davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Concord Resolution Inc (Closed) (MA)

Company alleged that I owed $ XXXX+ on a payday loan, despite the fact I have never received a payday loan. 
They were extremely aggressive and hostile on the phone and threatened to take legal action. 
They never disclosed the " mini-miranda '' or that this call was to collect a debt. 
They also called daily, sometimes multiple times, leaving messages each time they called. 
When I asked to receive debt verification, they claimed that they had already mailed documents previously, but I never received any such documents. They refused to send me any documentation or verification and only got more hostile on the phone. 
Most distressing was that they had personal information including name, address, bank information, and social security number. 
This was most definitely a debt collection scam.
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hosto & Buchan, PLLC (AZ)

Have been trying to obtain verification of debt documentation since XXXX 2014. XXXX XXXX XXXX has not provided anything, neither has their attorney. It has been 9 months and this account si damaging my credit. There is no one to talk to regarding this debt.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

My goodness I have been through it with getting information on my Credit Report changed. Equifax, XXXX and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.
Consumer complaint received 2015-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NY)

The debt collector XXXX Resurgence Capital Services XXXX is attempting to collect on a debt that I do not own. They have also sent a letter with a statement that indicates the current account owner XXXX LVNV Funding LLC XXXX will not report the debt to any credit reporting agency. This is a false statement. I learned about this debt as a result of it being reported to a credit reporting agency. Also, the statute of limitations to collect on this debt has expired. This debt was supposedly acquired in 2008. I have not heard from this debt collection agency, or any other company regarding this debt until now. If this debt is valid, I would assume the debt collection would have begun a while ago.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a zero balance.
Consumer complaint received 2015-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

Our company had a business acct with suntrust bank. We were not supplied with any " rules and regulations '' documents only " Deposit Account Resoulution and Authorization for Business Entities ''. We made XXXX deposits totaling {$7600.00} and were told the money would be available the next day. They would not allow us to verify funds at the branch and we were told they do n't do that anymore. The next day my partner made a withdrawl of {$7400.00} to purchase equipment from the funds we recieved from the church. This was Grant Money. The next day I found out the bank had called the police for fraudulant activity on our account and the church account. According the the last paragraph in item ll on the first page of our account agreement they violated their own deposit agreement. All accounts were locked and the church and grant people tried to work with the bank to resolve the first XXXX checks. In the mean time my partner made another deposite of {$7500.00} from the church to cover the first checks and the bank promptly placed a hold on the check. I recieved notice that they were returning the check, then I got a notice that it had been paid. Then I got mail the next day that had the check copy with the notation " Account closed ''. The whole time the bank was told the funds were good and the grant people had no problem with paying these checks. Sun Trust took it upon themselves to close our accounts without even speaking with us or working with us and are calling this fraud which amounts to character assasination and defamation when we had no opportunity to get this worked out. There was no intent to defaud anyone and now we ca n't open accounts anywhere else and are being denied the opportunity to continue our business as banks look at our record and turn us away. I have sent letters saying account closed with no way to make a deposit if I wanted to to clear this up because we are " closed '' Where do we send the money for correct accounting. Our name has be defamed and they are charging fees for a problem they created from the start and now threaten legal action. The bank has taken this action without any regard to the consequences of the parties involved with no attempt to contact. I was told on a phone call with customer service that they do verify funds for business yet we were denied. The bank should be penalized for these actions and made to clear our names and company reputation. All fees should be waved and at this point we feel they should write off the balance for deceptive banking practices. I have attached documentation for our account. We have copies of the churches account and know that it was open at the time of the banks actions but are unable to attach these without their permission as they are pursuing action of their own. 
Regards
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was contacted by Capital One, stating that my credit card information had been compromised and that they would need to cancel my current card and issue another. I asked them where my data had been compromised and they are refusing to tell me. I feel that as a consumer I have a right to know so that I can make my own decisions as to what steps I might take personally to help protect my information. For example, if it was a vendor that I have autopay set up with, perhaps I 'd prefer to not place my card with that vendor again. It would be like the police know who took a joy ride in my car but they wo n't tell me who it was. It would appear that Capital One is protecting a major merchant, processor or themselves from embarrassment but not the consumer.
Consumer complaint received 2015-05-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

