davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AL)

My Home loan was originally serviced by XXXX XXXX XXXX in XXXX. My original loan was XXXX. XXXX packaged the loan with a HELOC for XXXX and all payments were through them directly. In XXXX I refinanced my property with XXXX and was told there were no additional obligations. Later in XXXX, I began to receive calls from SLS for payment and threating against my property. I have attempted to settle this matter directly by phone and agreed to send them a check in the amount of XXXX. I was told by one of there representatives that loan was to pay against a check that was sent to me for home equity. I have never requested or received any money. In addition, I found out the part of my land was no longer mine. I have attempted a lawyer but this company is still contacting me and has even attempted a foreclosure. 
1.Specialized Loan Servicing is attempting to collect on a loan without showing proof of ownership for the loan. 
2. SLS is responsible for selling a loan whereas the description of the property does not match the loan documents. 
3. XXXX failed to pay my property taxes from escrow. SLS now represents this company and has caused me to lose part of my property in a tax sale due to failure to pay property taxes on property they financed me. 
4.SLS has costed me XXXX in loss of property and income. 
5. SLS did not send out regular payment schedule and waited years later to quote me different balance amounts inconsistently.

6. SLS did not send me statement for years and now are attempting to collect which has exceeded the Statue of Limitations. The original loan is XX/XX/XXXX. 
7. SLS has attempted to foreclose on the remaining property described in my loan that is being serviced by XXXX XXXX loan XXXX.
Consumer complaint received 2021-03-29
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. (VA)

I recently mailed a letter to Credit Bureaus for disputing items appearing on my credit report, which they maintain. The response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. 
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX  XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor 10 XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XXXX has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters. 

I. XXXX/HSBC/XXXX  XXXX knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. 

II. XXXX/HSBC/XXXX  XXXX failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

III. XXXX/HSBC/XXXX  XXXX communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions XXXX is having on my life and would like a quick resolve.
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Butler and Associates, PA (KS)

On XX/XX/XXXX I was provided with a Garnishment notice from my employer for a Judgement from back in XXXX that I was never properly served for which resulted in a default judgement. I was made aware of this garnishment in XXXX when my old employer notified me of a garnishment order while I was on XXXX leave. I filed a medical exception due to XXXX XXXX XXXX  & to give me time to dispute this debt as I was a victim of the XXXX XXXX Data Breach and this alleged debt transpired during the same week of the data breach. 

As a result of the XXXX XXXX Data Breach, I had a 2 year credit freeze & monitoring placed on my credit report from XXXX. I worked with XXXX XXXX Fraud Department & Filed Multiple Complaints disputing this debt. It was REMOVED from my credit report in Late XXXX as a result of the disputes. I thought this had been taken care of as I never heard anything about it again. 

On XX/XX/XXXX, I received a notice in the mail from this debt collector notifying me of a Garnishment Release from a old employer that I stopped working for in XX/XX/XXXX. Then two weeks later my current employer received a garnishment order. 

Not only was this debt supposed to be resolved due to XXXX XXXX Data Breach, I was never properly served, The Debt Collector was unable to validate the debt in XXXX when requested, The documents the debt collector provided me appear to be fraudulent & drastically inaccurate. But also, this debt collector had a garnishment order active for 4 years without receiving any payment, or any answer from garnishee. Which negligence of Debt Collector & Garnishee resulted in {$5000.00} in interest for a debt I do not owe.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

The debt in question is the Department of Veterans Affairs in the amount of {$3600.00}. This account was paid of XXXX XXXX. This is not a collection account. Experian is reporting this account as currently in collections for XXXX and XXXX of XXXX This information is in accurate and completely false. I have disputed this with the original company ( the United States Government ). They have told me they are not reporting this as a collection. I obtained the original documents from the department of veterans affairs from the U.S Government. I have supplied this documentation to Experian. I have disputed this account ( 6 ) times! They continue to report this account as a collection account in collections as of XXXX and XXXX of XXXX
Consumer complaint received 2021-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CO)

