davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : 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 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 2016-09-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I received correspondence today XXXX/XXXX/2016 from Carrington Mortgage in the name of my ex-wife only. Please see attached correspondence addressed to my ex-wife labeled " Carrington Mortgage 1 ''. When I called Carrington Customer Service at XXXX XXXX XXXX XXXX to request that correspondence be mailed to me as the primary account holder, I was advised by the telephone service representative to re-finance my mortgage! I simply wanted to have correspondence addressed correctly to me. When I stated my request again, the telephone service representative spoke with the " senior specialist '' XXXX in the Indiana branch ; XXXX ID number was XXXX. The telephone service representative advised me that XXXX advised her of the same thing : for me to re-finance my mortgage! This telephone conversation occurred on XXXX/XXXX/2016. My XXXX mortgages with Carrington Mortgage were recently sold to Carrington Mortgage by XXXX XXXX XXXX, and in the approximately 10+ years that my mortgages were at XXXX XXXX XXXX , I never once received correspondence from XXXX XXXX XXXX XXXX my ex-wife 's name. I am writing this complaint to demand that Carrington Mortgage properly and legally address correspondence for my XXXX Carrington Mortgages to me as the primary account holder or be addressed in both my name as my ex-wife 's name as was done in recent correspondence by Carrington Mortgage. Please see attached document labeled " Carrington Mortgage XXXX ''. It came as a shock for my wife to see correspondence addressed to my ex-wife at my home address ; also for legal notification purposes, as the primary account holder, my name should be addressed on all correspondence from Carrington Mortgage.
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

XXXX. I moved to an apt complex that did not allow dish on the roofs of building and my apt faced the wrong direction for the dish to work on the patio. XXXX could not furnish the TV service. therefore not my fault. They broke the contract by not being able to provide the service. My bill was paid in full til this happened
Consumer complaint received 2016-08-15
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CA)

Between the dates of XX/XX/XXXX and XX/XX/XXXX I used my Paypal account to pay for XXXX XXXX rides. I have used paypal for about 15 years now and know very well. I set it up so that my payments will always come from my PayPal credit account unless I choose to change it. However, XXXX and Paypal have started a partnership. Some how this partship gave Paypal the right to choose which credit card or bank I use to pay for XXXX without any notice which cause my account to overdraft. They do n't seem to care much, but it affects me and a lot of other people. Without notice they decided to take my money from wherever they please and had no remorse for the damage it costs. I never received any letter regarding this changes, and from what the manager told me, they did not both to let anyone know. Had I had any inkling that they are invading our wallets without asking, I would have chose a different credit card, but no information was ever given.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

To whom this may concern, This is a follow-up to my previous letter sent to Equifax on XX/XX/2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to Civil Code Section 1785.20-1785.22, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate. 

Sincerely Yours,
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I received a notice of unpaid tolls and charges from XXXX. The fees are from XXXX XXXX - XXXX XXXX, XXXX. The date of notice is XXXX XXXX, XXXX from XXXX. I have toll tags with XXXX. I will now have to research this payment that I already made and or was double charged to me through my tolltags. This is the first I know of this charge. It had been over
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

My mortgage servicer, Seterus, Inc has not been able to explain material mis-calculations on my pay-off statement. Most recently, it refused me access to my account information such us the form XXXX. A representative of Seterus ( XXXX ) refused to talk to me and asked me to communicate to my lawyer when there has always been an authorization on file for me to speak with the representatives directly. I asked for the manager ( XXXX ) who XXXX also refused. Seterus, Inc has had a long track record of making errors, for example, my loan modification process was delayed by more than six months because of its internal process error. When I questioned the manager, he threatened me with not giving me the modification. This is a very bad loan servicer who does not care about the XXXX of money they are entrusted by the home owners. Seterus, Inc can easily cost a homeowner XXXX of dollars if it is not watched very carefully.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department '' ( please see attached Credit Report excerpt ).
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

on XXXX XXXX, 2016 I called the credit bureau and they would not removed the information that is not correct. I try to do the transaction online, but they keep telling me to call.I explain that the information was wrong and that some name and address was not accurate.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I am unable to access my credit report because the information I have entered to receive my credit report does not match the information that the credit bureau has for my reported information. I know for sure that my information is correct because I have only ever had one address, and I have my social security card and driver 's license in front of me. I have no debt, assets, have never taken out a loan and have never gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been the victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access my credit report.
Consumer complaint received 2016-09-28
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: SOUTHWEST FUNDING, LP (TN)

