davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I sent three ( 3 ) similar letters to all three credit bureaus, Experian, XXXX and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

I was a victim of identity theft and now I have pay day loan inquiries on my report under my old name XXXX XXXX, the person even tried to carry me on income taxes. I 've tried to dispute them but the credit reporting company is telling me to contact the company. The companies wo n't remove them saying that it 's my information, even though I have documentation from the IRS, say I have identity theft on record
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Hillcrest Davidson & Associates (GA)

I spoke with XXXX XXXX, and unscrupulous representative for the above collection practice. He threaten me on three different occasions stating that the item would hit my credit and my credit would drop XXXX-XXXX points. My response was " Sir please do not threaten my credit. His response was. " Its not a threat its an assurance. '' The Irony of this story is that I called to establish a payment and was met with these threats. 

XXXX then stated that he would notate the account as a refusal to pay and that it was too late for me to make any payment and best of luck to me and then hung up the phone. There was no refusal to pay, and I just received notification of debt days ago. I must have 30 days to validate and or dispute any debt. Note that it is against Fair Debt Collection Act for abusive debt collection practices to engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (NM)

This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Failed Disclosure verification of debt and still reporting account : The information this company has provided is woefully deficient and fails to establish that this is a valid item. First, they have not, by any credible means, demonstrated that I owe this alleged debt to their organization. They have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. They have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 
Second, they have merely provided a copy of their invoice from your own debt collection company which is simply not enough satisfactory proof that I, personally, incurred this alleged debt. They have failed to prove that there is any legal or contractual obligation between myself, theiry agency or the creditor. 
Third, they have failed to establish any relationship between me and the purported debt. All of my personal information from their attached letter was received after I mailed correspondence to them. I demand that they discontinue reporting this item to the credit bureaus and, in fact, that they delete the item.They have failed to provide ANY credible proof that the alleged debt is mine or that the alleged debt can be validated.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

I have contacted Equifax , XXXX, and XXXX on several occasions to remove to old Dismissed chapter XXXX bankruptcies. To know satisfaction, I therefore contacted XXXX Virginia 's federal bankruptcy court. They explained to me that they do not removed old bankruptcies it is the mission of the XXXX credit bureaus. Each one came back stating the information was being reported currently. That is not correct. One Chapter XXXX was filed on XX/XX/XXXX and dismissed on XXXX/XXXX/XXXX with a total of {$0.00} balance. case XXXX # XXXX in XXXX, Va. This should have been removed XXXX XXXX. The fair credit act states that all XXXX XXXX should be removed after 7 years. The next case # XXXX, was filed in XXXX, Va on XXXX/XXXX/XXXX and dismissed the same month with ) XXXX Balance also. This should have be removed back in XXXX XXXX. The credit bureaus or the U.S. bankruptcy courts are not assisting me in this issue.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NJ)

M & T Bank has refused to address our issues. M & T Bank has refused to provide a Power of Attorney for XXXX to act on their behalf, as required in our XXXX office. XXXX is either M & T Bank 's agent or not. M & T Bank refuses to state as to whether or not XXXX is acting on their behalf. This is despite an assignment and discharge recorded in XXXX XXXX -- 14 years after our payoff - by XXXX, on behalf of M & T Bank, without the required valid and legal Power of Attorney ever being recorded in our XXXX. We demand that M & T Bank simply answer our question, provide a valid Power of Attorney recorded in our XXXX -- or say that M & T Bank can not provide a Power of Attorney. This request is simple, and M & T Bank has failed to respond - multiple times. It has also been requested that M & T Bank explain the discrepancy in " loan '' account numbers. We request that M & T Bank immediately respond to our request. M & T Bank 's response is for us to hire an attorney. We should not have to hire an attorney until M & T Bank properly responds to our requests through the CFPB. 
Thank you, XXXX and XXXX XXXX
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NH)

1. In XXXX of XXXX, without notice I stopped receiving online bills in which I relied on to make my payments. 
2. In XXXX, XXXX I realized this and on XXXX XXXX I called to pay off the balance and cancel my credit card. I asked to have XXXX of the late fees removed in which the representative agreed to remove {$40.00} and told me that my final balance would be {$51.00}. I agreed to make a phone payment in which I was given confirmation # XXXX. I was told that my card would be canceled per my request and that my account would be closed. 
3. Then in XXXX I received a call from Macy 's credit department telling me that I owed more money and on so I looked up my account and found that on the XXXX statement, my final payment of {$51.00} was credited to my account as a payment but they never removed the late fee of {$40.00} that they agreed to. I was also charged another late fee of {$40.00}. 
4. On XXXX XXXX I called Macy 's back to resolve this and spoke with a representative who did not speak XXXX fluently and I had a very hard time understanding her. She also did not understand what I was trying to tell her. Because of this I asked several times to speak with a supervisor and after being put on hold 3 times with no result I asked to have a supervisor contact me and ended the call. No one ever called me back. 
5. I then went on line and sent an email to customer service and was given the same contact number I called on XXXX in which I was still waiting for a call back. ( see email response ) 6. I then contacted the legal team XXXX, out of XXXX and on XXXX/XXXX/XXXX a letter was sent out to Macys disputing the late fees they kept charging each month and asking for someone to contact us. ( see attached. ) 7. After no response and late fees continuing to be charged on late fees, I asked XXXX to send another letter which they did on XXXX/XXXX/XXXX, ( see attached. ) 8. And after again no response, I checked my credit report and found that Macys reported me late with a balance of XXXX. This amount is all late fees and interest that occurred during the time period that I was trying to contact them. They did not respond to either my calls or my letters.
Consumer complaint received 2016-07-07
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ECMC GROUP, INC. (GA)

