davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/2010 I sent SPS a letter and a copy of my XXXX orders to XXXX requesting assistance under the SCRA. My interest rate with SPS was 6 3/4 of a percent and they reduced my interest rate down to a mere 6 %. This was not in the spirit of the program. A reduction of {$90.00} a month is not helpful for someone leaving a XXXX figure a year career in the civilian world to earn approximately $ XXXX a year by being recalled to XXXX. Most XXXX I knew received interest rates down to 2 % and I think that is respectable. To add insult to injury I never got a {$90.00} reduction to this date almost 7 years later. 

SPS failed to recalculate my payments to reflect the reduced interest rate. I never received the second portion of the SCRA, which calls for diminished monthly payments based upon the interest rate reduction. It appears to me that SPS gave me a portion of the loan interest rate savings because the interest-bearing principal was {$460000.00} and then there was a deferred principal of {$210000.00}. This is not consistent with 50 USC app section 527. To date I have not ever been given any reprise from SPS under the Service Members Civil Relief program. They sent me a letter stating that they did give me some reprise but the numbers do n't add up. They have sent me 3 sets of financials over the last 3 months and there simply is not a reduction of {$90.00} anywhere to be seen. If they give me a reduction why ca n't they prove it? Where is it? Did it go to the wrong account? These are just a few questions SPS should answer!
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (SC)

I want to report two banks to the federal government. 
One, is XXXX. Routing number : XXXX Account number : XXXX. This bank sent me a check in the amount of {$2900.00} ( Found out it was a scam, fraudulent check ). BB & T, has the impression of the check that hit my bank. 

Two, is XXXX bank I attempted to pay this bank off, {$25000.00}. They tacked on fees and interest which they were blackmailing and extorting more money out of me. 

Thank you, XXXX
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My wife lost her job a few years back which made it very difficult to keep up with our bills. We kept paying our mortgage until our savings ran out and then we could no longer make the payment. We reached out to our lender for help but they would not help us. I now have a very good job and feel I can make the payments so I applied for a modification with Nationstar Mortgage. On XXXX XXXX, 2015 my loan modification was denied. By this time there was a trustee sale set for XXXX XXXX, 2015 and I was very afraid of losing our family home so I hired the XXXX XXXX XXXX to help me. They looked at the decline letter and found several errors in it. They sent in an appeal letter proving that I do qualify for the modification on XXXX XXXX, 2015. The reason for decline was negative NPV and the appeal letter stated that Nationstar did not provide full values used when calculating NPV so we could not fully understand the reason for decline. The appeal was denied on XXXX XXXX, 2015. Nationstar provided some of the NPV values but the list was still not complete. The XXXX XXXX XXXX is going to appeal again but I am so afraid that Nationstar will not do the right thing and modify my loan and I will lose my home. My house is still underwater. I am not asking for any principal reduction. I want to pay what I owe Nationstar. I am only asking for a 1 % drop in my interest rate to 3 % so I can have an affordable payment and will not default again.
Consumer complaint received 2016-05-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (VA)

Our HELOC agreement with BB & T stated " The initial Discounted ANNUAL PERCENTAGE RATE is 1.99 %. It also stated " The initial Discounted Annual Percentage Rate is in effect from the date of the Agreement through XXXX XXXX, XXXX. '' The date of our agreement is XXXX XXXX, XXXX. Yet on XXXX XXXX, XXXX, BB & T adjusted our interest rate to an APR of 2.24 %. I called a local office and was told that this was not an error. I then wrote their office in NC and received a phone message from XXXX XXXX ( sp? ) saying the same thing.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

Equifax responded to this investigation in a letter dated XXXX/XXXX/2016 Confirmation number XXXX. They are still claiming this account is a valid debt, and will not re-investigate any claim regarding a dispute to these accounts unless they receive relevant information to support my claim. Obviously they did not verify any of this information. I have provided sufficient documentation to have this account removed since the date listed on to their offices directly, and to date this account still remains on my credit report. This account being disputed is now listed as XXXX ... ( which is this exact same account that I disputed in this case ) as a negative item. 

They claim they have validated this debt, however per CFPB complaint number XXXX, and cfpb complaint number XXXX : I want the method of validation they used to obtain proof this is a valid debt and/or the deletion of these accounts from my credit reports. I have spoken to the original creditor and have a printed response from JPMCHASE which was attached to the original dispute in your office stating they no longer owed or controlled this account. I specifically wan the name and phone number with the extension of the person they spoken to. I will not accept and do not want any verification of these accounts through a third party or database, because it should not be there.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

THIS DEBT FOR XXXX HAS BEEN RESOLVED PER THE XXXX. THE DAYCARE DID NOT FOLLOW THE PROPER BILLING PRACTICES AND PLACED THE DEBT IN COLLECTIONS. THE DEBT WAS ALSO PLACED ON MY BANKRUPTCY TO BE REMOVED. IT HAS NOT BEEN REMOVED.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

