davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Love, Beal & Nixon, P.C. (OK)

I have sent numerous comoldings on Love Beal and Nixon. I have madeany phone calls that have not been returned by XXXX XXXX XXXX. I sent to them my information about the identity theft but again no response. I have also requested from them a copy of the SIGNED contract from XXXX XXXX XXXX and they have yet to provide it. They have now sent me a Motion of Summary Judgement that I received on Saturday, XXXX/XXXX/2016. I plan to file my rebuttal with the court clerk no later than XXXX/XXXX/2016. This DEBT IS NOT MINE!
Consumer complaint received 2017-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC (CA)

This company has been calling my sister repeatedly for a couple of weeks now and leaving messages stating they are trying to locate me and that I used her as a reference. They have since been calling other family members as well as my own cell phone & house phone multiple times a day. I have called them to find out who they are, but can not get anywhere because I will not provide my personal information to verify myself as I do not know why they are or what company they are representing. I understand all of this and requested that they then mail this information to the address that they have on file as I do not believe I owe anyone money and they have refused to do so stating that I have probably moved. I have not moved in over 7 years and informed them of this and yet they still refuse to do anything. So now I am at a stand still. Myself and my family are being harassed with phone calls multiple times a day and I can get nowhere with this because I will not provide my personal information to a company I know nothing about as I do not even know if this is a scam! All I am asking is for the phone calls to stop & for something to be mailed to me providing proof of whatever debt they say I owe then I will be completely willing to talk to them about it and prove my identity. They keep saying they are calling my " references '' I have never used references for anything. I have never had a car loan or any other type of loan or any other debt that would require me to have references so I find this very hard to believe as well. Not to mention my last name has not been what they are calling me for the past 5 almost 6 years and my sister was only XXXX at that time so I most definitely would not have been using her as a reference even if I had to have one.
Consumer complaint received 2017-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I have been trying to have Freedom Mortgage cancel my PMI per mortgage disclosure document language. I tried multiple times over the phone but the operators ( who read off from a computer ) kept telling me that that I have not reached 78 % loan-to-value. I said the calculations should be from the original sales price ( mortgage language ) and they told me its the balance ( loan amount ) at the time of the refinancing with them. They told me to email in writing to their customer service. 

On XXXX XXXX, XXXX, I sent my first email saying that my mortgage disclosure document states when the loan-to-value of mortgage reaches 78 % of the initial sales price or appraised value, whichever is lower, and paid for at least 5 years, the monthly insurance premium will be eliminated. I had been paying the premium for 8 years since the original loan of XXXX. The appraisal of XXXX was the same as the sales price. When the mortgage was refinanced with Freedom in XXXX, there was no appraisal done during their streamlined refinancing promotion. 

On XXXX XXXX, Freedom sent me a generic response without answering my specific letter, saying that FHA will determine when a borrower has reached 78 % loan-to-value ratio. 
On XXXX XXXX, XXXX, after receiving the generic response letter from Freedom, I sent a second email including language as well as attaching Title 12 U.S. Code 4901 ( 12 ) which came about after PMI Cancellation Act of 1999. It states : " The term original value, with respect to residential mortgage transaction, means the lesser of the sales price of the property securing the mortgage, as reflected in the contract, or appraised value at the time at which the subject residential mortgage transaction was consummated. In the case of a residential mortgage transaction for refinancing the principal residence of the mortgagor, such term means only the appraised value relied by the mortgagee to approve the refinance transaction. '' On XXXX XXXX, XXXX, Freedom mortgage sent me the same generic response letter.

I believe I have met the intent of U.S. Code 4901 ( 12 ) as well as the mortgage disclosure langauge.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I disputed the Bankruptcy an it came back verified by XXXX XXXX, I called XXXX XXXX and they stated the bankruptcy info was verified by the courts. I wrote a letter to the courts and and email to XXXX asked how do they verify with the credit reporting agencies and the court replied with a letter that they dnt verify with no credit reporting agency and pacer replied by email they dnt either. I wrote a letter to XXXX XXXX and attached the letters from bankruptcy court and XXXX and the bankruptcy was removed from my files I have attached they documents confirming this, I sent this info to the credit bureau and they refused to remove the bankruptcy from my credit files. They are in violation of the FCRA
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (SC)

This debt is not mine I have never had an account with Amsher. This debt has two collection agencies that are trying to collect on a debt that is not owed. Both Amsher and XXXX XXXX are trying to collect on the same debt that I do n't owe.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

XXXX XXXX : XXXX XXXX XXXX XXXX approved a loan for $ XXXX@13.39 % for 180 months with a payment of {$960.00} a month. 

