davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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. (TN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX File No. XXXX ATTN : Legal Department Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ XXXX ACT OF 1996 ], to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and XXXX authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, XXXX XXXX XXXX ) ACCT. BAL : {$140.00} 2. ACCT. NAME : XXXX XXXX XXXX XXXX XXXX ) ACCT. BAL : {$670.00} 3. ACCT. NAME : XXXX XXXX XXXX XXXX XXXX ) ACCT. BAL : XXXX
Consumer complaint received 2015-11-01
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a home equity line of credit from Bank of America mortgage department on or about XXXX XXXX, 2015. 
After months of delay, we were told by XXXX XXXX, manager, XXXX x XXXX that they should have the information available by Friday XXXX XXXX. They did not call and we have not heard a word since. The following week they were called and told to stop the application and return all of the reams of information that they required immediately. 
Again no response.
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

I was fixing my credit report it had been 7 years since my problems started. when I started disputes with credit bureaus collection agencies started sending letters they had n't before then. I wrote letters to original creditors some no response. XXXX, XXXX, XXXX XXXX Banks and XXXX of XXXX XXXX XXXX banks ( I had XXXX of the XXXX that are reported others duplicate had XXXX XXXX XXXX card then another XXXX was sent with name changed to XXXX XXXX XXXX XXXX. ( they took no accounts off my report but changed info. to closed no missed payments All accounts were sold to other companies after wrote off. This is when collection agencies began letters to me and changed all the opening and closing dates. I do n't no where dates came from could be made up or dates they bought my contracts but I have bank statements proving there wrong but bureaus took there dates as true only way they could prove those dates would be to falsify there records. Their hurting me by keeping my credit bad an it stops me from getting medical help I need. I do n't have cash for all I need so I need credit
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (OR)

TIAA has held our payments instead of applying them and then assessed late fees. They will not apply payments as we have asked. We paid the escrow as their customer service agent direct us to back in XXXX of 2018. We were told go pay the full escrow and that it would be removed from the account. We were also instructed to only pay principle and interest. 

We have been calling and writing letters with nothing but negative results and complete inconsideration for restocking this matter from TIAA. 

They have tried to overcharge our escrow and continue to hold our payments in suspense so they can assess more late fees. Then they negatively report against our credit. This has become an impossible situation. 

We have paid the escrow and monthly principle and interest on time. We have been calling and asking for transcripts of the calls and they wont supply them. We have written letters and they disregard our complaints and tell us they can do whatever they want. 

Please help us get this situation resolved. TIAA is calling us almost daily and harassing us and sending threatening letters with falsely reported amounts on delinquent notices and foreclosure threats. They have been disrespectful of our sons medical situation and caused more anxiety for our family. It is completely unnecessary, the account is current, with the exception of their late fees, that they should not have charged. 

We have tried contacting them through phone and letters and doing everything we can. It is clear that they have no interest in servicing this loan correctly or applying payments correctly or doing anything but assessing fees and creating enough chaos that well just give up and pay whatever they tell us to. As their manager conveyed to us in XXXX.
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc (WA)

I paid the XXXX an amount of {$390.00} on XXXX/XXXX/2016 to pay my past due amount on the final move out amount. The account was taken to a collection agency on XX/XX/2016. I have since contacted the collection agency to advise that I paid the account in full to the creditor. The agency will not cease collections and update my credit file to show that I am paid in full. The name of the collection agency is the National Service Bureau. Their contact information is XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, WA XXXX XXXX.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMERICAN SOUTHWEST MORTGAGE CORP. (MO)

I am writing this letter about mistreatment by American Southwest Mortgage and I contacted them for assistance with my mortgage payments and the loan being serviced by XXXX Mortgage XXXX and dealing with XXXX XXXX - Loss Mitigation Specialist and she advised that American Southwest Mortgage will only consider extend the terms and I asked for other options and she said a person by the name of XXXX XXXX with XXXX XXXX Mortgage spoke with the CEO and he agreed with the decision and I called XXXX and called the CEO spoke with XXXX and she advised that the XXXX does not speak to customer and I stress to her how important it is for me not to have any late and now they are reporting on my credit the XX/XX/2016 late and due that my job could be in jeopardy and I made a principal and interest payment and I asked XXXX over and over about my credit and now I could lose my job due to that late and also my house because they would not even consider any of the options and the reason I am having problems, please look into how they treat there customers when it comes to seeking help to keep your home
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: STATE FARM BANK, FSB (NV)

I have a loan with STATE FARM BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and STATE FARM BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2017-01-07
Product: Credit card — 
Issue: Other fee — 
Company: Bread Financial Holdings, Inc. (SC)

