davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Loan # XXXX Specialized Loan Servicing, LLC ( XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX Dear Sir, Greetings. The above mentioned company violated our rights multiple times via their negligence, intentional deceit and unfair business practices. 

This is our SIX Complaint against Specialized Loan Services, LLC for their belligerent and persistent violations of our privacy, negligence, ongoing campaign of unfair Business Practices, predatory practices, negligence, and fraudulent intents. 

In addition to Violation of " Fair Debt Collections Practices Act '' supplemented with evidence ( attached ), via the following : 1. Failed and continued to fail in issuing and providing Monthly Statement of Account for our Mortgage Loan.

2. Failed and continued to fail in crediting the Monthly Payments to the CORRECT month ; Posted clearly on the Cashed Checks, Listed Clearly on the Monthly Coupon provided by them and even after multiple written and verbal communications via mail, and phone calls, including Multiple Complaints to the FTC!

3. We received a letter from SLS today ( XX/XX/2021 ) referencing the WRONG payoff amount, the WRONG due date for next payment ( monthly payments made AHEAD OF TIME till XX/XX/2021 ). 

4. >>>>>Check # XXXX cashed on XX/XX/XXXX as a full payment for the month of XX/XX/2021. >>>> Check # XXXX Cashed on XX/XX/2021 as a full payment of the month of XX/XX/2021. Check # XXXX Cashed on XX/XX/2021 as a full payment for the month of XX/XX/2021. >>>> Check # XXXX Cashed on XX/XX/2021 as a full payment for the month of XX/XX/2021. ( Copies attached ) <<<<<< @ @ @ @ This ACCOUNT Monthly payments are PAID IN FULL, PAID IN ADVANCE AND CLEARLY INDICATED IN EACH AND EVERY CHECK ON THE TOP PART @ @ @ @ 5. Erroneous and unauthorized fees was levied to the account for Statement Fees {

$25.00}!! 6. Erroneous and unauthorized fees was levie
d to the account for Release Preparation fee
s {$20.00}!!

7. Finally LATE FEES for {$90.00}, in total a belligerent violation of our Contractual Agreement ( Mortgage Note ) which clearly states ( ZERO FEES ) can be charge at any time even when / if late. ( Cop of Mortgage Note attached ).
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2021, Experian reported a collection account titled " XXXX '' with a balance of {$800.00} that was allegedly open on XX/XX/2021. I have no knowledge of this account and disputed it with Experian. However, Experian stated that XXXX validated the account was mine on XX/XX/XXXX. According to the information reported from XXXX to Experian, XXXX 's address is located at XXXX XXXX XXXX XXXX XXXX, XXXX, NYXXXX. Thereafter, I sent a debt validation letter to XXXX, which requested documentation for this alleged account and requested XXXX to provide proof that the organization is authorized to collect debt in the state of Ohio. Please see attached for the letter. This letter was received by XXXX on XX/XX/2021 at XXXX XXXX ET. See attachments from the United States Post Office tracking system, which shows the letter was received. As of today, XX/XX/XXXX, XXXX XXXX ET, 30 days have past and a response has not been provided by XXXX. This is a violation to the Fair Debt Collection Practices Act.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CO)

I have a collection company attempting to collect a debt from me that was the result of identity theft. I never had XXXX as a phone company and yet this company has been relentless in trying to collect a debt thats not mine. Somebody falsified my information and the original company sold the debt to a collection company instead of removing it since it was the result of fraud.
Consumer complaint received 2020-04-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Collection Management. Inc (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and  certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in  accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal  responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2021-07-02
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: U.S. BANCORP (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-01
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

In XXXX I enrolled into the XXXXXXXX XXXX XXXXXXXX Diploma Program from XXXX XXXX XXXX, which prior to being shut down due to fraud, was based in XXXX, XXXX.I was at this school from XXXX XXXX XX/XX/XXXX. In order to pay for the program, the school had me take out student loans. One was a federal loan ( {$6700.00} ) and the other a private loan through Navient Solutions ( {$27000.00} ). 

Recruiters from XXXX XXXX XXXX misrepresented to me the career outcomes of students who complete their program and provided false information about the career services that they would provide to students once they completed the program. They said that upon completion, students would be able to find well-paying, full-time careers related to the program of study. The recruiters also promised that students would receive robust career support as they looked for a job upon completing the program. This supposed support was said to include help getting connected to employers that the school had a relationship with and being referred to full-time well paying positions. These two reason were pivotal to me deciding to attend the school. Upon completing the program, I sought to receive career help. The only support I received from the school was to get connected with a few temporary part-time gigs. While I took these opportunities, I continued to see if they would be able to connect me with full-time opportunities, as they promised. However, they never provided such opportunities and eventually they told me that there were no employers who were hiring. 

