davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax has refused to remove fradulent information from my credit report after supplying them with more proof then the creditors are willing to supply reguarding the accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These banks have never sent me a contract to back up their claims and have reported false information as well as information from debts they can not legally collect on in my state, I will be attaching the law for debt in my state.
Consumer complaint received 2016-07-07
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Todd, Bremer & Lawson, Inc. (FL)

The total of the classes I could not even attend at XXXX was only {$3200.00}, not {$4000.00}. I was driving back and forth from XXXX to XXXX every single day, five days a week or sleeping in my car when I had to because I could not afford an apartment in XXXX, but I really wanted to work hard to pursue my XXXX XXXX XXXX in XXXX, after graduating with my XXXX from the XXXX. I missed the first class of my XXXX and was dropped from the course, without notice. I was then told to register for a different XXXX, but it would mean paying another {$250.00}, which I absolutely did not have at the time, and could not get in any way, shape or form within the 24-48 hrs that I was told I had to pay for it. Therefore, XXXX dropped me from ALL of my classes, without my permission, and I lost my entire student loan. The whole situation is completely unfair. If I had never been unwillingly dropped from my courses, I could possibleIy be half way towards finishing my XXXX XXXX XXXX right now, at least. Since I can not do anything about the unfair experience I had at XXXX, I am willing to get on a payment plan for the actual amount owed, but I do not understand why it is reported as more than it actually is/should be. Completely ridiculous, especially for a young mother who was doing literally everything possible to pursue higher education, and make a better life for myself, and contribute more to society.
Consumer complaint received 2016-07-01
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Service Bureau (AZ)

I received a call at XXXX on XXXX XXXX, XXXX from XXXX with a recording saying they were trying to reach me and to select XXXX if it was me, which I did, and I was transferred to a person who identified himself as calling from Professional Services Bureau and later identified himself as XXXX . XXXX informed me he was calling in regards to my XXXX XXXX account that was past due. I informed him I had set up auto payments on the account, and he confirmed I had but that no payment had been made since XXXX XXXX. I checked my bank account and confirmed that the auto payments had not been occurring as expected. I asked him if he could explain why and he responded only that I needed to pay the balance in full or at least half of the amount. I requested the balance in full and he stated {$830.00}. I told him that was much higher than I thought it should be and informed him that I was going to need to look back at my records to determine if that was accurate and wanted to figure out why my payments had stopped. He responded by telling me I did not have to check my records I just needed to make a payment and asked how much I could pay now. I told him I was about to take a pay cut at work so the most I could do was the {$85.00} a month I thought I had been doing but with the balance he stated I wanted to check my records first. He became aggressive telling me I did not need to check my records, that I needed to make a payment, and challenged me on what records and why I would need to check them. I informed him that I wanted his name ( which he gave as XXXX but refused to give his last name ) and that he was not allowed to be challenging and aggressive towards me and if he continued that I would report him. He continued with his aggressive communications despite my comments and requests and he continued to insist I did n't need to check my records and just needed to set up a payment and accused me of being the aggressive XXXX. I ended the call at that point.
Consumer complaint received 2016-07-01
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Bayview loan servicing and their foreclosing firm, XXXX XXXX has wrongfully collected funds from the sale of my foreclosed house. Bayview billed and collected money from me beyond what was fair and legal. 

The attached ledger shows that in their statement of what I owed, Bayview billed me twice for the foreclosing attorney 's fees. 
Arrowed XXXX and XXXX in the attached documents. 
I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, XXXX XXXX. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. 

The attached information also details property inspections by Bayview for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. 

