davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

companies refused to close bank accounts for three months or more after repeated requests and repeated XXXX balances. sometimes these banks claim pending acount activity when there is none.They refuse to cease all auto drafts of said accounts.This really needs be reported to ftc. They dont want the complaint.
Consumer complaint received 2023-11-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (LA)

XX/XX/2023 made 1 year since we applied for a partial loan with the VA. Since XXXX of last year the partial claim has yet to be paid due to the fact that the mortgage company is givng the VA department the wrong account number to process the payment. I have been calling weekly to get updates and to speak to my point of contact but she has yet to call me back. I have also emailed her and still no response. Im afraid they are waiting and we could lose our home. Every month that we pay our mortgage they send a letter the follwoing week and the past due balance is always higher. We also cant access the online portal for BSI because the loan isnt current. So basically we have to go with whatever they are saying. We have asked for a print out of all payments that has been made to BSI and haven't received these documents either. I dont understand how this can happen to a veteran family. A veteran that has XXXX XXXX XXXX  When we was switched to the new mortgage company our past due balance was no where near what it is now. They tell us that as long as we are making monthly payments they are holding the money in an account until the VA pays them and itwill bring the loan current. This is also affecting our credit. We have read many reviews on BSI financial and they are not good.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (FL)

There is a debt collection in my name with XXXX  XXXX for just about XXXX at an address in Ny  where I did not reside, I am a resident in Florida. The dates are from XXXX. It is affecting my credit report as of XXXX  of XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Javitch, Block & Rathbone LLC (IN)

I had a XXXX  card and back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My partner lost her job. We werent able to make payments on the card. XXXX turned the account over to XXXX XXXX. I never recieved anything by mail from them. When I asked what address they were mailing to, they got angry. I stated I have a po box every thing needs to me mailed to the po box XXXX if it didnt have the po box our post office sent it back to sender. XXXX would call everyday either my number or my sons cell phone. When I would explain to them that I wasnt able to make payments right now, they got mad. Once a gentleman called from XXXX and I told him once we got on our feet I would start making payment. He told me I was a liar, that I never planned on paying it back. He proceeded to tell me i was going to me sued and asked how I felt about possibly going to jail. This went on for about a year. Then I tried to reach out to pay my debt and they told.me I was being sued. AnotheXXXX XXXX months went by I never recieved anything. Then on XX/XX/XXXX I got a complaint and summons that they were suing me. Javitch Block LLc is the attorney. I have tried to reach out to them to pay this debt. When you call they dont have enough agents for the wait time is XXXX plus minutes. I sent them several emails asking to reach out to me. I emailed and faxed a settlement letter ask for them to contact me. Still nothing. I got on XXXX XXXX and dis a settlement. They replied to me then with we will not communicate or negotiate through XXXX XXXX. I want to settle this debt. But I feel being harrassed daily, cursed at, and threatened is not worth amswering the phone when they would call. And for Javitch block to say that want to clear up this matter, but I need to contact them. How do I contact when no one answers the phone and they dont reply back to my emails.
Consumer complaint received 2023-01-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (GA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX To Whom It May Concern, This letter is being sent to you in response to correspondence received in the USPS.

This is a notice that your claim is denied and disputed. 
Under the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe. 

I am requesting proof that : 1. I am indeed the party you are asking to pay this debt 2. You possess original creditor documentation/business records with a full accounting using the XXXX XXXX XXXX Principles for charges, payments, interest, etc. of the amount of this debt that be presented as evidence. Also, explain and show me how you calculated what you say I owe. 
3. Your claim is legally supported by a sworn affidavit from someone with personal knowledge of these business records, where in this informational age anyone could have 4. There is some valid contractual obligation which is binding on me to pay this debt, and 5. You, as a debt collection debut buyer, produce documentation from the alleged creditor authorizing you to report this alleged and pursue collections of an alleged debt. 

