davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I have had a mortgage with XXXX ( serviced by XXXX since XX/XX/XXXX ). On XX/XX/XXXX, my mortgage was sold/switched to another Subservicer of XXXX, Nationstar. Since that time, my mortgage has not been reported to the credit bureaus. Consequently, I do n't have a current mortgage showing on my credit report. I am in the process of purchasing a new ( additional ) home ( closing scheduled for XXXX ... One week from today ), and my lender is telling me that it can not be processed until my existing mortgage is reflected on my credit report. I have made at least 6 calls to Nationstar customer service to find out when it will be reported. Nationstar told me they are legally prohibited from reporting my info for 60 days following the loan transfer. Today is day 65, and they have given me 6 different answers as to when it will definitively be reported : 1 ) automatically on day 60 ; 2 ) on the 10th day of this month ; 3 ) at the end of the month ; 4 ) at the end of the billing cycle ; 5 ) at the beginning of next month ; and 6 ) ' it has already been reported '. Today, they 'confirmed ' that it will be reported on the first of next month. I have begged them to manually override the system and report my mortgage info now. They said this is not possible. They told me that every lender has different policies, and this is their policy.
Consumer complaint received 2015-11-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: First Data Corporation (OK)

I have tried for 7 months to close my First Data Merchant Services account. When I do actually get a human on the phone, I just get the " run-around, '' and different answers. They promise to return calls and do n't. They wo n't respond to emails. The have dozens of unethical ways to keep XXXX from canceling. They continue to charge fees and once a person finally threatens them are told they will have to pay a {$500.00} termination fee, but they keep the person paying their monthly fees. Very unethical. The Internet is filled with others who have the same issues.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

I have been working on a short sale since the end of XXXX with the XXXX mortgage company. There is a XXXX mortgage on the property, which the borrowers swore they did n't have. Spent 6 weeks trying to find out who held the XXXX mortgage, only to be told that no one was claiming it. XXXX bank said they showed it as closed, when asked to get a Satisfaction filed, I was told no. Finally, after running the borrowers credit report, I found the XXXX mortgage company on XXXX XXXX, 2015. On the same day, I contacted the mortgage company and faxed everything they needed to them to approve a short payoff of the XXXX mortgage. On XXXX XXXX, additional docs were requested by the XXXX mortgage and were faxed right away. They then told me that the loan was being transferred in 5 days to a new mortgage company, but they would forward everything to them and we should have approval right away. I contacted the new mortgage company, explained that all we were waiting on was the XXXX mortgage approval, so the XXXX mortgage could complete their review. On XXXX XXXX, I called to check the status and was told that the previous mortgage company had not forwarded documents as promised. I faxed everything to them that same day. I have consistently called to check the status and get no phone calls back from them. I stayed in contact with the XXXX mortgage company throughout, but as of today, we received a fax from them denying the short sale as the documentation needed from the XXXX mortgage company had not been received. I called the XXXX mortgage company and verified with them, that now we would have to start all over with them, while still waiting on the XXXX mortgage to approve. XXXX foreclosure sale date has already been cancelled, and I 'm worried that they will schedule another date soon and we wo n't be allowed to get this short sale completed because the XXXX mortgage company is dragging their feet. Do they not realize they will get nothing if it goes to foreclosure? What is wrong with these banks? They are a XXXX mortgage and still require all of the documentation that has been sent to the XXXX mortgage company. They should just be concerned with the amount they receive and either accept what 's offered or they could counteroffer.
Consumer complaint received 2015-12-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (IL)

i requested the creditor to verify the medical bills were mine. they sent me papers without my signature, social security or any self identifying information ( ie, drivers license or state id ). they also have me listed as " self-pay '' but i was group insured through my employer at the time ( XX/XX/XXXX-XX/XX/2013 ). i have asked them to verify this as my debt because it is reporting in my credit files. and in reading the itemized billing items, they overcharged for an MRI-they have it listed as # XXXX and i know an XXXX generally costs {$1200.00}. This is not my debt and I would like your help to investigate this bill.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (CA)

XXXX refused to cancel my service after I spoke with them back around XX/XX/2016 when my bill increased without being notified. I paid XXXX additional months at the increased billing then I stopped my credit card auto pay. My email requests to XXXX to cancel my service were never replied back. XX/XX/2016 I received early Termination and XXXX Non-return fee, rather this is more of an extortion payment demand {$140.00}. XX/XX/2016 I received a demand payment from 'Credence XXXX XXXX XXXX XXXX demanding {$150.00} for XXXX XXXX
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute the remaining fraudulent inquiries that were currently appearing on my credit report. Despite numerous deletetions that occured because of my previous attempts to have these errors corrected, these remaining inquiries continue to negatively impact my credit scores and financial standing. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. I have already made repeated attempts to have these inquiries removed over the past few months, but they still remain on my credit file. I respectfully request that the following inquiries be immediately removed from my Experian and XXXX credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Linebarger Goggan Blair & Sampson LLP (CO)