XXXX XXXX also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by XXXX XXXX is unfair under FDCPA and I do not agree.
Consumer complaint received 2016-07-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have sent several requests to Portfolio Recovery per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Consumer complaint received 2016-07-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Security Credit Services, LLC (GA)

Hello Sir Compay call Security credit services call me in XXXX and told me i have {$1700.00} payment left which i never borrow and lease from any XXXX. I told them to send me written or email notice but they didt send me any thing and yesterday they put inquiry in my credit companies. So i like to take further step with you so you can help me for this.i have there info Company : - Security Credit Services Address : - XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ID : - XXXX
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I am very upset of the way Specialist Loan Servicing has handle my loan. First my income is always calculated wrong and the value of my property as well, I have paid for my own Appraisal to proof SLS that my home is severely under water. I am been forced to reapply every time, and is always the same decision. However I have my nephew as a contributor, and I have provided SLS many documents for proof of occupancy and still they keep requesting more documents every time. At this point I am more than sure that SLS does not have any intentions of helping me, instead SLS is prolonging may case making me fall more behind. I am tired of the fraudulent and deceptive practices SLS has used in order to denied me a modification. I am going trough so much stress and is affecting my health. My half-brother and nephew are the only source of income I have. I have provided their state id and tax returns and they both have my property address. Therefore I am hoping that SLS can finally finish the review and provide me with an affordable mortgage payment.
Consumer complaint received 2024-08-09
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. (CA)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX Account XXXX " Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' XXXXXXXX XXXX XXXX Account Number:XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX Account Number:XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX Account NumberXXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks.
Consumer complaint received 2016-07-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA is the most predatory, self- serving establishment ever. They give no regard to their clients. I have a XXXX vehicle financed through Santander. For the past 2 years I have paid on time and have never been delinquent. XXXX XXXX I get a call that they never received my XXXX payment and to make a partial payment immediately. According to my bank statement the check that was mailed to their XXXX TX office, cleared on XXXX XXXX. When I call, I am treated like a criminal and a thief, I explained that I am trying to send my proof to them that the payment has cleared my bank. To make an extremely long story short, they only provide XXXX fax number to reach their accounting dept. They do not allow emails. I have faxed my documentation 7 times in the past week, every time I call, the XXXX individuals continually tell me, there is something with your fax maam ' we do not have your documentation, now make another payment. I have spoken to XXXX managers in the past week, they robotically repeat the same info to me, just fax your info again and check back in 24 hours. I have my fax confirmations, but nothing matters to them but protecting their own company. Tonight I am going to my local XXXX office to XXXX my documentation. The manager I spoke to insisted that I XXXX to their XXXX XXXX XXXX People do n't normally XXXX to a XXXX XXXX XXXX When I insisted on a physical address, the manager said, XXXX XXXX is the only place you can XXXX to. I found their physical address online and will XXXX to a physical address. I fear this will never get resolved and they will report me as late to the credit bureaus. They 100 % of the time, when I call to discuss this matter, remind me I am late on my payment and to please make another payment asap. Some of the rep 's have even cut me off from speaking to remind me of my " delinquent '' payment and how many days I am " past due '' ; which is infuriating when all I want is someone in this mysterious accounting dept to get on the phone with me and help me resolve this issue. As of today XXXX/XXXX/XXXX, the issue is still NOT solved. If you XXXX search Santander complaints, the web is riddled with them. How can they stay in business?
Consumer complaint received 2016-07-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Caliber Home Loans, Inc. (HI)

After I faxed in a " XXXX, '' and an " AFFIDAVIT OF SURVIVORSHIP with XXXX XXXX XXXX 's DEATH CERTIFICATE '' added as an EXHIBIT " A '', my true and lawful Attorney-in-Fact, FULFILLING THE LAW CENTER has been in contact with CALIBER HOME LOANS, INC., from Friday, XXXX XXXX, 2016 to Friday, XXXX XXXX, 2016 that I nor anyone else is responsible nor am I the surety for a debt that only XXXX XXXX XXXX signed and made a promise to pay.
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. (MA)

I am writing to formally dispute the inaccurate late payment information that has been reported on my credit report concerning my account with XXXX XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **High Balance : ** {$4000.00} - **Date of Last Activity : ** XX/XX/year> - **Account Status : ** Closed - **Payment Status : ** Late 90 Days XXXX. Inaccurate Reporting of Late Payment : ** I have identified a 90-day late payment listed on my account that is inaccurate. Under **15 U.S. Code 1681i ( a ) ( 1 ) ( A ) **, when the accuracy of any item of information contained in a consumers file is disputed, the consumer reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. This late payment is incorrect, and I request that it be deleted from my credit report. 

