davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RS Clark and Associates, Inc. (TX)

My wallet was stolen while at the airport XX/XX/XXXX. My credit cards, checks, drivers license, state and Military ID, debit card and social security card was taken. All items were reported stolen and the necessary agency 's were contacted. XX/XX/XXXX I was reviewing my credit report online and found accounts that were open in my name, inquiries and charged off accounts. I contacted the Credit bureaus and had a freeze put on my account and started contacting the creditors. I filed a police report and contacted the Federal Trade commission. I completed an Identity theft affidavit for the accounts and inquiries that were on my report. I sent to each credit bureau a copy of the police report and the affadavit from the FTC disputing the accounts that I had no knowledge of and did not authorize. I have been disputing inquires and accounts for 2 years. RS Clark and Associates was faxed and sent in the mail a copy of the police report. I spoke with XXXX XXXX at RS XXXX and Associates who stated she was the manager and to fax the police report to her attention and it would be removed it was sent XX/XX/XXXX ( see fax confirmation that it was sent and received at their fax number XXXX ) and it still has not been removed from XXXX. XXXX is still reporting this on my credit report stating this company is not accepting my police report and is validating using my current address and not the address of the debt. I have sent proof that I did not live at this apartment complex that was rented in my name by providing my license and proof of residence from the electric company several times. I have lived at XXXX different addresses since this was disputed and this company is fraudulently validating each time using whatever my current address is.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I would like your help on getting EXPERIAN to do what they are required to due in a matter of Identity Theft. EXPERIAN has been ignoring my notice of fraud on XXXX student loan accounts even though I sent them documentation of the court case and successful prosecution against the person who committed fraud against me and the XXXX and XXXX student loan companies. 

Not only did I not sign any loan agreements, or have knowledge that my name was put on the loan documents but the prosecutor also got a hold harmless document included to protect me in regards to this matter. 

I want these accounts removed from reporting on my credit report and a block placed on these accounts. 

Attached are copies of the court papers with sentence, the hold harmless ( specifically pages XXXX through XXXX ), XXXX of a number of letters sent to EXPERIAN disputing the Identity theft XXXX pages of the EXPERIAN credit report The latest refusal by EXPERIAN to block the identity theft and their decision to ignore me and the facts. 
Total of XXXX pages Note : part XXXX of docs are pages out of sequence but numbered ...
Consumer complaint received 2015-11-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I was notified by my Carrington Mortgage that my flood insurance policy had been canceled or expired on XX/XX/XXXX15. Since I live in a condo and our building was never required to have flood insurance, this was news to me. Still I scanned the letter and emailed it to our association manager for him to check into it. Apparently we are now required to have flood insurance. The manager scheduled surveys and worked with our insurance agent to get this done. I received a XXXX letter that stated that, if they did n't get a policy declarations page faxed to them in 20 days, Carrington would purchase flood insurance for me and bill it through my escrow. I spoke to XXXX agent at CMS with no satisfaction ... she only repeatedly told me that they would be purchasing flood insurance for me XX/XX/XXXX. Shortly after, I received, from our association 's manager, a copy of the flood insurance premium payment made XX/XX/XXXX with a 30-day waiting period for coverage to start. XX/XX/XXXX 2015, I wrote a letter ( attached ) and faxed it to the fax number for the policy declarations explaining all of this. I also asked for an email response and have yet to receive it. Today, after I saw in my online account that they had force placed flood insurance on my mortgage, I called the insurance department of Carrington Mortgage. I was told that they could not accept the copy of the premium payment and that nothing short of the policy declarations page could remove the policy they supposedly purchased. Although I had until today, XX/XX/XXXX to provide that proof, they placed the coverage on my loan XX/XX/XXXX and backdated it for the coverage to start on XXXX XXXX, 2015, the supposed date that my nonexistent last flood policy was canceled or expired. I 'm sure that Carrington Mortgage is going to attempt to charge me for several months of flood insurance even though a ) there was no policy in place until XXXX and b ) I, our association manager, and our insurance operated in good faith from the date of receipt of the first letter to secure flood insurance for our condominiums. I am not individually responsible for flood insurance for the condo building and we did everything in our power to get this done. I fear, based on my reading of many, many complaints about Carrington, that they are using this method as a way to increase fees to the business and defraud its clients.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AL)

