davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TD BANK US HOLDING COMPANY (NY)

The lender reported my account as 30, 60, and 90 days late. I was not able to access my account due to my account registration information being lost in the mail and simultaneously did not receive the bill ( letters being sent to an incorrect address ). After I was contacted via phone by a collector, I promptly paid the debt and the account has been in repayment since. This account should not be marked as late, I had no knowledge of how to pay or that I was even late.
Consumer complaint received 2017-02-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

XXXX XXXX XXXX XXXX HSBC Bank USA has information on my credit report. They claim that I had an account with XXXX and purchased items in XXXX2012 in the amount of {$220.00}. I have never had an account with XXXX, I do n't even shop there. In the past when I asked them to produce documents with my signature for purchase affixed, they were not able to. I should not be charged for something I did not sign for. This is fraud or a serious mistake! Please help me clear my name and restore my credit.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (FL)

Dear Early Warning Services, I XXXX XXXX XXXX XXXX am writing to formally dispute the continued reporting of the account referenced under Dispute Case ID : XXXX and my Consumer # : XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( b ), any information previously deleted from a consumers report can not be reinserted unless certain stringent procedures are followed. These include notifying me within five business days of reinserting any disputed information and providing evidence of the investigation conducted, along with the contact information of the person who verified the accuracy of the account. 
I have not received any such notification or valid verification. As a result, your reinsertion of this account without adhering to the required legal process is a violation of my rights under the FCRA. I am kindly requesting that you immediately delete this account from my report, as the information is inaccurate and its continued presence on my records is unlawful. 
Additionally, as stated under Section 604 ( c ) of the FCRA, which governs permissible purposes for accessing and reporting consumer information, your actions also violate my rights as a consumer. I have not authorized or consented to the continued reporting of this account, and you do not have a permissible purpose to do so.

I am documenting every instance where Early Warning Services delays or stalls in resolving this dispute. If this account is not promptly removed, I will have no choice but to pursue legal action for violations of the FCRA, for which I may seek statutory damages of up to {$1000.00} for each instance of non-compliance. 
I kindly ask that you respect my rights as a consumer and promptly delete this information from my report. Please confirm the deletion in writing within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

I have a mortgage loan with Amerisave Mortgage corporation on my house. They collect taxes and home owners insurance money with my payment as escrow. This XXXX 2017 I changed my insurance company and the bill is directly send to mortgage company for payment. They mailed the payment to some wrong address and the insurance company is going to cancel my coverage. I contacted the mortgage company via phone, email and fax and they are not responding to my inquiries so far. I send them the correct information where the payment should be send. But they are not responding to any of my inquiries. 

I want them to contact the insurance company directly and solve this issue before it is too late. Also I want this company to contact their customer once an inquiry such as this made, instead of going through these type complaints. 

All the relevant information on the loan / insurance are in the attached documents.
Consumer complaint received 2015-08-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

I am and have been the victim of identity theft. Several companies including credit card companies that were listed under my name were notified by me as to the identity theft situation and after there investigation each wrote to me stating I was not responsible for any debt HOWEVER XXXX XXXX is still actively seeking payment from an account that is not mine. When I became aware of the debt I contacted the company and told them of the situation. Several months later I have been contacted by Midland Credit Management a collection company bearing their acct number of XXXX listing the balance of {$390.00}. I have contacted them within the 30 day period stating the identity theft situation. Please help me rectify this and have XXXX XXXX not hold me responsible for a debt I did not incur. Thank You.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (VT)

In XXXX of 2014 I placed an order with Amazon.com and thought I was using my own Visa card through my bank, what happened that I was not aware of was that they issued a new credit card thru Chase Bank and placed those items on that credit card I did n't know that this had taken place. 
I received a letter from XXXX XXXX collection agency stating that I owed Chase Bank XXXX the letter is dated in XX/XX/XXXX but never received this letter till XX/XX/XXXX. 
I called that collection agency at least twice and they said I would have to call Chase Bank Fraud dept. which I have done 4 times I have talked to XXXX different people and each time they say someone will call you back and they never do. 
I never received a credit card from Amazon nor did I ever receive a statement telling me I owed money, so when I got this letter I was totally surprised and knew I had not asked for a credit card thru Chase Bank. 
I have explained this to Chase Bank each time I 've called and offered to pay for the product that was purchased but not the interest that has accrued since I never knew of the credit card issuance. 
From what I can determine I owe XXXX and would like to pay that completely off. 
I have already cancelled that credit card so nothing else can be put on it. 
I am completely appalled with Chase Bank Fraud dept. they have nothing to do with helping people and their issues, their working for Chase Bank and trying to pull money from people that is n't there 's! Please help to get thru so I can illiminate this issue. 
XXXX XXXX
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AL)

I am a Wells Fargo customer, and have been for about 9 years. Wells has been charging me excessive overdraft fees for years. They will hold my and my wife 's direct deposit and run debts through first, so they can charge me fees. They say that this is their policy.They will also manipulate debt card transactions so that those will go through first, then they will process a electronic draft, like a car payment, that is pending, to bring my account balance down. They will also post a draft as pending then take it completely off, then they will bring it back showing pending a day later. So that they can charge more fees.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I tried to set-up online Social Security account but was unable to do so. Social Security checks their information against Experian. While both XXXX and XXXX reports do not show fraud associated with my account, Experian continues to indicate that is a problem so I can not get a credit report. I have sent validating information as requested to Experian on multiple occasions to including a driver 's license, an insurance bill, etc. they continue to indicate it is a problem. Additionally, I requested the source of the alleged fraud and have received nothing. They re-investigated 3 times and indicated my dispute is complete which it is not.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

