davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

My credit score dropped 57 points in three months so i investgated this and found that the collection agency did not do the homework .They are saying i owe XXXX {$87.00} and i called XXXX and they said sir all you past accounts with us were paid in full and you owe nothing to XXXX.So i called the collection agency and the girl told me they do not have my social security number on the account that is owed.So i ask XXXX XXXX the collection agency supperviser how this happened and she said she did not know, I asked her to get my credit score back to were it was before the falsely acused of owing XXXX money it is someone elses social security that they are looking for not mine.The collection agency is ( SouthWest Credit Systems ) ( XXXX ) XXXX.Ask for XXXX XXXX
Consumer complaint received 2018-06-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Hello Digit, LLC (FL)

Last year, This whole year from XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX. I have been fighting with them so long. Their platform all of sudden wasnt working with my my bank verified. I had money in it. Im not sure when I continue to closed. I still was getting these fees. They go back to XXXX. Im tired
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (NY)

Receive multiple calls from the number. Receive both automated messages and scripted messages with a human when I don't pick up. Receive calls after asking them not to call since they were unable to actually confirm the debt when I did pick up once. Received calls from other XXXX phone numbers that are similar, each with the same tactics of leaving threatening voice mails that are either automated or scripted humans.
Consumer complaint received 2018-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I believe that the HSBC bank is needlessly engaging in conduct that enables identity theft. I have not to my knowledge been victim of any fraud yet, but I feel I need to escalate this, since it is my impression that a large number of customers could be exposed through this leak. 

The issue is this : HSBC asked me for my mother 's maiden name, and SSN upon opening my account, and asks for them when I call them on the phone, all of which is of course customary. However, what I discovered is that having logged in on their online banking website, the browser shows me my mother 's maiden name, and the last four digits of my social security number ( on the " Apply for Credit Line ''  subpage ). There is no reason for the website to show that information to me, on the contrary, if a hacker manages to get a key-loger on my computer, to lift my login and password, they would be able to leverage the HSBC leaking my last four of SSN and mother 's maiden name to be able to impersonate me on phone calls to HSBC or other banks. 

I am not familiar with the law, but I would expect it to state that one can not propagate personal information of customers except if there is good ( business ) cause, of which there is none here. Also, I would expect that banks are under obligation to make a good faith effort to verify my identity, if they get a phone call from me asking to make a wire transfer, but I can not see how HSBC can claim that asking for my mother 's maiden name satisfies that obligation, when their website leaks that piece of information to anyone with a keylogger. 

I have pointed this out to HSBC representatives in no uncertain terms, but the response I got was that they would " pass on '' the information to their web development team, without acknowledging the seriousness of the situation.
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc (AL)

This is my third time filing a complaint against AD Astra Recovery Services. The last two complaints they state they are not calling and harassing me and that is a lie cause the calls keep on continuing. I have already spoke to a family member who is a paralegal today about their abusive collection tactics and she said they may say they are not the ones calling and making threats doesn't mean they didn't go outside of there company and hire a third party to do their dirty work for them. She states its a scare tactic that most collection agencies use and doesn't keep any records of the calls on their side and most companies that use third parties has been proven guilty of this in the past. The calls are being made from a unavailable number and is a middle eastern man and women calling me, my family and my job and I've demanded them to stop calling my place of employment. They don't keep anything confidential and telling them my financial business to them.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I have an existing account with Sears.

Received marketing material stating I'd been upgraded to the Sears XXXX and that I'd have to " opt out '' if I didn't want. 

I contacted Sears and declined, but no Consumer should have to " opt out '' of credit they didn't request. This could indirectly impact someone's credit ratings through no fault of theirs.

Interest rates - 26.74 % Late Penalty - {$38.00} I believe this approach to credit is simliar to the " XXXX XXXX '' disaster.
Consumer complaint received 2016-08-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