I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is purchasing something from another CORPORATION.
Consumer complaint received 2017-01-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (MN)

I am adding additional information to a complaint I already filed. Complaint # XXXX concerning Shellpoint Mortgage Services. Have just received the attached statement now saying I owe them {$100000.00}. I 've also attached the last two letters I 've received showing I owe a principal balance of {$33000.00}. Not only is their customer Service boarding on Fraudulent practices, it would appear that their Billing/Accounting system is fraudulent as well. How can I possibly owe them more than the original loan amount when they 've only been managing this account since XXXX 2016? I 'm dealing with offices in XXXX different States and they have multiple XXXX XXXX XXXX XXXX for these States. It is no wonder I ca n't actually contact a person who might know what 's going on with this account.
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XXXX of 2011, I had some fraudulent activity occurring with my checking account through Bank of America. The activity happened at an ATM, which is fully equipped with cameras. Upon learning of the incident, I immediately filed a police report with the XXXX police department and submitted a copy to Bank of America. Now even after submitting a copy of the police report and being told that the person on the camera was not me, I was told by the bank that the only way the fraud could occur was for someone to have access to my pin number, which was in a sleeve with my card, as this was a new account. I was also told that since I did not secure my pin number, that I was considered an accessory, and was permanently band from Bank of America, not only did they band me from their facilities, they also entered my name on a fraud report, which denies me the right to utilize any other bank.
Consumer complaint received 2016-05-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

i have try to make loan and credit card application at chase bank but i was turn down in the report i send you with the attachment on page XXXX at the top in the report chase bank show me as a creditor chase bank did not give me any loan or credit card because they did not give me any thing i can not be a creditor
Consumer complaint received 2016-10-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

IMC Credit Services in XXXX, IN has reported on my credit on behalf of XXXX XXXX XXXX XXXX XXXX without me being contacted in regards to settling the bill. They report a balance of {$320.00} on all my credit reports which is incorrect because I have made several payments on their website and asked to be contacted to offer a settlement amount since they have never tried to contact me.
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC (MS)

I was told by general manager that he received a call from a gentleman from a law office and was told I had approx 1-2 hrs to contact him before a garnishment was enforced. I called the gentlemen & was told I would be garnished for {$4400.00} unless I made payment arrangements today for the balance due to a non response to a letter I never received. Because I told him I never got the letter, his client would consider a payment arrangement for {$2000.00} in 6 payments of XXXX monthly. If I default on arrange, the payment reverts back to original amount.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

While speaking to a clerk by the name of XXXX at the Judges chambers ( phone number XXXX ). The clerk advised me that their courts did not report this information to Trans Union and that their court does not even have a subscription to report to ANY credit agency. In addition, the clerk from the court explains that the courts do not physically verify or give out social security numbers or any information to any THIRD PARTY companies. So if they did not report this information how did Trans Union? According to the FCRA it is not permissible for Trans Union, a THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate information and according to Federal Court records. This information is not accurate and is not me.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

This case was never closed and it is currently showing the status in progress. This has been going on since XXXX. Do you think this is just a little past the XXXX time-frame? I demand that the items posted in the XXXX be deleted from my credit report forthwith. Equifax is in direct violation of the FCRA guidelines and conditions. The CFPB is supposed to be on our side and protect the consumer. I do not see any protection or enforcement here.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (OH)

I checked my credit report on XXXX/XXXX/2016 to learn that Synchrony Bank closed my XXXX XXXX XXXX Credit Card for non activity and carrying a {$0.00} balance on XXXX/XXXX/2016. I called Synchrony Bank on XXXX/XXXX/2016 to re-open the account and they refused and told me to re-apply and that it can not be re-opened if closed for non activity. All my other creditors allow me to re-open accounts without a problem. Im not re-applying for another account just to have a hard credit inquiry on my credit report. These creditors get you coming and going.
Consumer complaint received 2017-01-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: The Lemoine Group, Inc (CA)

