davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diaz & Associates, Inc. (KY)

I 'm contacting you, asking for an investigation of Diaz & Associates , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX California XXXX.Because of my on-going Identity theft, I enrolled in an Identity theft monitoring service XXXX XXXX. On XXXX XXXX, XXXX my service notified me that a Major Derogatory mark, new account was opened and an address change took place on all XXXX of my credit reports, reporting by Diaz & Associates , Inc . I pulled all XXXX reports finding the new account was XXXX XXXX, XXXX to this notification, I never knew Diaz & Associates existed . Diaz & Associates, Inc. did not contact me by mail or any calls from their office, not providing me notice of debt. I found numerous errors on my credit reports caused by the data Diaz & Associates , Inc. is reporting to the credit bureaus. After consulting with a debt collection attorney, I demanded Diaz & Associates provide validation of the debt they was incorrectly reporting on my credit report. I wrote Diaz & Associates , Inc. by certified mail asking for full validation of the account and putting Diaz & Associates , Inc. on notice regarding all the reporting errors on my credit report. Diaz & Associates, Inc. replied by advising me how well versed Diaz & Associates , Inc. is with state and local laws and the FDCPA. In the same letter they tried to explain why they made so many errors on my credit reports. Diaz & Associates , Inc. also included an illegible copy of a customer agreement and disclosure statement dated XXXX XXXX, XXXX from XXXX XXXX stating that the customer agreement and disclosure statement authorize them to collect the non-validated debt on my credit reports. XXXX XXXX, XXXX I replied to Diaz & Associates by certified mail that I dispute any and all of their claim of the debt they were reporting. In the same letter I advised Diaz & Associates, Inc., that they violated my FDCPA rights under sections 809,812 and 807. XXXX XXXX, XXXX I was advised by the United States Post Office that the business was closed. USPS tried to deliver the certified letter for a second time again reporting the office was still closed ; leaving notification that the letter was waiting for pickup or reschedule. After a fifteen day holding period the certified letter has been returned to me unclaimed. How can Diaz & Associates, Inc. still be reporting this debt on my credit report if the office is closed? I 'm asking for resolution that Diaz & Associates , Inc. removes any and all reporting to my credit reports. I find their business practices be deceptive and should not be allowed to continue reporting the debt they have failed to notify me of or validate.
Consumer complaint received 2016-06-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

This is a second complaint. Original complaint case number is XXXX. Not only has NationStar been untruthful. evasive, they also use fraudulent or deceptive practices in their responses to the first complaint, they have continue to do so. Since I filed the first complaint, below is a list of illegal action take against me by NationStar. I have also attached supporting documents to show NationStar claims are fraudulent and deceptive : 1. NationStar misrepresented the amount owed. The partial payment amount was {$1300.00} has ballooned to {$5800.00} as of the statement provided by NationStar XXXX/XXXX/XXXX. see attached. 
2. Reporting false information to the credit reporting agencies. According to XXXX, I was 30 days late with my payment for XXXX, XXXX, XXXX, and XXXX XXXX. XXXX 's payment posted by NationStar XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. No payment has been late since XXXX XXXX see attached 3. Harassing telephones calls several time a days at home and work by different loans specialist based on a list they are provided without knowing the status of the account. I reported to work at XXXX in the morning and there are calls on my answering machine from NationStar. 
4. I have made all mortgage payments on time since bringing my account current om XXXX XXXX XXXX see attached
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

XXXX Bank XXXX XXXX XXXX offered me a XXXX credit card after financing a vehicle on XXXX of XXXX. I was told by XXXX Bank XXXX XXXX XXXX customer service that since I had been approved for the loan a hard inquiry would not be run on my credit when applying for the XXXX credit card. A hard inquiry was placed on my credit on XXXX XXXX XXXX. I have contacted XXXX Bank XXXX XXXX XXXX multiple times about the removal of the hard inquiry. I was promised it would be removed. Today I was finally told it would not be removed.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NH)

The XXXX XXXX account was disputed, and Experian shows a cut off deletion date of XXXX XXXX. XXXX XXXX shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Experian did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the XXXX rule applies.
Consumer complaint received 2015-10-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC (FL)

