davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP (NM)

I am submitting this as a follow up to Case number : XXXX. I no sooner received a packet to send back to the Bank of Oklahoma that we have received in less than 30 days an order to vacate. Again Bank of Oklahoma has shown that sending a packet that had an extensive list to be turned back in which has taken several weeks to complete because of the extensive nature that we have received a NOTICE TO OCCUPANTS OF PENDING ACQUISITION. So again we have been duped by Bank of Oklahoma ... first I had to get their attention by contacting the CFPB but know they are toying with my family and my home without offering real help. I wish to stay in my home and again we are seeing smoke and mirrors when it comes to Bank of Oklahoma. Also we keep being told we can submit my own insurance but when the Insurance company calls to get info from Bank of Oklahoma they are told that the property is in foreclosure and they can not place new insurance on my property in foreclosure. I am more than frustrated that Bank of Oklahoma is not being helpful but has decided to tell the CFPB one thing and show me another side. This has been the true problem from the beginning. Also we are told to make payments of which Bank Of Oklahoma will not receive. When trying to speak to Bank of Oklahoma I am told that because of the status of my home that Customer Service is not available to me. Please give me some type of guidance in this matter as I believe I am being railroaded into a situation and every month that goes by my Credit is being destroyed and the equity of my payments to the Bank are being denied because of their lack or unwillingness to work with us. I truly just want to be able to make payments and gain my equity back and my credit standing that has been destroyed. We have been sent the same document two times prior and the address given for the document to be sent was sent back to us telling us they could not receive our document. Again terrible response to an address not even correct on prior documents. Please help me.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc. (PA)

This company, valentine and kebartas llc, calls me up to 10 times daily from several local and out of state phone numbers, some of them being, XXXX and XXXX. They will never give me any information and demand my name, phone number and other indentifying information. I have called them after hours and discovered they are alledging to be a collection agency for XXXX XXXX. I did cancel an account with XXXX recently and am working through paying the balance as my new provider is paying my fees. XXXX is aware and claims they never sent my information to an outside agency. These people harass me all day and have been told, verbally and in writing, to cease doing so. They refuse.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.
Consumer complaint received 2016-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Windham Professionals, Inc. (IL)

My students loans were in default and a garnishment order was issued to an employer I worked for sporadically, so at the time of the order, I was an as needed employee, and my employer sent communication stating that they would garnish as they were able based on my pay. Several months later, My loan is in rehabilitation, and no longer in the office of Windham Professionals, INC. 
XXXX XXXX XXXX XXXX, NH XXXX XXXX I receive a paycheck yesterday XXXX/XXXX/2016 and there is a garnishment included. My employer is unable to remove the garnishment because they have no order to stop the garnishment. I then contacted Wyndham, and was told that my account was removed from them, and they could no longer speak to me about it. I asked if they would please send an order to stop the garnishment and they again reiterated that they could not address anything regarding the account with me. They said the account changed hands almost 9 months ago, and it was no longer theirs. I reiterated that my employer will have to continue to send garnishment payments to them until they receive this order. I was then told to contact XXXX, but when I did that I was told they never had issued a garnishment order. 

Basically, Wyndham needs to revoke the garnishment because they no longer handle the account, but they are refusing to work with me. We have worked to bring the loan out of default, and it is no longer in a status which would allow for garnishment.
Consumer complaint received 2016-09-01
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: World Acceptance Corporation (TX)

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX. 
XXXX XXXX TX XXXX XXXX XXXX XXXX SC XXXX XXXX : PARTIAL ACCOUNT NUMBER : XXXX .... 

To whom it may concern : This letter is being sent to you in response to the above reference account that WORLD FINANCE CORP has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Identify the original creditor- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
At this time I will also inform you that your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on all XXXX of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against WORLD FINANCE CORP for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Consumer complaint received 2016-09-01
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A. (NJ)

Filed Chapter XXXX bankruptcy on XXXX XXXX, 2016, this information is readily available on my credit report, through subscription services, and public record. Whether or not a debt is dischargeable or not, it is a requirement that all creditors abide by the " automatic stay '' instituted by the United States Bankruptcy Court. This particular collection agency did not follow this rule, nor can they claim ignorance of the filing as the proof of filing is readily available as previously mentioned. In fact, proof exists that the original creditor is listed on the bankruptcy petition. This agency made 11 phone calls and left the same scripted message during the " automatic stay '' provision, from number XXXX, the recordings have been saved. The dates and times are as follows : XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Recently a collection was placed on my credit report. It originally was from a fine in XX/XX/XXXX. Shortly after I made a judgement error and found myself in court ( XXXX XXXX ). I signed the deal XXXX. The deal included any and all pending items. In XX/XX/XXXX while still XXXX, a warrant was issued from lack of payment. I found out in XX/XX/XXXX and submitted a XXXX form with DA for demand for trial. They did not respond in time limit, so I filed a XXXX form, motion to dismiss. I have now gone to court by they will not open as they no longer had jurisdiction since my conviction, an deal, sincel XXXX XXXX, XXXX. I went to DA office they said they did not place the collections order and the warrant was removed. However there is no record that they were suppose to due of any of the motions, as it is handled by them and not the court. They not only also had no jurisdiction since XX/XX/XXXX, but the XXXX was a formal motion to dismiss all there claims. I have asked them to put a warrant back, so that we can go to court and they said they can not. Thus showing they have no authority and any fines and restitution were covered in my deal of XXXX XXXX, XXXX. It totaled {$700.00} and was paid years back while I was serving my sentence. This also shows if they had legal ability to any claims it would have been placed while I was serving my sentence. They suggested to go back to Public Defender for help. I did and since the file was closed in XX/XX/XXXX, and the courts, including DA no longer had jurisdiction since XX/XX/XXXX that they can not open any court days for me to address with the courts and the DA. I ask first who is the one who filed the collection. Again court and DA office said it was n't them. Second for them to show that they have they legal right to place that in my report.
Consumer complaint received 2016-09-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ALLY FINANCIAL INC. (MA)