I recently sent a dispute in for some items to Experian and the information came back verified. I requested the method of verification that they used in order to verify the information and instead of giving me that information, they initiated another reinvestigation. I sent yet another letter requesting the method of verification and made sure I noted that I did not want a reinvestigation or a general outline of how the items were verified, I wanted specific information. While waiting for the method of verification response, I sent XXXX the collection agencies a request for validation. Experian still initiated an additional reinvestigation instead of following through with my request for the method of verification. They sent back the results stating that the items that I disputed were updated, remaining, or processed. I warned them during my last request for a method of verification that I would be filing a complaint if this request is not fulfilled and they have not.
Consumer complaint received 2015-11-04
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (CT)

I was paid on XXXX XXXX, 2015 {$1700.00} and have not been able to have access to my money. Rush Card keeps telling people that they are going through a system update, but it is going to be a month. This was my only source of income to be able to pay my bills, feed my XXXX year old and XXXX month old. I struggle day to day trying to make ends meet. I call them everyday and all I get is the same XXXX response. I just want my money that I worked so hard for back.please help me. Thank you
Consumer complaint received 2015-11-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington bank is doing it again. 
They are using deceptive tactics and gaming the system also Reordering and rearranging purchases to collect overcharge fees from customersWhen ever you file a dispute, your dispute is in the trash bin and wont be approved in your favor, actually they will get the money back from the merchant but they will not let you have your money back, dont know if these guys are at all doing their job or just ripping off peopleI GOTCH YOU type of thingthe customer service stuff is horrible and their managers sitting all day long doing nothing than telling their stuff to say sorry or no to customers.
Consumer complaint received 2015-11-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XXXX was servicing my mortgage and sold it to Carrington Mortgage Services. I was double charged on my first auto draft payment to them ( permission provided from XXXX ) and when speaking with the representative on the phone, acknowledged the charges but said there is no way to reach the department or anybody that can fix these issues other than through fax or hand written request and a delay of 3-15 business days upon receipt and verified proof of double payments posting. On top of this, I suggested skipping a payment the following month to avoid the hassle and was told that the next month 's payment would still be taken from me and I would be ahead of the payment cycle until the loan is paid in full. 26 years later. The double payment that was taken did not post the second amount to the principal balance and instead still applied both as full regular payments. To take double the payment when not allowing for a payment in excess of the amount due is one problem, and then not being able to easily refund the stolen funds is certainly another. Any assistance you can provide would be greatly appreciated. Thank you.
Consumer complaint received 2015-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Red Cedar Associates LLC (AZ)

I got a phone call to my number from a lady and she left a voicemail. I was told that my name and social security number was placed on her desk and a claim was filed against me and that I needed to go to her office and sign some paperwork. She never told me what company she worked for or anything. I called the number and XXXX XXXX ext : XXXX picked up the phone I gave him all my information and he told me that he was from Red Cedar Associated and that someone was trying to sue me for money owed and that I needed to pay it up from and I could n't make any payments. If I did n't pay him up front then they will file a judgement against me. I told him to send me a bill and he said he will send a notice statement to my email address. I asked him if he had anything from the original loaner, and he said no just that it came from XXXX in Arizona. I said fine just email me what you have. He told me that once I reviewed the email to call as soon as possible because they this is very urgent and I could be in big trouble. So once I got the paper in the email I looked it over and gave him a call back. A man by the name of XXXX XXXX Ext : XXXX answered the phone, I asked to speak with XXXX XXXX he said he was unavailable but he could help me. I told him if I could make a payment plan to pay and he kept telling me no that I would have to pay the whole amount. I told him I wanted to send payment using a cashiers check and he told me no they would not accept it due to the severity of the loan. So I went on their website and t states that they accept money orders, money grams, debt, credit and checks by mail and over the phone. I told him this then he told me to hold. He placed XXXX XXXX on the phone, XXXX XXXX started to bully me and told me I had to use a debit, credit or prepaid card and nothing else. I told him I needed to track my payment. He then told me he needed to get his director on the phone. Then placed XXXX XXXX on. I asked for their director and XXXX XXXX said he was the director. I told them I need to be able to make payments in small sums every week using a cashiers check. He told me no I ca n't do that and if I sent a cashiers check that they would just send it back to me. Then my spouse got on the phone and told him the same thing I was saying then said I was pregnant and can not pay a large sum and I had to use a cashier check to track my payment. Then placed me back in the phone. XXXX XXXX then told me not to worry that I can send a cashiers check for any amount. I asked if they sent invoices letting me know they received payment he told me no just call over the phone.
Consumer complaint received 2015-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (TX)

