davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I am disputing the total amount outstanding on a home equity loan written by XXXX and serviced by Specialized Loan Servicing ( SLS ). I have been trying unsuccessfully to get a transactions history on this account and a copy of the original note for more than two weeks now. My understanding is that XXXX still holds the home equity loan ( I receive my tax documents from XXXX ) but that SLS handles payment, customer service and account inquiries for XXXX. I called XXXX regarding the account history and original loan documentation, I was informed that they could not help me and I would have to contact SLS. When I contacted SLS more than XXXX weeks ago, the representative I spoke with said that she placed an order for the account history and original note paperwork, and I could expect to receive it via USPS within a week. When I called SLS back today to inquire as to the status of the history and the copy of the note, I was informed by a different representative that the initial request made two weeks ago was " invalid '' and nothing had been ordered. When I asked why I was not notified, she indicated that it was not their policy to advise customers of invalid orders, she was sorry for the delay, but there was nothing she could do except try and submit the request again, which could take an additional two weeks for processing and delivery. I explained to her that the loan was coming due in 45 days and I needed this history, along with a copy of the original note from 10 years ago, as soon as possible because I was disputing the amount outstanding. She reviewed my account, and provided a verbal history of the account : when the home equity loan was originated, the initial draw amount, the interest rate, etc. The original draw amount and interest rate did not align with my recollection, and I indicated this to her. She responded by saying that she was " not in the business of falsifying documents '' ( I never suggested that she falsified any documents - I simply requested information about the account ) and my recollection must be incorrect and my records were incomplete, otherwise I would not be requesting a copy of the note and the history in the first place. 
I do not dispute that there is a balance on this home equity account. I do, however, dispute the total amount outstanding, the adjustable rate ( my recollection is that the original note was for a fixed rate ), and the fact that SLS is characterizing the loan as a HELOC - my original understanding was that this was NOT a line of credit, and I would like to see all transactions ( payments and draws against the line of credit ) to verify the amount outstanding to pay off and close this account. I am simply asking for information about my account, and SLS is making it extremely difficult to obtain this information.
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NV)

First American Title located in XXXX Nevada was the title company that had us sign our original Note and Deed of Trust dated XX/XX/XXXX with XXXX Mortgage on XX/XX/XXXX. Per the XXXX recorder 's office, in order to record documents, a person must bring the original document ( XXXX ) to the recorder 's office to be recorded or electronically record the original document with the recorder 's office. Per the XXXX XXXX electronically filed our Deed of Trust on XX/XX/XXXX, instrument # XXXX. This was XXXX days later! Now ; on XX/XX/XXXX, I contacted XXXX and requested to know the following ; XXXX, I requested to know when the title company sent the original documents to the lender, New Century Mortgage. 
XXXX, what was the date the original documents ( Note and Deed of Trust ) were sent to XXXX. 
XXXX, I requested to know which carrier XXXX used to deliver these documents. 
My attentions were to verify that our original Note and our original Deed of Trust was sent to New XXXX Mortgage prior to New XXXX Mortgage going bankrupt and selling this asset, Note and Deed of Trust to another investor! The information below verifies that New Century Mortgage was in possession of the original Note and the original Deed of Trust when they sold our Note/Deed of Trust! 
Today, XX/XX/XXXX, I received an email from XXXX reflecting that the documents were shipped with XXXX on XX/XX/XXXX, tracking number XXXX. Please review the enclosed document ( s )! This caused another issue regarding our mortgage! Apparently, XXXX sent our original documents to XXXX, XXXX days prior to electronically recording our Deed of Trust with the XXXX. Even though the Deed of Trust was notarized, First XXXX Title was not authorized to record a copy of the Deed of Trust! Per the recorder 's office, all mortgage documents that are being recorded must be recorded with the original document! It appears that XXXX XXXX XXXX XXXX have violated state law ( XXXX ) NRS XXXX requirements for recording certain documents relating to real property. 
Since XXXX XXXX XXXX and XXXX servicing mis-handled our mortgage account, we are investigating everyone that is or was involved with our mortgage. An investigation into this matter is warranted by XXXX and XXXX agencies. If any wrong doing did in fact occur by XXXX, XXXX must be held accountable for their actions.
Consumer complaint received 2016-07-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2016 my husband was involved in a red-light accident, through no fault of his own, in which the vehicle was totaled. This vehicle was leased with Capital One Auto Loan division. The insurance company paid fair market value to Capital One, leaving us with a {$2500.00} balance. We did not receive any information from Capital One and found that our online account had been closed. We contacted the bank and found that we have about 120 days to pay the remaining balance. I explained to the agent that this was not possible as this would raise our monthly payment to over $ XXXX/month, double the amount than our normal monthly payment, and that this would be a financial hardship for us. I asked for an extension, and was told that none is available and that once the time-frame runs out, the account would be reported to the credit bureau as a charge off. 

