davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-21
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Monterey Financial Services LLC (AZ)

I cosigned for a XXXX loan for a friend of mine. She was unable to make payments since she recently moved and did not have a job. We called and set up payment arrangements to stop the debt from going to collection. She satisfactorily made the XXXX payment. XXXX payment was due on XXXX/XXXX/2015. On XXXX XXXX XXXX, rep ID XXXX contacted me directly, instead of calling my friend first and demanded that I pay before XXXX or I would be sent to a collection agency with derragotory marks and the full {$9000.00} would be immediatly due. I did not like the tone of her voice ... she was being very rude and demeaning. She would not let me explain the situation and she only concentrated on the debt, and paying the debt NOW!. At one point XXXX asked me if I was, " enebriated. '' I am completely awstruck at the level of service this company is providing. They treated me as just another debt and personally verbally abused me. We called back later and spoke to XXXX ext XXXX, she is a supervisor, and she adv that there is a 10 day grace period and paying on friday would be ok.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (TX)

There is an amount from a rental agreement that was terminated. The property management company sent a certified letter imposing claims on my security deposit. I sent within 15 days, a certified letter disputed the claim. This was in XXXX of XXXX. I have not heard anything from my former property management company. I received a call approximately in XXXX XXXX from Capital Accounts stating the have a debt from my former property management company. I asked for an itemized account of what was owed. They sent me a letter on XXXX/XXXX/XXXX with the lease agreement, and a ledger. On the ledger, there was an amount for repairs. I called Capital Accounts and asked again, for an itemized record of the amount that I am disputing. To this date, they have not submitted to me validation of the debt.
Consumer complaint received 2016-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (TN)

On XXXX XXXX, XXXX I received an initial phone call from Credit Management of XXXX, TX regarding a debt that I was unaware of. I was told that information would be received by mail and on XXXX XXXX I did receive a letter of notice. No details were included and as such I submitted a request by mail ( received on XXXX XXXX ) for verification of that debt. 

I have not yet received that verification however their phone calls and attempt at collecting resumed again today, XXXX XXXX, XXXX.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

The new mortgage servicer, Speclialized Loan Servicing did not provide me with the required welcome letter. The law requires that borrower receive two notices, one from your original mortgage servicer, the other from the new servicer. Unless you received a written transfer notice at settlement, your current servicer must send you a " Dear Borrower '' letter at least 15 days before the effective date of the transfer, which would be when the first payment is due at the new servicer 's address. The second notice -- a so-called " welcome letter '' -- should come from the new servicer, which must notify you within 15 days after the effective date of the transfer. 
Moreover, Speclialized Loan Servicing is engaging in the prohibited practice of dual tracking while I 'm under review for a loan modification. I was under review with the prior servicer, XXXX XXXX XXXX XXXX, XXXX and just prior to the transfer of Specialized Loan Servicing.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I opened a loan with XXXX in XXXX of XXXX. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was granted a deferment for those 3 months. Everything was fine, but recently late payments have been showing for those months on my Experian Credit Report, I contacted Achieve Personal Loans and they resolved the issue before. Now, it has come back up, so I contacted Achieve Personal Loans and they informed me that they have sent serval updates to fix these errors, but Experian has yet to make the corrections on their end. So, I filed a dispute with Experian and they launched an " investigation '' but the results came back as Verified as Accurate. XXXX informed me that they did not verify the errors as correct. 
XXXX is sending updated credit reports to Experian that reflect no late payments but, Experian is not using the updated report information from XXXX. Instead, Experian is not updating my report with the correct information they have received from XXXX. 
Also, since the most recent dispute, the incorrect information is now being reported to my XXXX report when it was not before. 

This has been an ongoing issue since XXXX of XXXX, it's has been interfering with my ability to purchase a home and obtain other financing ; I have had to put off the purchase for several months now ; negatively impacting my quality of life. Again, it should be noted that this issue has been ongoing for 5 months, with no resolution. 

If the matter is not resolved immediately, my only other option would be to take legal action.
Consumer complaint received 2016-02-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NH)

I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX in XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested XXXX to provide details on how the alleged amount of {$1100.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account.As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file
Consumer complaint received 2016-02-18
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (PA)

I contacted Caliber Home Loans last week & asked them to send me a copy of my original mortgage note. Upon my 1st call on XXXX/XXXX/16, I was told that it would take a month to be received. I spoke to my legal council, was told that I was provided false information, & encouraged to call them to escalate the concern. By XXXX/XXXX/16, I had a manager on the phone who tried telling me the same month time frame, but I shared with her the statues & laws they were breaking by not providing me a copy of my mortgage note upon my immediate request. Notes were then made on my account that I would finally receive my mortgage note by tonight ( XXXX/XXXX/16 ). Needless to say, I still did n't receive my info & as such, I escalated my concern with Caliber to XXXX, badge number XXXX, & was told that " no one '' knew why I did n't have my mortgage note by now. He then told me that I could have it faxed to me & in reply I said that the manager from last week told me that Caliber COULD N'T send me a fax -- another company contradiction. XXXX could n't provide an explanation for this & he has yet to send me a fax copy of my mortgage note. 

