davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I recently ended my residence with XXXX in XXXX, Washington. After vacating, the manager immediately sent the balance to collections, rather than using the deposit insurance policy XXXX sold me in lieu of making a deposit payment upon move-in. The manager in question, XXXX XXXX, has repeatedly harassed me by retaliating for XXXX accommodation requests ( including an eviction attempt for requesting an accommodation, and a rent hike attempt after the eviction attempt was overruled by the apartments ' holding company ), and made no attempt to contact me or discuss the deposit insurance after termination of residency, though when I filed my 30 day 's notice, her office clerk, XXXX, assured me that the insurance covered up to {$1000.00} in damages to the apartment. I am currently filing complaints of XXXX discrimination on the basis of retaliation and am attempting to dispute the collection debt which has since appeared on my credit report.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (UT)

I received a voicemail yesterday, XX/XX/XXXX, from the phone number XXXX. The gentleman said his name was XXXX XXXX from XXXX XXXX and XXXX, and that they were preparing a preliminary Civil Claim with my name and information attached to it. And if I did not contact them immediately that they would be filing a Civil Suite , on behalf of their " clients '', and that they would give me the opportunity to give a statement. 

I immediately contacted them and I was sent to a pre-recorded message. I left a message and asked what the claim was, who the claimant was, and that if they could email me the information so I could share it with my attorney so we could respond accordingly. About 15 minutes later I received a call from another individual, who went through a very odd verification process to validate I was who I was. After that, she continued to threaten me with a pending lawsuit. I stopped her and asked who was the claimant. She went on to explain that she works with a " mediation '' group that helps solves collections for their clients. I then asked who her client was, and she said that she could n't tell me, but that it was an old debt from XXXX XXXX XXXX. The only XXXX card I ever had ( beside my current one ) was for a business that I was involved with years ago, and since has closed. At one point, that company did have a XXXX XXXX card, so I asked her if this was a corporate account. She said yes, but I personally guaranteed it, something I NEVER did. As I started to ask more questions about the account, when this account was active, etc., she became irate with me and said do you want to take care of this or not. 

I explained that I do not recall this account, and that if there was an issue years ago, XXXX never got a hold of me. She started to spout of some laws that since this was a commercial account, and that I guaranteed it, and that the original creditor could not " get a hold of me '', that the Statute of Limitations started the second she spoke with me on the phone. She also claims the last payment was early in XXXX. I asked if she knew the laws in XXXX  about Statute of Limitation and she began to raise her voice and threaten me. I then told her she needs to send me all related documentation so I can forward to my attorney who would be in contact with her. She said she could not do that, but will send me a settlement letter, and then abruptly hung-up. 

Original voicemail is attached.
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

My mortgage servicer, Ditech has failed to send my mortgage statements to me for over a year. Ditech has been sending my statements and all other correspondence to my attorney despite several requests by bot me and my attorney. On or about XXXX XXXX, 2017, I sent Ditech a Notice of Error concerning this issue, but they have not corrected it. My attorney never told Ditech to send the statements to her and the previous foreclosure action, which was settled by way of a loan modification, has been discontinued, so there is absolutely no reason for Ditech to continue to send my correspondence to the attorney and not to me.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Arbor Residential Mortgage LLC (CA)

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY XXXX PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE XXXX CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I have overnighted on my account a cashiers check for XXXX I also listed instructions on how it should be applied and the fees I am disputing due the incompetence of BSI. They were charging fees with no explanation. Claiming I owed XXXX which I did not and my account should be fully reinstated which it is not as well as of yet. The check was signed for on XXXX/XXXX/16 and I requested my SPOC XXXX XXXX contact me and he has not. There should be XXXX lawyer fees as I appealed the loan mod denial and they claimed I did not and illegally filed a NOD violating CHBOR. Stated I had excessive obligations yet I was able to pay this did not offer any other options and were not thorough on how they are handling things. These violations have been taken to attorney. BSI is illegally handling loans and I have been proving it. Everything is also now being sent to FDIC as well as copies of cashiers checks to XXXX whom they claim I owed nonsense money too. XXXX actually owes me for excessive forced place insurance which was proven in lawsuit already. BSI needs to rescind the NOD immediately and have yet to do so. I am attaching copies of check and letter.
Consumer complaint received 2017-08-30
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. (TN)