Your legal staff will agree to compliance with this request under the laws of Georgia and Federal Statutes. Note, there are no record in Georgia Business search that gives you authorization to collect in the state of Georgia. 

Also, be advised that this letter is not only a formal dispute, but a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing operating from XXXX XXXX XXXX, UT and XXXX FL SPS seems to be deliberately vague and non-responsive to any requests for conditional lean requests for the purpose of closing an existing mortgages. According to my escrow agent XXXX XXXX from XXXX and XXXX XXXX XXXX ( XXXX ) XXXX, SPS has habitually taken 25 to 120 days to provide a conditional lean release CLR that is commonly required by a buyer 's Loan Company in order to finalize loan documents for a sale. Such delays can result in buyers having to back out of sales contracts.

Current status on my interactions. 
On XX/XX/XXXX, I sent an email to SPS requesting that my Escrow officer be added as a thrid party to my mortgage account for the express purpose of selling my property On XX/XX/2023 SPS provided an payoff amount but did not provide the requested CLR. 
XX/XX/XXXX ( XXXX ), I talked to XXXX XXXX SPS and requested the that SPS XXXX a CLR to my escrow agent. She " filed the request for approval '' and stated all further communications to be sent to the Ombudsman office at the ( XXXX ) XXXX number. 
XX/XX/XXXX ( XXXX ) I talked to XXXX XXXX the ombudsman office and he escalated the request for review. XXXX XX/XX/XXXX ( XXXX ) I talked to XXXX who said request was still under review. 
XX/XX/XXXX ( XXXX ) I talked to XXXX who indicated request was still under legal review. 
It seems that a conditional lein release is proforma and should be a simple and quick review. It should not take days to review and send out. 
SPS is deliberately delaying in order to extract one more month of interest on my loan.

Their phone process is also faulty. If you provide the account number after three cycles on the hold system you are sent to voicemail ( not acceptable ). If you do not provide the account number they pickup on the first or second cycle ( acceptable delay ).
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC (AZ)

I am filing a complaint against Sunlight Financial. Solar Panels were installed on our house by XXXX XXXX and Sunlight Financial is the broker. 

I initially reached out Sunlight Financial and XXXX XXXX over a year ago as panels were placed on our house but work was not completed per contract. Panels were not operational for about 6 months even though were being charged and they failed several city/ township inspections due to poor workmanship. In addition, panels have been working at 20 % since XX/XX/XXXX and never produced the amount in the agreement. 

I have reached out to both companies several times every week since XX/XX/XXXX yet not action or resolution has occurred. 

Letter of cancellation was sent XX/XX/XXXX and calls were made but never received an acknowledgement or resolution. XXXX XXXX and Sunlight Financial refuse to take any action to acknowledge and resolve problems. 

The case number Sunlight Financial provided me with on XX/XX/XXXX was XXXX. Since then I have made weekly follow up calls as I am told to by the customer service reps who said they have escalated.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

I did not authorize the following inquiries that is listed : XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (KY)

XX/XX/2023 - Notified by credit alert that Village Capital had reported mortgage payment ( XXXX ) over 30 days late. This caused a huge drop in my credit scores with all three credit agencies ( XXXX, XXXX, and XXXX ). I have a copy of letter from bank that mortgage payment was mailed on XX/XX/2023 via check direct to Village from bank. 

Village Capital has refused to acknowledge payment was received by XX/XX/2023 and their company did not process the payment. Customer has a solid payment history and has never made a mortgage payment over 30 days late to Village. 

If there was a problem with the payment, the right thing to do is contact the customer, especially a customer with an excellent payment history, before automatically reporting a payment over 30 days late to credit reporting agencies causing 7 years worth of credit damage for the consumer. 