Just saw a XXXX charge on collections on my credit score have not been with them since a long time did not owe them anything. I paid everything before I left now its showing a {$240.00} charge. 
I have not received any letters
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Account Nbr : XXXX has been and is being reported on my credit incorrectly and needs to be deleted in accordance with the FCRA Section 15 USC 1681. I am a natural person, I am a living human being with rights under such law which governs credit reporting.

According to 15 USC 1681, I have the right to privacy and give neither XXXX, XXXX nor XXXX to report the above account with the various discrepancies affecting me as a human being. 

In accordance To 15 USC 1681 s-2 A person or company shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if_____ ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is in fact, inaccurate. 

I can go on and on and on ......
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I opened a secured credit card with a limit of XXXX XXXX dollars. After a year or so, i decided to close that card, why pay interest to the bank for my money. This action happened to impact my credit negatively. No one informed me that this would impact my credit negatively and i do not understand how credit reporting companies can just look at information at face value and determine it requires a negative value. That practice is not aligned with core values and principles of lending. I did nothing wrong but i am punished for years as a result of this. Please take a moment and advise me on how to resolve my issue and what can i do to stop this practice that i will call an intentional oversight for lack of a proper term. Im sure this issue is XXXX, that XXXX americans experience everyday. 
Thank you in advance for your time and help. 
XXXX XXXX XXXX XXXX. XXXX, MD XXXX
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC (MI)

Contacted my place of employment Spoke with my supervisor XXXX who asked them not to call again and called back and spoke with my coworker and discussed by account and how they are pursuing legal action, they have my contact information and still are calling third parties including my job, my grandfather and auntie and discussing my debt with them, When i contacted the company they then told me that he told them i was not paying th edebt when thats not what i said,
Consumer complaint received 2015-11-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Machol & Johannes, LLC (CO)

For approximately the last year, the law firm of Machol & Johannes , LLC has been repeatedly contacting myself and my parents in an attempt to collect a debt that I do not recognize. Per the office, their client obtained a judgment against me in 2010 ; however, neither myself nor anyone at my place of residence was ever served with any paperwork to notify me that I needed to appear in court. 

Each time the law firm calls, I ask them what the debt is for. On several occasions they have stated it was a credit card for several XXXX dollars. I have never had a credit card with a limit higher than {$1000.00}, if I remember correctly the highest limit I have ever had is {$750.00}. 

I offered to discuss payment options if the firm provided me proof of service and verification of debt. I have requested XXXX these items multiple times and the woman I speak with, XXXX XXXX, refuses to provide me any additional information. She has raised her voice at me, hung up on me during our conversations, and not returned my calls when I request additional information. 