This issue with TD Bank first began when I moved outside of TD Banks footprint. My account was placed on hold until I could verify my identity which was via the submission of my credentials and a signed and notarized affidavit of identity. TD Bank restored my access to my account until sometime in XXXX when I presented a check to TD Bank which end up bouncing. The fraud department suspended my access to the account until I could submit requested documentation and bring my account to a positive balance. Once I had met the conditions set by the fraud department as discussed my access to my account had been reinstated. Later I was contacted by management from TD Bank in XXXX XXXX, Florida which was known as my " home branch '' the manager requested I resubmit identity documents, she advised she would be able to take the proper action once I had provided the requested documents. Shortly after providing the requested documents my account was placed on hold again pending closure. I Contacted TD Bank customer service who redirected me to the branch. Management said that due to a check I had submitted TD Bank chose to close my account however prior I worked with TD Bank 's fraud team to reopen the account in good standing. I selected TD Bank to receive my tax refund which was deposited into TD Bank however due to the hold on my account the funds have not been made available to me nor has TD Bank been willing to work with me to reopen the account. TD Bank stated that the account would be closed and the balance of the account disbursed to me in form of a cashier 's check however TD Bank continues to withhold these funds from me and has not closed the account nor communicated with me about the status of the account or my money. I have entered into extreme hardship do to this treatment of TD Bank.
Consumer complaint received 2021-03-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (FL)

I entered into a consumer credit transaction with XXXX XXXX XXXX. I received a letter from Radius Global Solutions LLC stating that this account has been sent to them for collection. Upon receiving this letter, an affidavit, debt validation and cease and desist letter were sent to the address provided on the debt collection letter. Also, after investigating this letter, I noticed there were violations and federal rights being disregarded against me as federally protected consumer. According to 15 USC 1692k ( 2 ) ( a ), in the case of any individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MO)

I paid XXXX on XX/XX/2021 to payoff the full balance and payment post to account. On XX/XX/2021 it was reported 30 days past due on XX/XX/2021 to my credit report. This account is closed and paid in full.
Consumer complaint received 2021-03-26
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: Meade & Associates, Inc. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2021-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting a complaint in regards to my XXXX account that is held by XXXX  XXXX  Back in XXXX of 2020 my account was closed by the creditor due to XXXX taking them over. I never had a physical card with XXXX and no account number. I had to pay this card via XXXX XXXX XXXX Well in XXXX when they closed down the website went down as well. I contacted XXXX  back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of 2020 XXXX called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor XXXX my request XXXX what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from XXXX be removed off my credit reports. I pay all my bills on time and my credit is extremely important to me.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CT)

The company currently servicing our mortgage reached out in XX/XX/XXXX to refinance our mortgage due to the low rates, so we agreed. We locked in a rate of 3.125 % on XX/XX/XXXX with NewRez and supplied them with all the upfront requested documentation and eSigned all necessary forms. It is now XX/XX/XXXX and we still have NOT closed on the refinanced loan and they are asking for more documents, and my husband to correct the figures multiple times on the documents provided by NewRez for the refinance ( incorrect escrow figure, property taxes, etc. ). We constantly reached out to the company throughout the multitude of months since starting the process in XXXX and were told various stories about how the loan would be underwriting soon once one more bit of information was verified -- and the information to be verified never was accurate to begin with for our loan. Or, there would be no response and no escalation even after we demanded status updates with set deadline dates for such information. We have lost out on four months of saving {$300.00} a month that the refinance should have secured had it closed at the end of XX/XX/XXXX as it should have closed, and we now can not refinance with an alternate company at the same rate as rates have now increased, and also, the loan office does not get paid until this loan closes so there are multiple parties effected by this company 's gross incompetence.
Consumer complaint received 2021-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I was the victim of an extortion scam by people who pretended to be government ICE agents and XXXX XXXX Police. They used the correct numbers and location tags that corresponded with both agencies. The " ICE agents '' had me visit the ICE website and read multiple documents to ensure that I understood the consequences of refusing to comply with their investigation. 