Our Private Mortgage Insurance Disclosure form signed at closing ( in 2014 ) states that we can request to have our PMI cancelled once the principal balance of our loan reaches 80 % of the original value of the property. We have paid the loan down to 80 % and met all the other conditions listed on our disclosure form ( except getting a new appraisal, but plan to ). However, Freedom Mortgage sent us a letter stating the following, " A Loan-To- Original-Value ratio of 80 % or less ( original value is considered the lesser of purchase price or original appraisal ) and a current property value at least equal to the original property value. A new appraisal demonstrates a Loan-To-Current-Value ratio of 75 % or less for loans aged between two and five years. '' When I called to speak with someone about this letter and how my PMI disclosure does not mention any criteria on age of loan or 75 % LTV ratio, but instead says that I can make the request to have it removed at 80 % as long as the home value has not decreased or automatic termination of PMI at 78 %, they informed me that the rule is 75 % since we have only been in our loan for 2.5 years. I have called Freedom Mortgage several times to get clarification/resolution on this letter and every representative just reads the letter and repeats it to me. I have also asked for a manager/supervisor to review my closing documents and call me back so that I can get PMI removed but have yet to hear back from anyone.
Consumer complaint received 2017-03-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC (SC)

Have been threatened with arrest for failure to surrender vehicle by companies repossession agent, was threatened with legal action to obtain judicial order mandating surrender of vehicle, and have been threatened to have vehicle repossessed for missing one payment. XXXX, call center supervisor, has been very confrontational, demanding, threatening in every conversation I have had with him. Company also charges a {$3.00} processing fee for payments made via phone each time a card is run. I have to split my payment into XXXX cards and they company is refusing to waive for second run for my payment.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (LA)

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : US BANK XXXX BANK ) - INQUIRY DATE ( XX/XX/year> )
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (WA)

I had an XXXX reservation. I canceled it. 7 days later, XXXX initiated a payment of {$1800.00} against my XXXX account via PayPal. The reservation had been canceled for 7 days. This is a scam and fraud. No merchant should be allowed to process a payment after the transaction has been canceled. There was no cancellation fee or anything like that. This is complete overreach by XXXX and a disregard for the financial rights of the customers. Cancellation means the transaction does not move forward. Still, the moved forward, 7 days later. This is why we needs laws protecting customers. Large firms, like XXXX, have digital process that steal from customers.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS (OR)

I have repeatedly tried to obtain a copy of my XXXX report. Each attempt has resulted in some type of error online, or " unforeseen error '' in the voice response system, which is itself very difficult to use and sounds as if its XXXX years outdated. I have made at least a dozen attempts total. It seems as if the system is deliberately difficult to use and is almost always non-functional in an attempt to deter consumers from obtaining what is rightfully theirs to access per FACT act and FCRA. All other CRA 's have simple to use online interfaces allowing the consumer to access their reports immediately online. In the 21st century it is inexcusable that someone is forced to physically print and mail a piece of paper. This is a not very transparent effort on behalf of Lexis Nexis to deter consumer from easily obtaining reports and disputing information.
Consumer complaint received 2016-04-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery Services used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a serious illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
XXXX.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (NY)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION (AZ)

I called my mortgage company to make my regular monthly payment they advised me that there were late fees on the account I advise them I was unable to pay any at this time I needed to make my regular monthly mortgage payment they started arguing with me that I needed to start paying my late fees right away and since I was refusing to set up the late charges they were n't going to take my paymentthe representative said let me get you over to my manager since your not wanting to address for paying your late fees. I advise the representative that I am one person supporting XXXX people and that it would be nice if when I call to make my mortgage payment they do n't give me such a hard About late fees I will pay the when I can and today I was unable. the rep made sure to advise me that if I did not pay the late charges that they would refuse the payment and not allow me to make my mortgage Payment. with FHA loans at day XXXX the investor locks out accounts until the total amount due is paid the rep advised me that their own policy was once you go over XXXX in late fees I have to pay them or they would refuse my payment so XXXX mortg corp would put XXXX people out on the street for {$250.00} dollars? That sounds and is absolutely absurd what is XXXX dollars over 30 years? I 'm paying before the end of the month each month because that 's how I get paid not because I 'm a deadbeat or want to encure late fees. Every time i call this company its a fight to pay my mortgage. It should n't be.
Consumer complaint received 2017-03-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (MN)

My husband and I have applied for loan modifications with our mortgage company ( and received them ) a few times in the last few years. The problem is they have n't lowered the payments or interest rate. We recently filed bankruptcy but did not include our home. Our bankruptcy lawyer informed us about the HAMP program and we have a XXXX XXXX loan. Our mortgage company never mentioned this program to us and now are saying we do n't qualify because of our modifications. 
Our bankruptcy lawyer suggested contacting you to help take care of this. I 'm certain we would have qualified for the HAMP back when we first applied for a modification and would like to see that remedied. Also, the attorney mentioned that we should n't have had to pay thousands of dollars to receive the modification ( which was required each time ) but we were not aware that they are n't supposed to require that so we had to take out a loan using my husbands XXXX account and because of that, his take home pay is {$800.00} less each month because of the loan payment right out of his paycheck. 
I am quite frustrated with our Mortgage company PHH Mortgage as they have not helped us with the financial difficulties but made them considerably worse. Now they are saying we are going into foreclosure again on the XXXX of XXXX Please help. 
XXXX and XXXX XXXX PHH Mtg LN # XXXX