davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

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 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (MD)

Southwest Credit Systems is trying to collect a debt for XXXX XXXX which is not mine. The person whom they are looking for has a similar name but different social security number.I have received harassing and threatening calls and they reported the false information to XXXX This derogatory information is preventing me from closing on my new home. It 's frustrating and unfair. As a consumer I feel powerless, how can I protect my credit from such situations. I have contacted Southwest Credit Systems several times and although they have admitted the social security numbers are different they refuse to remove the false information. The XXXX has contacted the company 5 times and each time Southwest Credit Systems ignored their letters and email. XXXX is also currently waiting to hear back from Southwest Credit Systems but they have yet to respond to them. I do not know what else to do. All I am asking for is a letter to clarify that I am not who they are looking for so that I can close on my home and go on with my life.Please help me!!!
Consumer complaint received 2016-09-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

I called into Wakefield and Associates using the number on my credit report on XXXX XXXX, XXXX at around XXXX. In that call I provided my name, social security number and date of birth and the male representative told me they did n't have any records matching my information. On XXXX XXXX I filed a dispute with XXXX and on XXXX XXXX I filed a dispute with XXXX and XXXX. The results were that the account was verified on XXXX and XXXX but that they had removed the account from XXXX. On XXXX XXXX I sent a letter to them at the address listed on the XXXX removal. The dates in my letter stated my call was in XXXX instead of XXXX, that was an error on my part but I included a copy of the removal and asked that they also remove from the other XXXX bureaus. On XXXX XXXX I also made a call to XXXX on an unrelated note and inquired as to how something could come back as verified if the company was given my information over the phone and told me they had no records for me. The representative then disputed the account again asking them to verify all personal information. On XXXX XXXX I checked my XXXX report and the account was gone, ten days later the account was back as a closed collection account. At this point I 'm assuming that they already received my letter and were only able to verify personal information because they got it from my letter. At this point they are playing with my credit report and credit score and no one is able to rectify this situation. I have not received any response from my XXXX XXXX letter. It should also be noted that I called the hospital on XXXX XXXX as well and they told me they had no record of the account because it came from a date that was before their merger with XXXX other XXXX and they did n't have any records prior to XXXX XXXX, XXXX. They advised me to contact the collection agency, which I did and that 's when this situation arose.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Since Specialized Loan Services ( SLS ), has assumed responsibility for my mortgage XX/XX/XXXX, I have experienced ongoing issues ( i.e., misc unexplained fees charged to my Escrow Account, additional principal paid and not applied, payments being significantly increased without justification and/or notice, etc. ). 

On XX/XX/XXXX I contacted SLS as I received an " Intent to Foreclose '' notice. I immediately called and spoke with XXXX. XXXX stated I had been XXXX cents short in my last 13 payments and owed {$1.00} to bring my account current. I was told that due to my BK status, I was not provided any documentation/notice ( NOTE : My BK was completed and case closed on XX/XX/XXXX ). I paid the {$1.00}, reviewed my payment history with XXXX and was assured my account was current and I only owed upcoming XX/XX/XXXX payment in the amount of {$1100.00}. I was also advised by XXXX that they will now send me monthly statements and first one was mailed to me on XX/XX/XXXX. To date, I have not received the statement. 

I logged into my SLS account on Friday and saw a past due balance and notification they have a 'SUPPRESSED - BAD ADDRESS '' for me. I called SLS today as they were closed yesterday for the holiday. I spoke to XXXX ( Supervisor ) regarding address and confirmed the address SLS has on file for me is my correct address. She also told me my account was 60 to 90 days past due. I was then transferred to XXXX in Executive Services, who informed me her records show I was 90-days past due and that every month I make a payment, it is being applied to previous months. I let XXXX know that I have never been late with my mortgage payments and had been through this for over 2 years with SLS. I let her know that their accounting systems are incorrect not to mention NOT transparent. I explained my frustration that every time I speak to an SLS representative, I am told a completely different story about my account. I let her know I have an XXXX spreadsheet noting every payment made to SLS and date my checks have been cashed. I also told her I have {$520.00} in additional principal paid XX/XX/XXXX and XX/XX/XXXX that no one has accounted for to date ( has not been applied to principal or escrow account ). 