On XXXX/XXXX/16 I spoke with this debt collector in regard to a debt they have in my name from XXXX XXXX. They gathered my phone number, address, name, and reference number at the beginning of the call. I spoke with them about my desire to dispute the debt and its validity at which time they advised that I mail them a letter in writing in regard to my desire to dispute my debt. I mailed the letter and a check for the original bill, before the addition of late fees ( {$18.00} ) that day. I heard nothing back from the debt collector and I mailed another letter asking what the status was of my account on XXXX/XXXX/16. On XXXX/XXXX/16 i received a letter in the mail from the original debtor, XXXX stating that since I had not paid the bill in question they would be assessing late fees to my account. I called XXXX and was told that they had no record of a payment for {$18.00} on my account. I was able to resolve the debt with XXXX and they advised that I request to have my check for {$18.00} returned to me. I called the debt collector and spoke with XXXX to ask that they return my check, at which point he claimed that the check was mailed to me on XXXX/XXXX/16. To date I have not received my check in the mail. I asked to speak with a supervisor at which point I was told that his supervisor was on another call. He stated that he looked into this issue further and found that the check was mailed to " the address they had on file '' which is an old address, hence why I did not receive my address in the mail. I told him that it was impossible for them to not have my current address as they ask for it at the beginning of each phone call, the letter I mailed had my address as the return address, and my checks have my address clearly printed on the top corner. He stated I should call my bank to have a stop payment placed on this check ( this would cost me an additional {$35.00} through my bank ). I am disappointed that this company was so lazy in their attempt to mail back my check. Instead of using the information I gave them multiple times to mail the check back to me they mailed it to a complete stranger who now has access to my banks account number, routing number, and a signed check. I am completely open to countless scenarios of fraud involving my personal finances due to the laziness of a debt collector. I do not have disposable income to throw around money to place stop payments on checks that were haphazardly handled by a law firm specializing in debt collection. This definitely qualifies as improper contact, as they mailed a complete stranger my personal check as well as mail from themselves, the debt collectors. They knew this was an incorrect/old address for me based on how many times they were given updated information. 

I am still in the process of confirming whether or not this check was illegally cashed.
Consumer complaint received 2015-11-11
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS) (IN)

I went to XXXX first then to a XXXX ( XXXX ) Supermarket to cash a tax refund check from XXXX ( I live in XXXX ). 
Both places use certegy ( Formerly Equifax ). Both places refused to cash the check and gave no reason why. I called the customer service to find out why and again, they gave me no reason for the denial of service.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NH)

On XXXX/XXXX/16 I paid my mortgage payment to BSI Financial Services through their web portal. on XXXX/XXXX/16 I called BSI ( spoke to XXXX ) because I noticed the payment was never debited from my checking account. They told me the payment was returned for insufficient funds because my checking account was closed. I informed them that my account was not closed, but agreed to call my bank. My bank confirmed that my account was still open, in good standing and BSI Financial had not attempted to debit my account. I then called BSI again and after being disconnected twice was finally able to speak to an agent named XXXX. I explained to him that BSI had never attempted to debit my account and he said it could have been an error on BSI 's part. He agree to process my mortgage payment over the phone and waive the usual {$20.00} fee. I asked if he would also waive the late fee since the error was not mine and I did attempt to make the mortgage payment on XXXX/XXXX/16. He instructed me to call back and request that the late fee be waived after my payment was processed and debited from my checking account. On XXXX XXXX, 2016 I received a letter in the mail from BSI Financial informing me that I owed a {$25.00} Non Sufficient Fund fee. Today, XXXX XXXX, 2016 I called BSI ( spoke to XXXX ) to ask them to waive the late payment fee and the {$25.00} NSF fee and was told by agent XXXX that she was not authorized to speak to me because of an active bankruptcy. I AM NOT IN AN ACTIVE BANKRUPTCY. She informed me that I would have to fax a letter of authorization giving BSI Financial permission to speak to me, which I did today. Also, please note that I have spoken to BSI Financial agents on seven other occasions since XXXX XXXX, 2016 and have never been asked to provide an authorization.
Consumer complaint received 2017-02-28
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Blackhawk Network Holdings Inc. (VA)

I tried to use a Visa Debit prepaid card with the four digit number and it did not work. I also called the company using the " XXXX '' # on the back, the person who answered asked for a 16 digit # on the back of the card. I gave him the # he asked for the value of the card, I gave him that information. He said to use the last 4 digits on the front of the card as the pin #. Once again it did not work. I used a different " reliable '' previously used debit card returned back some of the goods and paid the bill and left.
Consumer complaint received 2016-09-30
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Sprechman & Associates, P.A. (FL)