XXXX XXXX : Household Finance Corporation/HSBC purchased the loan At the time, my mom 's income was from XXXX and a small VA pension from my late father and totaled XXXX a month ( we have proof ). Can send copies of the checks if needed. 

We firmly believe this was an illegal and predatory loan. We are currently fighting foreclosure ( court date XXXX XXXX ). 

In XX/XX/XXXX, my wife and I, along with my mother, had the deed changed to a " Right of Survivorship '' deed. When she died, the house became ours. We have jumped through all their hoops only to be repeatedly lied to about getting the loan modified. Finally we were told that there would never be a modification b/c we are not on the loan.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XX/XX/17, Capital one Auto Finance XX/XX/17, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XX/XX/17, XXXX XXXX submitted a inquiry on XX/XX/2017 and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Consumer complaint received 2017-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (TX)

I get a call every day at approximately XXXX am on my work cell. I have to answer all calls on this phone. I informed them that they were contacting me at work and I demanded that they contact me only in writing by sending me a letter. The man on the phone became irritated and told me that the phone calls would not stop. I told him, that I am aware of my rights, I am clearly telling you to cease and desist all communication at work that I can not receive calls on my work phone. He told me again that he ca n't make the calls stop and they will continue, even if he sends me a letter. 

I received another call this morning from the exact same number. This is every day, multiple times a day at the exact same times.
Consumer complaint received 2017-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

XXXX last year I got an XXXX and I enroll in the upgrade program which let me change my phone every year ( with citizens one ). a year has pass and I am trying to upgrade my phone but in the process they are asking me for a credit card which I do not have. I already have 2 programs and they have withdrawing money from my checking account with no problem. When I call them they just apologized and told me that some rules had change ( without me being notified ). I believe it is unfair to advertise an upgrade program and when trying to upgrade find out it is not possible. Now I am stuck with this phone and Citizen One did not deliver on their product.
Consumer complaint received 2017-04-01
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (NY)

I was called without warning and my card was suspended immediately despite my account being in good standing. In an era of apps and automatic monthly fees for everything from groceries to car sharing this is completely disruptive and damaging. 
The reason? A 'credit review ' So I followed the request for an IRS form that same day. 
I called that day and receipt was confirmed and the Amex rep reviewed the form and told me everything had been completed according to instructions. 
I called several days later and was told the IRS had accepted my form and that the review should be completed that week. 
The form requested was my XXXX which documents a significant income. 
Despite reassurances we are now 3 weeks without access to the card and there has been no response. 
Various apps and services are now all requiring being shifted to other payment methods
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

RE : Un-Verified Accounts Pursuant to the FCRA & the FDCPA I am writing this complaint to exercise my lawful right to question the validity of debts that has been entered on my credit file and claims to have become due, derogatory and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section XXXX disclosures to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! 
I understand that credit bereaus has violated my rights to report these items on my credit report! Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of XXXX reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these XXXX entries it has come back as verified within a few days, which further lets me know that you have not fully verified these accounts. You are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. You have failed to show that your agency verified the information and the accounts belongs to me and to show that your agency verified the information before you placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation (FL)

I recently sent a validation letter to XXXX asking for certain information so I can validate the assume debt is me. Upon receiving only two documents from XXXX. I notice that my request was not up held, and I question the validation that this debt belong to me. They did n't send any hard proof that it belong to me. I request original document with signature and agreement to pay, and also date this allege debt became payable.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XX/XX/XXXXand noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which I have n't applied for anything this year. Due to too many inquiries in the last year. Reviewed my XXXX XXXX and noticed that I had a total of XXXX inquiries. Out of those XXXX inquiries, XXXX are valid. Please help me to get this removed. Also I would like a credit freeze on my account. Since the data breach with Equifax I 've been getting a lot of random offers. When I know I requested to be removed off of the preapproval list. Even on my XXXX XXXX my credit is important to me. 