I have a XXXX mortgage with Green Tree Servicing. I have faithfully paid my loan on time for the last 10 years of a 15 year mortgage. My monthly mortgage payment on my account is $ XXXX.and some odd cents. For about the last 2 years I have been making small overpayments on the loan that I requested be credited to the principal on the loan and not the interest. The increase in payments was {$230.00} then I increased them to {$240.00}. I notice on XXXX/XXXX/2015 that Green Tree was doing just the opposite of what I had requested, they were crediting all overpayment to interest. Therefore they have been collecting more interest than is due monthly on the account. I called Green tree on XXXX/XXXX/2015 at approximately XXXX central time to correct this error. I was told that the error would be corrected by the young lady that I spoke with. On XXXX/XXXX/2015 I receive a letter from Green stating that my account is past due. I call again and spoke to a gentleman by the name of XXXX XXXX and I requested that this error be corrected. XXXX XXXX checked my account and noticed that I had not missed a payment and he assured me that the error would be corrected. Today on XXXX/XXXX/2015 I received a note from Green tree that I am now in default and I now have 30days to correct/pay this default balance of {$710.00} I have never missed a payment on this account and Green Tree has been misappropriating overpayment on this account for over 2 years.
Consumer complaint received 2015-10-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

Due to process of foreclosure over my property, Servicer bank to close foreclosure using Us Government HAMP program and changed my principal balance on XXXX XXXX 2014 from {$310000.00} ( Property principal ) to {$450000.00} ( Property value + monthly aggregated defaulted payments ). Yes, Ocwen is charging {$130000.00} as late fees and adding it to principal. Consider also that I 'm paying 43.65 % to recover my house after foreclosure and with the sponsorship of the US government. 
This behavior is against federal usury estatutes as well as to FL estatutes.
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (VA)

am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXX XXXXDelete all XXXX Special loan service, trade line for all XXXX credit bureaus and not report the short sale.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (PA)

I filed an complaint with XXXX XXXX XXXX on XX/XX/2015, I advised XXXX XXXX XXXX that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure XXXX XXXX XXXX are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise XXXX XXXX XXXX company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that XXXX XXXX XXXX are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If XXXX XXXX XXXX fail to respond in writing, signed by hand, in a timely manner, I will assume that XXXX XXXX XXXX are in error and this matter will be challenged. As XXXX XXXX XXXX further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and XXXX XXXX XXXX claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, XXXX XXXX XXXX have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Consumer complaint received 2015-10-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Delta Management Associates, Inc. (MD)

I found many inconsistencies in the alleged amount owed & the interest accrued with respect to this account. I was forced to send a XXXX request to XXXX XXXX which was received by its agents or representatives XXXX in XXXX, NH at XXXX. XXXX XXXX failed to reply and through acquiescence agreed to all terms and conditions in the attached Affidavit of Fact, Verification/Proof of Claim Document. XXXX XXXX transferred the alleged debt to Delta Management Associates who are now claiming an alleged debt subject to the provisions of the FDCPA in regards to the attempted collection of an alleged debt owed. XXXX See : XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX. New York, XX/XX/XXXX, and XXXX v. XXXX, XXXX. XXXX. XXXX, XXXX XXXX. Illinois, XXXX. XXXX, XX/XX/XXXX I have not applied for, neither received any services or credit with either party. I also have no account and/or contract with XXXX XXXX or Delta Management Associates, nor do I wish to contract. Neither party has a bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX s ) and or Representative XXXX s ) are frivolous. Neither party has provided ( 1 ) authenticating proof from the Secured Party Creditor that they are authorized to collect the alleged debt on their behalf ; ( 2 ) nor is either party in possession of the security granting them the rights to interest in the collateral per Article XXXX of the XXXX. XXXX XXXX a ) ( XXXX ) [ XXXX ] ; ( XXXX ) in addition XXXX parties are making multiple enforcement claims on the same note.
Consumer complaint received 2015-10-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (MI)

My RushCard Acct. notified people that they were makingchanges to their System- Which has been harder to understandMy Prepaid Visa Rushcard- has notified Account holders thatthey were making changes to their Online System. It has madeeverything much more difficult to understand and access theAccount- AND I can not figure out what happened to a pendingCharge that was not added back in- after being deducted out? 
PLUS- MY CHECK HAS NOT BEEN DEPOSITED YET INTOMY ACCOUNT? WHICH IS DUE TO BE IN MY ACCOUNT? 
IT IS USUALLY IN THERE BY NOW, AND I AM WONDERINGWHAT HAS HAPPENED AND WHEN IT WILL BE IN THERE? IDO NOT LIKE THEIR " NEW '' SYSTEM and the CHANGES thathave been MADE to the READ-OUT ONLINE -it is much harderto Read and understand it now!
Consumer complaint received 2015-10-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capio Partners, LLC (TX)

XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; was disputed with another collection company by the name Capio Partners for {$360.00} ) on XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the GM that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!!
Consumer complaint received 2015-08-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage Services LLC sent a letter dtd XXXX XXXX 2015 advising that it did not receive our XXXX XXXX mortgage payment. I sent a fax that included printouts from my XXXX XXXX Bank account showing that the check was mailed for delivery by XXXX XXXX 2015 and cashed on XXXX XXXX 2015. Today I requested from XXXX XXXX Bank physical evidence that the check was cashed. I received a letter today from Carrington advising that they did not act on my fax of XXXX XXXX 2015 because I had not signed it. Never mind that it contained printouts from my bank account proving my identity and the error was theirs not mine. Today, I received a XXXX delinquency notice and a threat that I will be foreclosed and could lose our home if they do not have this supposedly missing payment by XXXX XXXX 2015. We recently went through a year of hell because XXXX sold our XXXX mortgage to those parasites at XXXX. Now XXXX sold my VA loan to this Carrington crowd which so far looks a lot like XXXX from where I 'm sitting.
Consumer complaint received 2015-08-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (IL)

I was sent a forebarance notice that I could add to my student loans. The company is saying I am ineligble, yet the paper THEY SENT ME says I am eligible. I am mad that I was sent XXXX copies and they wo n't admit they are wrong.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

i'am filing a complaint against Experian Credit Reporting Agency , they have ignored my request to provide me with the documents that their company has on file that was used to verify these accounts. under SECTION 611 ( 5 ) ( A ) of the FCRA -- they required to ''prompty delete all information which can not be verified '' that i have disputed. Please resolve this manner as soon as possible. THANK YOU SO MUCH ....
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Data Corporation (NC)

Said TRS Recovery evidently declined my personal check at XXXX under an assertion that I have an outstanding unpaid debt. I have no returned checks to XXXX or elsewhere. When calling XXXX as directed by XXXX to obtain full disclosure of the purported debt under my information, I receive only a reference number of XXXX. I follow the prompts to speak with a rep, and each time I 've called I hold for more than 45 minutes before being disconnected without ever reaching a rep. Their prompts suggest that I can write to inquire about the debt but the information they require to release full disclosure is something that must be verified through an agent ... So it 's essentially a catch 22. I know by law that they are enjoined to provide full disclosure. Arbitrarily declining my 'business ' without justifiable reasons is against federal fair business practices.
Consumer complaint received 2015-10-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

this is a Home Equity loan taken out in XX/XX/XXXX the lender is Chase Bank. I have other major issues with the primary loan ( handling separately ) I also have, but this complaint is for this one ( Equity Loan line of credit ). My due date on this loan is the XXXX of each month. First let me explain when I took out this loan in XX/XX/XXXX the person signing me up ( no attorney or consumer rights acknowledged ) the only question that I had to answer to a bank employee at my home was if he thought my home was worth the value of the loan also NO questions about my monthly living expenses, he at the bank where i signed explained that after the first 10 yrs the interest will paid then the payment will go down to " only '' payments on the actual principal. Over the past 3-4 yrs I have had an enormous financial decrease in income and started paying attention to my finances with special note on my debts. Not only has this loan after speaking to multiple Chase Bank employees been discovered to total out at 75 % interest if I continue making only interest payments ( lower monthly payment ) but I was told that I was expected also, to not only continue paying interest payments, but now also in addition now to make principal payments ( XXXX monthly payments amount ). I have already paid as per Chase Banks own records XXXX in interest the past 10+ yrs, but continuing to pay only the interest by the end of the term another 20 yrs, will total another XXXX plus the full XXXX principal. This totals XXXX on a XXXX loan which by my math is 75 % interest ( XXXX ) then the balloon of XXXX. The total for this loan if go to full term is XXXX XXXX XXXX for a XXXX equity line of credit loan. Now since fighting with Chase on my primary loan, I am noticing that they are attempting what I will call Fraud on this loan. On the XX/XX/XXXX I sent in the payment ( see attached ) and it was received on the XXXX. I called my bank on the XXXX and spoke to XXXX '' ( rep ) she stated that they did not receive it and it is expected, I said to her " NO I sent it on the XXXX ''. She gave me provisional credit ( as she called it on the XXXX ) Case # XXXX. It finally showed up at my bank on the XXXX ( day after due date ) Then I later received a letter stating they recorded it and made the " adjustment '' on the XXXX, the SAME day I sent it to them!!. I am declaring that Chase Bank is trying to cause me a fraud situation and trying to put me in financial harms way due to my upcoming court case with my primary loan that is a predator loan. Please see all attached!!!