Caliber Home Loans ' inability to provide me a mortgage note in a timely manner, per their advisements, is negatively impacting my ability to do a refinance on my home. And if I am not able to complete my refinance as scheduled, I intent on holding Caliber responsible, legally & monetarily, to the fullest extent that local, state, & federal laws will allow.
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (OH)

Enhanced Recovery Company , LLC, XXXX XXXX XXXX, XXXX, FL XXXX. On XXXX XXXX, 2015 the said collector sent me a notice of some alleged XXXX-year old debt of {$97.00} from XXXX. On XXXX XXXX, 2015 I responded with a dispute letter. The collector in question has never responded to me with the required by federal law verification of my alleged debt after my dispute. Instead, they just went ahead and filed a damaging report of this " debt in collection '' with credit bureaus. I wonder do we still live in a country whose citizens must abide by law and why some people think they are immune from so blatantly braking the law?
Consumer complaint received 2015-07-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC (VA)

Received several calls from this company, but they did not leave a message. I called their number, and asked repeatedly what company they were calling from ; what they were calling me in regards to ; what was the name of their company. Their employees refused to answer my questions, instead they just put me on hold and transferred me to another person. Then they would hang up. I called back again, and finally one of their representatives told me the name of their company was Trans World Systems. They did NOT tell me that this was in reference to a debt. They asked for personal information ( my name, address ) but refused to tell me why. Finally, I told the person that I would be filing a complaint with the FTC if they ever called me again. I asked them to confirm that I had told them not to call me, and the person said yes. Many times during my call, I asked them what this was in reference to, and they refused to answer. The only reason I know that they are debt collectors is from Googling the name of their company. I have not been told what debt this is in reference to, so I can not make any judgment about whether it is an actual debt, or a complete scam. They totally ignored their government requirement to tell me that their phone calls were in reference to a debt. In addition, I believe that they are attempting to mislead consumers with their name. It would be easy to confuse their name ( Trans World Systems ) with the legitimate company XXXX XXXX.
Consumer complaint received 2016-02-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MD)

I went to XXXX University in XXXX, Maryland for 5 years. My loans were through XXXX XXXX which is now Navient. I have around XXXX in loans. I have tried to make my payments on time and in full but I can not. The operators when I call have no solutions or knowledge, and can not help me, yet they hound me constantly to make a payment. Navient loans is contentiously calling me and harassing me to make a payment. I 've tried to work with them to get my payments lowered and they said they can do nothing for me. My co-signers are in debt as well but make more money than I do. I make only XXXX a year, and I 'm about to have a baby. But Navient continuously calls and says that I need to make my payments before I go into default. I have told them about my situation and they have no solutions for me. I can not afford almost half of my paycheck to go to my Student Loans. It 's ridiculous that I can not have my payments lowered to work with my financial situation.
Consumer complaint received 2016-02-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

To whom it may concern, I received an Escrow account disclosure statement and notice of new mortgage payment dated XXXX XXXX, XXXX. In the statement, the bank has attempted to forecast my escrow account for the 5th year of my mortgage. Technically, they have done it incorrectly because I have FHA Insurance that should be suspended in XXXX XXXX per the terms of the mortgage contract. However my concern is the current principal balance that is posted to my account at the company 's website. When the analysis was conducted and the statement sent, the company calculated a shortage of {$91.00}. They allowed for XXXX options, pay the entire amount with a resulting mortgage payment of {$800.00} or pay the shortage over the next 12 months in a new mortgage payment of {$810.00}. This would be effective for the period payment on XXXX/XXXX/XXXX. I chose to pay the entire shortage of XXXX with a resulting payment of XXXX, as I have done in the past. I adjusted my Excel workbook, calculated the payment, maximized my additional principal payment and submitted XXXX payments to the mortgage company. XXXX for the escrow shortage and XXXX for the required payment of XXXX plus XXXX in additional principal. Total payment for XXXX XXXX, XXXX was {$1100.00}. The current outstanding balance shows {$88000.00}. This is incorrect! Referring to my XXXX workbook shows this is different than expected, so I viewed the account summary which shows " Last payment received on XXXX/XXXX/XXXX {$810.00} " and shows " Next payment DUE ON XXXX/XXXX/XXXX {$800.00} '' and also shows transactions for the period. Here are the last transactions specific to the XXXX/XXXX/XXXX payment : Date, Description, Amount, Balance XXXX/XXXX/XXXX PMT REVERSAL {$0.00} {$88000.00} XXXX/XXXX/XXXX PMT REVERSAL {$91.00} {$88000.00} XXXX/XXXX/XXXX APPLIED FUNDS ( Details ) - {$91.00} {$88000.00} XXXX/XXXX/XXXX PRINCIPAL PMT ( Details ) {$91.00} {$88000.00} XXXX/XXXX/XXXX PRINCIPAL PMT ( Details ) {$280.00} {$88000.00} XXXX/XXXX/XXXX PAYMENT ( Details ) {$810.00} {$89000.00} After looking at these items, I see several mistakes and I am no banking consultant or mortgage analyst but I found it odd that the items do not match my Excel workbook which tracks my payments, as well as my outstanding balance, to include some other details. If I recall, I think that WFC is the largest holder of residential mortgage loans and would think that they would be able to correctly determine the outstanding balance of my loan. Maybe they are trying to make an arbitrage profit? I do n't think that it is fair that I have to watch my account to determine that there are mistakes being made. 