My
name is XXXX XXXX XXXX. I have a twin brother by the name of XXXX XXXX whose information is appearing on my report. I have contacted the credit bureaus : XXXX, XXXX, and Equifax to resolve the matter. Equifax submitted the dispute but responded that all the accounts belonged to me which is not true. Equifax has refused to use documents from the creditors to support my dispute. Equifax has also blocked my file permanently so my employer has been unable to pull my credit to make me eligible for my securities license. Since I ca n't get my securities license, I can no longer be an Agent with XXXX. I 'm also unable to close on my home. I did not renew my lease so XX/XX/XXXX, I 'll not only be jobless but homeless.
My mother died after giving birth to my brother and I. Luckily she named us similarly because we were separated and adopted by different families. She was a drug user so the cause of death has n't been fully explained. We have no idea who she is.
My brother and I not only have different names but different social security numbers as well. I would greatly appreciate if you all would request that Equifax remove the files from my credit report that were not only deemed fraud back in XX/XX/XXXXbut also remove the items that are attached to my brothers SSN.
I also believe that they purposely and maliciously disputed information in my brother 's name so that all accounts could and would be verified. The reason why I feel this way is because all of my brother 's creditors are sending him letters to MY address in regards to a dispute. My brother did n't dispute the information so why would the letters say XXXX XXXX instead XXXX XXXX XXXX if I 'm the one who requested the dispute via Equifax? Refer to the document attached labeled XXXX.
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear CFPB, I want to file a formal compliant against Capital One Bank XXXX XXXX. In 2016 I was having a lot of issues receiving my statements at my address and I had informed of this. We could n't figure out whether my statements were getting lost or stolen. I had informed them of my concerns and I was told that I would have no issues. The many times this happened I called in to make sure everything was alight and I was told nothing would be reported and my payments were made even though my statements were being delayed and missing. But sadly I noticed that in both XXXX and XXXX of 2016 they had reported me 30 days late, knowing my issues. I just ca n't understand why they would lie to me and tell me I would have no issues with my credit reporting and yet here they are. Unfortunately I am seeing this now and my heart is broken. This is not my fault, CAP ONE was in the know and please investigate this and please have them correct those two months that are showing me as past due. I ca n't understand why they would refund my fees and such and yet still report me even though their representative said I would not over lost/stolen statements. Since then my issues have resolved an dI would like to have this information corrected please, it has caused my score to drop tremendously and I am so very worried.
Consumer complaint received 2016-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have submitted several " account verification letters '' to TransUnion about accounts that do not belong to me, and I have no knowledge of. I have asked the credit bureau to provide me with their verification method as well as verification that the account belongs to me. The credit bureau just sends me a letter that states " verified '' without any other proof that the account is mines. 

Account : XXXX XXXX
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

i requested a re-investigation of the bankruptcy on my credit report and was told that it was verified through XXXX. XXXX only shows the last 4 of a social security number. I also verified this through the bankruptcy court, in order to make sure that the information is ie : the correct full social security number, is to request a court order through the Bankruptcy court, which was not done, and that is where the error is. FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Credit reporting  agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unbelievable- they send me a letter telling me they correct their error because the address was right for years then they made the error- Ok then they send me a notification at the correct address stating that change was made- one would think mission accomplished. Not with them. Today a letter at the wrong address telling me - get this- they corrected the address? Who is handling my information some off shore entity that does NOT comprehend English? We have undergone severe financial impact and hey can not get it right yet!
Consumer complaint received 2016-12-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Resurgent Capital Services L.P. (LA)

Having financial hardship after XXXX, I fell behind on my XXXX credit card. When I became financially sound, I negotiated a auto payment plan with XXXX 's collection agency. 

However, after a year of auto payments, unknown predatory collection company LVNV Funding LLC bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called XXXX and said the debt was discharged. 

LVNV harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this XXXX I was wrongfully sued by a predatory law office XXXX who works for LVNV. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (FL)

XXXX XXXX XXXX ACCOUNT # : XXXX. Company of XXXX. XXXX XXXX XXXX XXXX, FL XXXX. Phone : XXXX XXXX My name is XXXX XXXX XXXX XXXX. In the past I had the service with XXXX, XXXX years of contract which I finished but I still had the service out of contract, after a few months I called a XXXX agent to offer HD on my television and several times insisted with the offer while, I reiterated that I did not want any more contracts, that it was okay, I remember that I told her that my television looked perfect and I did not want the HD, she insisted, because I remember well that it was a woman and I told her that I did not want anything, She wanted contracts and she answered that it was free, that it was not a contract, to which she replied : If you want to give that service free, it 's fine, but I do not want contracts. This whole conversation was in XXXX. From there I continued with the service until I went to see the offer of XXXX, which by the way was unsurpassed by any company, included high speed Internet with television, including 3 months with free PPV channels, XXXX, XXXX, XXXX, XXXX. All this for a price of {$44.00} including taxes without a contract for XXXX year. After deciding on this option I called XXXX to disconnect the service and I learned that I had been awarded a contract, which I did not do at any time, nor gave such consent verbal or written, and I can only think that whoever awarded me the contract Contract made fraud to win the commission of that contract. The XXXX Costumer Service informed me that for breaking a contract that I never had to pay 200 and some dollars plus the amount of equipment, equipment that I returned and after calling to discuss the fraud told me that they had received them but that Now continue to charge you through a collection company to which XXXX, you, sold the liar and false debt. That same company has reported me to the credit bureau and in any case, although I report to XXXX to the Federal Bureau of Commerce for fraud and dishonest practices against the consumer, in the credit bureau have not been able to remove that report despite my insistence, That being said, it is my right to require directives from XXXX verbal or written evidence where you state that I gave my consent for a " HD '' contract. To send them to the growing office, or XXXX withdrew that fraud or if not, if they do not remove that fraudulent attempt to collect I will direct to file a police report against XXXX for consumer fraud or I will go in person to any other Office of the State of Florida or XXXX XXXX County to file a complaint. It is a lack of respect that they award fraudulent contracts to consumers and I demand that all indications of connection with XXXX and myself are deleted absolutely.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP (NC)