Good Morning. 
My name is XXXX XXXX. I am writing this letter on behalf of my wife, XXXX XXXX and me. 
PROBLEM : We are filing a complaint against Southwest Funding due to unethical lending practices. Southwest Funding in XXXX, TN provided us with a Pre-Approval Letter for the Buyer of our home and assured us the Buyer could close in less than 30 days. It took over three months to close due to Borrower having credit issues that were not disclosed to us. In addition, we had to sign XXXX extensions for this Borrower and lost the contract on the home my wife and I were purchasing. I am attaching a formal letter of complaint because I have been living in a hotel for over six weeks due to the Swiss Cheese Letter of Approval provided by Southwest Funding. Manger of Southwest Funding is XXXX XXXX 

My cell is XXXX and my email address is XXXXXXXXXXXX ( Please do not post my cell phone or em address on a public forum.
Consumer complaint received 2016-09-28
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Enterprise Systems, Inc. (NE)

Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is XXXX XXXX XXXX, XXXX of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2016 XXXX Fl XXXX TransUnion LLC Consumer Dispute Center XXXX, PA XXXX First Credit Account Number Num : XXXX Balance {$1400.00} Dear Sir or Madam, I am writing in regards XXXX XXXX account on my credit report. On XX/XX/2016 and XX/XX/2016 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
As of today XX/XX/2016 I have not yet received any correspondence from Trans union regarding this account. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2016-05-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My account was closed after a check for {$100.00} did not clear. It was not presented a second time. When an attempt was made to take care of the overdraft using a second account ( business account ) at the same bank, I was informed they were closed. I had also received a letter from the bank telling me to not do anything further on the accounts. At which time I did not. On XXXX/XXXX/13 Fifth Third bank recklessly reported " suspected fraud '' but gave me no indication this would be taking place. I was previously working with the rep " XXXX '' in their fraud department who asked for a copy of the letter stating not to take any actions on the accounts in question. This document was supplied and I have had no contact with Fifth Third or it 's representitives since then and the remark is still listed.
Consumer complaint received 2016-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (NC)

XX/XX/XXXX, XXXX sent a package to my XXXX NC home, and it was immediately returned. I never purchased anything from XXXX, nor did I ever attempt to open any account with XXXX. I am a XXXX, so when I came home for break, I seen that I had a collection letter from XXXX dated XX/XX/XXXX, stating that I owe {$810.00} for an unauthorized account. I honestly do not know what is going on and why I am receiving this notice.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: National Credit Systems,Inc. (TX)

I would like the company to honor what I was told about a year ago XXXX,2016 I paid a debt and was specificity that as of XXXX 2016 it would be removed of my credit report here a year later! They are saying that it was only going to be placed on my credit report as settled. Even though i have reached out to them and explain what I was told I would like their phone records pulled because they refuse to honor what another employee as told me. 
I feel like this is hendering the process to have to plea my case to others when they can not stand behind what was told to me! I have note of the date paid and what I was told. Thank you for your help in timely manner. XXXX
Consumer complaint received 2016-09-25
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

Wellsfargo refuses to discharge it 's debt to the legal owner of that debt. Because they refuse to recognize the legal holder of that debt as the legal holder of that debt. 

I have a check given to me by my employer cut on wellsfargo paper properly filled out, even tho I have multiple forms of state ID even an armed guards license even tho my employer even called ahead and told em I was coming. I have no reason or want to own a credit card or debit card I refuse to have any direct business with any bank, I have no reason or want to travel outside of this country I do not need a passport. 

