davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc. (NJ)

Mountain summit Financial attempted to collect a debt from me which I never applied for nor did I receive any proceeds from. I attempted to resolve with them via phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As requested I emailed complaints@mountainsummitfinancial.com and did not receive a response. On XX/XX/XXXX they sent me an email asking for multiple pieces of information. Due to the fraudulent nature of this situation my local police in XXXX XXXX NJ directed me to enter a Identity Theft report with the XXXX XXXX NJ Police Department ( phone-XXXX ). The Case Number is XXXX. The police have instructed me to not provide any additional information to Mountain Summit Financial at this time. I can get no resolution to my situation. When I call they insist I email and my emails go unanswered.
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

ive had a loan with this company since atleast XX/XX/2013, i have always been a good customer, i am now in a financial bind and i am running a month behind on my payments. they are threatening me, calling my work after i have asked them what can i do to bring my account current or how can yall help me. they never say anything nor try to help. i have never had an issue making my payments before until now and they will not do anything. the manager XXXX is rude and i have asked her not to call my place of employment and my references have also asked and she continuously calls. sometimes they will call 3 times in a row within a 2 minute time frame.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I received a late payment notice by email yesterday on my Citi AAdvantage card for their {$99.00} annual membership fee. I havent used this card in over a year. I initially got the card for a family vacation that was in XX/XX/XXXX. They offered an attractive signup bonus with miles and first checked bag free. However, due to me using miles to book my flight and being forced to book the other 4 tickets for my family separately, AA would not honor the first checked bags free for my familys bags. This cost my family over {$100.00} round trip which was very upsetting. 

XX/XX/XXXX XXXX PDT ( approx 45 min call ) Called Citi / AAdvantage XXXX # and spoke with phone rep. She couldnt help me so she transferred me to customer service who transferred me to their manager XXXX , who transferred me to his manager XXXX -each time I had to explain from the very beginning what the problem was and how I was asking for it to be resolved. Everyone I spoke with at this point kept telling me they can only waive the annual fee up to 60 days. I didnt even know I had a balance due because I hadnt used the card in over a year and apparently was on paperless billing. The only two emails I recall receiving from Citi were within the last week or so. One saying my AA miles expired and the other yesterday when I first became aware of any balance owed to Citi. 

XXXX couldnt do anything and claimed there was nobody above him. All he offered was to fill out a customer complaint and somebody higher up would call me within 48 hours. 

XX/XX/XXXX XXXX PDT XXXX XXXX called my cell and said there is nobody above him. He would not waive the {$99.00} annual fee. He said he listened to my call from the day prior and nothing could be done. Horrible customer service. He kept talking over me and repeatedly said they do not and will not waive the annual fee.
Consumer complaint received 2024-03-07
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. (IL)

I recently reviewed a copy of my credit. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. You guys reporting an account that's was sold to other company it is against the law. XXXX  XXXX account # XXXX and was sold to XXXX XXXX
Consumer complaint received 2022-05-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I mailed Capital One a letter disputing the Debt, then a send letter asking for the Debt to be validated and asking for a listing of the charges and payments ( all transactions on the account ) - this way we could come to a settlement arraignment and agreement. I first requested this information in XXXX of XXXX  via a Debt Validation letter. I requested this information again over the phone XX/XX/2022, I gave a fax number and I was told it would take 3 - 5 business days to receive that. I called back on XX/XX/2022 to up hold my end of the settlement agreement. I still had not received a listing of the transactions ( beyond the time they said it would originally require ). When I requested the listing again on XX/XX/2022 I was transferred two more times instead of someone simply sending over a listing of what exactly I am paying them for.
Consumer complaint received 2018-06-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OH)

I had been receiving numerous unsolicited phone calls from XXXX so on or around XX/XX/XXXX I finally returned the call to find out why they were calling me. I discovered that it was Loan Depot and their agent XXXX XXXX wanting to " assist '' me in refinancing my 6.5 % home loan with the VA. I explained that yes I was a " vet '' with a XXXX as well as an XXXX XXXX as a XXXX XXXX BUT my era was post-XXXX XXXX and that after XXXX fell there was a surplus of XXXX XXXX  's so a status of " XXXX XXXX '' was where we could opt if we ranked highly in our graduating class, which I did. XXXX assumed that I would certainly qualify for a VA loan even though I told him " Okay but I have my doubts '' Then before even see where my XXXX information left me with the VA, they sent me all the necessary documents, which I did sign and submit. They then deducted {$420.00} from my bank account for the " appraisal '' without telling me. Within the week, they then discovered that as I had suggested, I was turned down by the VA as I did not have enough XXXX XXXX to qualify for that benefit. Therefore, THEY immediately canceled the appraisal. The appraiser,  told me that when he returned to his office and was working on it, he received the e-mail to cancel it. 

Now, Loan Depot is refusing to refund my {$420.00} fee even though they jumped the gun by  charging me BEFORE verifying my eligibility for such a loan even though I told their agent XXXX I had my doubts. XXXX 's loan processor, XXXX XXXX, e-mailed me and told me that she had been told by her manager that all I had to do was call the VA to clarify the situation, which I did on XX/XX/XXXX with my case # of XXXX and spoke with a XXXX about it. XXXX confirmed that I did not qualify due to my lack of XXXX XXXX time. I informed XXXX XXXX about that phone call on XX/XX/30 at XXXX XXXX EDT. 