I am filing this complaint as a matter of formal record to complain about SLS 's accounting system/ lack thereof. How on XX/XX/XXXX can I be told I am current and 11 days later I am advised I am 90 days past due? Attached is my XXXX spreadsheet for your perusal.
Consumer complaint received 2015-07-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Berlin-Wheeler, Inc-MO is apparently a collection agency. They are reporting a {$50.00} collection from my primary care physician XXXX XXXX XXXX. My doctor requires all co-payments be made at the time of visit as this {$50.00} was paid. I 've returned to my physician many times since then and they have never inquired or requested {$50.00} as stated. The contact information from Berlin-Wheeler is XXXX. XXXX XXXX in XXXX XXXX, MO XXXX. XXXX : XXXX and use account # XXXX. Also use Address ID # XXXX
Consumer complaint received 2015-06-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My HELOC was interest only and became Interest and Principle to be paid in 5 years. I asked Specialized Loan Servicing to do a HAMP2 to make my home affordable on this XXXX mortgage, I have a Hamp on the XXXX. They refused and did a modification lessening the payment by about {$80.00} a month Payment $ XXXX per month. Now I am asking for a modification or short pay buyout and this has been going on since XXXX XXXX, 2015, they keep saying they have not received the documents requested and I have email them many times. Attached are the Documents they requested and said they did not receive.
Consumer complaint received 2015-04-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have a letter from XXXX consumer services of an agreement from XXXX for a modification on my Home Equity loan dated XX/XX/XXXX. The modification was for 2.00 % fixed for 240 months. Recently XXXX sold my loan to SLS ( Specialized Loan Servicing ) SLS is stating that my interest rate was 2.00 % and now going to 3.25 % because it 's a variable interest rate. I was under the impression that i had a loan modification for 2.00 % fixed for 240 months. Can you look into this for me or let me know another contact? My contact previously was XXXX XXXX XXXX PH : XXXX and i 'm not sure if he 's still at XXXX. I also have a case number from Consumer Financial Protection Bureau ( CFPB ) case # XXXX that was in a letter sent to me by XXXX XXXX. SLS has also not explained why the interest rate has moved up from 2.00 % as the prime rate has n't changed for a few years and it 's still 3.25 % according to XXXX XXXX XXXX prime rate By XXXX as of XX/XX/XXXX. I 've been paying at 2.00 % interest for years with XXXX before they sold my equity loan to SLS. I 've contacted XXXX and SLS with no resolution. My last contact at XXXX was on XXXX XXXX XXXXXXXXXXXX. Workflow Supervisor Lending Services-default Management XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX ( office ). He emailed me stating that he would send the settlement information from XXXX to SLS, in case SLS misplaced the modification. I asked for a signed copy of it and have n't got a response from him. SLS customer service number is : XXXX. Left message and they have n't got back to me either.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (PA)

