davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

XX/XX/XXXX I received a letter from Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX which said that our home equity loan was being changed from interest only to interest and principal. Nowhere in the letter did it say what the amount of our new payment would be. For about 60 months we have been paying interest and some toward principal. The new payment was to begin on XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX I called SLS and the person that I talked to had no idea what I was talking about. So, on XX/XX/XXXX I called again and again the person I talked to said he was n't aware of what I was talking about so I asked him what my minimum payment would be for XX/XX/XXXX and he said {$64.00} and change which is just the interest on the loan. Both XX/XX/XXXX and XX/XX/XXXX we sent in payments, on time in the amount of interest plus some toward principal. We made our XX/XX/XXXX payment on XX/XX/XXXX and on XX/XX/XXXX we received a default notice and notice of intent to foreclose on the property. The letter said that we needed to pay {$1300.00} by XX/XX/XXXX to bring the account up to date or they would start foreclosure proceedings. Again, there was no mention of what our new monthly payment should be. SLS is holding the funds until the total equals a full payment which I found out is {$450.00} per month. If XXXX would have told me what my new payment was in XX/XX/XXXX or XX/XX/XXXX I would have paid it. We are in the process of trying to refinance our home and SLS is considering those payment sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late payments. which will disqualify us from obtaining a refi. I think the way they do business is suspect and they deceive their customers and lie to them such as in this case because I think that is just what they did because any reputable company would have that info in their computers so their reps could convey that info the the customer on request. I mean, if a letter comes out in early XX/XX/XXXX and it is not in their computer in XX/XX/XXXX there is something seriously wrong. What I want is for those three months to be not listed as late so we can proceed with our refi and get rid of this lousy company.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint because XXXX  XXXX continues to report a balance on an account that they have sold to XXXX XXXX XXXX, XXXX ( " XXXX, XXXX '' ). According to the Fair Credit Reporting Act ( FCRA ) and guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), when an account is sold, the original creditor is required to update the account to reflect a {$0.00} balance and indicate that it has been transferred. However, XXXX XXXX has failed to update this information, resulting in inaccurate and misleading reporting on my credit report. 

Despite my efforts to dispute this with both XXXX XXXX and Experian, the inaccurate information remains. Experian has failed to perform due diligence in ensuring the accuracy of the information they are reporting, which is a clear violation of the FCRAs accuracy requirements. This ongoing incorrect reporting is damaging my XXXX XXXX, and I am seeking the CFPBs intervention to correct this issue and hold the responsible parties accountable.
Consumer complaint received 2015-07-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

This letter is being sent to you in response to the above reference account that Wakefield & Associates has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf Wakefield & Associates is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : Trafficking Block Request I am a XXXX of XXXX and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$6200.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$2900.00} Account Name : XXXX  Account Number : XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$5900.00} Account Name : XXXX Account Number : XXXX Balance : {$15000.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I applied for mortgage modification in XX/XX/XXXX. I was current and have excellent credit. I provided all necessary requested documents by the end of XXXX. I was told that it will close by end of XXXX or by XXXX. I received approval and new payment amount starting in XX/XX/XXXX. My old payment amount on my mortgage is withdrawn automatically but i am getting delinquency letter. I have contacted them and they have not sent anything in writing but verbally said that i am not delinquent. I am told now that it will show on my credit as delinquency for a period of time. I was not told this at any point in the refi process. I am current and have paid. Tried to contact them several times and made call appt. but no response. Lack of response and my delinquency status is worrisome. I was decline HELOC refi from XXXX. My real estate tax was to be paid by CCO since it is escrowed in the new loan, it is not paid yet. Now it is XXXX and my mortgage refi is not complete or close yet. They have dragged this process long for no apparent reason. I have provided all required information right away. Signed and sent documents on XX/XX/XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to follow up on a dispute I previously raised concerning a negative item on my credit report. Despite multiple attempts to have this matter resolved, the item continues to be inaccurately reported across all three credit bureaus.
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (WI)

I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX ( CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay XXXX for Alleged Consumer deception - - - XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XX/XX/XXXX - finally XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX XXXX which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX
Consumer complaint received 2015-09-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TN)

Today, XXXX XXXX, 2015, an employee of Regions Bank located at XXXX XXXX XXXX, XXXX, TN XXXX, released personal information, to an unauthorized individual. The individual, a friend of my mother, was doing some personal banking for her. The bank manager looked up my personal account and informed him of my account balance. The individual then notified me, by phone, of this incident.
Consumer complaint received 2015-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Services, Inc. (TX)

In XX/XX/XXXX of this year, me and my wife became aware that were are victims of identity theft. I have been actively disputing the ( XXXX XXXX outstanding collections that this company is reporting as my debt. Apparently, multiple checks were written to a grocery store XXXX, WA back sometime between XXXX - XXXX XXXX 2010. I have reached out to this company as well as my continued efforts of disputing these accounts as fraud XXXX to no avail. I have submitted my ID on multiple occasions and have directly challenged for the collector to confirm that these are legitimate collections. I have never been to XXXX XXXX, WA, do not know anyone there and have certainly not written any checks at a local grocery store. These accounts continue to adversely affect my credit file ( s ). There is no way that this company has any documentation that would validate these debts as mine!
Consumer complaint received 2015-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (IL)

I received a mailing from a debt collection company called Dynamic Recovery Solutions dated XX/XX/XXXX. It claimed that I owed the original creditor, XXXX, the telecom company, {$370.00}. The letter also indicated that the debt was purchased from another collection company called XXXX XXXX XXXX. I had never heard of the original debt. 

