019-06-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Malen & Associates, p.c. (NY)

On XX/XX/XXXX I was given two summons and complaint by a member of a family living where I reside. The summons did not list a hearing date of a court appearance nor was the complaint certified or stamped with a seal from the court. Furthermore, the complaints handed to me are defective because they do not list an index number pertaining to the cases. 

Please note that by failing to certify the complaint the plaintiff has obstructed the rules of the chief administrative judge part 130 : costs and sanctions : section 130-1.1 where it states : ( b ) certification. By signing a paper, an attorney or party certifies that, to the best of that persons knowledge, information and belief, formed after an inquiry reasonable under the circumstances, ( 1 ) the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1 ( c ) .Of this subpart, and ( 2 ) where the paper is an initiating pleading, ( i ) the matter was not obtained through illegal conduct, or that if it was, the attorney or other persons responsible for the illegal conduct are not participating in the matter or sharing in any fee earned therefrom, and ( ii ) the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title. 

Nevertheless, on XX/XX/XXXX I sent letters to MALEN & ASSOCIATES P.C. demanding that they validate the debt they claim I owe. 

On XX/XX/XXXX MALEN & ASSOCIATES P.C mailed two packets containing account statements of the two charged off credit accounts of which my alleged debt accrued. 

Note, however, that according to an FTC opinion letter by XXXX a computer-generated, itemized statement of services ( such as computer-printed account statements ) are not a validation of an alleged debt.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (TX)

XXXX XXXX has placed an open account on my credit that shows it was opened on XX/XX/XXXX for {$230.00}. 
I paid my last and final payment to XXXX  XXXX on XX/XX/XXXX of {$75.00} and the account was supposed to have been closed. I never received any additional information about owing {$230.00}.
Consumer complaint received 2019-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a single father and I attempted to finance a home for me and my family and I could not because of my credit. That inspired me to check my credit report and I saw a fraudulent item i did not authorize. 

Account # : XXXX XXXX XXXX XXXX XXXX-XXXX Credit Amount : {$330.00}
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I tried to access my free annual credit report through transunion. I gave all my information and was forced to sign up for a transunion account. So I did and and it asked for my credit card information which I thought normal until I was charged XXXX twice and still didn't get to see my dam report or score. I was scammed out of my money and have nothing to show for it. I accessed transunion through the XXXX which stated it was free for the three credit bureaus.
Consumer complaint received 2019-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

Sequium Asset Solutions , LLC has harassed me by phone, mail and continued after XXXX advised them that I did not owe XXXX any money.XXXX XXXX of XXXX @ XXXX has advised them ( see attached ) and they continue to write and harass me.
Consumer complaint received 2019-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (VA)

XXXX XXXX XXXX. My husband and I divorced due to His XXXX   XXXX. I am on XXXX and have XXXX. This debt was assigned to him and the balance was only {$350.00}. XXXX XXXX contracted this debt out to LVNV Funding LLC. I called and talk to them trying to explain to them that this caused my credit to drop -46 points and I have worked hard to bring my credit score up. This young man I spoke to called me every name possible, said I was a horrible person charging things and then " running out of my debts '' and got me so upset I had to go to ER with a horrible XXXX XXXX. I was trying to explain to him what happened but he would not listen. My credit score dropped -34 thru XXXX and -43 thru XXXX. Please help me get this straightened out and now they call me from XXXX XXXX through XXXX and I can't emotionally take this. My husband used this credit card out of malice and will not pay it. I only have social security XXXX as an income.
Consumer complaint received 2019-06-15
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: Experian Information Solutions Inc. (MO)

Somehow I'm reporting as an authorized user on accounts unknown to me nor do I know who added me. Please remove me from these accounts immediately. I'm asking that these accounts to be blocked from my credit files. 

1 ) XXXX XXXX {$14000.00} 2 ) XXXX XXXX {$4500.00} 3 ) XXXX XXXX {$4600.00} 4 )  XXXX XXXX XXXX Also I'm disputing this account as well XXXX XXXX XXXX, please remove
Consumer complaint received 2019-06-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I rarely use my XXXX XXXX card, so when my annual fee was charged to my card I didn't receive an email alerting me to the charge. I did receive an email 30 days later telling me the {$19.00} was past due. I called immediately, paid the amount and explained the situation. Due to the fact that I am an excellent customer, the representative, as a first-time courtesy, said that she would reverse the late charges and report it as a " paid as agreed '' status to the credit report agency. The credit report was never corrected as promised and it has hurt my score substantially and caused two XXXX credit cards to reduce my credit limit substantially. I would like to have this corrected on my credit report.
Consumer complaint received 2019-06-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Freedom mortgage company 's insurance department made an error at the end of XXXX but writing a check to the wrong homeowners insurance company. That check was then cancelled but the money wasn't refunded to the escrow account for over 5 months. This caused my monthly payment to increase do to there now being a shortage in my escrow. For 5 months, they denied that there was an error and that my account was short. Once they located the money in the amount of {$2200.00} it took long after the close of the mortgage for the money to be placed back in our escrow. The mortgage closed out on XX/XX/2019. I've called the company only to be told that a ticket will be issued for a request for the funds to be funded many times. The money should not have been missing in the first place, nor should I have been charged a fee at closing for having an escrow shortage. I've asked that they expedite the refund back in XXXX. Was told 7-10 days for a check to be written. Still on XX/XX/2019, there isn't a check issued. Another request was issued today. I have lost faith in freedom mortgage company 's ability to refund this money.
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am complaining about SPS because I sent in a RMA form for a loan modification in XX/XX/2019 and they refused to send me a loan modification package. They refused to give me a package and told me they were going to call XXXX XXXX and put my house in foreclosure on XX/XX/2019. SPS is committing dual tracking and I want them to give me a loan modification as soon as possible. They must follow government guidelines. I have an attorney.
Consumer complaint received 2019-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: United Student Loan Assistance Center (ID)

In XXXX of 2019 I got a call from United Student Loan Assistance Center. I thought they were a legitimate 3rd party vendor to refinance my student loan. On XX/XX/XXXX19 they took out a payment of {$190.00} ( I WANT THIS MONEY BACK ). The fake contract said I was supposed to pay {$190.00} for 3 months. During this 3 month they were supposed to call XXXX XXXX XXXX and place a forbearance on my account. They called XXXX XXXX XXXX by impersonating me. I know that because a representative from XXXX  XXXX XXXX told me that ( I ) placed a call on XX/XX/XXXX19 ( I NEVER CALLED ). I also have this on recording. So, during these 3 months of paying {$190.00} they were supposed to be getting me refinanced with a new company. I verified with XXXX XXXX XXXX that from United Student Loan Assistance Center is not a legitimate 3rd party vendor ( when they told me this they did not hesitate at all ). A representative from XXXX   XXXX XXXX told me that there are only very very few approved by the federal government themselves 3rd party vendors that can help people with student loans. United Student Loan Assistance Center tried to take out XXXX onXX/XX/XXXX19, but I cancelled my credit card, so they could not take my money. A   representative from XXXX XXXX XXXX also told me that after I would have got my fake bill from my new fake lender that every single dollar I would have paid would not have gone to my loan at all. What would of happen is United Student Loan Assistance Center would have pocketed all my money and XXXX  XXXX XXXX would have sent me to debt collection. So not only would I have lost a ton of money, but my credit would have been ruined and if I didnt make payment to XXXX XXXX XXXX I could have faced jail time.