The school was charged with fraudulent practices in obtaining student loans. The student loan amount was reduced. The company that held the student loan agreed to an income based repayment as the student did not have a job. The company that held the loan sold/transferred the loan to another company. The new company sent multiple statements to the borrower and the cosigner with differing amounts due, requesting remittance to names of companies, but with the same address. Both the borrower and the cosigner tried to reach the company by phone, but could not reach an agent. Both the borrower and the cosigner attempted to contact the company on-line but could not reach an agent and no response was given to emails. The cosigner sent payment for the amount agreed upon in the income based repayment agreement with copies of the agreement. The new company did not acknowledge, though the check was cashed. The new company sent multiple past due notices to the borrower and the cosigner. Both the borrower and the cosigner again attempted to reach the company by phone but could not reach an agent. The cosigner sent a certified letter on behalf of both the borrower and herself asking that the company make contact and communicate about this confusion. The return receipt came back showing that the letter was recieved by the company and signed by an agent of the company. Neither the borrower or the cosigner recieved phone call, email or letter in response. The company again sent past due notices to the cosigner and the borrower, this time with also with differing amounts compared to previous statements. The borrower and the cosigner informed the company in the certified letter that without clarification and communication from the company, no further monies would be sent.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I had a XXXX mortgage with HFC Beneficial, I was involved in a dispute with them regarding the handling of the loan and the terms, but I had worked out a temporary solution to this and was making scheduled, agreed upon payments with them on time. I was told by them XX/XX/XXXX that they had " written off '' my loan XX/XX/XXXX ( even though I was making on time payments ), they would not give me any further information. I was contacted approximately 6 months later by XXXX XXXX XXXX saying that they were now handling the loan and demanding payment in full. When I spoke with a supervisor ( XXXX ) XX/XX/XXXX, he said my only option was to refinance my house and pay the debt off quickly so that it would n't appear on my credit. He says that even if I pay it out, it will show on my credit as a bad debt until it is completely paid off ( even if I make on time payments ). My understanding is that at the very least, they should allow me to continue to make my payments as per my original agreement with HFC. No one at HFC will talk to me about any of this because they " wrote off '' the loan. 

Some notes about the original loan : I was " Bait and Switched '' into a high interest rate and points when I took out the loan ( XX/XX/XXXX ). I was XXXX and XXXX at Beneficial in XXXX NY told us we could borrow the money for 8 %, no points, over the next weeks he put us off and crept the interest up a little, then after my daughter was born and I had been out of work for a few weeks and he knew he had us hooked and too busy to change servicers, he jacked the rate to 12 % and added the points. We should n't have accepted it, but we were stressed and I thought I could refinance it easily soon after. this did n't work out. 

When my XXXX child was born she had to be in a XXXX 2.5 hours away from our home for over a month and we financially fell apart for a few years. I worked with HFC to lower the interest rate, and got a lot of run around, but caught up with the new payment terms/plan. This agreement with them had to be renewed every 6 months, they always made this very difficult making me send in paperwork multiple times etc. 

The year the loan was " written off '' I was in contact with them regarding lowering the interest rate for the rest of the term of the loan and questioning the way they were calculating the interest, ( I have basically made no progress on principal in all this time ), they made communication extremely difficult and never addressed my concerns, I believe they passed the debt on because they knew they were in the wrong. 

I would appreciate any help you can give us with this.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, 2015 Bank of America/XXXX XXXX inspected my home and also damaged my roof. The XXXX contractor told me that someone would come and fix the damage the XXXX contractor caused. It 's been 4 months and my roof is still damaged.
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OR)

in 2014, Midland Credit Management alleged that I had a debt from XXXX. After filing a lawsuit against them, they determine that I, in fact, did not owe the debt. The debt was removed from my credit report. 

Last week, I received a letter from the IRS stating that Midland reported that I had received {$4500.00} from them ( reported on a XXXX ). I NEVER received any funds from Midland nor did I receive this clearly fraudulent XXXX. Now the IRS is stating I owe them back taxes for this amount ( I am contesting this with the IRS directly at this time ). 

Once again, Midland is causing me financial hardship, first on a debt that was never mine ( which they ADMITTED by closing the account and deleting it from my credit report ) and now, two years later, by reporting I received an income from them which never happened. 

I called their customer service center and spoke with XXXX XXXX, employee ID XXXX, and he stated that he has no record of them sending me {$4500.00} and that there is no record of them sending me, or the IRS, a XXXX. When I asked for a letter confirming this info, he said they can not send me one because I previously sued them. 

