davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Trying to do a short sale on property located at   XXXX   XXXX   XXXX   XXXX   XXXX   NY  XXXX   XXXX  is in  XXXX  condition. Valued at  XXXX .     Bank is asking  XXXX  based on a appraisal done prior to my short sale submission.   When I asked the bank for a copy of their appraisal I was refused. I was told that that was the value and I would have to take their word.   They also told me at a later date that even if their appraisal comes in at a value they do not like they have people that have never looked at the property makings fair market value desicion from behind a desk without even looking ant the property.     I faxed the banks attorney at at   XXXX   XXXX   XXXX   requesting the appraisal and was denied. I believe that they real have no interest in Helping us avoid foreclosure and that they are tolling our account at a high interest rate 8 % .so they can as the servicer use my home as a cash register for their benefit.
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (VA)

XXXX   XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX   XXXX  ( AFNI ) have put items on my credit report which are not mine and have refused to answer any inquiries about these accounts. Neither, Have never provided any documentations and I know for certain these accounts are not mine. Please help because I have sent ove r 6 le tters over the last year and no one helps or assists. They refuse to remove accounts which are not mine and violated my rights
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (ID)

I was sent an email back in  XXXX  that I would receive 10 % cash back from  XXXX  to  XXXX   XXXX  in the form of a statement credit for purchases made on  XXXX . I still have the email saying I was enrolled in this offer. I spent thousands on  XXXX  for  XXXX , because of this offer. I then followed up via chat on  XXXX / XXXX /  XXXX   and was told that I would receive the credit in 90 days  (  on my  XXXX  statement ). I was fine with this and let it go. It 's now  XXXX  and  XXXX  passed with no statement credit as promised. ( I took screenshots of my chat as well  ). I  get on the chat today and was told that it was " investigated by the marketing department '' and that no such offer was on my account. This is now th e THIRD time I  've enrolled in these offers on my page that have not been credited as promised. I am now extremely fed up wit h American Express  and once my credit card is paid off I will be canceling it and I will never do business with your company again. This is extremely unethical and I 've now found numerous forums with people having the same issues as I am. Do n't offer " offers '' at all if you ca n't honor them!
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: V and H Portfolio (WA)

I was contacted today by a woman claiming to be an attorney fro m Vance and Huffman Law Firm. She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for g iving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened  XXXX   XXXX   2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.
Consumer complaint received 2017-05-15
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allied Collection Services, Inc. (Nevada) (NV)

I was first contacted about my debt back in  XXXX . I swiftly told them not to contact me about the matter. ( As I 'm broke and could n't get on medicare to help pay my medical bills ) I then start receiving calls that ring for a second and stop. This can happen up to twice a week. Then today I received a call from someone asking if they were talking to me. I asked who I was speaking with and they would only say that it was a personal business matter. They would n't say who they were and I told them I already told them to not contact me and put me in their do not call list, the lady hung up very quick. So I called back and sure enough it was ASCI the same people I told not to contact me. I was transferred to a manger who tried to get me to pay my bill instead of helping me get off their contact list. She then argued that I have to send in a hand written letter stating that they cant contact me. I dont have the time or resources to do that right now. I work too much. I just want them to stop contacting me. Its already on my credit there is no point in paying it. They couldve just helped me out but they are too worried about commission then worrying about them being rude. they dont treat people like people. You 're just another number to them. The tactics they use are sick. I used to work there. Rudest people on the planet.
Consumer complaint received 2017-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (FL)

To whom it  may  concern ; I am writing in regard to the referenced accounts and transactions.     This vehicle was repossessed by  NFCU  in the  State of F lorida on or about,   XXXX    , and resold on or about  XX/XX/2014   .   Under the laws of the State of ( State of Repo ) UCC  9.506 and   State  XXXX  and  XXXX  statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available  State and Federal s tatutes and  UCC 9  remedies.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a Chapter  XXXX  Bankruptcy in  2005 . Case  XXXX . The bankruptcy was  discharged without a reaffirmation agreement. Bank of America is aware of this. They continue to report the mortgage account when it becomes delinquent as if I owe the money. They are able to foreclose if the loan is delinquent but they can not pursue for money damages. They should not be reporting that I owe them money or collecting on a debt that was discharged.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

There is a bankruptcy reported on my credit report that is incorrect. I have disputed it and the CRA has maintained that the court has verified it. This is a lie, the court verifies no such information. I have included the transcript of the voicemail left by th e Clerk of Court. She has provided her number if they need to call for follow up.  I 'm not sure where they are getting the information but it is not from the court as they have said. Additionally they verified the bankruptcy as a reported "  XXXX  '' balance case. I 'd like to know who files bankruptcy on for a  XXXX  balance? The clerk has also verified they do not provide social security numbers or birth dates to PACER or the likes. The reporting of this information is a clear violation of the FCRA.
Consumer complaint received 2017-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANKERS HEALTHCARE GROUP LLC (NV)

