davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Nationstar Mortgage has once more failed to administrate my loans with any competence and it 's beginning to feel like I have been singled out, perhaps because I have already filed complaints. It definitely feels like discrimination. I have XXXX loans with Nationstar Mortgage that XXXX have current complaints filed and now I have the following information from my insurance agency that Nationstar paid the insurance on my primary home # XXXX correctly in the amount of {$770.00} however on my investment property # XXXX they also paid {$770.00} for a premuium rrather than the correct amount due for that policy of {$310.00} and mailed XXXX check to the for the total to the insurance company. When contacted they informed me that I would be responsible to pay the correct amount and to obtain a refund from the insurance company. Since they have the money for the insurance that I have been paying, it is incredible that they expect me to come out of pocket with additional funds when they know they have already drained my savings by not notifying me of an increase in the amount of both payments for several months, then billing me a large lump sum last month and effectively ruining my credit. The next step will be that Nationstar will no doubt be billing me for a shortage that they. created in the escrow account on # XXXX. No other lender has ever bungled my accounts in such a manner and I find it hard to believe that this is not deliberate and effective retribution for filing complaints. 
Following is the email from my insurance agent stating that Nationstar would not correct the issue. XXXX XXXX sent out a cancel notice for non-pay on " XXXX XXXX XXXX XXXX '' ; policy # XXXX. 
I called NationStar on Monday to find out if they have sent payment yet. They said they did and the check cleared on XXXX/XXXX/16. I requested a copy of the disbursement voucher as well as a XXXXCancelled check. Just got that this morning. 

NationStar is also the mortgagee on " XXXX XXXX XXXX ''. XXXX policies have effective dates of XXXX/XXXX/16 And XXXX sent separate bills for XXXX. NationStar paid XXXX but on the voucher which I have attached they listed The policy number the same and paid {$770.00} for XXXX. " XXXX XXXX XXXX '' premium amount is {$310.00}. 
When XXXX received the check they thought they were both for the XXXX address. 
XXXX applied XXXX to that property and then refunded you the overage. 

NationStar will not pay again on the XXXX property so I need to collect {$310.00} from you. 
Policy is in cancel status so please send as soon as possible. You will have a shortage on your Escrow account for XXXX because of NationStar 's mistake. 
Call me if you have any questions. 
XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Office ( XXXX ) XXXX XXXX Fax
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (FL)

Discovery card, reported on their system history of late payment to XXXX. When I called and questions due to always paying on time, and sometime making several payments in the same month. They stated that based on their system, every payment gets added to the same month not to forward amounts. Which we understand, but do not understand why they they will say we are late .... They say this is something in their system, but not in the credit bearues. My concern is, through their systems, is creating false information of our credit or payment history with them. Because we are paying on time and have done so. So I do not find it fair or correct, if I have never paid late ... Why it should reflect in their system as such ... 
which this action caused my credit to decrease during a home purchase ... Which disqualified me from being able to purchase the property ... ..
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX XXXX, my mortgage loan was transferred without notice from XXXX XXXX XXXX to Nationstar Mortgage. I continued to pay XXXX the monthly mortgage and was assessed a late fees and received bad marks on my credit because I did not know the payee had changed. In XXXX XXXX, my regular payment was not credited to my mortgage. Instead Nationstar put the money in a 'reserve account ' and has since used it to pay a {$200.00} increase in my monthly payment. ( My ARM is not scheduled to increase until XXXX XXXX All of this was done without any notice to or agreement by me. I 'm concerned about making any payment as it may, again, be used for a purpose other than my contracted mortgage payment.???
Consumer complaint received 2015-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc. (CA)

My friend of 21 years passed XXXX/XXXX/15. I sent all creditors a copy of her death certificate and a letter explaining there was no estate nor spouse. I have continued to receive letters from XXXX XXXX. They have now referred the account to collections and have taken my address off the death certificate to send bills to my friend. I am sure if you have to bury one of your friends you do not want a creditor to take your address off the death certificate and continually send collection notices. I even have written on the envelop of the XXXX bill DECEASED. but they are relentless. please help me!
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (PA)

