davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I was speaking with the XXXX XXXX, extension XXXX, on X/XX/2017 to review a call I had with customer service to close the account. <P/>I said that I was never told about in interest charge that I would be charged after closing my account. <P/>I waited almost 40 days for a call back from XXXX. In that time, I left her 4 voicemails. <P/>She finally called back today, and confirmed that she was on vacation but did not set any kind of vacation away message on her voicemail because a colleague was supposed to check her voicemail but never did. <P/>In that 40 days, I got a negative posting on my credit, waiting for a call back from someone who left for vacation. <P/>I was never advised to pay off a balance while waiting for a call back or anything like that.
Consumer complaint received 2016-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC (TX)

On Thursday XXXX XXXX, my mother, sister in law. my ex-mother in law and my ex-mother and laws mother ... .. all received calls from a company called NP group. They were calling to trace and locate me. The message left reads as such ... " This message is regarding our location and tracing efforts for XXXX It is important that we speak to you regarding their whereabouts. If we can not verify this information through you. The law allows us to contact all references on file, dial XXXX not to speak to a representative or call XXXX. If you are unable to provide any information concerning the whereabouts. Please call the office regardless at XXXX. Your immediate response is appreciated. '' I have not outstanding debts with anyone and have on several occasions contacted the FTC on loans I do not owe. I would like this company to stop calling me and any of my relatives current or past. They do not have the right to harass these people or myself on a debt that does not exist. They have since called several more times to these same people. I have called more than once to get this resolved. I called the first time and it went to a machine and asked for my name and number and they would call back. The second time the phone just rung over and over with no pick up. The 3rd time it put me on hold and then to dead air. The last time the representative wanted to confirm my Social Security number where at that time I declined to give her that information and so she said she was n't going to do anything unless she knew I was the right person and hung up.
Consumer complaint received 2016-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Merchants and Professional Bureau, Inc. (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (TX)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2015-07-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My alleged loan is currently serviced by Carrington Mortgage Services ( CMS ). My alleged loan is originated with XXXX, XXXX XXXX XXXX and riddled with fraud and contains forgeries, etc. I previously had XXXX XXXX XXXX who posted many of my mortgage payments to foreclosure fees instead of to my payment account. Money was embezzled from our escrow and payment account and we have complained with XXXX XXXX XXXX and now with Carrington about the inaccurate fraudulent debt to no avail. They continue trying to collect an amount that is not correct. They also continue to report it on my credit even after numerous disputes. Recently, I requested from Carrington proof of claim under U.C.C. Code Article 3 -3-501 ( b ) 2 ( 1 ) to visually inspect the alleged wet ink Note. Carrington response was that they decline because the Note is secured and not available for release until debt is consolidated. They also continue to state that they will no longer respond to my requests and that my loan is in foreclosure even though there is not yet a foreclosure date ( I live in Florida, a judicial state ). They assert that they are the holder/investor/owner/servicer and in other letters they have alleged that they are also the trustee. Nonetheless, there are numerous contradictions in all responses I have received. This foreclosure mill/debt collector ( Carrington ) is threatening with foreclosure and expect that they will continue this fraud without showing us proof that they are truly the holder in due course or that the " original '' wet ink Note actually exists. All they have sent us is a copy of the alleged Note and a Possession Certificate under Florida Statutes by XXXX XXXX XXXX, not from them. I can also confirm that the copy of the alleged original endorsed Note is indeed fraudulent but I will not give details now because I will save it for trial. This alleged loan was " criminally '' created and serviced from the inception. My family and I have been suffering monetary, physical and emotional damages for years. This specific complaint is about Carrington Mortgage Services who has been servicing this alleged loan since XXXX 2014 because they have failed to comply with our debt disputes, QWR 's and now with our request to visually inspect the Note which we have a legal right to do so. I have all documentation to substantiate my claims against CMS.
Consumer complaint received 2016-04-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Atlas Acquisitions LLC (NC)

I have filed an earlier complaint but more information has come to light. XXXX XXXX is a recipient of a letter from Atlas Acquisitions who has consequently acquired the debt. She apparently works for my lender. Anyway I have a copy of the letter she received from Atlas Acquisitions. They are requesting an amount of {$9100.00} as payment in full including principal, court costs and any authorized post judgment statutory interest. Does that mean in a subtle way that they still want the {$32000.00}? They say they will release the lien. But that still does not address the fact that this should have been discharged in the bankruptcy. In the letter, the date of the judgment is XXXX/XXXX/XXXX in plenty of time for it to be iincluded. In fact, I have the paper work from my bankruptcy in XXXX which included the debt to XXXX the company from which Atlas acquired the debt.
Consumer complaint received 2016-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Stellar Recovery, Inc. (FL)