I opened an AARP CHASE Visa credit card account and wanted to set up e mail notification of when my balance is due and when payment has been received. When I went on CHASE 's site there was a message that this already had been done. Knowing that I had not set this up I phoned CHASE 's XXXX number customer assistance. I was told the conversation would be recorded and replied that that was acceptable as along as I could record the conversation too. The customer service representative told me CHASE does not give customers consent to record. My response was that I do not give CHASE permission to record and was told without my giving this permission she could not speak with me. I wrote to XXXX XXXX, Chairman and CEO of JP Morgan CHASE and detailed the problem. I received back a letter from the Executive office stating " We do not give customers consent to record ''. The letter also stated " Chase did not CREATE a username, password, or online profile for your AARP account ''. The letter stated the profile was established in XX/XX/XXXX when I took out an auto loan with CHASE. CHASE 's records show that this account was logged into in XX/XX/XXXX. CHASE states " as a convenience to customers and for ease of use, all new accounts for our customers are automatically linked to their preexisting online profile. When the AARP credit card account was opened, it was automatically linked to my preexisting online profile. '' It would have been extremely helpful if CHASE had notified me by e mail that this had been set up. In all of my transactions with credit card companies none have done this all of my accounts are independent and established by me. Upon contacting CHASE 's executive office and requesting to speak with the individual that sent the letter I was told CHASE was recording and I could not. This matter is not yet resolved and my e mail notification with CHASE has not been established.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I previously complained about bank of america about the reporting on my discharged accounts during and after my bankruptcy.They agreed to remove the negative remarks they were showing that were in addition to the bankruptcy notation.Now once again they have added those remarks back.They have my account marked as discharged in bankruptcy, but then under history through XXXX they say ( late 90 plus days ) 1 time in the month of discharge.Then under ( worst delinquency ) collection.No discharged loan can ever be late or be in collection by federal law.Also they previously agreed to remove these marks on other complaints
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I do not recall ever having an account like this. Sent a request by mail to please provide evidence and nothing has been receive. Please help The account in question is through Portfolio Recovery Asso # XXXX showing
Consumer complaint received 2016-05-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (OH)

chase credit card " hacked '' twice in last 3 months -- up to {$12000.00}. Chase credited my account, issued new card, wo n't investigate. Complaint filed with XXXX XXXX ( XXXX XXXX ) police department forwarded to XXXX county XXXX sheriff 's office for investigation, and hopefully prosecute as a 2nd degree felony. no cooperation from Chase, no telephone numbers or addresses for chase.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Assets is trying to collect on a XXXX debt. I did have a XXXX account at XXXX time, however, the amount owed does not match what was owed, at all. I have told them this repeatedly. First, I did not get notice that they took over the debt when they did so, so I could not ask for Validation within the first XXXX days. Secondly, I have asked for validation for XXXX years now, and they only send me an electronic file with general information. I have specifically asked for the account history so that I may try and recognize this account is mine, and if so, that the dollar amounts are correct. I say this because my original credit limit with XXXX was only XXXX. The last balance owed was not near this amount at all, maybe XXXX. I have asked PRA to provide some kind of original documentation that CLEARLY states this is my account, i.e. transactions, and how the XXXX dollar amount was come up with. They have not done this. 

I called them again last week, and was told that the last certified letter I sent was sent to the wrong address, I sent it to XXXX XXXX XXXX, and the PRA employee stated it needed to go to XXXX XXXX XXXX. She told me I had to send in a new letter to the XXXX XXXX address. However, I sent it to the exact address in my credit report, and someone from PRA did sign for the letter as I have the receipt. I told her this, and all she could say was, " its a new year, send in a new letter ''. I feel this company is doing everything possible to avoid providing the proof I requested, by all these stall tactics. I want to get this resolved, and am not getting anywhere with them. I feel that if they are demanding this amount of money and from me that they need to prove ownership without a doubt since there is an issue with the dollar amounts. There is also something on XXXX of my credit reports starting in paid {$100.00} on this account XXXX 2013 and XXXX 2013, which I did no such thing. Can you help me get the information I need, or can you help me get them to delete this from my credit reports if they truly can not prove it is my debt/ and or the accuracy of the amounts owed? Note : I have tried to dispute this through all XXXX credit reporting agencies and got nowhere.
Consumer complaint received 2015-03-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a concern with companies in general. The retention of personal information i.e. email, phone number, address, and social security number even after business with a company is no longer prevalent. Specifically, Capitol One 360 has said information and according to their policy they can not delete the it. In light of recent hacks to many consumer 's financial information I am concerned about having that on file from a company which I no longer conduct any business. They may notify me after the fact of any breach, however, what is a person to do if their information especially Social Security number is compromised. It would be proactive to not have that information available in the first place, especially when all accounts are closed. Lastly why do they need to keep this information? With several companies, XXXX and XXXX in particular, data mining people 's information only to be sold to advertisers and whomever else for profit, I can only speculate as to what these financial institutions are doing with this information. I write asking for a proposal for legislative change that gives the consumer power to redact and delete their details from companies when they choose to no longer conduct any business with them. In the mean time are there any other means a consumer can use to achieve this? It appears we 're all at the mercy of the company 's policy.
Consumer complaint received 2015-09-17
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Quality Lenders Inc (SD)