This is completely unfair. My husband was at a red light, and a teenager texting and driving slammed into our vehicle. My husband has sustained serious injuries and is frequently out of work due to the injuries. We have a young child in day care, and have our normal monthly bills to still take care of. I asked for a XXXX to call me back to see what could be done, and I have not been called back as of yet.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I paid my bills on time for tree years.change address and did not get the change amount inmy billing.and they never call me once.yet lied and said they call.and reported my me to credit beroue.i paid off the bill.in full today.neiman marcus, tryed to talk with them, but she was just rude.,
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I paid the monthly payment, online through Capital One 's website, in the amount of {$50.00}. The minimum amount owing was {$46.00}. The next morning when I checked my bank account, the site had taken {$1400.00} from my account! I called and was told there was a hold on the payment, since they thought it was " odd '' ... .but they could n't do anything about it, except put me in touch with a representative from my bank. My bank said they could dispute the charge, and reverse it, and that 's what I did. I then sent a payment of {$50.00} via a check, ( not wanting to go through that nightmare again ), which they received and cashed. Two days later I received a letter saying my credit card had been closed, but I still owed the balance. Then I get a bill from them for the entire balance, plus a late fee and over limit charge.
Consumer complaint received 2016-12-04
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

In XX/XX/XXXX I had a credit report run for a personal loan. A USAA account showed up on my credit report with a transaction amount of {$76.00} that was placed on this credit card account on XX/XX/XXXX. The account was subsequently noted as late and sent to collections. USAA has since closed the account. I had no knowledge of this account and/or the charge made in XX/XX/XXXX. The charge was also made in XXXX. I have been living in XXXX since XX/XX/XXXX. 

I contacted USAA and was informed that the account was opened in XXXX but no charges were ever posted to the account until XXXX. USAA was sending all information on this account to an address in XXXX so I had no knowledge of what was happening until a year later. 

I have contacted USAA at least 3 times and have been provided with varied information about how to handle the case. I wrote a letter to them and did receive 2 letters dated XX/XX/XXXX that the disputed charge may be unauthorized or fraudulent. One of letters stated, " we ' re transferring the matter to our Fraud department for continued investigation. '' I have not had any response in writing from them since. 

I called in XX/XX/XXXX and was told by a woman named " XXXX '' that nobody had investigated my account. She proceeded to inform me that I needed to file a police report in order for USAA to resolve this matter.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (GA)

Got repeated calls over the years about an XXXX bill from XX/XX/1981 at my brother 's phone in XXXX, FL which used to be my old phone number. So I called them at XXXX. They claim I have a {$570.00} debt from a phone bill in XX/XX/1981 from XXXX. They have been calling me and my brother every day since then. They even call him at work. I have not seen any documentation or any bills from this company. Just keep getting repeated calls from out of the blue.
Consumer complaint received 2023-05-09
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: FIRST HORIZON BANK (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tn. XXXX You are in direct violation of The Fair Credit Reporting Act ( FIRST HORIZON BANK ), has violated several of my rights.

15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not find an account without my written instruction.

15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-en consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you an indirect violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2015-12-04
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (WV)

Will not disclose information needed to settle medical bill. 