1.XXXX XXXX-XX/XX/XXXX 2.XXXX XXXX XXXX-XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XXXX XXXXXX/XX/XXXX 6.XXXX-XX/XX/XXXX 7.XXXX XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXX-XX/XX/XXXX 9.XXXX - XXXX-XX/XX/XXXX 10.XXXX - XXXX-XX/XX/XXXX 11.XXXX XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX-XX/XX/XXXX 13.XXXX XXXX XXXX-XX/XX/XXXX 14.XXXX XXXX & -XX/XX/XXXX
Consumer complaint received 2017-10-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (TX)

On XX/XX/XXXX after reviewing my credit report I noticed an delinquent/collection account, of which I had no previous knowledge of appearing on both my XXXX and XXXX  credit report. The balance owed is reflected as {$1700.00} while XXXX reports the debt type as 'credit card, ' XXXX reports the debt type as 'installment. ' I immediately sent correspondence dated XX/XX/XXXX, ( see attached correspondence ) to the Wilshire Consumer asking them to follow FCRA requirements and validate the debt with a 'wet ink signature. ' I also requested any and all documents pertaining to the account that would further validate the debt in question. Additionally, I disputed the account with XXXX and XXXX. The results of the dispute returned as 'updated, ' as if Wilshire simply updated the account information. Unfortunately as of XX/XX/XXXX Wilshire Consumer has surpassed the 30 day timeframe instituted by FCRA, I 've received no response from Wilshire Consumer. 

Likewise, I contacted Wilshire Consumer via phone on XX/XX/XXXX and spoke to XXXX XXXX ( XXXX ) to request proof of the debt owed. I was told the information requested was available, however, 'originals ' would not be made available for my review.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (FL)

On XX/XX/XXXX I made a principal reduction payment in the amount of {$200000.00} to my mortgage being serviced by PHH. An initial letter received from PHH indicated that my new monthly payment would adjust to the lower amount with the XX/XX/XXXX payment. However, on a bout XX/XX/XXXX a representative from PHH stated orally by telephone that my monthly payment would be adjusted to the lower amount for XX/XX/XXXX if my principal reduction payment was received before XX/XX/XXXX. It is outrageous that PHH is allowed to hold my funds for 75 days before affecting my monthly payments and overcharging related interest.
Consumer complaint received 2017-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

I secured a loan with Santander in XXXX for {$22000.00} and have been paying {$550.00} which, total payments over {$28000.00} and was advised by the XXXX that I still owe over {$18000.00}. This company has been applying my payments toward interest stating it depends on what day the payment is posted that determine what will be applied to principle. I 've requested all payments and signed application and as of today, still have not received any correspondences from the lender. This is a very negative impact on my credit report and I 'm paying {$14000.00} more for a vehicle that is only appraising at {$6500.00}. I stuck paying back loan for additional year because of the hidden fees and misapplied payments. Unable to trade in vehicle because of the negative balance of {$14000.00}.
Consumer complaint received 2017-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Key 2 Recovery, Inc. (NJ)

I receive calls from a " XXXX '' representing " Keys to '' or " 2 '' looking for a XXXX XXXX who I am not. I have explained to this " XXXX '' several times over several phone calls that I do not know who this XXXX XXXX nor do I know how to reach him. 
I asked repeatedly told her to stop calling me as this is harassment. She previously stated that she would take me off her list but she obviously has not.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This account has a late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX XXXXXXXX # XXXX
Consumer complaint received 2024-11-02
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: EQUIFAX, 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 30 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 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I submitted all required documents to place a fraud alert, fraud account block on my report and equifax refuses to comply with the FCRA and/or FTC laws and placing this account block, every piece of information they requested was faxed and done twice, and this case is a refusal by this company, equifax to comply, and was told it was there policy, this is not a normal dispute, this is a serious matter that they are breaking laws and will face suit in XXXX XXXX, Mississippi within 15 days if they are not made to comply with the laws to protect consumers as which they are simply ignoring and are not made to abide by. I want this file blocked per ; The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

Hi. I 'm lodging a formal complaint against m & t bank. I made XXXX mobile deposits. XXXX for {$480.00}, and another for {$490.00}. The next day M & t puts a hold on my deposit, no problem. The problem is I had {$120.00} available which they held also. That money was for my son daycare now I 'm losing money at work because I have to stay at home and watch my son. I am requesting m & t close my account immediately and mail me my funds! I do not want to do business with a bank that will jeopardize my family because they XXXX XXXX  put a hold on my entire account instead of just holding the deposited funds.