My credit report is showing a vague public record owing {$920.00}. This information is inaccurate and the information does not belong to me. I have tried to dispute the information in the past including obtaining a police report for identity theft and and the information is still showing on Equifax report however no other bureaus.
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

While checking my personal credit report, I noticed unauthorized and fraudulent credit inquiries made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/XXXX on Equifax. I did not authorize anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ) multiple times. 
They were not legally entitled to make these fraudulent inquiries. 
This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiries immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX/XXXX/XXXX in case it is needed to locate the fraudulent inquiries in their system.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

Equifax has maliciously misrepresenting the above account as a personal loan when it is a credit card that I closed XX/XX/XXXX. I spoke with XXXX XXXX and they said they always report this card as a credit card, not a personal loan. The account was with The XXXX/XXXX. There has not been a balance on this account since XX/XX/XXXX!!! 
When I tried to dispute this on the Equifax site on line, I was not able to do so because the verification questions they asked apparently I kept getting wrong after they verified my credit file. Why can Equifax put fraudulent information on consumer 's accounts that is negative to their credit without anyone monitoring what they do? 
I also check XXXX and they are also reporting fraudulent information regarding this account. I paid it off XX/XX/XXXX, they state there was a balance of {$3500.00} from XX/XX/XXXX to XX/XX/XXXX. 
Experian reports it as an account is good standing - XXXX balance like it is still open? 
The main issue is Equifax and how they purposely misrepresent the truth without any consequence. I just do n't understand why this allowed to happen. They have a stronghold on consumer 's credit and use their " power '' to change credit scores, without any consequence. 
XXXX XXXX is providing me with a letter to back up that this was a credit card not a personal loan and that it has always been reported to the credit bureaus as a credit card. In fact, XXXX does show it as a credit card but Equifax decided today to show it as a personal loan. I checked the internet and I am not the first consumer who has had this issue with them.
Consumer complaint received 2015-07-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (IA)

In XXXX I received a letter from the law firm XXXX for demand of a XXXX account that I never opened. 
I wrote them a letter explaining that this debt was not mine and requested verification of the debt and more information about the account in which I never received. 
The first of the year ( XX/XX/XXXX XXXX I started receiving harassing phone calls from this debt collector on my cell phone ( which to this day I have no idea how they got that number for I never gave it to them ). 
On XX/XX/XXXX I received a letter XXXX notice to cure ) from the law office XXXX stating that I failed to make the agreed payments and was in default. First off, I never agreed to anything or entered into any type of contract with the law office XXXX or their client Cach LLC or the cited original creditor of XXXX. Secondly their citing the date of the last payment was about 4 1/2 years ago and I have never paid anything on this debt. They sent me two different letters one demanding a payment of {$4600.00} and another letter demanding payment of {$1500.00} XXXX XXXX letters arrived on the same day ). 
I am on XXXX food stamps and own nothing so even if these debts were mine ( which their not ) I could never come up with that kind of money.
Consumer complaint received 2023-07-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (WA)

Harley-Davidson Financial Services began calling multiple times a day within 7 business days of a late payment. This is a clear violation of the Fair Debt Collection Practices Act 806. Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Below is a detailed call history and the numbers that the calls originated from : XX/XX/XXXX XXXX PST XXXX XXXX XXXX PST XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PST XXXX XX/XX/XXXX XXXX PST XXXX XX/XX/XXXX XXXXXXXX XXXX PST XXXX XXXXXXXX XXXX PST XXXX XXXX In addition to the multiple calls that I receive daily, the debt collector does not leave voicemail messages to identify who called.
Consumer complaint received 2023-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (FL)

The 11 District Circuit Court bankruptcy division is XXXX XXXX XXXX XXXX XXXX XXXX. When you appear to court for mediation you are instructed to sit in the out in the lobby and wait on the attorney. They let the creditors have a field day with the consumers, many who do not speak or understand English. I saw an attorney asking random people to interpret for him. During this mediation no judge or court personal speaks to until after you have been misled or intimated by the creditor 's attorney. I told them that I wanted to go to trail but I was told that I would have to attend another virtual mediation before I can go to trail. 

I received the court documents in the mail of the court appointment, but not the information for the meeting. I had to research how to get to the Judge XXXX  meeting. Thank XXXX  I am tech savvy because I had to find the information out for court website and I was in the wrong courtroom for a minute because there are two judges with the same first and last name. Once I was on the right page it told me to wait and someone will be with me in a minute. That never happened so I found the number to the judge ' clerk and she was able to give me the information. I made it to the meeting 5 minute late. They seemed very surprised to see me and I told the mediator that I never received noticed. She than asked me how did I get the information.