I have worked REALLY hard to rebuild my credit and Midland is once again damaging my livelihood. They are dishonest and need to be stopped from hurting other consumers.
Consumer complaint received 2016-04-23
Product: Credit card — 
Issue: Other — 
Company: Law Offices Howard Lee Schiff, P.C. (ME)

I had a credit card with " XXXX XXXX '' which I fell behind on. The total balance was {$500.00}. This debt was apparently sold to " XXXX XXXX '' who then turned it over to " The Law Offices of XXXX XXXX XXXX '' for collection. XXXX XXXX 's office sent me a letter on XXXX/XXXX/XXXX demanding a total of {$800.00} for this bill. Although I am afforded 30 days from my receipt of that letter to dispute the debt I was not allowed to do that as XXXX XXXX 's office filed a small claims suit against me on XXXX/XXXX/XXXX, 18 days after sending me notice of the debt. They then sent me a letter dated XXXX/XXXX/XXXX indicating that " on XXXX/XXXX/XXXX '' I was served with a summons but can still settle the matter " amicably '' by paying their demand. As this is a credit card debt, it is subject to a non-binding arbitration agreement and as such, XXXX XXXX 's office was erroneous in filing a lawsuit. Notwithstanding this error, XXXX XXXX 's office filed this suit within 18 days of notifying me that it had taken over the debt and thus disallowing me the 30 days to which I am entitled to dispute the debt and request proof as the FDCPA affords me. The addition of {$300.00} to an alleged {$500.00} debt with the above FDCPA violations constitutes multiple unfair debt collection practices as well as abuse of the court system.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (FL)

In XXXX XXXX Technician replaced equipment at my home and left the old equipment there, the technician stated Fed X would deliver a paid shipping box I could put it in and send to the XXXX office. No box showed up XXXX auto charged my credit card {$460.00}. When I inquired why I had been billed for the equipment I was told I had to physically bring it to the office, I would receive a receipt and be refunded the {$460.00}. I returned the equipment and was given a receipt but was not refunded the money, I attempted several times to attain the refund over 30 day period without luck, in the end I disputed the charge through my credit card company. They in turn worked with XXXX and ended up reversing the charges, crediting my credit card the {$460.00}. Shortly afterwards I got a call from a collection agency trying to collect the debt. Then I spent the next 2 years dealing with them, they reported the debt to all three credit reporting agencies, then I disputed, the credit agency verified, and it was removed from my credit file. Then another collection agency called to collect the same debt, I explained and they still attempted to collect, sent them a letter requesting they validate the debt, never heard back from them. Now, XXXX, another collection agency, IC sytem is trying to collect, I have spoke to them on the phone and sent letters requesting they validate the debt and provide me the information. They are saying they have no record of my letters and are basically giving me the run around. I told the person on the phone they had bought a bad debt that did n't exist, she told me IC Sytem does not buy debts to collect on, that they only work for the original debtor. I told them I did not believe that because I have had and presently do have XXXX service, have never even been late on a payment, account in good standing. I think if there was a problem I would have heard from XXXX, seen it on my monthly statement, and if not paid my service would have been disconnected.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (ID)

Equifax believes I am dead. About 10 years ago I started the onerous process of trying to get their misinformation corrected. I was not successful. I 've just been turned down for a loan because the lender uses Equifax, exclusively. I would like to see this problem corrected. The other XXXX credit reporting agencies give me an A+ rating.
Consumer complaint received 2015-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Hatfield Portfolio Group LLC. (AZ)

At XXXX, I received a call from Hatfield Portfolio Group. ( XXXX important because I 'm a shift worker and was sleeping ). When I asked what kind of business they were, they were vague and avoided answering and immediately started in with a list of names ( all with common last name, mine ), to see if I knew any of them. When I pointed out it was XXXX, he stated it was XXXX where he was. When I pointed out he was fishing for information, he hung up.
Consumer complaint received 2015-04-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (VA)

