davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.
Consumer complaint received 2015-11-03
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Hollis Cobb Associates (GA)

I advised them on XXXX separate occasions NOT to contact me and that I needed verification of the debt. They have continued to call since these notices ( more than XXXX times ) AND never verified the debt. Since they did n't provide verification of the debt within 30 days, they can no longer collect from me. They also now owe me for EVERY call they 've made to me since I told them not to call ( I have confirmation of my contact ). These were also robo calls so I am owed for that as well. I want them to pay me for all the calls they made after being told not to.
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-11-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CSO Financial (CA)

I received a summons and complaint from a process server stating I was being sued by CSO Financial , Inc. C/o XXXX XXXX XXXX ca bar # XXXX. I was server at my place of residence where I have resided for almost two years. Attached to the complaint is a letter mailed to a address other than mine. I never received and letter to my place of abode. The plaintiff never attempted to resolve this matter without taking action, but false claims to have in there complaint. The current and original creditor is n't listed on any documents and again no documents or communication was made with me. I was denied my rights to dispute.
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade continues to report fraudulent information to my tax file using information that is knowingly false and admittedly in dispute. Throughout complaint forums and other media, customers continue to have problems with Scottrade reporting false information to the IRS and refusing to correct it. I am suffering some the same failure and as a result have suffered significant damages. I kindly request Scottrade remove the information submitted to the IRS in accordance with my previously submitted letters.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (ME)

For over a year now I have been trying to get a refinance with Wells Fargo Home mortgage. Needless to say they played games with me. I got the State of Maine involved, and they are playing games with my representative. They do things like say they do n't have phone numbers, and both times they transposed the area code XXXX instead of XXXX saying that is why they did n't return calls. I can understand it happening to one of us but not both of us, separately? They send us forms, we fill them out and then 2 months later they say it is the wrong form, when its the form they sent us and there is no difference but the date at the bottom. It needs to be filled out again. They recently have raised my payment by {$3.00} and did n't tell me. I think they are supposed to send me a letter with the change I still dont know why. They held it and did n't apply it to the loan, this affects my credit adversely. They transposed my social security number on my loan causing more issues. I fax them paperwork and they lose it. My proponent from the State of Maine is very disgusted with them and has great notes. He has filed another complaint with another organization on my behalf. Its really bad. Currently I am employed by a private college, they have their way of doing things. the YTD earnings is not on my paystub. Wells fargo is being very difficult regarding this. I am NOT going to be able to change the entire university 's pay system to accommodate Wells fargo. I did get the the information in another document and I provided the phone number to the accounting department. Numerously I have submitted paperwork, and they come back wanting paperwork to prove the same thing I just sent them. For example, they asked me for a letter stating that I live on the property, I wrote the letter dated and signed it. I will bet they will reply saying they want more information on this in order to stall. The will only take submissions via Fax, EVERYTHING is very difficult. I get very emotional because this is my home I have raised my children in and where my husband died. They know I have equity and they want me to lose it so they get my equity. This complaint is for a refinance, handling of my payments and hardship refinance. this is the most frustrating process I have ever been through. I am XXXX my husband was in the XXXX.
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (GA)

RENT RECOVERY SOLUTIONS is a debt collection company that I have asked to remove debt from my credit report that I do not owe. Not only did they not remove the debt but they have it listed twice and refuses to correct this issue on my credit report.
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kimball, Tirey & St. John LLP (CA)

I recently pulled my credit report and noticed numerous violations of the FCRA and numerous state and federal laws that protect consumers. I also understand that about 89 % of all credit reports contain inaccurate, misleading and unverifiable information on them. It has also come to my knowledge that systems used by the credit bureaus such as XXXX XXXX do not protect the consumer as well, they just allow some companies to verify a debt whether or not it is true. My credit file contains a public record/judgment that is NOT verifiable and does NOT belong to me. I have already made several attempts with this company ( Kimball Tirey & St. John ) to provide proof that this debt belongs to me, to no avail. It was also brought to my knowledge that the court houses do not report, nor verify this type of public record with any collection agency nor have they ever reported such information on any consumer. This is really disturbing to find out that the collections companies like this XXXX lie and falsify documents to credit agencies to make a quick buck. It is my knowledge that these violations are punishable in a court of law by {$1000.00} per violation. This does n't even include court fees, attorney fees and punitive damages that a consumer may seek to hold the company in violation of fraud for lying and falsifying these misleading documents. After contacting several different FCRA attorneys willing to seek these damages free of charge, I choose not to ( for now ) but would like to resolve this in a civil matter.
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (CA)

XXXX XXXX XXXX has been trying to collect a debt for over {$1400.00} for cell phone service that I am not responsible for. I have contacted them on many occasions to explain that this is a fraudulent account and have requested that it be cleared and removed from my credit report.I do not know the origin or the phone numbers associated with this account.I currently have an account with them that was opened AFTER this debt was incurred.They refuse to remove this debt as being my responsibility.
Consumer complaint received 2015-11-03
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CCS Financial Services, Inc. (TX)