XXXX. Incomplete and Unverified Information : ** According to **15 U.S. Code 1681i ( a ) ( 1 ) ( C ) **, if during the 30-day period of reinvestigation, the information is found to be inaccurate or incomplete, or if the consumer reporting agency determines that the information can not be verified, the agency must delete the item from the file. In this case, the late payment information can not be verified as accurate. 

XXXX. Failure to Provide Timely Notice : ** Under **15 U.S. Code 1681i ( a ) ( 2 ) ( A ) **, the credit reporting agency is required to notify the furnisher of the disputed information within five business days. I have not been informed of any actions taken by the credit bureaus or the furnisher XXXX XXXX  XXXX XXXX ) to address the inaccuracies, which further demonstrates non-compliance with the FCRA. 

Requested Action I respectfully request the following actions be taken : XXXX. **Immediate Deletion of Inaccurate Late Payment Information** : Given that the reported late payment is inaccurate and unverifiable, it must be removed from my credit report. 

XXXX. **Correction of Account Status** : The account status should reflect accurate payment history without the incorrect late payment entries. 

XXXX. **Written Confirmation** : Please provide written confirmation that this dispute has been resolved and that the inaccurate information has been deleted from my credit report. 
Supporting Documentation I have attached relevant documents, including payment records, that support my claim and demonstrate that the reported late payment is incorrect. Please consider this as part of your reinvestigation process. 

I trust that you will conduct a thorough and timely investigation as required by law and correct these errors promptly. I appreciate your attention to this matter and look forward to receiving confirmation that my credit report has been corrected.
Consumer complaint received 2016-07-01
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (GA)

In XXXX Wachovia/WellsFargo placed a HELOC lien on property that they do not have a loan against. This is my investment property. They were contacted on XXXX/XXXX/XXXX regarding this and asked to resolve this asap since they refinancing was to be on XXXX/XXXX/XXXX. They have yet to correct this as of XXXX/XXXX/XXXX and today asked for 10 more days.
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Initiated a mortgage application on XXXX XXXX, 2016 With Bank of America. 
Learned there was a problem on XXXX XXXX. 
Was verbally denied on XXXX XXXX. 
Selling realtor complained and asked that my case be escalated on XXXX XXXX. I agreed. Told I would not be charged for the appraisal. 
XXXX XXXX was told by a manager that my case would be reviewed and I would have an answer by COB XXXX XXXX or morning of XXXX XXXX. No answer either day. On XX/XX/XXXX, I asked if my mortgage had been accepted or denied. Again, verbally denied, but nothing in writing. This has precluded me from pursuing a superior lender. Horrible experience that wasted my time. I should have been denied up front, not weeks into the process.
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have been working with my mortgage company for months trying to complete a short sale. The last buyer I had terminated the contract because she states my bank was taking too long to approve the short sale. I have a new buyer now and I submitted all the necessary documents and my bank kept delaying the process & giving me misinformation. They would tell me my short sale is still in review but have decisions made. They would also give me and my Realtor different information. 
They said they denied my short sale because they want the full payment they are owed. My house is worth less than what I owe and I thought the purpose of the short sale was for the bank to acknowledge that and write off some cost. They claim they are short {$450.00}. They are jeopardizing me to get a FORECLOSURE over {$450.00} I 'm totally baffled, disgusted and distressed ; this does not seem to be a legitimate reason to deny a short sale. I 'm sure there are many more cases like mine at this company. 
I do n't understand the reason behind the short sale if the bank was expecting full payment. The XXXX Program is nothing but false hope, a faade. This was a waste of my time, my realtor 's time, the buyer 's time & buyer 's realtor time. This bank has no due diligence, and I desperately need to know my options and request that someone look into this bank to make sure they are not conducting unethical or illegal business practices. Any information you can provide me will be greatly appreciated.