In XXXX of 2014 my real estate agent ( XXXX ) submitted a contract on my behalf for a short sale home owned by Chase Banking. After 6 months of continuous waiting and no status updates ( approx. XXXX XXXX, 2015 ) Chase finally acknowledged the contract and countered the original offer - we agreed. Finally, ( we thought XXXX things were on its way to being finalized. From there, the inspection was done- serious issues were addressed and being handled. That, in itself, took a little more time than we cognized and was eventually rectified. Next, the appraisal was done- it came back fine- with minor improvements to be done. After roughly 1 1/2 months of negotiating, my bank could now get my financing finalized ( I was preapproved for a {$7500.00} downpayment and closing cost grant ). I was also receiving an FHA loan and my paperwork could not be fully processed until all the repairs were improvised and/or rectified. While waiting to hear back from the grant approval team, we received an email from the seller 's agent ( approx. XXXX XXXX ) stating " Chase has officially denied the contract '' with no warning, extension or any explanation. My banker, the seller 's agent and my real estate agent were completely and utterly in shock by this unforseen action. The seller 's agent along with my banker sent a slew of emails with evidenced data regarding my full approval -but we never heard anything from them. This was a spontaneous act that hindered, interferred and just simply hurt my families progress and well- being, with no " JUSTIFICATION ''. I have XXXX young children and I had already put in my 30 day notice to move out of my townhome. I had an inspection ( {$380.00} ) and appraisal ( {$470.00} ) done on the property prior to this happening. I was genuinely interested in the home and did everything that was in my power to get things done in a timely manner. However, they had my team waiting for 6 months before they even touched my contract but they could n't wait a few weeks for my official process to be completed. If anything, they could have explained their rational behind their actions. I could not have just exited the contract without reasoning in the middle of it. The bottom line is ; I felt like I was bullied and mistreated unfairly because I was purchasing a home that was priced below market value and I was an assumed indigent. I 've called and spoken to XXXX XXXX at Chase Executive office. After playing phone tag for several days, she ambiguously explained to me that ; she could not give me any information regarding the account because I was not the primary account holder- which I understood. Which, she knew that I did not have an account with them, I explained that to her in my at length email that she received. The bottom line is ; the whole entire ordeal was bias and unethical and I felt discriminated against.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (FL)

I had a checking account with TD Bank and was in a dispute with them over fees charged and told them I was going to open an account at another bank which I have done. In the meantime my insurance company XXXX deposited {$410.00} into the TD account instead of into my new account. The amount deposited was {$410.00} on XX/XX/2016 by ACH transaction ( electronic deposit ). I no longer have an ATM card with TD bank as I no longer use this account. I went to TD Bank to get my {$410.00} out and they said this is a " credit only account '' which means deposits can be made but I cant take anything out. I asked why I can not take the money out since the money is mine and I broke my toe and need to pay the Doctor bills with this money. TD BANK customer service told me to come in and close out the account and they would not be able to give me the money since I owe {$560.00} on my account. I told them I do not owe them anything and they are not correct as I dispute those fees and will continue to dispute them. They are blackmailing me saying the {$410.00} will sit in my account until I come in and close out my account but I told them I am not going to do that unless they remove the excessive fees they charged me which I am in dispute of. TD Bank told me NO. XXXX said they can not take the money out of the TD Bank account even though it was an honest mistake on XXXX part, I would like the {$410.00} balance mailed to my home address. The bank can not hold this money from what my Attorney has said. ( I asked for a free consultation with my Lawyer ). He told me they are illegally holding these funds since nothing showing due on this account and there is a credit of {$410.00}. if TD Bank does not mail me this money asap I am getting an Attorney involved in this!
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (ND)

I initiated a balance transfer from my XXXX XXXX card to my Chase card. A few days after I submitted the transfer I had the new balance on my XXXX XXXX account. I still had the balance on my Chase account. I contacted XXXX XXXX and went over the information. I gave them the account that is was suppose to be paid off ( Chase ). They said they sent an electronic payment to a XXXX digit number ( they did n't have the last XXXX of my credit card ). They said the tried to do a stop payment but could not due to it being an electronic payment. I contacted Chase and they said since the account does n't exist they can not locate the money. They said to contact XXXX XXXX and they can " take their money back ''. I have been in contact with several supervisors and no one wants to help me. They point the finger at the other bank. XXXX XXXX assures me that since they sent it electronically that there is nothing they can do. Chase assures me that there is nothing they can do. I do n't think I entered an account number in error but even if I did I do n't know why this is n't fixable. There was a payment of {$1100.00} sent to an account that does n't exist. There should be a ledger showing this amount on Chase 's system and they should either credit my account or reject the payment from XXXX XXXX. I am now stuck with XXXX balances with no end in sight. I am at my wits end and no one wants to get it resolved.