I sent a letter in XXXX requesting alidation of debt. I have never taken out a pay day loan, and have no knowledge of this debt what so ever. This company never responded to me, but continues to hold a judgment on XXXX credit reports.
Consumer complaint received 2016-07-12
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

I am filing a complaint towards JP Morgan/Chase Financial Mortgage services in the XXXX California region. I believe that when buying my home, employees of this institution were in violation of TILA-RESPA Integrated Disclosure ( TRID ) based on my basic understanding of this regulation. My husband and I received multiple closing disclosures with various amounts owed to us or owed by us until the very hour we were to meet with the notary for our final signing ( we were to sign documents at XXXX on XXXX XXXX and the last email communication was at XXXX PST ). In the final documentation, pertinent information was omitted or incorrect ( e.g., it stated that we made no income in the year prior, it had another couple 's name, social security number, and other private and confidential information ). We also had no opportunity to ask questions, revise or amend these disclosures. We were threatened multiple times via conference call, text message, and email that we would not close on time should we delay this process and had been told that as this was a VA loan, they [ the VA ] required specific documentation and must meet strict timelines. Although we currently live in our new home, we are still asked to sign documents for the loan application that have missed our signatures or were not completed correctly which needed to be completed prior to closing. Further, we received multiple promises of monies owed to us that we never received in entirety. Lastly, although the vice president senior lending manager was amicable, flexible, and receptive to these grievances, managers that he deferred us to were either unavailable, condescending, or incredibly difficult to communicate with, and did not follow through with any of the stipulations that were agreed upon during our multiple email exchanges and conference calls.
Consumer complaint received 2015-10-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (FL)

I have been paying on my private loans for 8 years now without ever missing a payment. According to my financial history as provided by XXXX XXXX XXXX, I graduated with {$26000.00} in private student loan debt. To this day I still owe {$25000.00} on my private student loans. According to those numbers I have only paid off less than {$1000.00} on my private loans in 8 years of on time payments. How are they calculating interest on these loans? I am having a very hard time believing that I 've only paid {$990.00} on these loans in 96 months of paying on them. This is clear fraud!!
Consumer complaint received 2016-06-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MarkOne Holdings, LLC (NC)

I was being stalked by the finance Mgr., I would not agree to go out, so he made my life a living XXXX! I returned my car because it was a lemon. 
It has been close to 8 years, and mark one is still reporting every month as if i have a recent repo? it was n't a repo, it was a voluntary surrender. 
MARK ONE is a big RIP OFF!!!
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have tried to resolve this issue with PRA directly to no avail. I am frustrated by their lack of service. There are several inaccuracies being reported by Portfolio Recovery Associates ( PRA ) to all XXXX credit reporting agencies ( CRA ). I have contacted PRA via email and by phone several times to discuss the incorrect reporting and have not been able to have them respond as to why the information is incorrect. See attached initial email, contact timeline and supporting documentation from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
Since PRA was unable to assist with an explanation, I contacted XXXX of the CRAs and XXXX, in an effort to determine why the inaccuracies were appearing on my credit report. I explained to both what I was seeing and XXXX stated that I should work with the entity reporting to the CRA, ( PRA ) since neither of them may change PRA 's reporting.