" Credit Collections '' at XXXX continues to call my numbers multiple times per week after I have written, submitted online requests and verbally informed them that the person they are attempting to collect a debt from XXXX my ex, XXXX XXXX XXXX moved out in 2010. I have informed them he can not be reached at my numbers XXXX XXXX, XXXX XXXX multiple times but they continue to call repeatedly. I.e. last Tuesday they called 5 times between XXXX and XXXX, then called twice on Friday afternoon while I was trying to work. I have zero responsibility for my ex 's debts and am tired of this company harassing me even after I gave them his new number.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX has been trying to collect a debt for over {$1400.00} for cell phone service that I am not responsible for. I have contacted them on many occasions to explain that this is a fraudulent account and have requested that it be cleared and removed from my credit report.I do not know the origin or the phone numbers associated with this account.I currently have an account with them that was opened AFTER this debt was incurred.They refuse to remove this debt as being my responsibility.
Consumer complaint received 2015-11-03
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (IL)

I purchased XXXX gift cards from XXXX. When I tried to use them later my purchases were declined. I checked my balance on each card and they had all been used up. I immediately contacted XXXX for assistance and they told me they would take 4-6 weeks to investigate and get back to me. They also asked me to send in multiple documents and proof of purchase. I did all that. 

As of now I 've only received the funds back on only XXXX of the cards. I 've tried asking for updates on the other XXXX cards but I still get quoted the same line : " please wait 4-6 weeks for our investigation to finish. '' When I tell them that I already did, they do n't have much to say, but apologize that " they understand. " I do n't know why it 's so difficult to get in touch with the appropriate people at Blackhawk. The only number I have reaches people who never know what 's going on and simply tell me to sit tight. Is this how consumer protection works? I sent in all the documents they asked and did so properly.
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (CA)

XXXX XXXX XXXX keeps trying to collect a debt for an account of which I have no knowledge of.I have never lived at the address where they claim services were provided nor do I know anyone who has.
Consumer complaint received 2015-11-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Wells fargo has harassed me by calling me at home at least XXXX times a day and at work at least XXXX times a day, They take payments and place them in " unapplied funds '' for extended periods of time allowing the mortgage to become late and charge me a late fee. 

after several demands to stop calling and a cease and desist letter they are still calling several years later even when the loan is current
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (SC)

Our income has decreased since buying the house and now we have been facing difficulty paying our mortgage. We have requested a loan modification from Chase several times and been denied. Our current interest rate is 8.5 %. We have 15 years left with a principle of {$38000.00}. Why wo n't the bank lower our interest rate?
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Franklin Credit Management Corporation (CA)

On XX/XX/XXXX notification was sent to me via XXXX party of a NOD that was listed on my property, which is my primary residence from Franklin Credit Management Corporation. I was not notified of such NOD via registered letter as required by law. 
I have made request for modification in accordance with XXXX, Ca. Franklin Credit Management Corporation has not responded to a letter I requested several documents in a letter dated XX/XX/XXXX as well as letters dated XX/XX/XXXX. These were all RESPA, QUALIFIED WRITTEN REQUESTS which have not been responded to within the 20 days.
Consumer complaint received 2015-09-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Phoenix Recovery Group (TX)

Landlord ( XXXX XXXX XXXX . ) did not provide notice to tenant ( XXXX XXXX XXXX ) upon the XXXX day from move out day to the forwarding address she provided upon move-out on XXXX XXXX, 2014. Landlord then sent amount directly to a collection agency who only provided a bill as a method of validation. We have asked the collection agency to provide the certified letter attached with the return receipt with tenant 's signature that she received notice that landlord was seeking an amount in damages. Tenant who is XXXX years old and who lived in the apartment for 8 years, disputes the entire amount sought by landlord due to their failure to provide notice and the fact the items seeking reimbursement ( vinyl, resurfaced counter-tops, and a blind ) are all items with normal wear & tear.
Consumer complaint received 2015-09-12
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

To Whom It May Concern, On XXXX 2015, I accepted a retention offer for my Citi AAdvantage Executive World Elite MasterCard of {$250.00} to offset the {$450.00} annual fee. The offer stated that I will receive a {$250.00} statement credit after I spend {$3000.00} in eligible purchases each month for the next three months. Please see the attached letter for the confirmation of the offer. I proceeded to spend {$3100.00} on XXXX XXXX, 2015 and {$3000.00} on XXXX XXXX, 2015, as indicated by the attached XXXX and XXXX 2015 statement with the corresponding dates and purchases highlighted. In the first half of XXXX, I spent {$3300.00} as indicated by the attached XXXX 2015 statement with the total purchase amount highlighted. Since it has been more than two weeks since I completed the offer and I still have not received the statement credit, I called Citi customer service today ( XXXX XXXX, 2015 ). 

