davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Federal Pacific Credit Company, LLC (FL)

On XXXX XXXX, XXXX, I received a letter for an attempt to collect a debt from Federal Pacific Credit Company. I also looked to see if they were licensed in my state, which they are n't. 
Actually, their license is expired as of XXXX/XXXX/XXXX license number XXXX effective XXXX/XXXX/XXXX.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NY)

I received a letter from American Coradius International LLC, the number is XXXX.  They claimed they owned XXXX of my debt, the creditor is XXXX, XXXX.  I checked my XXXX account, there is a $XXXX balance, I've never carried a balance on XXXX, this is obviously a false claim by a crooked collection agency that somehow got my address through dubious tactics.They claimed their NY State License is XXXX.  I'm reporting them to you for investigation of fraudulent debt collection.
Consumer complaint received 2018-01-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION (IL)

I went to a XXXX XXXX to buy a car. I came to find out the salesperson used deceptive and fraudulent tactics to obtain the sell which caused personal and credit damages to me. I do n't have the means to pursue them finically so I have never filed anything against them. 

I was initially denied the car because of my credit, even with my mother cosigning. The following day the salesperson called me said he found a way to get me approved. So I went to the dealership to sign the papers and drive off in my car. When I got my first bill for the car the statement it was far from what I and the sale person agreed upon. I took a look at the papers they gave me and my personal info was incorrect and the price was incorrect. I came to find out the salesperson change letters around in my name and added false info to me and my mother applicant to get me approved. I called the finical company and told them the situation. I asked to return the car but the operator could n't give me a straight answer on how the process worked. I got frustrated and hung up and called to get another operator, I told the operator the same situation and that I could n't afford the car and the information was false. I would just like to return the car to the dealership, the person threating that I would still have to pay for the balance left of the car even tho I did n't make one payment and the sale person add fraudulent information to my application. After not paying a payment on the car eventually, the repo person came and pick the car up. I thought the situation was taken care because I did n't hear from them after they came and got the car. I recently notice info on my credit as well they have taken legal action against my mother.
Consumer complaint received 2017-06-20
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: EQUIFAX, INC. (MI)

This is a reply to XXXX XXXX XXXX, XXXX 's ( XXXX ) response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that XXXX had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, XXXX signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX XXXX Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. XXXX filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why XXXX believes the loan first became delinquent in XXXX 2012. 2 ) Why XXXX believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (WA)

I initiated a "credit line increase request"  with Citi/CBNA yesterday XX/XX/XXXX. The disclaimer on their website states:"By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will notify you of our decision or let you know if we need more information."This does not indicate that it will be a HARD credit pull, which I was alerted to today XX/XX/XXXX. Citi offers card holders their XXXX score for free, so why do they need a hard credit pull for a credit line increase?  I would like the pull reversed please.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I opened a credit card wi th American Express tha t had a {$450.00} annual fee and  XXXX  point sign-up bonus. Right after getting the card, I went on the AmEx site and saw a huge promotion for the same card -- {$450.00} annual fee, but  XXXX  points as a sign-up bonus ( I still have the Terms & Conditions of this offer open -   XXXX   XXXX     XXXX ?  XXXX  & print # offerBenefitTermsDisclosures ). I called  AmEx  immediately to ask if I could be matched to this higher offer since it had only been a few days since I 'd applied. The person on the phone told me that it should n't be a problem and to check back in a few weeks. I checked back with American Express, and the customer service representatives online now keep telling me that I actually am not eligible for the offer even though one of them said my request is listed as " in progress '' on my profile. I asked for clarification on what this means and they refused to explain. Finally, a customer service rep said " this offer is not just for you, it is for the new card members. '' They refused to elaborate on what any of this means, or go into the actual details of why I was told it would be fine and then told I ca n't be matched to it.
Consumer complaint received 2018-01-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

in XXXX I filed for a chapter XXXX protection in XXXX, i was making my payments and due to my health i had to quite working I was unable to make a chapter XXXX and the case was not discharged. I moved to XXXX XXXX and in XXXX filed and received a discharge for a chapter XXXX for the creditors that was listed in the XXXX chapter. Transunion reported it as a chapter XXXX discharge in both XXXX and XXXX, even though the XXXX chapter XXXX was not Discharged all the other credit reporting agency have removed the public record but for some reason Transunion has not. I have checked with the court in XXXX and they say that it has not been discharged but Transunion keeps insisting that they can verify the information. The fact is it is against the Bankruptcy code to file and have discharged two chapter XXXX with in ten years. I do not know who they are verifying there information with but i know that the one in XXXX should not be showing discharged I am just trying to get the correct status on recorded and not be dinged for the same thing twice. Docket # for XXXX XXXX
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (SC)