XX/XX/2016, I made a payment of my Comenity XXXX credit card to pay off a balance. A payment was not due on the account ; however, I wanted to pay the card off. After a day had passed and the payment had not posted to my account, I contacted XXXX and discovered that the payment was to be deducted ffrom an account that is no longer active. I called and attempted to have the payment cancelled when I noticed the discrepancy to no avail. As there was no payment due on the account at the time and as I attempted to rectify the situation as soon as I was made aware, I requested that I not be assessed a fee. That account was removed frommy payment list. My XXXX account was at a " XXXX '' balance due to the erroneous payment so I was not able to put in a payment to correct the oversight. The account is always paid on time, has never had a returned payment and Comenity has the ability to waive the fee, but refuses. Even if I can not receive a credit, I think it important that this be recorded against them.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

I contacted Care Credit and informed them that they would received a check from XXXX XXXX XXXX to be applied to the XXXX bill. On XX/XX/XXXX they received a check of {$950.00}, from XXXX XXXX, which was applied to my account ( XXXX ). On XX/XX/XXXX, Care Credit received a payment of {$200.00}. toward this account leaving a balance of {$940.00}. On XX/XX/XXXX, I paid {$100.00} toward this account. Care Credit has referred this account to the credit bureau for delinquency to this account. I have been making the payment I am not having any difficulty in making payment to this account. According to the credit card agreement, there would be no interest added to this account if paid off in two years I would like this organization the unfair practices of this company and assist me in resolving this dispute.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit owns a debt from XXXX XXXX in my name. I beleive Midland Credit " relied on misleading, robo signed court filings to churn out lawsuits '' - CFPB Takes Action Against The XXXX Largest Debt Buyers For Using Deceptive Tactics To Collect Bad Debt. Published XXXX XXXX, 2015. This bad debt has been sold 3 times since from the original creditor ( XXXX ). I also beleive that Midland Credit " misrepresented their intention to prove debts they sued customers over. " CFPB publication. Filing a debt collection lawsuit with out meaningful attorney reveiw, unlawfully misrepresents the attorney 's involvement in the case. I beleive the Certificate of Conformity submitted as evidence, by Attorney XXXX XXXX was " robo signed '' and that this bad debt was never properly validated with the original contract, my signature and account statements.
Consumer complaint received 2016-04-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Weltman, Weinberg & Reis Co., L.P.A. (FL)

Today XXXX/XXXX/16 at my place of employment I was contacted by Weltman, Weinberg, and Reis. This is the 2nd time they have contacted me at my place of employment even after I submitted a complaint to the consumer financial protection bureau on Friday XXXX/XXXX/16. Today was a different man attempting to contact me. His name was XXXX XXXX. Phone number XXXX ext XXXX. He would not state what debt the call was about. This is the second time this company has attempted to make inappropriate contact with me.
Consumer complaint received 2016-02-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CO)

Barclay Card XXXX was XXXX of cards that our family used regularly to accumulate points for travel\ling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for cruise with our XXXX young daughters for the XX/XX/2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We ca n't go on our trip because of this. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first. When we filed the complaint, they just showing us the letters again without giving us a chance to redeem our points.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I submitted a loan modification package around XXXX 2016 to Chase Mortgage loan modification department. I was actively working with Chase Mortgage when my property was referred to foreclosure. 

My property was placed in foreclosure while working on a loan modification. 
Chase double tracked my home while I was attempting to qualify for a loan modification. 

Now my home is in foreclosure and my payments have been blocked making me fall further behind on my mortgage payments. I was not given proper time or opportunity to be reviewed for a loan modification..
Consumer complaint received 2016-11-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMBRACE HOME LOANS (AL)