My mortgage from XXXX XXXX XXXX was sold on XXXX XXXX 2016 to Carrington Mortgage. When my mortgage was sold I was 2.5 months past due. I 'm still within the 60 day window of being released from XXXX, so I 've continued to mail my payments to them. I 'm current with my mortgage and have been since XXXX submitted my last payment of {$280.00} ( direct bill pay ) to Carrington on XXXX XXXX 2016. Once your mortgage is sold you still submit everything to your previous mortgage company within the first 60 days. When I called on XXXX XXXX 2016 Carrington, told me to not mail anything to them until notified or to XXXX XXXX XXXX because they 'll ( XXXX ) just return it to me and then I 'll have to send it to them ( Carrington ). That was incorrect information and will give Carrington the opportunity to attach late fees and make my loan in default. I have continued to make payments to my original mortgage company and legally they have 60 days to release everything. Every check that I 've sent to XXXX they 've forwarded to Carrington with the date they received it. XXXX has done everything correctly. However, Carrington has continuously mailed me notices of Intent to Foreclose and put a notice on my door yesterday XXXX XXXX 2016. I have all of my cleared checks and statements from XXXX. Duly, I have all of the notices of Intent to Foreclose from Carrington which is a violation of Federal Law since I 'm still within the 60 day window of being sold from XXXX XXXX XXXX and I am current with my mortgage. Carrington has harassed me and my family with daily phone calls and notices being sent every other day. Their practice is illegal and unjust. The bottom line is that it 's still within 60 days of being sold ( today being day 46 ) and I am current. Something needs to be done to stop this company from it 's illegal, harassing practices. The notices of intent to foreclose was done in retaliation of me contacting the XXXX on XXXX XXXX 2016. Carrington sent me a XXXX page document explaining their position once I contacted the XXXX. They have not updated their information and continue to harass me and my family.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I received a notification on my Experian Credit Report on XX/XX/2018 that one of my creditors had decreased my limit on my XXXX 's credit card. I was not notified of this before the action took place. I had missed a payment by 8 days and paid it immediately when I found out that I had missed said payment. My payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX. This is the first payment, in the 4 years that I have possessed this line of credit, that has been late. My available credit went from {$7400.00} down to {$3000.00} without any type of notification that my payment was missed or that they would be decreasing my credit limit. This was immediately put onto my credit report and shows now that my credit usage on this account is 97 % and dropped my credit score by 14 points.
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (PA)

Ditech will not work with us at all to try to get our mortgage in current status. We have lived there for 11 years. We had a loss of income from social security due to child receiving assistance moving out which decreased our income by approximately {$950.00} a month. Also, my wife has been diagnosed with XXXX  and XXXX XXXX which sometime make it difficult for her to work on a consistent basis. I'm trying to make some kind of arrangement with them to no avail.
Consumer complaint received 2018-06-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

Rushmore Loan Management Services ( will now abbreviate as RLMS ) is sending people onto my property to leave notices on my front door. I am the property owner. I do not currently, nor have I ever had any business or accounts with RLMS. No one currently living at my address has or has ever had any business or accounts with RLMS. I have contacted RLMS on three separate occasions to inform them of this. I have specifically notified RLMS that any future visit to my property is unwelcome and will be considered trespass. RLMS has visited my property no less than two more occasions since I have first notified them of this. On each subsequent visit I have again contacted RLMS to inform them that no one living at the address has any account or business with RLMS, I have requested that the visits cease, and I have informed them than any future visit will be considered trespass. I have video and physical evidence to substantiate the continued unwelcome visits.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Starting in XXXX I sent dispute letters to the bureau in regards to each account. They responded with by sending me a credit report saying that they were verified. In XXXX I responded with another dispute letter stating that if you verified I would like a hard copy and method of verification. The bureau responded with again another credit report stating that each account was verified. I have rights and and under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), to have the bureau provide proof of each and  every account within 15 days. If not all accounts should be deleted. The bureau has not provided any type of proof of any account on my report besides the word verified.
Consumer complaint received 2018-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (TX)

XXXX XXXX have been calling and emailing me threatening to contact my employer if I don't pay the loan. I received an email from XXXX XXXX stating and I quote " This is the final notice about your loan we have tried in many different ways contact you to talk about your past due balance, we demand the payment of the past due balance as soon as possible. 


At this time we must make a decision on whether we need to increase collection efforts by attempting to contact you at your place of employment that you gave us when loan was originated. You can avoid this disturbance by reaching out to us Please contact me at XXXX If you decide ignore this notification your account will be forwarding externally. 

Best Regards, XXXX XXXX I need them to stop all methods of contact immediately because I have contacted the Federal Trade Commission and will take other legal avenues if neccessary. DO not contact my employer at all.
Consumer complaint received 2018-06-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am contacting your firm due to my stolen documents and jewelry that I kept in a safe deposit box at your bank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX. My husband went into your bank on or around theXX/XX/XXXX to empty out our safety deposit box just to find out that it had already been emptied out. At this point one of the workers stated that they could not open it without his key, which that isnt true. Why would I pay for the use of a safety deposit box for years if it is empty? Why would you state you will credit me back one if you knew it was empty? It does not make any since to pay for a box that nothing is in for years. We have not been there for years, you should be able to see the last time we opened my safety deposited box prior to you telling us to empty it out because you are closing the branch in XXXX XXXX. I had over 25 thousand dollar in jewelry in that safe as well as my last will in testament, and all the titles to my properties which now I will have to pay to have it replaced. Its hard when you cant even trust the bank. My husband should have called the police before he left your facility. I called several time and was placed on hold. I held for 30 minute twice and 15 minute several time before someone said they would have the supervisor call me back. They gave me several numbers and I called them all.
Consumer complaint received 2018-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I was contacted in XX/XX/XXXX from a company called XXXX XXXX. They claimed to receive information from Navient about my existing student loan and wanted to offer assistance through the XXXX XXXX XXXX XXXX. I had an existing student loan balance with XXXX XXXX from my previous degree, and I specifically asked if I was able to quality through them since I had already paid several years with them. They clearly said no and that they would be able to help me with the Navient accounts. I stated I would look into it and thought I did need to do something about my loans but I had NOT yet submitted any paperwork. Shortly after, my XXXX student loan was consolidated to Navient. The consolidation forms were electronically signed and dated on XX/XX/XXXX ( not by me ). My loans were then immediately placed on forbearance. As time passed, I was unaware of what was happening, I contacted XXXX and they stated I needed to sign and submit certain paperwork to continue with the process, however, I did not submit and sign paperwork until XX/XX/XXXX, yet all was done back in XX/XX/XXXX. Today, XX/XX/XXXX, I contacted Navient to find out what was happening with my loans and why I was being charged {$82.00} a month from XXXX XXXX, they did not know anything and were not able to provide me with answers, I was asked by the Navient representative to contact XXXX XXXX. I contacted XXXX XXXX XXXX after my phone call with Navient, and I learned some more disturbing news. The representative from XXXX I spoke to stated clearly that " they had screwed my account '', I was able to qualify for the public service loan forgiveness through them and they would have taken my previous payments into consideration, something that I was told I could not do. I'm very upset and confused on what is happening with my account. 