My wife and I have  XXXX  mortgages on rental townhouses both initiated at the same time ( on or about  X/X/2016    ) with  XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX  , NC  XXXX  ). During signing, it was disclosed that the loan servicer would be Dovenmuehle Mortgage (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Illinois  XXXX  ). We have paid on time and are current on both mortgages. I am have never filed bankruptcy and we always pay on time for all our debts.     However, it recently came to my attention that while we were receiving electronic statements on one of the mortgages, we were not on the other. Believing this was an error, I contacted the company by phone today and spoke with a customer service agent as well as a supervisor, both of whom stated they are unable to and would not provide monthly statements on the mortgage. The reasoning they gave was because the loan was " set up to be paid with a coupon. '' Even though both loans were setup the same way and that a coupon book payment has no bearing on their responsibility to provide a statement, they insisted it would not happen. They even went so far as to say that statements I had received on the other mortgage were in error and would stop after they fixed the problem!     This is in violation  12 CFR Part 1026 ( Regulation Z ) which requires that a mortgage company provide timely statements.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (MD)

Caliber home loans is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with Caliber Home Loans but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with Caliber Home Loans. I have requested Caliber Home Loans to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for Caliber Home Loans to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and Caliber Home Loans to report the same data and it is inaccurate for both creditors to report the same data.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax is now in violation due to the failure of providing verifiable proof as required under the  15 U.S. Code 1681g - D isclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing! I 'm not sure if the account was fraud or is a mistake on your part providing false information on my credit file. I faxed in a copy of my Driver  's License and Social Secu  rity Card on  X/XX/17 . It clearly does not match the records you maintain under my social secur ity number. I have tried relentlessly between yesterday and today to call you to discuss. The answering system says that there is a not an operator available now to call back and then it disconnects.   I am  ready to proceed with a lawsuit against your company for 1. Defamation 2. Negligence 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I would be seeking a minimum of {$1000.00} in damages per violation. I will be using a high profile attorney to expose the wrong that you are doing to me.
Consumer complaint received 2017-04-20
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital  One Auto Finance has  been receiving verification of late payments on a closed  XXXX   XXXX   XXXX . Account closed in  XXXX . I have given repeated lette rs to Capital One on  the verification in writing my payment history.    XXXX   XXXX ,  XXXX  I submitted a written notice of legal action due to the repeated request of written verification. I received a called on  XXXX   XXXX ,  XXXX  from  a Capital One Finance R epresentative stating that he will research.   Yesterday on  XXXX   XXXX ,  XXXX  I received a ca ll from Capital One Finance stating  that the payment history is correct. I asked will I get a written verification of my payment history it was denied. The representative stated that a letter was written stating that his team research was correct not payment history to be verified. I have never debt verification of my payment account history. Per FCRA rights they have to release late reporting on my credit history
Consumer complaint received 2017-04-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have sent numerous of certified mail dating back to  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX   Asking Bank of America to valida te this debt of {$13000.00} that they say I owe. And in validating the made pursuant to the Fair Debt Collecion Practices Act I requested validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. Asking them if they can not validate the debt then per the FDCPA they must delete from all credit reporting agencies.  (   Section 807-8 ) Well the y have not complied in the last 10 months of me sending these certified letters that they signed for and still have yet provided me with evidence bearing my signature of validation. Certified Mail  1 )   XXXX   2 )   XXXX   3 )   XXXX   4 )   XXXX . On  XXXX / XXXX / XXXX  I sent   XXXX   a Certified Letter including all of the certified mail receipts and all of my attempts in getting this debt validated. I got a notification that my disputes were completed and pulled my credit report on  XXXX / XXXX / XXXX  and noticed that not only were they not deleted but Bank  of America was   contacted by   XXXX   validating the debt once again without any contract bearing my signature but violated the FDCPA by not marking this debt as "  Disputed ''.  within 30 days. I can simple prove  that Bank of America o we me damages of {$1000.00} per P art 1 FDCPA 808 ( 8 ) I ' ve attached all of my supporting documents including  XXXX  disputed confirmation #  XXXX  Inwhich confirms not only did they not mark it as " Disputed '' but continue to validate the date without any proof.
Consumer complaint received 2017-04-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

My bank for some reason refuses to correct my mailing address. The local branch has called the main branch and asked them to correct my mailing address but the bank says they did but have not done it.     My bank is sending all my business bills with my home address and etc. I have asked over and over again to please update my mailing address but they ca n't figure it out.
Consumer complaint received 2017-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (MI)

