davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (NJ)

Subject : Debt Validation Request Account Number : I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and before I take any further action, I require the following information : 1. **Proof that you have the legal right to collect this debt** ( either the original signed contract or other valid documentation ).

2. **Details of the original creditor** ( including the name and address of the original creditor and the account number with the original creditor ).

3. **A detailed explanation of how the amount you claim is owed was calculated**, including fees, interest, or any other charges added to the principal.

4. **Documentation that shows the debt is within the statute of limitations** for collection in my state.

5. **Proof that I owe the debt** to your organization or that you have been assigned the right to collect this debt.

6. **A copy of the purchase agreement or assignment agreement** that transfers the debt from the original creditor to your agency, demonstrating that you are legally authorized to collect on this debt.

Please treat this letter as a dispute of the debt, and cease all collection activities, including reporting this debt to any credit bureaus, until proper validation is provided.

I expect to receive these documents within 30 days of receipt of this letter. Should you fail to provide this information, I will consider the debt invalid and will expect you to cease all collection activities and remove any information related to this debt from my credit reports. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (OR)

Our mortgage company Mr cooper sent us a letter stating our insurance company must have a grade b or higher, I called our insurance agency XXXX XXXX they told us they had a grade b and resent a copy of our housing insurance policy via mail. We got a second letter stating the same thing, this time we used there portal to provide proof of insurance and had our insurance company fax proof of insurance. We heard nothing for a few weeks and assumed the issue had been sorted. 1 week after our insurance date lapsed our insurer informed us they still hadnt paid and we would go uncovered if we didnt pay by the end of the month. After hours of phone trees I finally got ahold of a Mr cooper representative to informed me they actually require a b+ rating and they would not pay our insurer. I found new insurance as quickly as possible and got it going again but now our mortgage company is trying to charge us for carry over insurance XXXX. During that time we had coverage which they failed to accept but it was only an issue because they sent us faulty information.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since XXXX I have been subject to the crime of identity theft In the United States, I have been forced on several occasions to resort to claims in the different credit bureaus in the United States for information that does not correspond to my credit profile on this occasion it is the company XXXX MAKES A REPORT FOR A CREDIT FOR A VALUE OF XXXXXXXX XXXX WHICH I DO NOT RECOGNIZE FOR I DO NOT HAVE ANY COMMERCIAL RELATIONSHIP WITH THIS COMPANY, SO I ASK THE COMPANY TANSUNION TO VERIFY AND REMOVE THIS INFORMATION FROM MY CREDIT PROFILE BECAUSE IT DOES NOT CORRESPOND TO TRUTH AND I CALL ON THIS COMPANY TO VERIFY THAT INFORMATION AND NOTIFY ME IN CONTRACT WHICH I SUPPOSEDLY ACQUIRED THAT CREDIT
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

Back in XXXXXXXX XXXX  I had fraud charges in my Wayfair Citi credit card. I reported the fraud to Citi immediately. Citi completed their investigation and ruled in my favor, of course. And the charges were proved to not be mine. 

Here we are 10 months later and I have a debt collections agency called XXXX XXXX XXXX reaching out claiming that they are chasing me for debt from Wayfair. I was so confused about this and immediately called my Citi Bank to reconfirm that the charges were rolled in my favor. Citi again confirmed and even stated that Wayfair is NOT a bank and can not put me into collections. Citi said if anyone would put me in collections it would be them, the bank. And they use their own collections agency and it's not " XXXX XXXX '' Again, WAYFAIR is a store, they are not a bank, they can not put me into collections.
Consumer complaint received 2024-08-27
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Colony Brands, Inc. (AL)

For years I have had an account with Swiss Colony, Ginny 's, and 7th Avenue, who all operate within the parent company Colony Brands, owned by the XXXX XXXX I have maintained an excellent pay history with all 3 of these companies until I fell seriously ill in XXXXXXXX XXXX. I was hospitalized and spent several days in the XXXX for a XXXX XXXX XXXXXXXX. Since I only have XXXX XXXX, with no Supplement, I found myself owing major medical bills, which put me in a dire financial state. I began in XXXX trying to inform these companies of my plight and trying to find out if I could be placed on a hardship program within their company. I call each month. I tell my story over and over again. I am always placed on hold with a promise that I am being transferred to someone who can help me. The same thing happens every single time. I hold for sometimes close to an hour and I never reach a party who has the authority to help me, even after being told to ask for their XXXX XXXX. I am XXXX XXXX XXXX and I live on XXXX XXXX only. I am making an effort to pay my bills but I need help. I don't have the physical strength to keep holding for hours and yet never reach anyone, even after being promised I was being transferred to someone who could help me. Their 7th Ave. company even told me I had placed a Cease and Desist on my account, which I do not remember doing, and they could not talk to me until I sent them a letter. I am at a loss as to what my options are because no one will talk to me. This is extremely poor handling of a heretofore great customer!!!!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax can not provide evidence that I consented to them reporting my non-public information, transaction history and that I gave up my federal rights to opt-out and to my personal privacy. 