They court and the creditor both had been informed electronically but they lied and said that my appointment was physically delivered. I have proof that the mediator typed and mailed the later no earlier than XX/XX/XXXX as dated on the letter and sent it regular mail. My court date was for XX/XX/2023. Any competent person would know that it was a possibility that I would not receive notice in time. I also have proof that I did not receive the letter until after the court mediation was scheduled. I feel that this was intentional and needs to be investigated The main reason for my complaint is that the letter stated the it was physical deliver which is not true and the mediator seemed to have made it impossible to make the meeting and during the meeting she seemed to not understand my position and sided with the creditors. 

I told her that there are payment there that they said I made and I did not make those payments and offered my bank statement as proof. The creditor and the mediator response was why am I worried about someone making a payment for me? I responded that if someone put money in your bank account are you going to worry about who has access? 

I am submitting this complaint because I know that I am not the only victim of this tactic. I feel sorry for the people who show up without representation and who is poorly informed of the legal system.
Consumer complaint received 2015-09-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP (CA)

My wife and I took out a loan over twenty years ago with the XXXX XXXX XXXX to help our son start his own business. Interest only was paid on this note for approximately 15 years during which time US Bank purchased XXXX XXXX and our note. Our son faced difficulty in the construction business plus XXXX of his young children developed XXXX health problems. I continued to pay this note and never missed a payment, even after a terrible down turn in the economy in 2008 which affected us greatly. I am a veteran XXXX years old and my wife is XXXX. It became impossible for us to make anymore payments living on our fixed income. The note was {$120000.00} - we paid {$1200.00} per month for 180 months ( totaling {$210000.00} ) plus {$50000.00} on the principal - so over the 20 years of making payments, we have paid back {$260000.00} on a {$120000.00} note. US Bank is trying to collect an additional {$75000.00} ; however, this is impossible for us. We have attempted to settle the debt for as much as {$7000.00} ; however, US Bank will not accept what little money we have left. I do not see how this is right considering the amount we have paid on this debt, in addition to our settlement offers in good faith to resolve the matter.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (WI)

My US Bank XXXX XXXX credit card offers 5 % cash back every quarter on categories that I choose. For the XXXX quarter of 2015, I choose electronics as XXXX of those categories and made a purchase in the amount of {$1900.00} at XXXX based on receiving 5 % cash back for this purchase. XXXX is specifically listed on the US Bank XXXX XXXX rewards site as " popular merchant in this category ''. On my recent statement, US Bank is only crediting me the standard 1 % cash back. Upon contacting US Bank, they explained that I was n't eligible for the additional 4 % because the merchant coded their transactions as Catalog Merchant rather than Electronics. While I understand that US Bank ca n't be held liable for how a random merchants codes their transaction, by listing them as an example of a merchant in that category, they are falsely implying that transactions with that merchant will receive the 5 % bonus ( despite the fine print that they ca n't guarantee a purchase will qualify for 5 % rebates ). US Bank has not done their due diligence to verify that their list of example merchants is accurate and as a result is deceiving their customers. This deception affected my purchasing decision. I would not have made this purchase without the promise of 5 % cash back and as a result have been injured in the amount of {$79.00} in lost rewards.
Consumer complaint received 2016-12-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (FL)

XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BARCLAYSBK or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BARCLAYSBK or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I owed a small amount on my account to Walmart, I was late on a payment so I decided to pay it online on the Walmart website. Their online bill payment site gives you an option to schedule automatic payments to pay off your bill, so I decided that 's what I would do so that I would not forget to pay my bill again. I scheduled the payments to come out of my checking account automatically every month, and I figured that would pay off my bill, so I was n't concerned with my statements from Walmart since I was paying off my bill automatically, and I noticed on my checking account statement they if fact had been making a monthly withdrawal. Several months after my auto payments scheduling, I received a letter from a credit collection agency that my Walmart account was placed with them due to non-payment. I have called Walmart several times in an attempt to get answers, because I was unaware that I would be getting late fees from them and would be reported for non-payment, the only information I was given was that their online payment scheduling is completely voluntary and that I still needed to pay the minimum amount due. I understand that the payments I scheduled are voluntary, however it is very misleading, I never read anything on their website that disclosed late fees and that the amounts I scheduled for auto payments would not reflect on my account. I now owe twice as much to Walmart due to late fees, if I had known my auto payments would not pay off my account and I would be reported to a credit agency, I certainly would not have set up this so called payment schedule.
Consumer complaint received 2016-02-16
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (SC)

I applied for a QVC credit account and was approved shorty after placing a order for one of there items without notice my account was closed without any notification to me. When I called the representative stated I owed a passed due balance of {$37.00} and this would need to payed before my account could be reopened. After giving them my debit card number to pay the outstanding balance QVC has not responding on reopening my account that they approved me for in 2015. I would like them to know that closing account can cause damages to my credit and I the customer was not notified of the closing of my account of given a chance to pay the balance before closing my account.