the company that purchased the 2nd mortgage loan on our property contact us and toll that we could get a loan modification or if not they would foreclosure on us.we fill out all the papers they sent us and we agreed to make payments for six months and come XXXX 2015 we would get together and do a modification but to our surprise we receive notice that the house had been sold on a foreclosure sell that we had 3 days to move out or be evicted by the sherrift police because the new owners wanted passetion of the house.I toll I was about to make my payment to the 1st mortgage he do n't do it we are paying them off we own the house. I call the company that 2nd mortgage and toll what happen we had agree to met on XXXX and do a modification the owner said its nothing personal its all business we own the house you have to move or be evicted.i toll that there no way we had a agreedment that the house had over XXXX dollars of equaty .he said lets meet so we did he came to the house and said that it wasent nothing personal but that they own the house we had to move out. I explain that how this could be that I had as my mom for a loan of XXXX dollars a couple months back to get courent with the 1st mortgage and we had to star paying it back on XXXX 2015. he said let me make a call to my associates and he did and said i all give you XXXX to move a get a rental place and if your out before the month ill give the money to paid your mom. I call the 1st mortgage and they set up for me to talk to my representative on the XXXX of XXXX but for some reason he did not call. I receive a call from the 2nd mortgage that why I had not cash the check thatif the month went by and we were not out we would loss the ckecks and be evicted by the sherrif. I went and met with XXXX lawyers but both wanted XXXX dollars and XXXX and hour to take the case and nothing warranty I did not had the money to fight the case. so we did move out before the month. I receive a call from XXXX the server on the 1st mortgage and he said that there was no way we sould had move out from the property that the only way for a foreclosure was if we were behind on our mortgage or property taxes witch was not the case we were current by the time the house had been rented and they had taken out XXXX dollars of the equity of the house on the XXXX weeks. by then the family had gone separated ways I was homeless for 11 months and got serve by my wife for the divorce and during the proses the judge said that something was really wrong and to call the 1st mortgage to see if we did own or not the house I did contact them and also XXXX and they both said that yes we are the owners and that we had to take this out with them the company that did the foreclosure.
Consumer complaint received 2016-09-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (MS)

I have recently relocated to Mississippi a couple months ago for a job and applied to get a home loan for my boys and I to buy a house. I was told that I had a negative mark on there from National Credit Systems for over {$7000.00}. I have never had a negative mark on my credit for anything. I am a single mom and have always protected my credit and finances. I talked to my attorney and he informed me that it is illegal to collect on a debt past the 3 year SOL in Mississippi. I tried disputing this account several times in the couple of months and have gotten nothing back from these people. I want this fraud charge off.
Consumer complaint received 2016-05-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (TX)

As was stated on XX/XX/2016, by XXXX. ( president of the XXXX Habitat for Humanity ) XXXX Regardless I had gotten behind on my mortgage payments! 
XX/XX/2016 I purchased XXXX money orders in the amount of {$380.00} each and XXXX more on XX/XX/2016 for {$380.00} each, giving a grand total o {$2300.00} plus as of XXXX XXXX there has been a balance of {$380.00} just sitting in my suspense account!. 
On XX/XX/2016 I purchased XXXX more money orders in the amount of {$380.00} totaling : {$3400.00} As of XX/XX/2016 according to XXXX XXXX XXXX, escrow department, there has only been 1 payment posted to my account for {$510.00} with a past due balance of {$3800.00} and a {$440.00} in my suspense account! 
Late payments to mult financial were withdrawn XX/XX/2016. {$20.00} XX/XX/2016. {$10.00} XX/XX/2016. {$80.00} Total : {$110.00} But I was only late 8 months late yet you 've withdrawn {$110.00} When it should 've only been XXXX! They should 've put that money towards my payments and waited for there late payments, multi-financial is just as much at fault as I am and the people of XXXX habitat that are pulling the strings, I spoke with Multifinancial services and they are blaming my lender ( " XXXX '' ) " XXXX Habitat for Humanity '' ( XXXX XXXX ( XXXX ) XXXX the new president and the treasurer XXXX XXXX ( XXXX ) XXXX and the previous president XXXX XXXX at ( XXXX ) XXXX. They sent certified papers to my " old '' p o box to inform me of the progression and accused me of refusing the letter, when in fact they knew I no longer had that p o box, why did n't they send it to my home address also? I can tell you why cause they were trying to hide it and kick me out of my home that I 've paid for, for 10 years! No forebearance, no explanation, no help from my lender " XXXX '' at all, I could n't even get anybody to talk to me for 2 months from habitat nor Multifinancial services, and I think this is bad business, something needs to happen to change this, please help?? Now it 's up for foreclosure, set to auction on XX/XX/2016, which is also my birthday and they know it, really there 's 365 days in a year, they are doing this to hurt me more! Spiteful
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (OK)

Discover Card will not issue the proper credit for merchandise that was returned to a vendor. The vendor was selling the product as " new '' but it was not. They say that the time period has lapsed when in fact I was waiting on Discover and the vendor for a response. Have all correspondence and proof of delivery receipts.