davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-30
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SHAPIRO LAW OFFICE, PC (PA)

I was contacted by XXXX XXXX, Shapiro Law Offices, P.C. of XXXX XXXX XXXX, XXXX Pa XXXX on XXXX XXXX, 2014 regarding the payment of a past debt to XXXX XXXX. that was originally almost completely paid to XXXX, XXXX and XXXX XXXX XXXX of XXXX PA. I immediately contacted XXXX XXXX to indicate that I would be happy to resolve the remaining amount that had been contested and released from XXXX, XXXX and XXXX when he provided an accurate balance to be paid. XXXX XXXX was adamant that I owed the full balance. I asked him to contact the prior collector to ascertain the correct balance due. I was consequently served a subpoena from my local court. At that point I had no choice but to hire an Attorney myself. On at least XXXX additional occasions XXXX XXXX continued to purposely misrepresent the amount owed to my Attorney, prolonging my need for legal representation and subsequent fees. It was only after XXXX XXXX himself was served with interrogatories and compelled by legal requirements that he went and actually acquired the past payment history clearly indicating that I did not owe {$2200.00} as he had maintained up until that point in time. I accrued Attorney fees of {$920.00} since XXXX XXXX misrepresented what I actually owed on the debt, and continued the charade even after I sought legal representation. The debt was finally resolved, but I had to sacrifice almost an additional {$1000.00} due to XXXX XXXX 's false representation of the debt. I am seeking to be repaid for my Attorney fees by XXXX XXXX.
Consumer complaint received 2024-08-09
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)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

I opened a sears credit card in XXXX, I was told I could use the credit card any where not just the store. It turned out I could n't, I tried using the credit card a week ago and I could n't use it. I spoke to multiple customer service representatives, who where unable to verified my personal information for security reasons after I sent the SEARS the requested documentation they needed. Many of their customer service representatives hanged up the phone on me because they refused to help me in my situation. The company lies about credit cards. The only time I was able to set up an online account to verified that I paid what I paid, that was the only time I had access to the account. Sears demands again all my information and I am not able to even use the credit card. In addition, I was charged {$35.00} fee for late payment because after days and days of calling the company to verified my information, they were rather interested in me paying that doing anything else. They did waived the fee, but it was not until I spoke to a supervisor after mostly all customer service representatives refuse to transfer me to the supervisor. The company lies and opens credit cards that are only good use in its stores, there was no information given nor terms of conditions when I open the credit card, so I do not know how much in interests I am being charges.
Consumer complaint received 2015-07-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I fell behind in payments because our XXXX failed, my husband and I were both XXXX employed and as economy got bad, XXXX business was no longer bringing income. we applied for loan modification a few years ago as we were working and able to start making payments again. I hired an attorney to help with the loan modification but it failed. I was told that my house is not worth the amount of the loan so I ca n't get modified. why was n't I offered a reduction or deferment so I can keep my home. I have enough income to make the mortgage payment.,
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commercial Acceptance Company (MD)

I have established my credit over the last eight years and settle are open and confirm debits with all my creditors. However, I keep getting random collection letters from various companies claiming I owe some other company I have never down business with money. In this instance the company CAC ( Commercial Acceptance Company ) is claiming I owe a bank named XXXX XXXX in the amount of {$250.00}. I have never had a banking relationship with this bank or its subsidiaries. This collection agency does not provide any proof of debit or that they have the correct party, nor do they offer federally required disclosures with the notices they send.
Consumer complaint received 2015-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MI)

On XX/XX/XXXX we took out a loan # XXXX with GMAC mortgage for {$300000.00}. On XX/XX/XXXX with did a refinance with GMAC Mortgage loan # XXXX. On the enclosed HUD statement a payment of # XXXX was made to " Internal Payoff to GMAC Mortgage ''. However per letter dated XX/XX/XXXX when they did the lien search it had not been placed on the property therefore they did not execute a release of Lien. However after that a lien was placed on the first loan that had already been paid off. The was recorder on XXXX XXXX page XXXX for the amount of {$300000.00}. This should have never been put on since it was paid off on XX/XX/XXXX as stated in the letter from GMAC. 
We are trying to get a loan and are unable to since the lien is still on our property. Since GMAC mortgage no longer exists I tried calling XXXX. They would not help me and gave me Ocwen contact. I called Ocwen and they also would not help me as they only have information on the Active loans. 
In addition the title company that serviced the refinance is no longer in business. We need help on who has the GMAC documents and can help provide us the release of lien that was paid off.
Consumer complaint received 2015-10-05
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: PNC Bank N.A. (PA)

This complaint is regarding International money transfer by PNC Bank, XXXX XXXX XXXX, XXXX, PA XXXX. 
I am permanent resident in XXXX. I support my family who lives in XXXX. 
I have tried to send wire transfer to my mother and my niece and multiple ones of them were unsuccessful, resulting in increased financial burden for me, taking time off work to perform these transfers and having to go to the bank to check on transfers, they would not perform it over the phone, I need to go there and present my government issued ID. 
The first wire was send on XXXX XXXX, 2015 for {$9000.00}. It went through without a problem. 