I do want to stress that in no way is my complain against XXXX XXXX, they have been the only ones to be able to help me and answer my questions. This complain is against Navient and XXXX.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Trident Asset Management, L.L.C. (TX)

Trident Asset Management / XXXX XXXX XXXX In reference to account # XXXX The above collection company has parked and re-aged information that is inconsistent with the original date of delinquency onto my credit report this is a willful violation of the Fair Credit Reporting Act. It is required by the FCRA to provide relevant and accurate documentation to the CRA 's. This is a malicious willful act that is defamatory to my reputation and has caused harm to me and my family. Re-aging debt is an illegal debt collection practice. The statue of limitation from the original date has passed. Texas is 4 years. They need to remove this information from all CRA 's.
Consumer complaint received 2018-06-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (MO)

MY NAME IS XXXX XXXX I BOUGHT A TRUCK FROM A MAN IN XXXX WITH NO LIEN ON TITLE I WENT TO MY DMV IN XXXX  GOT MY PLATES SENT OFF FOR TITLE IN A WEEK LATER THE DMV SENT A LETTER THAT THE TRUCK I BOUGHT HAD A LIEN ON IT FROM WELLS FARGO THE LIEN WAS FROM XX/XX/XXXX IN THE NAME OF ( XXXX XXXX ) XXXX XXXX XXXX VIN # XXXX I HAVE TRIED FOR 7 DAYS TO GET THEM TO RELEASE THE LIEN AS IT HAS BEEN PAID OFF A COUPLE YEARS AGO I FAXED SEVERAL TIME TO 3 DIFFERENT FAX NUMBERS WITH INFO THEY WANTED AND NO RESPONSE FROM THEM I FAXED ORIGINALLY LAST TUESDAY XX/XX/XXXX AGAIN FRIDAY XX/XX/XXXX AND AGAIN TODAY XX/XX/XXXX I FAXED EVERYTHING THEY WANTED-NOW THEY ARE ASKING ME TO FIND THE MAN XXXX XXXX TO GET A BILL OF SALE FROM HIM BUT I DID NOT BUY TRUCK FROM HIM AND I CANT FIND HIM ANYWHERE HE WAS 3 OWNERS BACK HE COULD BE DEAD OR IN ANOTHER COUNTRY -- I KNOW HIS LOAN WAS PAID OFF I JUST NEED A NOTARIZED LIEN RELEASE FROM WELLS FARGO SO I CAN GET MY TITLE FROM XXXX DMV PLEASE HELP ME ITS BEEN VERY FRUSTRATING FOR ME
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

In XXXX I took out a mortgage with XXXX XXXX Mortgage XXXX XXXX XXXX for the amount of {$350000.00}. I defaulted on my mortgage payments because I could not keep up with the increasing mortgage payments. On XX/XX/XXXX there was an assignment of mortgage filed with the XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX Mortgage XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me in the amount {$310000.00}, which is about {$400000.00} from the original mortgage 6 years earlier, when I had paid over {>= $1,000,000}. How is that possible? I also never received mortgage statements from XXXX Bank XXXX, instead I have been receiving mortgage statements from XXXX. I would like the opportunity to reach a settlement with the bank without my house being sold at an auction.
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TX)

XX/XX/XXXX CAPIO PARTNERS LLC was made aware that accounts that their company held under my social security numbers were a result of identity theft and did not belong to me. Capio verified this account as mine however they do not belong to me. Capio did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Capio is continuing to report inaccurate information onto my credit file. Not only that how can Capio verify anything medical with a credit agency being that U have never signed HIPPA form authorizing CAPIO PARTNERS to have access to my patient information.