They threatened to arrest me on identity theft charges and would use force if I tried to evade arrest. To avoid getting arrested altogether and continue the identity theft investigation as a free citizen, I had to pay the amount of an immigration bond. 

I was asked to download the app XXXX on my phone to grant remote access, which I didn't know. I was told that this app would be used to monitor my phone activity so that I wouldn't be suspected of running away from the current phone investigation. 

I made two separate Chase XXXX with XXXX transactions to an account that I was told would be my attorney for the investigation. The account was for XXXX XXXX, XXXX. The first transaction was {$1000.00} and the second was {$950.00}. 

After realizing I had been threatened by fake agents and police, I filed a complaint with XXXX, which they are investigating, and attempted to file a complaint with my Chase bank, but many Chase representatives have refused to submit a claim. One rep. finally submitted a claim, but it was rejected by Chase 's system and when I called about it, another rep. told me that Chase doesn't investigate any scams involving XXXX, even though this transaction was with Chase Bank. Overall, Chase Bank has been incredibly unhelpful. 

I also submitted complaints to the Federal Trade Commission, Federal Reserve Board, FBI : Internet Crime Complaint Center IC3, Fraud.org, Federal Deposit Insurance Corporation, and Department of Financial Protection and Innovation.
Consumer complaint received 2021-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Failure to respond to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the CAPITAL ONE AUTO FINAN XXXX ] within the time set forth by law.
Consumer complaint received 2021-03-28
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: Seattle Service Bureau, Inc (NE)

The credit bureau is reporting a collection account with National Service Bureau in the amount of {$1600.00}. This is not my account and it is identity theft. I did not receive any services from this company. This is not my account and needs to be removed from my credit report immediately. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act. This is also a violation of the HIPPA law.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I consumer XXXX XXXX never contracted in any transaction with PROCOLLECT INC yet they are harassing me about a debt. They have committing multiple violations against me. Ive invoiced them regarding the violations against me via sworn AFFIDAVIT. They have caused injuries to me with there erroneous claims.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (NJ)

I was a victim of credit card fraud. Somebody used my America Express credit card. I did report it to them. They did investigate it and clarified everything but they cancelled my credit card. They never sent another one. It felt like it was my fault. I am still paying it but they denied me a replacement. I spoke with them but they said not to me. American Express never sent another card. That is discrimination.
Consumer complaint received 2021-03-29
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. (CA)

I have repeatedly reported errors to Equifax on my credit report. I requested that they provide me with the source of the data so that I could dispute it with the provider. 

As an example of an obvious error, they are reporting an address that says it was reported over 100 years ago ( " XXXX XXXX  ). 

Instead of providing me with the source, they put my request in the " Consumer Statement '' field of my report.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AZ)

This is a formal written complaint to Chase Credit Card company for not updating my address information, failing to send a bill, and causing my credit score to drop almost XXXX points. There is an account reporting on my credit report for Chase and its showing past due. I have not used this account for over ten years and have received no documents from Chase that there is a balance. This is a joint account with my sister and these are her charges as I dont even have a credit card for the account and I canceled this account XX/XX/2020 after I found out it had a balance. I gave Chase my address to send any bills when I canceled the account on XX/XX/2020 since I dont have access to online and I have never received any statements or documents showing the account had a balance. I have always paid all my bills on time and Im not irresponsible with my debts. I have never had credit score issues and the reason I found out the account still had a balance was because my score dropped on XX/XX/2020 XXXX and today its XXXX. This is not my debt and now that Chase has adversely affected my credit I want this debt to be removed from my credit and my name. I have called Chase several times about this issue and the customer service employees say there is nothing they can do not even note the account I called.
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

Franklin Collection Services XXXX XXXX XXXX XXXX. 
XXXX, MS XXXX Date :XX/XX/2020 Amount : {$1200.00} I disputed and it still in my credit report this debt is not mine and I demand be taken off my credit report if its not taken off I will file a complain to the CFPB.