If this is a debt that I do owe I am willing to attempt to make payment arrangements ; however, I am not going to blindly send in money to a law firm without any documentation evidencing where the original debt was originated, details of the dollar amount that I owe, and proof that I was served paperwork and given the opportunity to appear in court as I was never made aware that there was the possibility of a judgment being entered against me.
Consumer complaint received 2015-11-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (TX)

I submitted a complaint in XXXX regarding my student loans with Wells Fargo Bank. Per their response from the office of Research and Remediation Analyst, I contacted the law firm of XXXX XXXX XXXX XXXX in XXXX, TX. I was told by the law firm to pay over {$1000.00} a month and I explained to them that I ca n't afford it because I have other student loans and bills. Moreover, it is no that I do n't want to pay but my income at the end of the month ca n't meet the said amount. The law firm requested for my two month pay stub, tax returns and a letter which I submitted. I was told to call after two business days. When I called the law firm, I was told to pay {$700.00} for one year, {$1000.00} the second year and {$1500.00} for the subsequent years. I explained once again that it is not that I do n't want to pay but my resources can not meet that payment plan. Unfortunately, I was told to pay with my husband assistance but I mentioned to them that my husband is currently still in school and besides that, he has his own student loans that he is struggling with. 
I have tried several times to contact XXXX XXXX on phone per the response I received but no answer or return call to the messages I left. The law firm has informed me that Wells Fargo has filed a law suit against me and if I ca n't pay what they are demanding from me, they will proceed with the court case. 
Please, permit me to mention that I 'm prepared and willing to pay any reasonable amount in consideration to my expenses which will be between $ XXXX $ XXXX request and appeal is to reduce the {$700.00} to reasonable payment plan that I will be committed. Thank you once again for your assistance in this matter.
Consumer complaint received 2015-11-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: McCullough Payne & Haan, LLC (AL)

XXXX XXXX and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

We have been dealing with RCS for the past year to complete a short sale. We did have an open Bankruptcy XX/XX/XXXX due to financial hardship and to help us with XXXX selling our property. In XX/XX/XXXX RCS files a motion to release property from the Bankruptcy. According to them it was released, but we were never notified. In XX/XX/XXXX with had submitted a strong buyer qualified to close on the purchase of XXXX XXXX XXXX in XXXX XXXX California. RCS Bank order the appraisal and reviewed the offer. On XX/XX/XXXX RCS counter offer at $ XXXX. We then submitted the buyers counter at $ XXXX after we had his inspections done. RCS requested more financial documents from us plus a payoff from XXXX XXXX Bank which took 2 weeks to get. All the info was sent a few weeks later. However on XX/XX/XXXX RCS canceled the Short Sale and put it up for auction to foreclose XX/XX/XXXX. All we need is a few weeks for RCS to allow them to finalize the approval of this short sale. However they said they need 37 days to review an offer prior to sale date. We tried to speak with supervisor and we were told they were busy and there is nothing we can do. I always try to be positive and do the right thing. We do NOT want this to go to foreclosure and we are asking RCS to conduct their final review of the short sale since we were at the end of the approval process. Thank you for your time.
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: VIRTUOSO SOURCING GROUP, LLC. (TX)

i have not received notice of my right to dispute this debt. However this account is showing on all XXXX of my credit reports. Please look into this and i am willing to testify against this company for all violations of law
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP (OH)

I had a credit card payment due on Sunday. The following Monday was a Federal Holiday and the Branch where I make my payments was closed. I made the payment on Tuesday. I was charged a late payment charge and interest on my next statement. I called the Bank 's Credit Card Processing Services and they said they would credit the late payment charge as a courtesy but would not credit the interest charge. The supervisor told me I should have made the payment on the Saturday prior to the due date. Are the late charges and interest proper on the banks behalf?
Consumer complaint received 2015-11-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: 1st Franklin Financial Corporation (TX)

I have a loan with First Franklin Bank in XXXX Ga that I have paid a XXXX a month. I have been to the bank on several accounts and have been told they are now using a new system to update credit reports but is having issues with the system. My report has not changed in over a year and I pay every month on time. I am XXXX military and the bank receives a payment on the XXXX and XXXX of each month. I have went to the bank and spoken with the branch manager and she has told me that the only thing she can do is forward it up to home office. I contacted the credit company in XXXX 2015 the issue was not fixed. My credit report is reflecting a balance of XXXX when I only owe XXXX