In summary, on XXXX/XXXX/XXXX my required payment was XXXX. Effectively, my payment on XXXX/XXXX/XXXX was XXXX, the same as it is showing for the current month, due XXXX/XXXX/XXXX. WFC calculated my payment as XXXX for XXXX/XXXX/XXXX. In doing so, the outstanding balance is incorrect. I have not viewed the escrow account for discrepancies but imagine that there may be some.
Consumer complaint received 2015-07-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our company runs a XXXX to help low income communities with access to bill payment and phone balance reloads. We do this by deploying bill payment machines into convenience stores in low income areas. We opened an account with Bank Of America to allow store owners to deposit the funds from the machines. When I opened the account, I explained exactly what we do. A couple of months later, the account suddenly gets classified as an " MSB '' account, and gets frozen by the bank 's MSB department. Because of the bank 's actions, we have racked up over {$1000.00} in fees which is absolutely unacceptable. At this point, I just want my money back, and to close the bank account.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I seen an account by XXXX XXXX that is in violationof my rights also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2016-02-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (VA)

I have a title loan on my XXXX Chevrolet Equinox through Titlemax located at XXXX XXXX XXXX XXXX, VA XXXX, phone XXXX. The state of Virginia requires a 10 day written notice to be sent before repossession of the car. That was not done and the car was repossessed XX/XX/2016.The repossession agents told me they were going to charge me with a felony if I did n't give them the car. They did or acted like they were calling the police and told my wife I was going to jail. I called Titlemax and I told the person answering the phone I would come in and pay today. The repossession men called Titlemax and they said no but to tow the car in. When I was trying to call the District Manager they pulled up to attached the car to the wrecker. He said I would be responsible for repossession costs. According to 6.2217 of the Code of Virginia, I am not responsible for these costs without a 10-day notice. Also, I was willing and offered to pay today to avoid this repossession. I was denied my rights under Virginia state law.Also, I was threatened with the police and to be charged with a felony and I know that type of intimidation is not allowed according to the Fair Debt Collections Act.
Consumer complaint received 2015-09-18
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Selene Finance LP (DC)

I received a phone call today from Selene Finance attempting to collect a debt discharged in bankruptcy. My mortgage. Attached also is a copy of a letter I received on XXXX XXXX, 2015. I do n't understand why it is taking so long to foreclose on that house.
Consumer complaint received 2015-12-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tri-State Adjustments, Inc. (FL)

I have been hounded by XXXX of XXXX, XXXX whom I revoked permission to supply XXXX supplies in XXXX. 

I received a collection notice from XXXX XXXX in XXXX, XXXX for a XXXX XXXX, XXXX shipment of supplies I never received. The debt verification statement contained information violating my HIPAA rights. A follow up letter of XXXX XXXX, XXXX contained my demand for proper verification, which XXXX did not respond to since they were unable to verify my receipt of the items. 

I now received a collection notice from Tri-State Adjustments of XXXX, WI. for items supposedly sent on XXXX/XXXX/XXXX. I responded to Tri-State advising them of the XXXX attempted collection and included a copy of my letter to XXXX stating what proper verification would be. 

What I received back, was a bare statement from XXXX XXXX XXXX. No information of how the items were sent or proof of receipt of the items. 

What the statement from XXXX XXXX XXXX does show is a shipment on XXXX/XXXX/XXXX to an address that I moved from on XXXX/XXXX/XXXX. 

Not only is XXXX, XXXX and Tri-State harassing me for items not received, items XXXX was advised to no longer provide but items they sent to an incorrect address. 

These items were not received and XXXX XXXX XXXX will not even provide shipping details with receipt of delivery. If these items were sent via uninsured or via non trackable means, failure to deliver does not make me responsible for the cost of the items. Had they been properly sent, perhaps they would have been advised that I no longer lived at the address to where the items were sent. 

In addition, the debt was reported to the CRA 's prior to any notice being provided to me.
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (IL)

I was forced to file a complaint ( XXXX ) a couple of months ago because Chase bank failed to give me the British Airways points I was entitled to on my credit card. After you intervened, they fixed it. Now the same thing has happened on my XXXX XXXX statement. How many times do I have to go through this? I emailed Chase this morning and told them I would be canceling the card as soon as the annual fee again comes due if this were to occur yet again, but meanwhile, can you nudge them to give me the points I have earned? Thank you.