I told the first agent my problem and she reviewed it and then briefly mentioned that I did not meet the purchase requirement before transferring me to another agent who could help me. The second agent confirmed, took a look at my account and mentioned that I should be receiving the statement credit in two to three weeks. I brought up my concern that the first agent mentioned I did not meet the purchase requirement. The second agent reviewed the purchase, did some calculation and came to a conclusion that I did not meet the purchase requirement. After pointing out the purchases I highlighted in the statements, the second agent mentioned that the calculation is done by " periods of 30 days '' ( e.g. XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, etc. ). 

I disagreed with his assessment considering nowhere in the attached offer letter is written the calculation would be done using that methodology or period. Any reasonable person would interpret the written offer as " spend {$3000.00} each month for XXXX, XXXX and XXXX to receive {$250.00} statement credit ''. In fact, the letter is dated XXXX XXXX. The second agent was adamant about his assessment and we were on a standstill. He tried to " meet me halfway '' by offering {$100.00} statement credit but I did not feel it was fair and rejected his offer. 

Please assist in resolving this issue. 

Thank you.
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen, the " debt collector/mortgage servicer '', is taking money in escrow for flood insurance but refusing to pay the flood insurance on my property. Additionally, they refused to close my escrow account saying that my flood insurance is n't paid, yet I have faxed to them twice my current/paid flood policy declaration.
Consumer complaint received 2024-08-27
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-09-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was visiting the annualcreditreport.com site to get my FREE credit report ( s ) on XXXX/XXXX/15. I selected TransUnion and instead of going to my report I was sent to a " Credit Monitoring '' page for a sells pitch. 
I understand that credit monitoring my be of interest to the general public, however, I could not even get to my FREE report. I was NOT allowed to opt out of the sells pitch and retrieve my FREE report. 
This blunt sells tactic has resulted in poor customer service and smacks of a " bait and switch '' scam. I have absolutely NO interest in making a purchase from TransUnion. 
As I understand it, the federal government sanctioned this site for the general public to interface with the XXXX major credit repositories ; thus allowing access to our credit reports. This site ( XXXX ) is NOT intended to be a sells promotions tool for these companies. This type of behavior needs to be STOPPED!
Consumer complaint received 2015-09-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

Sir/Ma'am, I 'm currently serving in the XXXX XXXX XXXX . I 'm hoping you can assist me in the short sale of my home XXXX AZ. 

Due to military obligation I moved from XXXX XXXX XXXX XXXX, XXXX to XXXX location for XXXX year in XXXX XXXX. After my XXXX year XXXX XXXX XXXX sent me to XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX. 
While I was deployed for a year my wife and family continued to live in thehouse in XXXX XXXX. Right before my return to the states we decided to putthe house up for sale in XXXX XXXX. We moved out of the house at the end XXXX and headed to XXXX XXXX. During this time payments were made onthe house yet there were no offers. Around XXXX XXXX I requested to do ashort sale through our lender Wells Fargo because I could no longer continueto maintain XXXX house payments. We are currently living in base housingwhich cost about {$1400.00} a month and the mortgage in XXXX is about {$1400.00}. 
I owe about $ XXXX on the house and we were offered a rather low offer butthe bank denied the offer and said they need a minimum of around $ XXXX tobreak even. To my knowledge this is not what a short sale is all about. Notto long after that we were offered $ XXXX on the house. The offer was sent upto Wells Fargo but they did not reply after 3 weeks and the buyers backedout because they took too long. Now my realtor says there is another offerof $ XXXX on the table and I feel like this will fall through. I 've sentWells Fargo all the required information ( finances, justification, etc ) inregards to doing a short sale. The house has been on the market for almost19 months now and I 'm at loss right now. The longer this takes the worse itwill get. Wells Fargo has been less than helpful with a short sale. It seemslike every other month or so we have a new point of contact and no one wantsto talk to me or my realtor. This is the short side of the story if you haveany questions or options I would appreciate any help you can provide. I'mcurrently XXXX and will not return until XXXX XXXX. 
Thank you for your time.
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

We had a contract on our home as of XXXX XXXX, 2015. In which we submitted to the investor ( XXXX ). They accepted the terms and at the time it showed that we had initially submitted the offer to them on XXXX XXXX, 2015. XXXX had it with them for 8 days up until that point. Also during that time it showed a " Projection Foreclosure Date of XXXX/XXXX/2015 ''. The purchaser decided not purchase the property and my agent notified the servicer, Nationstar and the investor XXXX. On XXXX XXXX, the negotiator sends my agent a message through equator that marketing on the property will end on XXXX XXXX, 2015. My agent continues to receive messages through equator stating if there are any offers on the property, please upload them by XXXX XXXX, 2015. My agent continues to communicate with the negotiator on equator that no offers have been received and notified them on XXXX XXXX, 2015 to proceed to do the deed-in-lieu. 
On that day she proceeds to do so, but then notifies me to contact Nationstar. Nationstar informs me that it is too late, because foreclosure is scheduled for XXXX XXXX. At this point I am confused and frustrated with Nationstar because they have not informed my representative ( agent ) nor myself that is in jeopardy of being foreclosed on!