davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX  XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the XXXX that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. 
I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.
Consumer complaint received 2017-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synerprise Consulting Services, Inc. (TX)

I received a voicemail stating " This is a message from Synerprise Consulting Services. This is an attempt to collect a debt. Please call us at XXXX or visit us online at XXXX. Again that is XXXX or visit us online as XXXX. Thank you This was received today XX/XX/17 They NEVER once said who the call was for. Never heard of them and never received prior communication from them.
Consumer complaint received 2017-10-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

I am currently in the process of refinancing a loan through XXXX XXXX, my current provider is PNC. As part of the underwriting process XXXX requires that i show 12 months of statements from my PNC account, when i contacted PNC 4 weeks ago they stated they can not provide that information and I need to login to their site to get my statements, they proceeded to tell me i needed a pin to create an account they said it could take 5 business days. When 5 business days went by i called them back they stated i must have missed it?? so they supposedly sent another one again after 5 more days no pin so i called back to speak to a manager which to my surprise was not present at the cll center so again i requested a pin, another 5 days went by and no pin. My next step was to go to the local branch according to the local branch they were on a different system and could not provide statement regarding mortgages. It has now been over 4 weeks since my first request andI still can not access my statements no one has followed up and i feel as though i am being held hostage given i can not provide the necessary required info to refinance this is unbelievable that this kind of thing can happen. Given the review i have read this seems to be common practice for this organization and should be addressed ASAP.
Consumer complaint received 2017-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Ace Cash Express has sent my non-payment to an attorney 's office and are trying to make me pay it back right away or they are filing a criminal case with the county I live in for fraud. I never committed check fraud. I gave them my banking information online when I applied and was approved for the loan, I was laid off and did n't have the money in the bank when they went to withdraw the money ( payment amount ), I did n't intentionally not have the money in the bank. I did not write them a bad check at all and I do n't want to have criminal charges filed against me.
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am an HSBC customer with a personal checking account, savings account, and credit card connected to the account. At the end of XXXX, my account was hacked, monies withdrawn and paid to bogus vendors ( the vendor name was one I have in my files but there was no information on where the funds were transferred to and no record of the transaction. The real vendors did not receive any of these funds. When the balance of my account was drained, the culprit then started to use the credit line on my credit card, transferring monies into the account to be fraudulently transferred out. It took a lot of wrangling and almost two weeks from the time I discovered it to get HSBC to refund the monies to make my account whole and generate a letter to explain the bounced check from my account. The transactions were suspicious to begin with, but they did not notice it at all. In filing all the paperwork to report the fraud, one step I was told to take was to report it to the local police. I went to the police precinct and was told they need a report from the bank in order to investigate. I have not been able to get such a report from them, which seems to me would be routine. I 've made multiple phone calls to the XXXX headquarters, fraud dept., and was told to see the manager at my branch, who tells me she has nothing to do with that part of the process and ca n't help. While I have been repaid, it is an outrage that this bank ca n't - or wo n't - or does n't have to file such a report. I am sure I am not their only customer who has been hacked ; unfortunately, it 's now a common practice. In order to trace these kinds of activities, investigators need such information, but HSBC refuses to give it. I would appreciate any help you can offer and urge you to ensure that HSBC follows the regulations. If there are no regulations that would mandate that they file such a report, there should be, and I would like to know that as well as I will be happy to start writing letters etc. to change the rule.
Consumer complaint received 2017-10-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation (ND)

I was looking into payday loans for travel expenses to a family XXXX. I read through the fine print and decided against it. Id be paying over {$700.00} back over several months for a {$300.00} loan. Ive used Check XXXX XXXX without problems.. I received emails saying I needed to sign. I did not. I was shocked and infuriated to find that the funds ( {$300.00} XXXX had been deposited to my accout on XXXX/XXXX/XXXX. This was not a cometed loan, I found other options to get to the XXXX. Ourfirdt payment is due on XXXX/XXXX/XXXX in the amount of {$84.00}. I will be contacting my bank in the morning to stop payment. I feel this was fradulent and dishonest behavior and that i should not have to pay, Since I didnt authorize the loan in the first place. What are my options?
Consumer complaint received 2017-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$620.00} + Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has  resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDEWEST RECOVERY I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
Consumer complaint received 2017-09-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Security National Automotive Acceptance (VA)

In or aroundXX/XX/XXXX I purchased a car and financed it through Security National Automotive Acceptance Company ( XXXX ) .. I made approximately 5-6 payments and realized I could not afford the car anymore. At some point the car was repossessed. In or around XX/XX/XXXX XXXX began to call my cell phone regarding the payments. Eventually the calls became threatening, persuasive and all but bullying me to give them money. The calls were as much as several times a week during the first 2 months. A few things they were saying to me were, amounts I need to and GOING to pay, we will put an arrest warrant out for you, and we are the only people that can help you. These calls lasted for over 10 minutes and the representatives constantly said the same things over and over until I would ask to speak to someone else and at that point I would be on the telephone waiting for long periods of time and at some point I would just hang up. The calls would then persist from different representatives. Approximately 1 week ago, I received a copy of my credit reports and noticed a balanced owed to XXXX in the amount of {$10000.00}. I called them to inquire, I was told the car was sold at an auction for approximately {$1300.00} and the current balance owed to date is {$10000.00}! I actually had to have someone else speak to them on my behalf because of what i had endured previously. Soon thereafter, I mailed them a letter ( attached ) requesting any and all documentation regarding my account as well as demanding them to cease contacting me via my cellular telephone. I have also received texted messages from XXXX and surprisingly, as of XX/XX/XXXX sure enough, I received another text message ( attached ) from XXXX!
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (WI)