The second wire was send on XXXX XXXX, 2015 for {$17000.00}. This wire did not go through. I went to the XXXX Branch and had discussion with the person sending the wire. Who would not give me any answer, I was told it was bank policy not to tell me about it. I was given no recourse. 

The third try at wiring the money happened from XXXX branch on XXXX XXXX, 2015, where I was told that the amount I was trying to send before is above the limit of {$10000.00}. So it has to be broken down into XXXX separate wires. I agreed to send this wire for {$9000.00}. It did not go through. Upon my inquiry, I was told to take my account somewhere else. 

Then I went to the downtown branch in the XXXX XXXX XXXX building. The person there told me that the previous XXXX wires did not go through because, the wire operator in the wire room entered wrong information. He also told me that I have a valid reason to transfer {$17000.00}, no reason to pay double the fee, it can be send by a single wire. He send the wire and confirmed with the wire operator exact information that was entered. This wire went through. 

Another wire was send on XXXX XXXX, 2015. This was for {$8000.00}. The wire was not received by the intended recipient. I went to the bank and inquired about it on XX/XX/2015. A phone call was placed by XXXX XXXX to the wire room, she was informed that there are multiple wires about which he is getting complaints, i think he said it was XXXX XXXX. I was told by the branch manager XXXX XXXX that she will pass it on but there is nothing else she can do to help me. 

Attached are all the copies and receipts. 
Thank you, XXXX XXXX XXXX. 
Phone # ( XXXX ) XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2016-02-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: U.S. BANCORP (MN)

I took my home loan from US Bank, there was issues in loan fees charges and credit promised by lender in final XXXX document. 

My Mortgage Originator promised me that he will look on to those issues and reimburse me for additional charges which are in XXXX. 
I was not able to resolve those issues in time before closing as Mortgage Originator was on leave and on day of closing he verbally informed me that he will issue credit for wrong charges. 

Later they denied for adjustment and informed me that now they ca n't go back as closing is already done, when I have given option of XXXX correction, they informed me that they will reimburse me through XXXX gift card. 
My closing was done on XXXX/XXXX/2015, they accepted to reimburse through Gift card on XXXX/XXXX/2015 and since then I am following up with them to get Gift cards, and my mortgage originator replying to me that he will get them in week XXXX, but actually never sent them to me. 

I had overpaid {$290.00} than agreed as below. 
I was supposed to get credit {$530.00} ( Platinum credit ) and {$470.00} ( Appraisal fee waiver ), total {$1000.00}. 
But actually I received credit of {$530.00} ( Platinum credit ) and {$210.00} ( Lender credit ), total {$750.00}. 
Also, their was charge {$43.00} for point ( which was never agreed ), so total I over paid is {$290.00} XXXX XXXX - XXXX + XXXX = XXXX ). 
I have all email communications from them.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (PA)

A " debt collection '' agency is trying to solicit payments on a debt to XXXX that I do not owe. The same number XXXX XXXX ) had called me on XXXX XXXX at XXXX and again on XXXX XXXX at XXXX. I returned the call at XXXX on XXXX XXXX. When I first got on the line, a woman told me her name and company too quickly for me to hear. She asked me to confirm my name, which I did. She then asked me to confirm my address, which I did not feel comfortable doing, so I asked her to repeat the name of the company. I typed the same into XXXX quickly, and realized that others have complained about solicitation of false debts. The woman on the line asked me to confirm my address, which I did. She had already known my correct full name and address, even though I have never shared this information with this company. She then informed me that I owe approximately {$600.00} to the company XXXX, which is ridiculously untrue. She asked how I would like to pay today, and I hung up the phone. I have since logged in to my account on XXXX 's website, which I made when I bought a dish for XXXX in 2012. My account shows no other purchases since the dish, and certainly no existing balance.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I am a XXXX veteran on a fixed income. I have a mortgage which is owned by Nationstar mortgage of XXXX, TX. I have paid the original mortgage amount down from {$100.00}, XXXX to {$85000.00}. I have requested the removal of the current monthly PMI amount up to of {$47.00} from my payments. Well, they are requiring my signing of a formatted letter generated by Nationstar mortgage that states that I will be charged up to {$600.00} for an appraisal that they will acquire. Well, from my understanding of XXXX once the mortgage balance reaches the amount of 20 % been paid off that the mortgage company was obligated to drop the PMI. My mortgage is well past that point but they refuse to cancel the PMI. The following is applicable info : :Mortgage Company : Nation Star Mortgage Phone # XXXX or XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX XXXX TX XXXX
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (FL)