I have been receiving calls from this collection agency, EVERY day at least once a day for well over a month now. I did answer over a month ago and let them know I lost my job a few months back and that I would pay the past due cable bill directly to the company it is owed when I receive my taxes, which I have not yet received. I also have made XXXX small payments towards this bill and mentioned to them that I was paying it down when I was able. I also answered XXXX of their calls two days ago and told them to cease and assist, they hung up on me and proceeded to try again the next day. It 's getting really irritating and they call sometimes at XXXX when my kids are asleep.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (CT)

My old apartment complex has been claiming for years that I did n't give them enough proper notice of vacating the apartment I lived in at the time. Well I responded in writing to the request of lease renewal but they claim that they either never received it or received it after the due date ( I forget which one because it has been a while ) I was being Separated from the XXXX semi-voluntarily and semi-not so much at the time and did n't have proper time to respond to these ridiculous claims. Though I do remember receiving an invoice a while after I got settled in Connecticut and I saw that they were even charging me for things they claimed they were n't going to ( removing left behind furniture, etc ). 

Bottom line : I know I 'm in the right and I flat out REFUSE to pay for a months worth of rent PLUS interest that 's surely collected by now for an apartment I was n't living in. I just hope this is enough to get the deed taken care of because this illegal action needs to be removed from my Credit Score and Report.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

OXXXX XXXX XXXX XXXX I file a dispute with Experian XXXX and XXXX my name and address and phone number is incorrect I have multiple accounts with incorrect information. 
I have paid in full balances that are reflecting as negative status on my reports I have incorrect balances that are being reported XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I am writing to dispute the collection efforts regarding accounts of the alleged debt below that you claim I owe. I am aware that under the Fair Debt Collection Practices Act, you are prohibited from using any false or misleading representations in your attempts to collect a debt.Specifically, You are in violation of 15 U.S. Code 1692e ( 10 ) False or misleading representations, which prohibits the use of false or misleading representations in connection with the collection of a debt. Also I believe that the inaccuracies present in my credit report violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which stipulates the responsibilities of credit reporting agencies regarding the accuracy of the information they report. Your attempts to collect the alleged debt have been misleading and deceptive, as you have failed to provide me with sufficient documentation and proof of the debt.
Consumer complaint received 2016-12-14
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Immediate Credit Recovery (NC)

I received a notice on XXXX/XXXX/2016 from U.S Government proposed wage garnishment - I called the # XXXX on the letter and spoke with a XXXX XXXX on XXXX she advised me I owe XXXX and they are garnishing my pay if I do n't respond by XXXX/XXXX/2016 - I sent a letter for a hearing certified mail as to which I have the receipt proof of this date, 7 days later they sent a garmnishment letter to my employer XXXX XXXX I received no chance for a hearing nor did they provide me with proof this loan and amounts are valid, today is XXXX XXXX, 2016 and still no hearing, I am writing to you because I believe this " collection agaency " is committing fraudulent acts and has garnished my pay which is causing a severe hardship on my family since I am the sole income earner. Please help.
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (FL)

OnXX/XX/2020 I received several alerts about a new account being added to my credit. I immediately go to check my credit, and I see a new collections account from a company called Franklin Collection Sv, XXXX XXXX XXXX XXXX XXXX, MS XXXX, in the amount of {$1000.00}. There's no original debtor listed from what I can see. These are the issues I have. 
1. I am a resident of the state of Florida. Florida law requires any debt collector to be licensed in the state in order to legally collect on a debt. I checked with the Florida Department of Financial Services and the Secretary of state, Franklin Collection Sv is not registered in the state of Florida. So their right to collect any debt here is non-existent. 