I received a form notifying me that my IDR recertification was due on, or before,  XXXX / XXXX /  XXXX  . My payments are due on the  XXXX  of each month and the payments are auto-debited from my checking account. My  XXXX  payment was withdrawn and applied on the  XXXX  as scheduled. Contemporaneously thereto, I submitted my recertification request, which was incorrectly processed by MOHELA ( i.e., the processor failed to see that the  XXXX  were included at the end of the application and improperly denied me  ).  I called to discuss after receiving the rejection notice. The customer service representative, "  XXXX  '', reviewed my application and assured me that it was complete. He indicated that he would resubmit it for processing, that the payment would be recalculated, and that I would be receiving notice of the new payment, which would begin on  XXXX / XXXX /  XXXX  .   Today, I received an email indicating that my payment was past due. I logged onto my account and realized that MOHELA must have recalculated my payment and retroactively applied it to  XXXX  without providing a bill or any notice.   This evening, I again resubmitted my complete application with the following message : You raised my payment without sending me a bill or any notice. My last bill showed that  XXXX  was going to be automatically withdrawn on  XXXX / XXXX /  XXXX  . It was withdrawn as scheduled. Shortly thereafter, I submitted my recertification application for the  XXXX  plan with signed tax returns for my wife and I. This was due on, or before,  XXXX / XXXX /  XXXX  . Nonetheless, it was wrongly denied as incomplete. I called MOHELA to discuss. I was escalated to a  manager  and spoke with "  XXXX . ''  XXXX  reviewed my application over the phone and assured me that my application was complete, but processed incorrectly. He advised me that it would be resubmitted for processing, my payment would be recalculated and that my new payment would be withdrawn on, or about,  XXXX   XXXX ,   XXXX  . However, today I received an email message that my payment was past due. It appears that my payment was recalculated and applied retroactively without providing me any notice. Tonight, I again uploaded my recertification for IDR, which was not due until  XXXX / XXXX /  XXXX  . Please correct this error immediately and ensure that I will be billed the appropriate amount of {$160.00} through  XXXX / XXXX /  XXXX  . Also, please confirm that my  XXXX    XXXX   payment will count toward forgiveness despite your servicing and billing errors.     For your convenience, I have again attached my recertification to this email. I will be contemporaneously filing a complaint with the CFPB as what you have done is an illegal billing practice ( i.e., changed my payment and applied it retroactively without notice ). Again, please call me to confirm that this is being resolved.
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (OH)

I requested a PIN number for my  American Express Card so  that I could access cash through an ATM. I requested this on  XXXX   XXXX . I was told a permanent PIN would be mailed to me on the next business day. I was to receive it in  5 to 7 days. I checked with American Express o n the evening of the  XXXX  since I had not received it. I was told it could take a couple of more days and to let them know if I did not receive it.   I called them again on  XXXX   XXXX  as I still had not received it. I was told by the customer representative that it was out for delivery and I might receive it tomorrow and there was nothing that could be done. Wanting to see why it had taken so long I asked to speak to the Supervisor. I was given the same story. I then asked to speak to  the Supervisor 's  boss, a gentleman named  XXXX  who told me there had never been a PIN sent. When I told him what the customer representative had said and asked who was wrong he assured me it was not him. I then asked who had told me an untruth and he assured me it was not him. I was told that nothing could be done and that he would open an investigation. When I asked for the results of that investigation to be sent to me, he said they can not do that. I then asked to speak to his supervisor a gentleman called  XXXX  ( sp? ) who apologized and said they will investigate, but nothing can be done about my being given false information several times. I told him what upsets me most is that a financial institution has lied to me, he apologized for that as well. Basically I have done everything that I was asked to do, was misled and the answer is gosh we are sorry. This company handles cash?
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX XXXX I got a mortgage with Wells Fargo. This was paid off and refinanced in XXXX XXXX, with Wells Fargo. 

Wells Fargo did not send a lien release and the paid in full note to me nor did they file with my county and my state that had paid them to do. 

Rather they filed a second lien against my home in XXXX XXXX, Wells Fargo solicited me in XXXX, I did not contact them they contacted me, saying they could modify this loan for free. However this was not what happened they created a brand new Loan without releasing the other Loan or returning to me or my County the Satisfaction of mortgage on this second Loan, little did I know then they were collecting {$1600.00} per Mortgage for helping people who needed help. In fact what they were really doing was solicting their Best Customers who really did not need this at all, I feel sad about that. 

They refiled a third mortgage and lien against my home, without releasing the other two liens or  returning the notes to me indicating that they had been paid in full. Plus the last mortgage they lied about the terms of this Loan While my note Stated it would go up a maximum of 2 % points each year after the initial 7 years the document they sent said it would go up 5 % points. 

In addition I had a Home Equity line of credit that was paid in full and closed no lien release for that either. 

They have been messing me around since XXXX reporting I had not made my XXXX XXXX mortgage payment to the Credit Bureaus, even thought all the paperwork was submitted to prove this was indeed not factual, they sent me three letters wriggling out of fixing it, and every letter contradicted the last letter. 

Now because of these problems and experiences with Wells Fargo, I have paid off all Loans in full, this was done in XXXX XXXX.