Bankers Health care Group aka BHG-inc.com sent me an credit card to XXXX XXXX XXXX XXXX with an online application for approval. I filled the short application on line with my SS number and DOB which was required and address etc. There was no provision for entering my Fed ID number. I got a phone call from one XXXX XXXX XXXX who wanted few more information further to my on line application. When it came to the Fed. Tax ID number, he said that he had the number and neither did he tell me the what the number was or did I ask him to verify the number. After answering all his question over the phone he said he will email me forms for me to fill out on line and send it back to him. <P/>The form on the email sent me had my correct SS number and DOB but a Fed ID. number that was not mine and never been mine. When I called him about the discrepancy in the Fed ID number he said he got that number when I had provided when I had applied on XX/XX/2016. I  requested a copy of that application by email or by US mail to verify that information. <P/>As of this date I have not received the information and the Tax ID on the form he sent me for me to sign was XXXX. THIS TAX ID IS NOT MINE NEVER BEEN MINE. <P/>I checked this company at XXXX and there is a doctor who made a complaint regarding this company accusing them of fraud and ID theft. Also on face book there were complaints to the fact that the company never makes any loan but forward the information two attorney 's in XXXX under the name of XXXX XXXX XXXX. I personally have a suspicion that the company makes loans to dummy accounts using false ID 'S and ID Theft. <P/>Please investigate this company for : Using a False Fed ID or Fraudulent Business practices.
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

i have a mobile home loan with  Greentree finance who sold loan to Ditech it was paid off about 15 to 18 yrs ago but never got lien released thru SC dept of motor services. we went to get title from them they said it still had a lien on it and said to contact Greentree when we did we found out it was sold to Ditech. we contacted then they said it would take 10 to get a letter of release we waited about 2 weeks did not get anything in mail we called back they said it could take up to 30 days still nothing. we have made no less than 10 calls everytime we get a differe nt answer. last week we were told to fax a request in and ask them to contact us about this again no acaa back now they tell us we need to email info to  XXXX  XXXX  XXXX . they mobile home has been sold and the new person ca n't get permit to have it setup without a clear title.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CT)

I paid a  XXXX  {$750.00} o n    X/XX/17  for  treatment that I was supposed to receiver on   XXXX   XXXX   over the following three weeks. During th e third and final s ession I realized that he was only treating  XXXX  of the  XXXX   XXXX . When I pointed this out to him he jumped up, got my chart and read his notes. He apologized for the mistake and treated the other  XXXX   XXXX . At the end of the appointment I mentioned that we would have to schedul e  XXXX  more appointm ents so that those  XXXX   XXXX  would receive a total o f  XXXX  tr eatments. He replied, " No, that wo n't be necessary. '' When I realized that I had already paid for treatment that I did not get I disputed the charge ( I had paid with m y Visa card ).  XXXX   credited my account {$750.00} " temporarily '' until they could review the disputed charge. They subsequently wrote to me and told me the they had closed their investigation and reversed their credit. They gave me no reason for their decision. I believe I am entitled to the credit.
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (RI)