My account I had with XXXX was reported to GC Services Limited Partnership collection agency which I communicated with for a settlement agreement and paid the balance I owed in full. They assured me I would be receiving a letter confirming my balance is paid in full yet to date, I have not received any letter. They are still showing an amount owed to them of {$97.00} on my credit report so they are still affecting my credit despite the fact that I paid them in full.
Consumer complaint received 2016-02-25
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (CA)

XXXX Re : Original Account No. : XXXX Original Creditor : Great Plains XXXX 
Reference Number : XXXX XXXX XXXX XXXX has threatening me with criminal charges if I do not immediately pay on this debt. They have called multiple family members from unknown and blocked numbers stating that I have " serious legal matter '' and to contact them immediately. When I returned the phone call I was told that they would be filing criminal charges for check fraud, up to 2 years in jail. They have also represented themselves as process servers and employees of XXXX XXXX where I live. They asked for a debit card number over the phone and no options for a more secure form of payment or guarantee that I am paying a debt they actually hold in their office that I owe.
Consumer complaint received 2015-10-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Southwest Recovery Services, Inc. (VA)

I have tried numerous times to contact Southwest Recovery XXXX in regards to a debt on my credit report. I have no idea who this company is. They have refused to contact me back, answer any phone calls and to this day I still do not know who they are. Requesting assistance to have removed from credit report.
Consumer complaint received 2016-06-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

I have repeatedly requested verification of the amount this debt. They have repeatedly told me that they would get it right in the mail. At one point, we negotiated a settlement on the account, and I asked once again for verification of the debt, prior to sending a check. They never sent me the information. Evidently they are n't able to verify this information. In the beginning, I tried to get them to send a monthly statement of account and they refused. I called and tried to work with them to no avail and I do n't want to end up paying for debt that is not mine.
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ONLINE Information Services, Inc. (NY)

The creditor is XXXX XXXX XXXX XXXX XXXX and they put XXXX accounts on collections and are destroying my credit report. XXXX account is for {$300.00} and the other XXXX is for {$130.00}. 

The collection agency is Online Information Service, XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX. 

I want to pay for these but I never got billed for it. I would like to settle them but the number in the credt report does not exist. Please help me. The phone number they put on the report is not valid. 

This servicer is refusing to even reply to my letters, This is an outrage.
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

Re : Cavalry Portfolio Services, LLC Account # XXXX I sent a register letter to Cavalry Portfolio Services, LLC requesting validation of debt for their account # XXXX on XX/XX/XXXX. 
They failed to provide the information I requested. Instead, sent letter dated XX/XX/XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. 
After not hearing from them, a second registered letter on XX/XX/XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XX/XX/XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. 
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This account was charged off on the following date XX/XX/year> : Since then, the account has repeatedly been updated as charged off and it has a late payment that I do not recall. This is an update on the payment history as well as if the credit reporting agencies furnish all data from the original furnisher all data should be the same. A charge-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations as well as affects my creditworthiness. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding deletion of the following account : Account Name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Unfortunately, at the time of the incident of Pandemic, I had ran into a problem because of Covid-19 which cost me to lose my lost job and I had to apply for unemployment which was approval a month later as you can see I been with the XXXX for 3 years and was never late can you please remove this because is hurting my score and I pick up another job so this won't happen again thank you for hearing me out hopefully you help me and my family. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 


I send letters to all three bureaus like XXXX told me too also send a email and letter to CEO of the company no response this being going on sense XXXX Im an a process of buying a home why the interest rate low. Thank you for hearing me out hopefully we can come to agreement and get it remove and the reporting is wrong to.
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (LA)

I woke up early on the XXXX of XXXX trying to use my unemployment funds to pay bills and my card declined! Everytime I call the number on the back of the card Im sitting on the phone for hours without talking to customer service!
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (DE)