Their violations for several years has severely affected my ability to live, work, educate and function financially as a federally protected consumer. The data breach is proof of claim that the willful sharing of my private nonpublic information with affiliates and non-affiliates has made it possible to exposure and theft of my private information caused financial loss. Which has continued to adversely compromise my right to pursue happiness. 

I have given my instructions to the third-party agency XXXX, XXXX & Equifax to Remove transaction history and the following per the Federal Law. Instead of adhering to my federal right to opt-out I did not authorize the public display of my nonpublic information.

( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), ( 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ), ( 16 CFR 313.1 - Purpose and scope. ), ( 15 U.S. Code 6801 - Protection of nonpublic personal information ), ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ), ( The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), ( The Privacy Act of 1974 ( 5 U.S.C. 552a ) 552a. ), ( 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. ), ( 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION ), ( 15 U.S. Code 6805 Enforcement ), ( 15 U.S. Code 1692e - False or misleading representations ) XXXX XXXX  XXXX File Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (AZ)

Hard inquiry that I did not authorize or was even aware of showed up on my XXXX report from the below institution on XX/XX/XXXX : Institution Information CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After confirming the number was a valid institution by cross checking with XXXX, I called. The automation requested either the last 4 digits of a card or my social security number to speak with anyone. Obviously I didn't have a card number so couldn't provide that. Attempted to request to speak with someone and after 5 attempts just entered my social security number. Finally got a phone agent who spoke very fast and was very quick to get me off the phone even though he did not help me. Kept saying that Citi has a lot of different cards like home depot or Macy 's ( which i do not have any of! ). I asked him for a direct number to speak with someone because he didn't help me & he gave me a scam number XXXX which I also googled and can see that this is a reoccurring issue with Citi giving this number out.
Consumer complaint received 2015-04-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

Here is a copy of the letter I submitted to our mortgage servicer, Nationstar. After further research, Nationstar did contact our county for the tax amount, however, nobody seems to be referencing the figures shown on our XXXX, which reflects amounts necessary to cover our escrow needs. That is my chief complaint. 

Letter to Nationstar-After repeated, unsuccessful attempts to speak with a supervisor regarding our concern, I 'm now attempting to make contact and get answers this way. I want to dispute the increase of our payment based on a faulty escrow analysis performed on our account. According to the CSR 's that I have spoken with, an analysis was done, and revealed that we were short roughly {$2000.00}. This was based on an analysis that was done in XXXX, and based on an amount paid to our taxing authority, XXXX County. Had your analysis been done correctly, it/you would have discovered that the amount you paid to the county was for the last 2 months of XXXX, therefore making it a faulty analysis. Had you done the analysis correctly, you would have contacted the county, or perhaps even read the HUD1, and discovered that the amount to be set aside should have been $ XXXX, or {$2100.00}. An amount that would have more than covered the tax bill. I will not accept, nor be responsible for paying in the rears, and making up for an error made by your company that appears to coincide with your purchase of my loan, and shows the incompetence of Nationstar to properly service my loan. We will continue to make the necessary payments in an amount that will satisfy all current needs on our mortgage. Any shortages from XXXX can be absorbed by your company as a result of your own error. Figures below are based on Escrow Disclosure Statement dated XXXX/XXXX/XXXX, and the original HUD1 from our purchase of the home. P & I- {$900.00} Escrow- {$180.00} Homeowners- {$83.00} ( an increase over the HUD1amount of {$54.00} to cover actual insurance costs with Travelers ) MIP- {$200.00} Total- {$1300.00} This is the amount you will receive on our due date of XXXX XXXX, XXXX unless I hear from you with another option to correct this mess. If this does n't initiate some dialogue, then I 'll be submitting a legal QWR to resolve the issue. Thank you, XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit 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: Atlanticus Services Corporation (MO)