I refinanced my home with Embrace Home XXXX and closed on XXXX XXXX, 2015. I refinanced from a 30yr mortgage with no MIP. The MIP was removed after 5 years and after my LTV was below 78 %. After about 2 years I decided to refinance for a lower rate and no MIP. I refinanced with a streamline 15yr mortgage. No upfront MIP and no annual MIP. I have made payments for a year and then Embrace decided to withdraw money from my Escrow account without my knowledge to pay form MIP. They withdrew money to pay for taxes and insurance and caused my escrow account to be short. After trying to get them to understand that I did not have MIP, they decided to refund my account. After refunding my account they said my loan should have had MIP. Based on what the lender and other lenders I shopped with before deciding to go with Embrace my loan does not have MIP. I did not sign any documents that stated this loan would have MIP. All loan disclosures we signed only stated payment would consist of P & I, taxes and insurance. How can 1 year after closing a bank just can add insurance to a loan and remove money from accounts that they have no rights to. It is my understanding that nothing can be added to a loan after closing. If there was a clerical error they could contact me to correct that but. nothing regarding the amount of loan, interest or any other payments could be added. Please help I have tried since XXXX of this year to get this corrected and they can not seem to fix this problem. It seems that the bank should be fined and held responsible for this error and correct the problem or pay my house off. I attempted to make a payment today online like I normally do and could not, because the payment amount is incorrect because of this problem. They have added MIP to my payment and well as a shortage amount which they caused the shortage themselves by steeling money from my escrow account. I have attached my Final HUD, Truth and lending statement, which show no MIP at closing. I have also attached my first payment stub which also shows no MIP. The current payment know shows MIP and escrow shortage. This need to be corrected
Consumer complaint received 2016-07-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (TN)

On XXXX XXXX, 2016, I saw that I had a bill from Convergent Outsourcing. Which the debt collector sent this debt to an old address that I have not had any type of communication with since XXXX 2016. I never knew I had a debt I collection. The original creditor, knows my physical address, because I already have an separate open case with this creditor. Which I am asking for Convergent Outsourcing to send my verification of the debt and I am also disputing the debt. The information that debt collector has sent me does not outlined to make me understand the amount they are asking for. I have no knowledge of the debt and the debt is not mines. I did not have enough time to dispute the debt.
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Georgia Tax liens are incorrect. I have disputed these issues with all XXXX bureaus but have only been successful at removing incorrect information from my XXXX Credit file. I have also contacted the GA Department of Revenue to remove this information to only receive a letter back from them the following message stating " I am writing with regard to your letter concerning the above reference state tax. This department does not release tax lien information to credit reporting agencies, nor do we govern items listed on credit reports ''. This response basically stated to me that they ( GA Department of Revenue ) did not report this incorrect information and will not assist me in getting it removed form the credit bureaus. These liens should not be reporting on my credit files and need to be removed from both my Transunion and XXXX reports immediately. I have attached a copy of the Georgia Department of Revenue Delinquent Taxpayer List that confirms that the liens reporting in my credit files are incorrect.
Consumer complaint received 2016-01-11
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Firstsource Business Process Services, LLC (NC)

This company First Source Advantage has called my employer several times and left voicemail messages at my place of employment for me stating on the recordings that they are calling to collect a debt and leaving a number XXXX stating that if this is the wrong number to call and let them know. I do n't believe that they are supposed to leave messages at my place of employment stating that they are calling to collect a debt. Additionally, I called them on last week XXXX XXXX, 2016 and requested that they only contact me by mail. I informed them that someone else at my place of employment retrieved and listened to the message. However, they called again on today, XXXX XXXX, 2016, and left the same voicemail message at my place of employment.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent a copy of a letter submit XXXX to transunion that state that transunion must delete the account submitted to them back on 2011 for the amount of XXXX .and transunion refused to deleted that account from my credit report while XXXX did. Transunion have the copy of the letter .i call them to know why they said that have to investigate it. Reason why I am filling to complaint again transunion
Consumer complaint received 2016-03-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (FL)

West Lake Financial.. This is definately the worst company that I ever came across. I finaced a car back in XXXX XXXX. They repossessed my car for being 31 days late in XXXX XXXX. I agreed to 24 months with the car payment, I was scheduled to be done paying for the car in XXXX XXXX due to the company adding insurance to the account. West Lake, never called me and informed me of any repossession order. When they picked up my car I was unaware I had to call the police department because I thought my car was stolen, they informed me of the reposession. All of my items were in the car, it took 3 days before I was able to get my possession out the car. I lost money, jewelry, and my car was ram shacked. 2 weeks later westlake financial told me my car sold at auction for {$4000.00} almost {$2000.00} more than what i owed. Therefore, they were going to send me a check for the remaining balance but i had to send them a payment of auction fees before they can send me a check so being young a naive i sent them the fees and called them back to tell them it was sent and the number was disconnected. For years I heard nothing from West Lake Financial. However, They are currently reporting a balance on my credit report of {$640.00} for auction fees. This company has harassed me by calling my job and my personal cell phone stating that I would be arrested if I did n't pay them. When I contacted them to pay the debt to have it removed from my credit report they refused to remove the account but would take the money. The company refuses to respond to any certified letters, but they still call harassing me for payment. That I do n't owe. I sent letters to both the direct company and their collection agency. West Lake Financial reports on my credit but another company handles their debt.