The attached information constitutes a formal complaint against  XXXX  mortgagees and/ or service lenders ( collectively referred to as mortgagees ) who have successively ( mis- ) handled my loan :  1 )    XXXX   XXXX    ; 2 )   XXXX  ; and  3 ) Fay Servicing.      I believe that these mortgagees have conspired to defraud me, the consumer, from federal initiatives and the protections of federal guidelines. Further, it is my belief that the mortgagees have misrepresented terms of my loan and rights to which I am entitled ; failed to process my requests for modification, other documents, and qualified written requests in a timely manner ; intentionally complicated matters for the purpose of confusing the consumer and thus denying available assistance ; transferring the loan from a    XXXX   XXXX   servicer to non-  XXXX   XXXX , thus indisputably and unlawfully altering the terms of the mortgage ; failed to fully apprise the consumer of available options, specifically modifications for which I was eligible ; altered the terms of the modification after the completion of the contracted trial period payments, at significant cost to the consumer ; reported deficiencies to credit bureaus despite on-time payments in full ; notified via certified mail my former spouse, whose name was never on the loan, in violation of privacy protections ; negatively impacted my eligibility for  XXXX  funds, in large part due to the failure to process documents in a timely manner ; used abusive, harassing and coercive tactics in attempts to intimidate me into surrendering my rights and paying excessive monies, further compounding the   XXXX   XXXX   that was created by the referenced failures of and abuses by the mortgagees ; refused to provide reasonable accommodations for documented  XXXX , and discriminated on the basis of said  XXXX  ; and other actions by the mortgagees.   The details of the complaint and supporting documentation are attached.
Consumer complaint received 2017-05-15
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 have submitted several request to Equifax to remove inquiries that I have not made on my credit report. I discovered these inquiries while reviewing my credit report report. Each time I have made these request by phone, mail and online they have sent me the same letter, which only explained what an inquiry is. By Equifax sending me this letter and reading me this script several times allows me believe they have not reviewed the inquiries belong on my credit report or my disputes. This is the only documentation I have received. My disputes began in  XXXX  of this year. The following days I initiated disputes of these inquiries :  X/XX/2017   ,  X/XX/2017   ,  X/X/2017   ,  X/XX/2017    and  X/XX/2017   .
Consumer complaint received 2017-05-15
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have previously submitted a complaint #  XXXX  on  XXXX  that is still ongoing. The complaint is in regards to mishandling/misapplication of my payments among other issues. Since Huntington has taken my mortgage loan over from  XXXX   XXXX  there have been many issues that led to the original complaint. Because of the nature of those issues, I certainly do not want to keep handing money over for them to continue to be mishandled until the issue is corrected. I have since been receiving calls, letters, messages, even though I have stated very clearly that I have the open complaint and explained the nature of it and why I do not want to make further payments until it is corrected. The calls and letters are still continuing, with another call and a letter this morning. I do not find it unacceptable to have their collection department calling and mailing me like I have done something wrong- the reason I have not made recent payments is because the last time I made a payment on  XXXX  ( after I had told them there was an issue ) I was assured the issue was corrected. Except it wasn't- they said that just to get money then misapplied it as I was promised would not happen. I should not be responsible for or harassed because of the length of time that it is taking them to correct it.     On an even more concerning issue- the person I spoke with on  XXXX  that called to 'collect the payment ' showed that there is a deep issue within the company and/or with my loan. He stated over and over- and over- again that my loan is an interest only loan, except it is not. No matter how many times I said it was not, he repeatedly told me it was and that my complaint is wrong and I just need to pay because that is what I owe and 100 % of my payment will go toward interest. The obvious issues here are ei ther 1 . He is just saying anything to try to get money, including telling customers completely wrong information a bout their loans and even telling them they have a different loan type than they do, and/or 2. Huntington has indeed changed my loan type to an interest only loan, which it is/was not. This is a horrible tactic and one that would certainly confuse or scare many customers that may not be knowledgeable about their loan, particularly in something such as an ARM loan. Whether he was lying to try to get money or Huntington has taken it upon themselves to change the loan type, neither is acceptable.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is reporting a false foreclosure to the  XXXX  credit services. BOA received a consent order signed by  XXXX   County S  uperior Court Judge   XXXX   XXXX  on   XX/XX/XXXX   stating that the BOA foreclosure was a MISTAKE on the part of BOA. I PAID MY MORTAGE IN FULL ON   XX/XX/XXXX  . Yet BOA is reporting late payments  XXXX  times.   Bank of America was supposed to correct the error with   XXXX   XXXX  and  XXXX  . As o f  XX/XX/XXXX  BO A has not corrected their MISTAKE. Because of  BOA  's MISTAKE I have been locked out of the traditional credit markets. I can not even get  a   XXXX   XXXX   XXXX    credit credit card. I can not get a mortgage to buy a home, because my  credit score  is in the  XXXX   XXXX . BOA 's MISTAKE has cost m e thousands of dollars in legal fees and exorbitant interest rates in the tertiary fin ancing markets ( maxed-out credit cards  ). B OA forced me to liquidate my business to generate cash to pay my bills. I have contacted BOA numerous times to no avail. the last BOA person I spoke to was  XXXX   XXXX ,  Resolution speciali  st   XXXX   XXXX , to no avail. I have all of the documentation for anyone 's review.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (IL)

I have inherited a  Discover credit card. As I look at my Credit Report, the report says  that I opened this account in    1993 ( which  is not true ). First of all, Discover Bank does not give credit cards to someone th at their credit score  is around  XXXX . Secondly, if I would have opened this account i n 1993, I have  had  XXXX  bankruptcies and the card would have been wiped out. Here is the most important part, this card belongs to  XXXX   XXXX  who passed away several years ago. My wife inherited her estate and I was not a part of that. The estate has be all settle and then I started getting calls about this card a couple of years after  XXXX  passed away.