It was shortly thereafter that I learned, after an exchange of e-mails and phone calls, that Loan Depot had indeed canceled the appraisal because they now confirmed that I did not qualify for a VA loan. 

Now, they refuse to refund my {$420.00} even though the appraisal was never completed of submitted. I spoke with a XXXX XXXX who said the he would check into whether or not they had been charged by the appraiser and perhaps refund my {$420.00}. 

" Perhaps '' is not good enough for me. I am on a fixed income and their taking that {$420.00} without notice and without first confirming my eligibility for a VA refinance loan puts this totally on their shoulders. 

I am requesting that you intercede on my behalf and XXXX XXXX XXXX so that this does not happen to other senior citizens and veterans such as myself and force them to refund my {$420.00} fee. This is totally on Loan Depot 's mismanagement as well as their agents, not on me, XXXX XXXX. 

Thank you in advance!
Consumer complaint received 2022-05-06
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: Resurgent Capital Services L.P. (GA)

In accordance with the fair credit reporting act convergent accounts : on XX/XX/2020 wrote a letter no response from any consumers about misleading information on my credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX s.c XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ma XXXX. 
15 usc 1681 section 602 states I have the right to privacy.15 usc1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.usc1666B a creditor may not treat a payment on a credit card account under an open end consumers credit plan as late for any purposes.
Consumer complaint received 2021-11-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TN)

Account Name : HWARFIELD ( Hunter Warfield ) Account Number : XXXX Balance : {$6100.00} This letter is a formal complaint against Hunter Warfield, a collection agency located at XXXX XXXX XXXX XXXX XXXX FL XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

A debt validation had been requested from them n XX/XX/2021, I have not received any sufficient proof that I requested and they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Consumer complaint received 2016-07-20
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX, as the supposed duly appointed Trustee for Deed of Trust recorded XXXX/XXXX/XXXX in Book XXXX, Page XXXX of the Official Records in the office of the County Recorder of XXXX County, is trying to foreclose based upon loan modification documents that were forged by Wachovia/Wells Fargo Bank whose primary objective has been to force all XXXX Pick-a-Payment loan borrowers into foreclosure since at least XX/XX/XXXX. 

The XXXX County Recorder 's office has no records of any transfers or re-assignments of either the original Beneficiary or Trustee. The Beneficiary that is still in place is XXXX XXXX XXXX. The Trustee still in place is XXXX XXXX XXXX XXXX XXXX XXXX, a California Corporation. 

I have checked with XXXX, XXXX XXXX and XXXX Servicer ID for the current ownership of the loan being foreclosed upon. XXXX and XXXX XXXX both deny ownership via their online verification system. XXXX ServicerID also has no record of this loan onn it 's online database. 

XXXX XXXX XXXX and Wells Fargo will not produce documents verifying the current legal Beneficiary or Trustee when requested. XXXX XXXX XXXX will not respond at all, other than to send multiple copies of the Notice of Trustee Sale with an updated sale date.
Consumer complaint received 2022-05-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HUNTINGTON NATIONAL BANK, THE (NY)

We are trying to register our car in XXXX. We just moved from XXXX We need documentation from the bank to do this. We have requested the information multiple times over several months. They fail to complete the paperwork and fail to communicate with us about the process.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (GA)

1. XXXX XXXX XXXX ( Collecting for XXXX XXXXXXXX Account # XXXX ) has violated my rights ;. 

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

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX of first attachment and XXXX XXXX XXXX of dismissal from court
Consumer complaint received 2022-05-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (TX)

CALLED THE FEDERAL STUDENT AID DEPT ABOUT THE STATUS OF THE DISCHARGE OF MY FEDERAL LOANS SINCE MY APPROVAL OF SUCH DISCHARGE 8 MONTHS AGO AND WAS NOT GIVEN A SUFFICIENT ANSWER ON WHY THEY WERE NOT DISCHARGED AS OF YET.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN, XXXX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I paid 2 collection agencies. I was told my credit report would be updated by Equifax. I filed a complaint with the XXXX  XXXX XXXX on XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX and XXXX. My credit report remains the same..
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX, EQUIFAX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CO)