Upon calling Dynamic Recovery Solutions, I learned that the supposed debt was from XX/XX/XXXX - 13 years old - and that it was not reportable to credit reporting agencies because of its age. I explained to the representative that this debt was not mine, that I had never heard of it, and that it is unscrupulous and illegal for a company to make up a debt in a consumer 's name and offer to negotiate that debt down, especially a supposed debt of such age. I threatened legal action and an FTC complaint if any further steps to collect this fraudulent debt were taken by the company. They claim to have filed a " request for dismissal '' of the debt back to XXXX XXXX XXXX - the original debt collector - but never emailed me the paperwork confirming that this request had been made. 

I believe this company may be operating a scam, namely calling former XXXX customers from years past and claiming that these consumers owed XXXX some nominal amount that could be resolved for some fraction of the original " debt '' amount. As a result of the age of the " debt '', consumers ' lack of memory of debt from decades prior, and consumers ' fear of harming their credit scores, consumers may pay the {$100.00} or so dollars to have the issue resolved, even if there was no " debt '' owed in the first place. 

Thank you.
Consumer complaint received 2015-09-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe (UT)

I have been contacted by Conserve Inc. on and off by either phone or mail since XXXX of 2015, about a debt that my ex-husband assumed in our divorce. 

On XXXX/XXXX/2015 at XXXX I was contacted by phone by a woman named XXXX XXXX representing Conserve INC. After explaining my predicament, to yet another agent assigned to this debt, she advised me to write down the case # of the Conserve account and to write my full name, social security number, and include that I am not responsible for the debt, while she was telling me this, she put me on hold, came back on the line and told me she had given me false/wrong information and that I was being transferred to a XXXX XXXX XXXX . 

XXXX XXXX told me that the account has been opened for 6 months and that it needed to be settled and asked what I was going to do to settle it. I again told him that I was not responsible for the debt and asked them to either contact my ex-husband or send me original documentation. I was told in response to the documentation request that it was sent to another unknown collection agency and that to get me copies of the documentation would take too long to arrive and that I needed to settle the debt. I again informed XXXX XXXX that my name was n't associated with the loan and asked them to contact my ex-husband. XXXX XXXX then stated that when attempts were made to reach my ex-husband that he would either not answer or connect the line and not speak. XXXX XXXX insisted that I " should n't hold my breath '' waiting for my ex-husband to take care of the debt and that I should set up payments. I felt that XXXX XXXX statements were a threat directly to me, implying that I would immediately need to take care of the debt. 

I also understand that they are not allowed to discuss communications that they have with my ex-husband. Upon hearing that information from XXXX XXXX it caused me great alarm and stress. This loan is for over {$86000.00} and I feel I have worked with them and all I keep getting is threats to make them an offer. 

I have sent them a copy of all my financials and my divorce decree proving that they need to contact my ex-husband. I feel that their statements indicate that they are no longer attempting to contact my ex-husband and are only coming after me for this debt. I believe that XXXX XXXX is using scare tactics and bullying in an attempt to push me into paying a debt that is not mine.
Consumer complaint received 2015-09-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

I have created debit cards for my teenage children. The debit card is NOT a credit card but simply a debit card account with no checks. Wells Fargo prevents them from overdrawing the account through ATM machines and certain charges like at stores but allows charges from the internet to go through even though the balance is not there which results in {$15.00} charges for each occurrence, even if the occurrence is {$5.00}. This was discussed with them on multiple occasions where they assure me it wont happen but does. 

This in no way is reasonable, they have all the technical capability in the world and are simply perpetuating overdraft fees based on old methods of writing " hot '' checks. Its simple, if the funds are n't there, then the card wo n't work. They cant say they ca n't do it because they check it at the ATM and they check credit balances preventing transactions from going through. The fact is they are ALLOWING the DEBIT card to act as though its a CREDIT card with no credit limit, this is just wrong on so many levels and another example of how they fleece the XXXX Public.
Consumer complaint received 2015-09-23
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX. I XXXX XXXX, a ( XXXX ) page letter from Bank of XXXX XXXX XXXX, XXXX, NY XXXX. Informed my savings account. XXXX XXXX XXXX. Case number landlord tenant XXXX XXXX. The XXXX page stated that {$4200.00} is being restrain by law to debit and restrict to account ending XXXX. But {$8500.00} is being attached and held in total plus {$100.00} processing fee. - BUT no safe deposit Box Number to locate where the money is being held. the XXXX page is restraining notice from a third party debt collector signed by an attorney BUT no a judge XXXX PAGE is an exemption notice not signed the XXXX and XXXX pages are Exemption forms Not sign. BUT The NOTICE of JUDGMENT signs by a Judge was NOT included. Which is required by federal and state LAW before. On XXXX XXXX, I spoke to XXXX XXXX at Bank of America XXXX XXXX, XXXX NY she told called Bank of America legal order Process and sole to XXXX XXXX and replied that the do n't have an judgement order for the {$8500.00}. Further that they do n't require Creditors to prove that they is a judgement. I involved my constitution right to face the evidence and to validate the debt of {$8500.00}. Plus {$100.00} processing fee. Furthermore I also since the was proof notice of the judgement. Bank of America legal department illegally Froze my account improperly with the correct and just due process. Last I did n't get any notice from XXXX XXXX from XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX tell XXXX. I pray that an injunction be place on the freeze against my account and the proper and through investigation intimated on Bank of America failure to comply with the proper due process. To reintegrate the creator did n't provide PROOF a copy of the judgment amount claim of {$4200.00} ( + {$4200.00} ) second no proof of letter showing prior notice of garnishment. Which must be a produce along with notice of garnishment.
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (MA)

I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( JH Portfolio Debt ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.