I received a phone call from someone at the XXXX. They stated they were attempting to collect on a judgement from XX/XX/2004 from XXXX. Upon stating that I had no knowledge of this judgement, the individual became irate. He continued to question me on whether or not I knew of the judgement. I stated once again that I was not aware of any judgement against me, especially one XXXX. I stated that I would not be acknowledging any liability of the amount requested without further detail. At this point the individual asked me if I wanted to resolve the issue now. I again stated I would not, and said they should go through the procedures to inform me of the details. The individual then said " oh we will be doing what we have to do ''. I requested his name multiple times and asked that I be mailed the information. The person immediately hung up.
Consumer complaint received 2016-07-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (CA)

Per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) CMRE did not even attempt to validate a medical bill that they have put on my credit report. I just went to see a mortgage lender and discovered their medical collection on my credit report. NO ATTEMPT at all was ever made to allow me to deal with this prior to reporting it and as such it is illegally on my credit report.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (GA)

Convergent Outsourcing XXXX XXXX Attorney General Attorney General XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : {$680.00} To Whom It May Concern : Convergent Outsourcing - I do not have any obligation to this debt you are inaccurately reporting on my credit bureau nor have I received appropriate notice from you & you are in violation of my rights! According to my credit file you reported this debt opened on XX/XX/XXXX, last reported XXXX/XXXX/XXXX ; I check my credit vigorously this information appeared on my credit report within the last few days I just checked my file not even 4 days ago so how you are reporting an open date nearly 2 years ago is beyond me! Pure XXXX! I want this removed from any credit reporting agencies you have illegally reported ASAP! 
XXXX - XXXX is this XXXX, it says you are the original creditor but that does n't make sense my account with you has never been late and I pay my bill. I thought this was the uncarrier XXXX - this is so out of the blue and VERY annoying, I suffer from XXXX and XXXX and do not need these irritations in my life- I do n't know who got my account mixed up or whatever but I do not owe this money! If you do n't correct this swiftly I will end my tenure and take my business to someone else more competent. 
Attorney Generals - I am formally filing a complaint against both of these companies for the false information they placed on my credit bureau report! This is ludicrous! Absurd! XXXX!! 
Regards, XXXX XXXX
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (NY)

I had XXXX in XXXX which XXXX while on business in California. I asked the hotel to call me a taxi. They called an ambulance stating it was their policy if someone needed medical assistance. I refused all treatment in the ambulance so nothing happened in the ambulance other than a ride to the hospital while lay on their gurney. 

My insurance company paid XXXX % of what it informed me was fair and reasonable for the bill. My recollection is this amounted to approximately {$400.00} for the ambulance service. I offered to settle for the remainder of the bill {$100.00} which by my calculation would be the other XXXX % of the amount that my insurance company said was fair and reasonable. This has never been accepted, but instead this is now the XXXX agency calling and trying to collect significantly more. I did not ask for the ambulance. I did not sign anything stating I would pay for the ambulance unless it was hidden in the hospital registration documents which I read at the time as covering hospital charges. ( This too was signed at a time I was under duress due to pain. ) Even so, it is unreasonable to charge any price the ambulance company chooses that has no relationship to the cost just because they see an opportunity to gouge someone who can afford to pay more than the services are worth. ( Please note : I have selected the " best '' description above ; the debt is mine. My logic is that the amounts in excess of what I feel is fair, are not mine. )
Consumer complaint received 2024-08-10
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. (TX)

To whome it may concern, XXXX XXXX are In direct violation of 15 usc 1681 ( b ) ( a ) ( 2 ), Permissible Purpose for Consumer Report. I never gave them my written Consent to report credit usage on my file. Please provide a copy of written Consent if applicable.
Consumer complaint received 2015-10-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United Group Inc. (NV)

Hello. My Name is XXXX XXXX ; XXXX Veteran on a fixed VA income and Social Security. I put down XXXX down around XX/XX/XXXX for a XX/XX/XXXX Mersades Benz 2 Door coupe ; 4 seater. The cost of the car was {$6000.00}. I thought I was getting a good deal however the car turned out to not only be a lemon for which I have filed a previous case with your organization, but I was stuck with paying not only 35 % intrest rates on a {$6000.00} auto loan through United Finance located on XXXX XXXX XXXX XXXX, Nevada XXXX ; XXXX XXXX ), but also I am still paying the 35 % so it is like my principal hardly moved at all. I still owe {$4800.00} and now I have a XXXX credit rating which is worse than when I started making payments to better my credit and I am in a negative status with all XXXX credit breaus while United Finance is making a fortune from me concerning paying for this lemon car I have previously reported to you this month. I need assistance in both cases to get justice because I am being stressed out and robbed all the way around and I am still making {$300.00} a month payments.
Consumer complaint received 2016-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (AZ)

Multiple calls and notices in the mail to an account I had disputed with all XXXX credit unions and was resolved by it being removed. 
I do not owe this debt.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (CO)

I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.