Tek Collect placed a collection account on my credit report that does not belong to me and was not verified. I have never entered into a contract with Tek Collection or any affiliated parties. Tek I.D number is XXXX. I requested validation of this debt by requesting the original contract and Tek Collect sent me a document that was a proposed treatment plan from a 3rd party that clearly states " This is not a contract to buy ''. I have made Tek Collect aware that they did not provide the requested information and demand this collection account be removed at once. The proposed treatment plan is attached.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Unfortunately, at the time of the incident of Pandemic, I had ran into a problem because of Covid-19 which cost me to lose my lost job and I had to apply for unemployment which was approval a month later as you can see I been with the Saks for 3 years and was never late can you please remove this because is hurting my score and I pick up another job so this won't happen again thank you for hearing me out hopefully you help me and my family. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 


I send letters to all three bureaus like Saks told me too also send a email and letter to CEO of the company no response this being going on sense XXXX Im an a process of buying a home why the interest rate low. Thank you for hearing me out hopefully we can come to agreement and get it remove and the reporting is wrong to.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint and there is no third party involved. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

This is about Chase Bank. I wrote my roommate a check. We called to see about placing a stop on the check on XXXX/XXXX/2015 because I did not want it to make my account negative. The rep said there would be more fees accrued if the stop was placed on the check, and to have my roommate write a check to counteract it. We called XXXX seperate times before we ever deposited it, making sure it would n't be an issue. We were guaranteed it would go through since the roommate would have a positive balance in the account, but it would be overdrawn after it clears. He received a returned check fee, but the check went through on my end. My account was positive, the deposit was accepted. The rommate called the morning of XXXX/XXXX/15 and talked to a " specialist '' at Chase Bank. Told her that he received a returned check fee, but the check deposited in my account. She never, NOT ONCE, stated that the check was going to come back out of the account. Now they are telling us there is nothing we can do, it does n't matter that we were given wrong information that completely ruined my bank account. All they would do about the reps not giving us correct information is " file a complaint '' How many times do we need to contact a bank prior to depositing a check to make sure this is not going to happen? Is Chase not held liable for their actions and wrong information? Now I have a negative bank account that is going to take my entire paycheck to resolve and Chase will not give me ANY solution to the problem. My livelyhood is a stake. I have no idea how I am supposed to get to work with no funds to even pay for gas.
Consumer complaint received 2020-08-30
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: EQUIFAX, INC. (NY)

Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on XXXX  XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. XXXX   Equifax and XXXX  is reporting this account inaccurate.
Consumer complaint received 2016-01-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (LA)

On XXXX XXXX, 2015, I applied for the Home Loan Modification Program. I submitted the required information per the Mortgage Assistance Checklist, per Chase. I copied and mailed the application packet to Chase. Once Chase received my application package. A rude representative called me and asked for verbal financial budget estimates over the phone, when she had the information in her hand. She also asked for another copy of my check stubs that she claimed she could not read. I found the initial process to be indifferent and suspect. On XXXX XXXX, 2015, I received the completed review. I was given XXXX OPTION- a standard short sale? Really? I requested a modification and/or forbearance, due to financial hardships and future uncertainties. I was proactive, while foreseeing a job loss. I have no desire to sell my home, nor am I in the foreclosure process. I am proactive in pursing foreclosure prevention options. 

Chase said, " we 're unable to create an affordable payment equal to the required percentage of my reported monthly gross income without changing the terms of my mortgage beyond the modification program 's requirements. '' I reviewed the documents further, and noticed that Chase made incorrect calculations. On the application, SECTION XXXX : Net Present Value or Eligibility Data showed my monthly Gross income and Montly Net Income as {$0.00}, respectively. It also, show my total housing expenses as {$0.00}. 

According, to SECTION XXXX : Contact, Dispute and Appeal Information Section, I filed an appeal. I mailed an appeal letter to Chase ( Mail Code XXXX, XXXX XXXX XXXX, XXXX, La ). I have not received a response or any communication on the status of my appeal letter. 
Currently, I am temoprailry unemployed and requested Chase to reconsider.
Consumer complaint received 2020-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: KEYCORP (NY)

I want to know the real reason from the case manager, XXXX XXXX, about what he really found in his internal investigation and why he used his tactics to exonerate me and my wife from XXXX if there was nothing mentioned that was derogatory ... they are so dismissive.. we have to bring into consideration there stewardship and job acumen ... because I want to know the real reason