2. I have never heard of, nor received any documentation from Franklin Collection Sv informing of a debt, nor allowing me the opportunity to dispute said debt. They have recklessly attached a collections to my credit, without even having the decency of contacting me.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A communique/notice was sent to Capital One Bank XXXX informing their representatives of the following events, on XX/XX/2023, and XX/XX/2023 the " Consumer /Applicant, XXXX XXXX, SS XXXX XXXX, ( Application XXXX ) requested for a line of credit and was unjustifiably denied ( an extension of credit ), in contravention to Sec. 1002.7 ( a ) 12 CFR ( A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. ) Respondent, please be advised that the open end consumer credit plan, under the laws of the CFPB ( Sec.1602 ( j ) of Title 15 USC ) in which the Consumer/Applicant, XXXX XXXX, XXXX XXXX under, can't be denied credit ( for " faithfully exercising his Rights or any other prohibited basis ''. ) under the Equal Credit Opportunity Act. [ Sec. 1691 ( a ), ( 3 ) of Title 15 USC and Sec. 1002.7 ( a ) 12 CFR ]. 
The XXXX XXXX XXXX  ) ( after being provided with proof of employment and banking statements ) were advised that any violations of the Equal Credit Opportunity Act [ Sec. 1691 of Title 15 USC and 12 CFR Part 1002 Regulation B ], regarding the unjustifiable denial of consumer credit to an Applicant/Consumer ( within the scope of Sec. 1002.7 ( a ) 12 CFR and Sec.1602 ( j ) of 15 USC- an open end credit plan and open end consumer credit plan ) is a violation of Federal Law and a breach of your fiduciary duty under the XXXX and laws of the CFPB Civil Liability for willful noncompliance can be found under Sec. 1681 ( a ) ( 1 ) ) A ) and under Sec. 1691 of 15 USC. 
The applicant/consumer, XXXX XXXX XXXX XXXX for the creditor to kindly to reconsider his or her recent decision and extend the line of credit to the applicant/consumer, XXXX XXXX upon the receipt of this notice and request for reconsideration or XXXX provide him with proof that the laws enumerated herein ( Sec. 1691 ( a ), ( 3 ) of Title 15 USC and Sec. 1002.7 ( a ) 12 CFR ) .do n't apply to this financial institution and the denial of credit did not violate any federal laws before responding with a final decision The representatives of Capital One Bank XXXX disregarded my attempts to rectify and resolve the problem and denied the applicant for BIAS and or PREJUDICE reasons ( in a reply email ) asserting that the applicant ( with a XXXX XXXX score, and a customer of the bank, with a checking and a savings account in excellent standing ) was not Credit Worthy . Notice was sent to several representative of the Financial Institution, XXXX XXXX and the notice and warnings were all disregarded,
Consumer complaint received 2020-04-29
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: Experian Information Solutions Inc. (AZ)

XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that XXXX failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX XXXX
Consumer complaint received 2020-04-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (RI)

I have 2 Federal Student loans that are showing delinquent payments on my credit report from XX/XX/XXXX - XX/XX/XXXX. These accounts were General Forbearance from XX/XX/XXXX - XX/XX/XXXX. These accounts should not show this incorrect information as it is causing me issues in obtaining a first time home buyer mortgage.
Consumer complaint received 2015-07-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

My husband took money out of his retirement account at Wells Fargo and they gave him a cashiers check. He walked to the teller to deposit into our checking account and apparently they have lost that cashiers check. This has been going on for a week. He calls the bank and they admit the error but will not deposit the money.
Consumer complaint received 2016-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I have made four inquiries to Wells Fargo Home Mortgage, following proper Federal Rules of Civil Procedures to produce proof of claim/validation of debt against me and my property. However, Wells Fargo Home Mortgage has failed to provide the proof requested point for point as required by law. Notified on XXXX XXXX, XXXX, certified letter receipt number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX. 
Wells Fargo Home Mortgage has defaulted and has not been able to prove they can enforce this mortgage and can not secure it by the real property currently being used as collateral since Wells Fargo is not in possession of the original wet-ink note signed by me - the borrower and sole owner of the property and title. I have reason to believe the note was sold under " mortgage backed securities, '' to investors under a pooling interest. Wells Fargo failed to transfer the mortgage along with the note when the note was pooled and sold as a security opening a whole myriad of security violations under the Securities Act of XXXX and the Securities Exchange Act of XXXX most notably violation of Rule 10 ( b ) and 10 ( b ) ( 5 ). 
WELLS FARGO STATED THEY HAVE THE ORIGINAL ON FILE IN A LETTER DATED : XXXX XXXX, XXXX. HOWEVER, THIS IS MISREPRESENTATION!!!! THEY STATED OVER_THE_PHONE THEY DO NOT HAVE THE ORIGINAL WET-INK PROMISSORY NOTE. 
I mailed a 4th and Final Notice, NOTICE OF BANK DEFAULT, notifying them, their firm and bank and/or mortgage company claiming ownership of this alleged loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. 
As a remedy I am requesting a satisfaction of my mortgage. 
I also substituted the Trustee appointed to the morgtage dated XXXX XXXX, XXXX, & cancelled the power of attorney.
Consumer complaint received 2015-06-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Dear whom it may concern, Hi, my wife and I bought a XXXX house in 2013 and recently began to refinance our mortgage because we thought that we could get rid of the PMI since our property value has gone up and our principal seems to be lower that 78 % of our home value. However, we just found out that we can not cancel or remove the PMI because our loan process was finalized after the XXXX XXXX, 2013. We wonder if it 's true that there is no way to cancel or terminate the PMI until we pay the mortgage in full. Also, I now remember why our loan process was dragging for such a long time and I am curious if the lender was intentionally postponing to make the deal. 
Anyway, we would appreciate if any of you could clarify the rules regarding termination of PMI for us and let us know there is any way for us to avoid the ridiculous amount of the PMI fees. 

Thank you so much for your time and help in advance. 

Best wishes, XXXX from XXXX XXXX