I am in Chapter XXXX bankruptcy. My mortgage was sold to Fay Servicing in XXXX XXXX. In XXXX I was struggling to make mortgage payments. I finally got caught up with my payments, as I was aware, in XXXX XXXX. In XXXX of XXXX I called my account manager at the mortgage company and asked her to tell me where I was in my payments. She never returned my call. It turns out at that point I was less than {$60.00} behind. I missed XXXX 's payments due to some car repairs. In early XXXX the mortgage company filed to remove themselves from the bankruptcy. On XXXX XXXX, I sent XXXX 's mortgage payment. Unbeknownst to me, the mortgage company changed their mailing address and never informed me. As a result, the payment was lost for approximately two months. Now Fay Servicing tacks on a {$900.00} attorney fee. For being what was basically one month behind in my payments. By the end of XXXX all payments were current. In the court hearing with Fay Servicing to find me in default of my bankruptcy agreement and the subsequent paperwork the trustee sent to me, I discovered that Fay Servicing once again changed their mailing address without notifying me. If it were n't for the paperwork received from the trustee, my payments would again be lost, and I would lose my home. I believe they are deliberately not giving me crucial information so they can foreclose on my home.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I had disputed an account with Experian per my rights under the FCRA to have inaccurate information to be removed from my credit report back in XXXX XXXX. The account was promptly was deleted and was told that it would not be put back on my credit report. Now, some months later that account was put back on my credit report. When I called Experian to have this account deleted, they told me they would not. Even though I was able to give them a report number, to which that account was deleted.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/2017, XXXX XXXX XXXX contacted me via email and offered loan assistance as I was in the hurricane impacted area of Hurricane Irma. On the email was a link for a 30-day loan deferment. I clicked the link, requested assistance and they responded back stating the deferment was complete. I have documentation that supports the offer and acceptance. 

I continued to get calls from XXXX, when I returned their call on XX/XX/2017, the collection rep stated that I did not have a deferment and my account was showing 31 days past due and it was reported to the credit bureau. When I attempted to explain and provide the documentation I have to support the deferment, they stated sorry they could not help. They placed me on hold, never to return. After several calls, and a lot of runaround I finally contacted a lady by the name of XXXX XXXX in Customer Care who assisted me. She was professional, she listened, and ultimately resolved my issue. She asked for the documentation which I provided and made the necessary adjustments. It is employees like this that make up for the failures of others. 

While I understand most all financial institutions are providing assistance to those in need in the impacted area, the treatment I received from XXXX is unacceptable, misleading, and unfair business practices. I can only hope this may bring to light others that may be in a far worse situation than I, that are depending on XXXX for assistance.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was a resident of an XXXX owned property for alleged monies owed in regard to a rental apartment. I was sued by XXXX XXXX these monies in XXXX XXXX XXXX and on XXXX XXXX, XXXX a Stipulation and Order for Payment with Judgment to Be Entered Upon Default was entered into between myself and XXXX XXXX. This matter was never turned over to a collection agency nor was any attempt to collect these monies ever made prior to the filing of this litigation. XXXX PROPERTIES ( a separate and unrelated entity from XXXX XXXX XXXX is incorrectly reporting this matter on my credit. According to the lawsuit filed, I do not owe money to XXXX PROPERTIES. In addition, this matter is being reported as a revolving collection account which is more than 180 days delinquent. The payments made on this account have been made in compliance with the XXXX 's XXXX attached hereto and have NEVER been late or delinquent, nor have I defaulted on any such payment. Neither XXXX XXXX or XXXX PROPERTIES have corrected this information. I have also disputed this matter with all three credit bureaus who have also failed to correct this information. I do not owe monies to XXXX PROPERTIES. This account was NEVER past due, delinquent or defaulted upon.
Consumer complaint received 2017-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc. (IL)

This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing is my mortgage servicer and I have requested a 3-month forbearance on my mortgage. I live in the state of Florida and my area in XXXX County is under a Major Disaster Declaration that was declared on XX/XX/2017. The mortgage company sent me an approval for a forbearance however, they are requesting a balloon payment in the amount of {$5800.00}. I truly feel as if the bank is setting me up for failure. 

My family and I had to evacuate our home and when we returned we were without power for a total of 9 days. I did sustain damage to my roof and contacted my insurance company and because they are so behind in claims my adjuster has not come to my home as of yet. I lost all of my food in my fridge and freezer. When the power came back on I had to pay an electrician because some of the power did not come on in other areas of my house. My family and I could not remain in the home while the power was out as temperatures reached between 85 and 90 degrees.
Consumer complaint received 2017-09-26
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. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (CA)

XXXX XXXX wanted to bill me full month dues oXXXX XXXX  for my final month upon cancelling my contract, but only wanted to grant me access for 10 days rather than full 30 days " in order to prevent me from being billed again ''. Upon reviewing my contract, there was no such clause. The prorated amount owed to XXXX XXXX for 10 day access for XXXX 2017 is calculated at XXXX. I am willing to pay the legally owed amount.
I contacted XXXX XXXX in writing to dispute the amount and offered to settle, but they ignored my letter and have continued to have third-party collection agencies try to collect this invalid debt.