This is written notice to American Express that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act, Fair and Accurate Credit Transaction Act, and Colorado state Statutaes. I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested that a COMPLETE VALIDATION of this account. In which has been being illegally displayed on my credit reports ( XXXX, XXXX, and XXXX ) be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to American Express by law. The disputes listed in my original complaint must now be completely removed from my credit reports. ( American Express you have now legally exceeded the time frame allowed to you by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA, FDCPA, FACTA and Colorado and Federal Statutes. 
I HAVE DISPUTED THIS ACCOUNTS INFORMATION WITH AMERICAN EXPRESS SEVERAL TIMES ( CFPB REF NO : XXXX ) IN REGARDS TO THE INACCURATE INFORMATION IN WHICH YOU CONTINUE TO ILLEGALLY REPORT ON MY PERSONAL CREDIT REPORTS! AMERICAN EXPRESS HAS WRITTEN BACK TO ME STATING THAT THEY HAVE GIVEN ME A COURTESY OF REMOVING {$8.00}, BRINGING MY BALANCE TO {$0.00}. AS OF MY RECORDS, AMERICAN EXPRESS HAS NOT GIVEN ME ANYTHING, BECAUSE AS OF XXXX XXXX, 2016, WHEN I CONTACTED CUSTOMER SERVICE, THEY STATED TO ME THAT THE CURRENT PAY OFF AMOUNT FOR THIS ACCOUNT WAS {$2200.00}, '' I THEN ASKED THE REPRESENTATIVE IF THIS INCLUDED ALL OF THE FEES THAT WOULD BE ASSOCIATED WITH MY ACCOUNT ''. THE AMERICAN EXPRESS CUSTOMER SERVICE REPRESENTATIVE THEN STATED TO ME THAT " YES THAT WAS ALL THE REQUIRED FEES THAT WERE ASSOCIATED WITH MY AMERICAN EXPRESS ACCOUNT '' AT THE TIME OF IT 'S " CLOSING ''. I WOULD NOW LIKE TO ASK AMERICAN EXPRESS, HOW ARE THEY TRYING TO CHARGE ME {$8.00} FOR AN ACCOUNT THAT HAD NO PRIOR PURCHASES MADE ON IT BEFORE THE ACCOUNT WAS CLOSED, OR AFTER THE ACCOUNT WAS CLOSED. AMERICAN EXPRESS IS CONTINUING TO REPORT THAT I WAS LATE ON THIS ACCOUNT AFTER THE ACCOUNT WAS ALREADY CLOSED XX/XX/XXXX! AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THAT THIS IS KNOWINGLY AND DIRECTLY VIOLATING THE FDCPA, FCRA, FACTA, AND COLORADO STATUTES, TO CONTINUE TO REPORT THAT THIS ACCOUNT IS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF IN THE TIME FRAME ALLOWED TO AMERICAN EXPRESS BY LAW THAT IT IS! 

AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THE DOCUMENTS THAT YOU HAVE MAILED TO ME ARE NOT A COMPLETE VALIDATION OF THIS ACCOUNTS INFORMATION! I HAVE REQUESTED VALIDATION, NOT VERIFICATION OF THIS ACCOUNT.
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (FL)

Experian completed the investigation regarding the incorrect Bankruptcy reporting on my credit report. They concluded the investigation by saying " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XXXX completed its investigation in XX/XX/2021 and deleted the bankruptcy information from my report. 

Attached you will find screenshots of Experian website with the reason they're keeping the incorrect bankruptcy reporting on my credit report. 

I would like to know what other company besides XXXX is reporting this bankruptcy to Experian.
Consumer complaint received 2018-06-19
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: JPMORGAN CHASE & CO. (TX)

There were 4 fraudulent charges made at XXXX XXXX XXXX # XXXX XXXX, Tx 2 charges on XX/XX/18. {$130.00} each Another 2 charges at the same location on XX/XX/18. 1 for {$130.00} and another for {$24.00} totalling to {$420.00} Chase Bank originally reimbursed the money back into my account, but after a few weeks they reversed the credit and took the money back stating that they didnt believe the transactions to be fraudulent. I was then told in order to reopen the investigation i would need to file a police report, once i did that they told me to take it up with the police department and that it was out of there hands.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I have a company saying I owe medical debt. This company WILL NOT validate this debt. It has been over 60 days since they have received my certified letter requesting this ( attached XXXX. The debt collection agency has thirty XXXX 30 XXXX calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that the debt in question is inaccurate. The debt collector has five XXXX 5 XXXX days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. They have not sent an admission of inaccuracy or any other information. I am a residence of Texas and under Texas XXXX XXXX, Title XXXX, Chapter XXXX, Section XXXX. ( under the FCRA XXXX A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus. 

Equifax has NOT done their job in accurately upholding the FDCPA or the FCRA. If they would have they would have investigated properly and understood that this company is trying to illegally get money out of me. This company will not and can not prove this debt is mine and is n't even allowed to legally operate in my state. To accurately validate and verify this debt the items listed below are needed, if Equifax can not produce this then it needs to be removed from my credit! 

The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceContract between the original creditor and the collection agencyAny fees added by your agency. Sec. XXXX XXXX a ) ( XXXX XXXX Texas XXXX bond information as required by Texas XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$5400.00}
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (CA)

The suntrust HAMP settlement form arrived does n't list the correct amounts due me & my now deceased co-borrower and does n't list a " loan review '' which is necessary as I only missed XXXX payments over the entire life of the loan but have had the loan stretched additional XXXX years and XXXX added to balance due. In the catagories XXXX and XXXX according to settlement letter, are incorrect. Stating I had only XXXX trial periods during my loan modification process, I had XXXX sets of loan documents and XXXX different trials periods over the course of XXXX years, which I made all payments on time. I have all documentation of loan docs, letters, contacts, etc.