I have been contacted by RMCB regarding services rendered at XXXX. 
I have requested information regarding this claim to no avail. 
We have medical insurance that will cover this. 
If they are not able to submit the claim, they will need to provide me with all the information needed to do so. 

Thanks and XXXX Bless You
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NY)

After first communication from XXXX for {$13.00}, called as they suggested if I could n't afford to pay. When I called they said very quickly " I did n't qualify and had to pay ''. After that received DAILY letters threatening me with reporting to credit agencies. Wrote them numerous times stating I was XXXX years old, am judgment proof ( last letter certified and I have receipt ), yet letters and phone calls continued unabated. Hospital takes blood and I do not know where it goes. I have no say in the matter. They continuously threaten to discontinue services. As if it could get no worse, they have now handed it over to a debt collection service ( American Medical Collection Agency ) who began with their threatening letters in addition to XXXX. They are making me sicker than I am by their continuing harrassment. I do not answer my phone and have missed important calls in connection with my health. They know full well my age and health. The phone and mail is driving me crazy. Please make them stop or let me know what action I can take against this unscrupulous operator who has spent more on calls and postage than the money they claim I owe. Paperwork can be furnished on request. PLEASE HELP!!!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Subject : Formal Dispute of Fraudulent Collection Accounts on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute four fraudulent collection accounts that have recently appeared on my credit report. As a professional truck driver, I spend a substantial amount of time on the road, which limits my ability to monitor my credit report as frequently as needed. Unfortunately, this has resulted in my becoming a victim of identity theft, leading to these unauthorized collection accounts being reported on my credit file. 

According to the Fair Credit Reporting Act ( FCRA ), particularly Sections 609 and 611, I am entitled to dispute any information on my credit report that I believe to be inaccurate or fraudulent. These collection accounts are not mine, and I have never authorized them. I am requesting a thorough investigation into these accounts and that they be permanently deleted from my credit report if found to be fraudulent.

Moreover, I request that these deletions be processed in Metro 2 format, as required by industry standards. This ensures that the removal is permanent and correctly reflected across all reporting agencies. The FCRA mandates that credit reporting agencies maintain accurate, complete, and verifiable information on consumer reports. The collection agencies involved in these cases have not provided any documentation that includes my signed authorization, making these accounts unverifiable under FCRA guidelines. 

Given the circumstances, I request that : A full investigation is conducted regarding the legitimacy of the four disputed collection accounts.

All four accounts are permanently deleted from my credit report in Metro 2 format.

Confirmation of these actions is provided to me in writing.

Please be advised that failure to correct these inaccuracies could result in further legal action, as maintaining inaccurate or unverifiable information on my credit report is a violation of the FCRA.

I expect to receive confirmation of your receipt of this dispute and a resolution within the 30-day period mandated by law. Thank you for your prompt attention to this matter, and I trust you will handle this dispute with the seriousness it warrants.

Below are the fraudulent collection accounts that I would like to have permanently deleted : XXXXXXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX XXXX - {$930.00} XXXX. XXXX XXXX XXXX - {$1800.00} XXXX. XXXX XXXX XXXX - {$890.00} Sincerely, XXXX XXXX
Consumer complaint received 2016-04-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC (FL)

On XXXX/XXXX/2016, an unknown Phone # XXXX XXXX called me twice saying : " I have the last XXXX digits of your Social Sec. #, what is your Social Sec. #? '' I said : I do not know who you are! I do NOT give my social Sec. # to NO one! '' OnXX/XX/XXXX, XXXX informed me : " You have an account in collections ... '' Apparently, J H Portfolio Debt Equity claims " You are in debt of {$16000.00}, account openedXX/XX/XXXX '' I do not know J H Portfolio Debt Equity. I do not owe {$16000.00}! XXXX/XXXX/16, I received a letter from XXXX : " Your account # XXXX ... .has an invalid or missing Tax Id # ... Please provide your tax id #. '' I do NOT owe XXXX XXXX any money. I will not provide XXXX XXXX my id #!. These are fraud, scams attempts. My credit scores were lowered with XXXX, and XXXX XXXX credit bureaus. Please help! Thanks!
Consumer complaint received 2015-06-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ASTORIA BANK (NY)