I sent Ally Financial two previous requests for them to return to me my monetary instrument and followed that up with a QUALIFIED WRITTEN RESPA REQUEST. I sent this via Certified Mail and the first page is seen here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] ALLY FINANCIAL Attn : Notice of Mistake c/o XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Certified Mail # : XXXX XXXX XXXX, 2016 RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST This letter is a ''qualified written request '' in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ) and Regulation X at 24 C.F.R. 3500, and The Gramm Leach Bliley Act. 

REF : MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX Dear Madam or Sir : I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property listed above. I requested that you return my property to me and you refused to do so. There is no statute of limitations on fraud. 

Potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, mortgage account and/or the debt or payments that I am currently or in the past, or may be legally obligated to. I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account number MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. In the event you do not supply me with the very security it will be a positive confirmation on your part that you never really created and owned one. I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent to me as well. Absent the actual evidence of the security I have no choice but to dispute the validity of your lawful
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I retrieved my annual Exquifax Credit Report on-line dated XXXX XXXX, 2016. Then I received another credit report in the mail dated XXXX XXXX, 2016. I reviewed the credit report and realized that XXXX Mortgage account was reported as " XXXX, XXXX, XXXX & XXXX with XXXX Days Past Due ''. I filed an on-line dispute that I have never been late on a XXXX Mortgage payment. I received the investigation results, dated XXXX XXXX, 2016. The report had the same delinquency. I called Equifax and requested another investigation, dispute # XXXX. I received an investigation results, dated XXXX XXXX, 2016, still had no correction. ( Both disputes investigation result reports are attached ).
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC (GA)

I pulled a copy of my credit report and saw that this company was reporting a XXXX debt. I sent them a debt validation letter to see if this account was indeed mine and they replied with a simple letter just stating what the balance on the account was. That does not prove this account is mine. I sent another letter on XXXX XXXX stating to please prove the debt is mine with something that has my signature on it or a contract and they have not yet replied.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Halsted Financial Services, LLC. (TX)

I have been the victim of identity fraud and a collection agency by the name of Halsted Financial Services, LLC ( tel : XXXX, web url : halstedfinancial.com ) who has been informed of this and knows that I have filed a police report, put a freeze at all three credit bureaus, and also filed a report with XXXX is still calling multiple times everyday. I also have record of them calling several times after XXXX and this is especially difficult because I suffer from a XXXX and have trouble sleeping. The latest call just came about five minutes ago waking me as I had difficulty sleeping last night and they hung up and when I called the number given by my caller ID the individual that answered said that it was an automated system that made the call which is an absolute lie as there was no automated system start up upon answering, simple someone hanging up in my opinion. This has now been going on for one month with a total number of calls above XXXX. They have caused me a great deal of time, grief and suffering and they need to be reprimanded for this ; also my opinion.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (GA)

Today, XXXX XXXX, XXXX I received in the mail from the XXXX of XXXX an attempt to collect XXXX parking tickets debts from XXXX years ago, on the date of XXXX/XXXX/XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-09-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XXXX XXXX is in a financial Hardship. She applied for a short sale which Nationstar was aware of and they went as far as to approve her. 
Then the short sale was declined due to the sale date being " too close. '' The short sale was in ESCROW. 
Nationstar removed the file and now the homeowner 's sale date is on XXXX with no options but to be foreclosed on. 
Although there are numerous reasons why Nationstar 's behavior is unacceptable, the issues that XXXX XXXX would like to bring to your attention are the following : While we understand a short sale takes time, it is inexcusable that Nationstar deny the shortsale ; will not let it be completed. It appears that Nationstar has committed negligence, if not reckless disregards for her short sale request. 
Nationstar approved a short sale, only to the homeowner that she was denied. This should not be tolerated. Nationstar denied her short sale based on inaccurate information and refused to take remedial steps to provide a qualified homeowner with a solution. 

By refusing to disclose details about the process, Naionstar is able to deny request at will without any accountability. The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on home and fire selling them at auction to make a profit. It appears that Nationstar 's lack of participation in a meaningful review of Homeowner 's file indicates a preference to profit directly from Homeowner 's hardships. 

XXXX XXXX fully believes that she has been discriminated against based on her age, race, ethnicity, sex, marital status, and national origin. At this time, we are demanding that the sale date set for XXXX be postponed or she will assert her legal right naming Nationstar as a defendant in district court.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NY)

I paid XXXX directly for a balance i had. I got a alert on my credit account after i paid for the balance by a collection agency stating i owed a balanced when i did pay it off.in addition i never got any notice from a collection agency. They never sent me a notice. I did stay in touch with XXXX and there should be recorded conversations that i did call them to let them know i was going to be late and that i was going to reestablish service with them.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting XXXX XXXX mortgages as open and unpaid theese XXXX accounts have been paid in full ACCT # XXXX and ACCT # XXXX ATTACHED IS CONFIRMATION FROM XXXX XXXX XXXX
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.