Made a large payment XX/XX/XXXX over & XXXX request information on fraud charges spoke with several representatives for balance I owe to close account ask for corporate address and telephone number to speak with someone regarding my complaint informed they cant release number or name they continue to charge fees on closed account I have been asking for documents for over 4 months they said I would receive it on XX/XX/XXXX but when I called representative stated someone lied to me so representative by name of XXXX stated he will send it out again but they will continue to charge late fee and maintenance fee on closed account I just want to pay for charges I made not fraudulent charges
Consumer complaint received 2015-04-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Hi, My name is XXXX XXXX, my loan was transferred to Nationstar Mortgage in XX/XX/2013. Since, then I have to contact them multiple times out the year just to ensure the correct amount is paid on my taxes. This is the worst company!! When I returned home from work, I received a letter stating I have a surplus in my Escrow account of {$870.00}. This is not correct as the Taxes for my Summer Taxes were {$2500.00}, and {$140.00}. And my winter taxes were {$23.00} and {$450.00}. XXXX XXXX {$1300.00}. Yet, on the Escrow statement they sent me it has my City Tax as {$1900.00}. My total for my Escrow Account not including MIP was {$4400.00}. Yes, they have total disbursements as {$3300.00}. This is a difference of {$1000.00}. This has been an ongoing issue, not mention very stressful. I believe part of the problem is their computer software is OLD and out dated. Can someone please assist me?! I have spoken with XXXX XXXX and XXXX XXXX at the Ohio office. Last year, before XXXX XXXX said he would flag my account so this would not continue to be an issue. Guess, he did not.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, I received a call from an individual saying that he was from Wells Fargo and that he had noticed fraudulent activity on my account. He was able to read several transactions I made and then he told me to make a XXXX transaction to an individual that I did not know. I immediately called Wells from another phone and they identified that this individual was not an employee. Wells quickly closed my checking and savings account as well as cancelled my debit card. The individual made four fraudulent transactions and reports were filed. Wells quickly identified these as fraud and restored three of the four. The fourth and largest transaction was for XXXX cash and Wells tried to recover the amount from XXXX and when XXXX declined, Wells said that the transaction was valid ( which it wasnt ). I have filed complaints and escalated it to just about every department I can at Wells only to received a very canned response from them. Not only did the hacker steal from me but I now feel like Wells is doing the same thing. The fraud was committed because the hacker gained access to my account ONLINE and because Wells cant get the money from XXXX, they are taking it from me ( so in essence, I have been victimized twice ). No one seems to care that my entire savings is gone and what I find unbelievable is that fraud was clearly identified and I was not at fault but I am being penalized. It is not my fault that XXXX is a third party, it is not my fault that the hacker was able to get {$4200.00} from my account to use for XXXX cash but that doesnt seem to matter to Wells Fargo XXXX I filed a police report, I have documentation of the fraud but again, that doesnt seem to matter to Wells Fargo !
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Solar Mosaic LLC (CA)

a company stole my identity and got a loan under my name directly into their bank account with the amount of {$110000.00}, they did not provide me the services and the company ran away and abandoned the promise and breached their contract with me. 

I have contacted these two loan companies numerous time to report this fraudulent and identity theft but loan companies are siding with the fraudulent contractor company. 

Please help me I am in a desperate situation facing sever hardship. Thanks.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (NC)

There are XXXX companies reporting inaccurate information on my credit report I reached out to all the companies and disputed them with the XXXX credit companies. I ask each company for a validation of the debt and never received the information. 


1.ashmer collections service date opened XX/XX/XXXX {$420.00} XXXXXXXX XXXX XXXXy ( date opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX ) {$800.00} XXXXXXXX XXXX XXXX XXXX date open XX/XX/XXXX ) {$1700.00}
Consumer complaint received 2024-09-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AZ)

XXXX XXXX billed me for equipment they claimed wasn't returned, which I had sent back using their prepaid shipping box. When I called to get the tracking number, they now are telling me that I am being charged an early termination fee due to an existing contract. However, I had already fulfilled my contract obligations and had not entered into a new agreement, which is why I returned the equipment. My XXXX  bill shows a XXXX balance, yet the account has been sold to debt collection agencies.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SoLo Funds Inc. (TX)

Solo funds posted two transaction on my account causing it to go negative. I have tried to work with them multiple times to get the issue resolved and have yet to hear back from them. The company had problems with their bank and had to switch. The first transaction post was correct and it was as follows : Solo Funds - {$4600.00} Withdrawal by XXXX XX/XX/year> Ref ID XXXX However, on XX/XX/XXXX the company put this transaction on my account. 

SoLo Funds - {$4600.00} Pending Balance Reconciliation XX/XX/year> Ref ID XXXX This should not have been posted. As such this is causing the company solo funds to with hold approx. $ XXXX plus from me to access. 

I just want this fixed so I can continue to work with them and I seem to be having no luck getting in contact with them.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.