Village Capital should remove this incorrect and unfair late payment report from this customer 's credit reports.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OK)

We refinanced with Caliber Home Loans in XX/XX/XXXX and XXXX XXXX XXXX sent a check to Caliber Home Loans to credit to our escrow account. The check was issued from XXXX XXXX on XXXX  ( Check # XXXX ), in the amount of {$7500.00}, which cleared on XX/XX/XXXX, which I learned from reaching out to XXXX XXXX. Even though the check showed as being deposited, Caliber Home Loans never gave us credit for the {$7500.00}. They did pay our property taxes in XX/XX/XXXX, which left our escrow account with a negative balance. 

In XX/XX/XXXX, Caliber Home Loans sent us an escrow statement showing a shortage amount of {$7700.00} and that they were going to increase our monthly mortgage amount significantly. We believe that this increase in our mortgage payment was due to the negligence on the part of Caliber Home Loans to not credit our account with the amount due to our escrow account at closing/refinance. 

I have called Caliber Home Loans many times to discuss this issue and have had no success. My husband and I called on XX/XX/XXXX to first ask about this and did not receive any helpful answers. Then XX/XX/XXXX, I called and spoke to XXXX who said she was sending our issue to the escalation team and we would receive a response in 7-10 business days, which we never did receive. Then on XX/XX/XXXX I called and spoke to XXXX. XXXX said he was the manager of escalations and advised me to email our issue details to XXXX and to put in the subject line the loan # and attention XXXX. I did as he said, but never heard back from XXXX or Caliber so I called again on XX/XX/XXXX and left a message for XXXX to call me back. He never did. On XX/XX/XXXX I emailed the same email address to follow up and never received a response back. On XX/XX/XXXX I called again and spoke to XXXX. He said he knew XXXX and was messaging XXXX and emailing XXXX to call me back with the status. I never received a call or email back. Then, I emailed back to the same email address on XXXX with a follow up and again, never received any response. 

We have been paying our mortgage on time every month, even with the increase amount.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian has corrupted my data not allowing me any method to sign in get my report or dispute. Yet, they send me messages to check my dispute. XXXX! " Sorry, but that didn't match up. Please try again. 
Date of birth XXXX Social security number. They can not find wothvny correct information
Consumer complaint received 2023-02-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (FL)

What happens that I can't move my funds, and every time I request help from an agent the only solution is that I must send them as if the disregard and the bad time of this process was no longer enough in which I must give them the information of my personal bank account?
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX- XXXX XXXX Late Payment You replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
You have 10 days to send me all the required information. 
XXXX XXXX your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

This complaint refers to my recent security freeze with Equifax. ( It should be noted that I was able to create a freeze online at XXXX  and XXXX  both with NO difficulty and I have ready online access to modify my requests with each service. ) Although I was able to initiate my freeze request online with Equifax ( https : //www.equifax.com/personal/credit-report-services/credit-freeze/ ), it could not be completed until a verification code was sent to me via regular US Mail . 

Once the code was entered on the Equifax site, I was prompted to create an account for myEquifax. The account was successfully created ; however, each attempt to log in fails. 
( https : //my.equifax.com/membercenter/ # /login ) Each failure is met with the webpage at : ( https : //my.equifax.com/membercenter/ # /login/error/mc-customer-care ) There it is requested that : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX I placed a call simply to learn why it is NOT possible for me to log in despite using proper credentials. While waiting on HOLD for nearly an hour and a half, I searched online to discover that Equifax has a long history of customers having problems with accessing their account information. It is apparent that I am just one of many who find Equifax a nightmare to connect with. 

Equifax should be as easy to deal with as the other credit reporting companies - or it should be prevented from continuing to operate.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-23
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. (GA)

I'm XXXX XXXX XXXX and I value your efforts by setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. 
Here are the accounts needed verifying : XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$490.00}
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I made a payment to CITI of {$30.00} on XX/XX/2019 and another of {$50.00} on XX/XX/2019 and was never given credit for them. I provided my bank statement and also the tracer numbers from my XXXX account 3 times and they still say they did not receive it. They then told me they sent the {$80.00} back to my bank, but there is no record of that happening. I have closed the account and still get late fees and the {$80.00} added to my statement.