XXXX XXXX, 2015 I paid XXXX XXXX XXXX {$6800.00} to reinstate my mortgage included was attorney fees of almost {$1600.00} XXXX XXXX, 2015 I received a notice that Selene was to be my new mortgage service provider. 
XXXX Selene sends a statement saying I owe legal and attorney fees about {$1600.00} Selene showed a statement from XXXX XXXX XXXX stating {$5100.00} was paid to reinstate my account. No one knows where my other {$1600.00} went to.? I filed a complaint to the NC Commissioner of Banks last year. I faxed and copied/mailed all my paperwork from XXXX XXXX XXXX to Selene. They requested info themselves and were given different info. I PAID that {$1600.00} again to Selene at my closing XXXX. How could I reinstate my loan without paying legal fees??? I truly believe all the paid postings and passing me over to Selene the same time I reinstated my loan, that the mail, payments, etc crossed in the mail. Thing is XXXX XXXX XXXX should have fixed this with Selene. 
Please help me. XXXX XXXX XXXX screwed me over the last 6 yrs or so in a greedy loan modification. Thousands extra $ $ spent. That is another story I will never recoup from. I have a huge stack a paperwork but in only a few pages prove I paid the legal fees with XXXX XXXX XXXX and that Selene double billed me. I am trying to get my money back from Selene, with interest if possible ... .. This bank has been nothing but rude and ugly with me. A few weeks ago, XXXX told me the legal team that handled the reinstatement. When I contacted them, they told me they had no track of that and my name and address. I am not able to upload Doc but will gladly fax or send you copies. I had Selene as a mortgage co for 2.5 months. I sold the property in XXXX 2015. Please help me
Consumer complaint received 2024-10-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NC)

Opened a Wells Fargo credit card with a company, XXXX XXXX XXXX. I opened the card in XXXX, when I opened the card we discussed the due dates since I am retired military and on a fixed income. I was assured it would not be a problem. I recently discovered they were charging me a {$40.00} a month late fee every month since XXXX. No one ever contacted me and when I logged in to pay my bill, it never showed it was late. I payed XXXX a month every month so I did not notice because my payment was around {$170.00} a month. Once I realized it, they only returned {$500.00} of these fees. My account would have been paid off a year ago had they not charged these fees. They would not work with me any further and I had to pay more money to close the account and stop the fees. They told me there was no grace period for late payments and they don't notify people when payments are late month after month. This can't be legal. Seeking guidance.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENTS, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS TRIED THEIR BEST TO HOLD ON TO WHAT I HAD CREATED AND WITH ALL THE DIFFICULTIES THEY HAD TRIED THEIR BEST TO MANAGE TO MAKE PAYMENTS AND BE THERE FOR ME. 
I TRIED TO CALL THE XXXX CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARKS FROM MY CREDIT REPORTS I NEED TO REFINANCE THIS HOUSE AND HOPEFULLY GET MARRIED AND START A NEW LIFE. 
MY RECORD IS SPOTLESS EXCEPT THIS TINY TIME WHICH I WAS NOT AROUND AND WAS SUPPORTING MY COUNTRY. NOW I NEED YOUR HELP TO REGAIN MY POWER AND BEGIN A NEW LIFE. 
APPRECIATED
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Recovery Solutions, LLC (NY)

I get calls all the time from random numbers around the country saying there is a complaint against me. Sometimes they are recordings and other times they are people throwing out scary words such as " garnish, affidavit, etc '' Now they are calling my wife and my mother-in-law and this is why I have submitted my complaint to you. 


The most recent numbers are : XXXX XXXX I am more than happy to help you catch them!
Consumer complaint received 2017-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Sent a {$10000.00} check to Caliber Home Loans on XX/X/2016 and wrote on it " Apply to Principal ''. Never the less, they did not and according to my mortgage broker Caliber owes me approx {$5300.00}.