I no longer went to receive their help and began looking for employment opportunities myself. I continued to apply to jobs that were related to my field of study, but soon found out that I did not meet the qualifications for these jobs. Apparently, the education that I received from XXXX XXXX XXXX was insufficient to get a career in the field. This was another false claim made by the school that I discovered soon after completing the program. Unfortunately, I was never able to find a fulltime well-paying position and have been stuck in debt with the loans that I took out in XXXX which has grown to over {$25000.00}. Again, if the recruiters from XXXX XXXX XXXX did not provide me with false promises about my career prospects and the support they would provide to me upon completion of their program, I would have never attended their school.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX {$4800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Northern Lakes Mortgage LLC (CO)

We refinanced and consolidated debt with Northern Lakes Mortgage in XXXX XXXX Missouri. This was about 10 months ago. Everything went fine the first time around. They told us after this closing that they would XXXX reaching out to us to refinance agin in 6 months to lower our payments as rates would be lower. The person assisting us was XXXX XXXX, who is also part owner. He called us and said he could now get us a much lower payment and get us between {$16000.00} to {$20000.00} at closing. He said that this refinance would be free and they wouldn't charge us anything, since we just did business with them a few months back. We believed everything he was saying. I even have emails, and texts with these exact words. Everything about XXXX and this company are corrupt. We got swindled!!! We never got our proceeds and our payment is even higher. They also hit us for another {$44000.00} in fees, which made or equity lower. After repeated calls, emails, and texts. XXXX continued to say for months that the check was on its way. I even I have conversations with him saying that he would email me mailing confirmation information.After months of this we finally get another call from XXXX the other owner. He said he was very sorry for XXXX not being truthful. He said we would not be getting any proceeds and he was truly sorry that we were lied to. However, he stated that his hands were tied and that he might be able to save us some money on mortgage insurance in the future. I'm injured right now and not working. We have always paid our bills. But with the what happened to us. We are in serious debt and might have to file bankruptcy, because of this company. We are currently trying to get legal help with this issue. This company should not be in business.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (TX)

I entered a consumer credit transaction with Bridgecrest/XXXX on XX/XX/2017 which involved a finance charge along with a down payment of { {$1600.00} } cash. Pursuant to 15 U.S. Code 1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Bridgecrest/XXXX  is in violation of the 15 USC 1605 Truth In Lending Act. Bridgecrest/XXXX  didn't offer any insurance, they failed to disclose to me my right of recession, and failed to provide me with the appropriate forms to exercise my right which is a violation of 15 U.S. Code 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Bridgecrest/XXXX  is XXXX  liable, pursuant to 15 U.S. Code 1611, and also civilly liable, pursuant to 15 U.S. Code 1640 and 15 U.S. Code 1692K. Please find attached proof via an Affidavit of Truth and Exhibits which have already been sent to the company and in return I only received back a generic customer service response which I will also attach. I appreciate your help in solving this matter. Thank you.
Consumer complaint received 2021-07-02
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: Trident Asset Management, L.L.C. (NV)

i have disputed with each credit agency, the company XXXX is reporting 3x, 2 times negatively once under the name of TRIDENT ASSET MANANGEMENT ( {$940.00} ), another time under XXXX XXXX ( {$940.00} ) and then it shows open with XXXX XXXX with exceptional payment history and with the balance of {$230.00}.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

This letter is formal notice that Equifax have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 

1. This account is incorrect status, balance is wrong. 
XXXX XXXX Please remove it from my credit report. I was never late on this account. Amount of limit is wrong.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is formal notice that XXXX  have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 

1. This account is incorrect status, balance is wrong. 
XXXX XXXX Please remove it from my credit report. I was never late on this account. Amount of limit is wrong.
Consumer complaint received 2023-11-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (KY)

XXXX from the local Heights Finance branch office called me on my cell phone demanding payment on my past due loan. When I told her I was struggling and didnt know when I could make another payment. ( I just made 2 full payments ), she threatened to send my account to the legal department, it isnt even 30-days past due. She wouldnt listen to and wouldnt let me speak to her manager and I when I challenged her on threatening to sue me over a bill that wasnt 30 days past due, she agreed that they would not do that. This is harassment and for a company I have done business with for years to treat me this way is unacceptable.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