Astoria Bank charged me an overdraft fee after they automatically overdrafted my account be charging an account fee of XXXX dollars and a periodic fee of XXXX dollars even though I had no money in my account. As a result of my overdraft they took everything I had when my check was deposited.
Consumer complaint received 2016-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services (NY)

I am in the public service forgiveness program and now they are telling me I am not in the right repayment. It has to be income based repayment, when I went home and looked at all my papers from 2010 when I applied. I applied for the income based repayment and application I have all the supporting information. EDfinacial is telling me none if my payment will be counted towards the forgiveness. They are trying to scam me. This is ashame that they do this to students who have debt and are working hard and they do this.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

My wife and I are closing on a new build and one of the preferred lenders that the builder has listed is Wells Fargo Home Mortgage. We went with Wells Fargo because they were the first to return our phone call and we were up against a time frame to get preapproved for our loan. 
Within a few days of us submitting all of our required documents for pre approval we received our letter from Wells Fargo stating we were pre approved and we were ready to begin the loan process for our new build. 
To date we have been working with Wells for 10 months and every couple of months they ask for updated bank statements, financials, etc ... However it was n't until 5 months before our anticipated closing that I noticed our loan office put in a loan requirement of a " Gift '' requirement from my father for XXXX. I immediately called and emailed the loan officer that we never discussed a " Gift '' amount to help us close and I also expressed my concern as to why this was showing in my file. A few days late I received an email back stating that they would update this in my file and that we were on schedule with everything, A few months go by and again I am asked for updated statements, financials, etc ... We send these off and two months later I receive an email saying we are short on your reserves and can I again send over statements, etc. We send these over and presume everything is good because we are showing what needs to be shown for financials. 
It was n't until last week ( 4 weeks before closing ) that we received a call that said we need to come up with XXXX more in cash to cover reserves. As you can imagine the frustration level started to go way up. Over and over again we asked to why we are just now finding out about this 4 weeks before our closing and the response from our loan officer was, " just go ask someone for the money '' or " go ask a parent or something '' So you mean to tell me this is your standard practice Wells Fargo? After stating that the " gift '' option was not an option they said, " we just need to show it and then you can return it to the person who gifted it to you '' Again we asked is this standard practice? 
Then we were told we can liquidate our XXXX. We asked if this is again a standard practice on how they treat their customers.
Consumer complaint received 2023-07-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (FL)

Original creditor is XXXX. I joined XXXX ' in XX/XX/XXXX. The agreed upon terms were a forgiveness of the original debt and removal from my credit files from all three ( XXXX, XXXX, and XXXX. ) The Collection Agency is Credit Protection Association of XXXX TX. I met XXXX terms in XX/XX/XXXX. It is now 15 months later and Credit Protection is still reporting this debt as 'OPEN ' unpaid on XXXX . They are reporting this debt as 'Closed ' paid on XXXX , and XXXX. They HAVE NOT removed the debt from any of the credit files, as per the terms I agreed to with XXXX originally. I have been declined credit recently because of this inaccurate reporting, reason stated 'Collections ' on your credit report. 
I have contacted Credit Protection Association twice via email, and numerous times by phone and have had no response from them. No one ever returns my communication.
Consumer complaint received 2016-12-28
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Bliksum, LLC (CA)

XXXX at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe LOANME INC. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.
Consumer complaint received 2015-08-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Finance Company, Inc. (GA)

Professional Finance Company is attempting to collect debts for XXXX and XXXX. I have never received validation of this debt, nor any proof that this debt is actually owed and I am responsible. Furthermore, for it even be possible for this debt to be mine, PFC would have engaged in re-aging. Re-aging is a violation of my consumer rights and the FCRA. Collection companies participate in this act to maximize their collection time. Failure to validate this debt is also a violation of my consumer rights. PFC can be held liable with fines for such activities.