And even tho I have enough ID on me to prove OUT OF HAND to a judge in court or a COP ON THE STREET. 

I ACCORDING TO WELLSFARGO DO NOT HAVE ENOUGH ID TO GET MONEY THEY OWE ME. 

They told me to go to a check cashing service. 

XXXX WELLSFARGO THIS IS YOUR XXXX CHECK WHERE THE XXXX ELSE AM I SUPPOSED TO GO WITH YOUR CHECK? 

And WHEN THE XXXX DID CORPORATE PLASTIC BECOME ID? 

I can not open a XXXX bank account with a credit or debit card can I? Who the XXXX is wellsfargo to step in to the XXXX territory of local state and federal government by trying to pass thier XXXX corporate plastic like it is as good as a federal passport. XXXX.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I opened a checking account in fifth third bank with a bonus offer of XXXX dollars. I finished all requirements to get the bonus but I did n't obtain the bonus because of XXXX occurrence of overdraft of my account. However, the reason why it happened is not my fault at all. The banker failed to code me as a student in the system, as they said, so that I was charged monthly fee at that time and the negative balance shown on my account. Then they regarded me as a bad account and refused to give me the bonus. The weird thing is that, for the first month I opened my account, the monthly fee was not charged on my account because they successfully coded me as a student. When I finished everything they required to get the bonus after the first month I opened my account, I was charged that mostly fee so that I was not qualified to get the bonus. What a trick! I should get that XXXX dollars bonus. All information can be obtained from my statements. You can also find the reversed monthly fee which means they gave me monthly fee back after I asked them. What they said to me about the bonus is that even though I was qualified and this was not my fault, they could not change anything in their system regard to this.
Consumer complaint received 2016-06-12
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I am excercising Power of Attorney over joint assets, because JP Morgan has engaged in the elder abuse of XXXX XXXX and XXXX XXXX. When XXXX XXXX and XXXX XXXX attempted to use their money from account XXXX, a joint account with my name on it, they were denied access to their money. They could not access funds to pay an exterminator for maintenance services of real estate property. There is a specific company set up to manage real estate property and assets, XXXX XXXX My company, XXXX XXXX is helping with the real estate law management of this situation. JP Morgan has repeatedly spat in my face and abused elderly people in my family. They have repeatedly committed acts of fraud and taken over {$200000.00} in cash assets and real estate assets from me. They have also given XXXX XXXX, and other questionable individuals access to money from my bank accounts when they did not have any legal right to. I would say that the people running JP Morgan have some severe mental issues. If I am given a difficult time while exercising power of attorney over joint assets, I am going to have my elder law attorney file papers in surrogate court. JP Morgan is under investigation by XXXX for participating in this type of abuse. I already have been to the correct court and I have obtained a judge 's order against certain abusive third parties. If the XXXX continues, I am going to begin to file motions against JP Morgan.
Consumer complaint received 2017-03-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GRANITE STATE MANAGEMENT & RESOURCES (NH)

After my federal school loans went into default, I was sold by a collection company on a " rehab '' program that would remove defaults and negative information. I was mislead severely, as GSMR had me in several " groups '' with multiple loans, and in one of those groups was a private loan. I had no idea this loan was n't included in my rehab and of course no one mentioned anything. Well 15 months later my private loan was charged off and I only found out because I was denied a mortgage. So I called gsmr and they are n't even reporting the positive payments to XXXX, they have so many redundancies in my credit reporting that it is sickening. They are destroying my life. I have disputed every account over the past 9 months and they fail to update the info and the CB 's do nothing. They wo n't even let me into a payment plan on the charged off loan, they said I ca n't consolidate my REHABED loans because one is subsidized and the other is n't. This is causing my installment balance to be twice the loan amount because of forbearance!!! I am pretty sure they are re-aging my debt as well on the private loan. They ca n't show me the payment that was last made.