This account was for an auto loan that was refinanced more than 2 years ago. During the refinance process I was told that this auto loan would not appear on my credit profile after it was refinanced with XXXX XXXX. Currently, I have two auto loan appearing on my credit profile and I was told by XXXX that I would not continue to see reporting for them. My current auto loan is with XXXX XXXX, not XXXX.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (TX)

PayPal used my credit card to pay XXXX {$100.00}. I do not and have never used PayPal for this very reason. PayPal is little more than a ripoff. The following information was provided by PayPal via email. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX United States XXXX XXXX Transaction number XXXX XXXX XXXX, 2017 XXXX XXXX Payee XXXX which is a fraudulent address. 

Item # XXXX This is exactly why PayPal should be blocked from doing business in Georgia. I dont want my real name or address used due to PayPals abuse of peoples credit card info.
Consumer complaint received 2021-07-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: VW Credit, Inc (FL)

Im XXXX, I purchased a VW vehicle that was stolen the insurance paid it off, also the gap insurance cover for the debt. Contacted VW several times and no response they said that I owed money even though I receive letters from Vw credit and my insurance XXXX specifying it was paid off, they sold the so called debt to XXXX XXXX XXXX all my information without my permission or authorization, they send out a post card on XX/XX/XXXX, I called them several times and they never answer my phone call, I just received a letter that i am being sued by them. How is this legit im retired and XXXX men, they got the money paid off, and now they trying to ruin my credit and my life.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I received a notification from XXXX XXXX XXXX on XX/XX/XXXX that our loan had been transferred for servicing to " Mr. Cooper on behalf of XXXX XXXX  '' with a link to set up a new account with Mr. Cooper. I have tried to set up the new account using the link every day since XX/XX/XXXX, but every time I get an error message that says " We're Having Trouble Finding Your Loan. ". I called Mr. Cooper today to try to verify that the loan had been transferred to Mr. Cooper. I spoke with two representatives, and I was told that they had no record of our loan in their system. It's been 10 days, and I am left in limbo, unsure who is handling our loan, no accurate communication from either servicer, and no way to pay our mortgage.
Consumer complaint received 2021-07-02
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Carmichael & Frost LLC (TX)

Ive repeatedly asked XXXX to not contact me because I have nothing to do with the loan hes going after. My name is not anywhere on the emails and text messages that he continues to send to me. It is for a business that doesnt exist and a loan that was never taken. He shared personal information about a person that is not me. He is breaking the law by sharing some ones elses personal information.
Consumer complaint received 2021-03-15
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES (CT)

In XX/XX/XXXX, I received notice I was being sued by XXXX XXXX XXXX XXXX ( " XXXX '' ). Prior to being served, I was not contacted by the law firm handling the debt, Zwicker & Associates, or XXXX regarding the debt owed. When I told XXXX I had not been notified of the debt, they produced an unsigned letter dated XX/XX/XXXX addressed to an address I had not lived at for several years purporting to provide me notice. The letter provided contained an amount different from the amount represented in the law suit. From XX/XX/XXXX through XX/XX/XXXX, I maintained the same address which was not the address the letter was mailed. 

Once I raised the issue of notice, employees of the law firm representing XXXX began calling me and making false statements over the phone. They tried to induce me to make a payment claiming it would " help my lawsuit '' and " make things better for me legally ''. This is untrue. Not only would it restart a statute of limitations, but payments made outside of a legal agreement for a case actively in court may not be recognized by the court or could be misapplied by the company. When I explained to the callers that I would not make any payments outside of an agreement and that they were providing me with incorrect information, they again tried to push me into making payments by falsely claiming they were trying to help. 

I repeatedly asked Zwicker to provide a detailed accounting of the amount owed as the loan was serviced by XXXX, a company notorious for misapplying payments, incorrectly calculating amounts owed and payment amounts and collecting money for loans they no longer service. Zwicker failed to respond to my requests. 

I attempted to go to the local regulatory authority in Connecticut to help me obtain records, but found out that because they have attorneys on staff, the CT Department of Banking does not regulate them as a debt collector. Basically, they are able to circumvent the law and continue their forceful, violative practices that are in direct contravention of the Fair Debt Collection Act.