I am having difficulty refinancing my mortgage because my current mortgage holder will not report it to the credit bureaus. I do not get written or verbal responses when I contact the bank. I have called and written them asking that they please report my mortgage to the credit bureaus so that I can refinance. They seem to be using delay and avoidance tactics to prevent me from refinancing.
Consumer complaint received 2015-07-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Thaxton Investment Corporation (SC)

A representative from SOCO Finance knocked on my apartment door at XXXX on XXXX XXXX, 2015. The representative continuously knocked for ten minutes and then placed a letter in the door. The knocking frightened my children as they were uncomfortable with someone knocking on the door at late hours and caused my dog to bark ferociously. Our apartment has a sign that states no soliciting and therefore there should be no one knocking to solicit any information especially at such late hours. I called SOCO Finance at XXXX on XXXX XXXX, 2015 to speak with the manager. I spoke with XXXX the manager concerning the issue. He said that he will continue to come to our house at such late hours and will come again tonight. He was very unprofessional during our conversation.
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sentry Recovery and Collections, Inc. (NM)

I checked my credit report and I seen this account in collection for {$3200.00} for an old apartment My Ex boyfriend and I had together. When I turned in the keys to the apartment my ex boyfriend made payment arrangements with the office and the total owed was only {$2200.00}. I thought this was taken care of by my ex. I attempted to email the debt collector requesting verification my email was returned and it said it was undelivered and it was the correct email I got off from there website. However I was never contacted by this debt collector I was never given an opportunity to dispute or get verification of debit. I just want to avoid legal action because right on there website it says they will sue anybody if they do n't pay. As a consumer I know I have rights and I feel this debt collector is not following the law.
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (CA)

Received a phone call from XXXX & XXXX, XXXX on behalf of MetLife on XX/XX/XXXX stating they are trying to collect an overpayment from a Long Term Disability Claim from XXXX. I never received any documentation from MetLife regarding an overpayment in XXXX and do not think it is legal to come after me 8 years later when I no longer have access to documents to substantiate the claim. MetLife has confirmed that they forwarded this claim to XXXX XXXX XXXX in a letter sent XX/XX/XXXX. I have a letter from XXXX XXXX XXXX dated XX/XX/XXXX and have notified them via phone that I intend to fight this debt collection.
Consumer complaint received 2015-05-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I sent in a mortgage payoff to Specialized Loan Servicing, XXXX, Colorado. It was rejected because the funds were n't certified. I sent in certified funds. I received a call that the payoff was short because of interest and that I could pay it off with a credit card over the phone. I asked first for a letter saying that this would pay it off in full. They refused so I did n't pay it. I just got a letter asking for additional funds to pay off the loan that says if the funds are not received by XXXX. on XXXX they will return all the money received. 
XXXX problems : I received that letter on Saturday afternoon, XXXX which meant a run to the bank and to XXXX to send it off in time. I missed the XXXX deadline. Problem XXXX : It seems to me they are deliberately making it difficult to pay to maximize interest. Why would n't a company accept a check and bill for the remainder if it were interested in a payoff? Is this legal?
Consumer complaint received 2015-05-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

I never gave my authorization for this dealership to pull my credit XXXX different times. I never would have believed that a dealer would run my credit so many times. This has messed up my credit score and has made it very hard to even get financed through any other dealership. I sent out a certified letter to dispute and request proof of where I gave my authorization for my credit to be pulled XXXX times. They pulled my credit XXXX times the day I stopped by their dealership I found out, but then pulled it again after I had left the dealership calling me about they are able to get me a lower price. I did n't know they were pulling my credit all these times and it was not with my consent. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over 30 days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.
Consumer complaint received 2024-08-09
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. (IL)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX INQUIRIES* XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN= XXXX= All is being investigated by the FTC and CFPB . According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Around XX/XX/year> I disputed information that was been reported on my credit reports that didnt belong to me I asked them for documentation showing I open the account with my signature and other documents that they may have. XX/XX/year> I received an package in the mail from XXXX XXXX XXXX for me to fill out information and an letter with the XXXXginal Creditor information and the amount no documents of the loan or anything just an letter for me to fill out and send back to them. I have been trying to get them to send me the original documents bearing my signature showing the date and time the loan was open.