davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is.
Consumer complaint received 2015-06-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX. 
I have a mortgage with Wells Fargo, I fell behind in my Mortgage and I sent them in XXXX to catch up, they sent it back to me with XXXX added onto it and said that if I could not pay this they would file foreclosure. since this time they have had some contact with me. but little. my real estate agent and I decided to put it up for short sale, weeks ago. my house is scheduled for forclosure XX/XX/2015. We have called them and have sent them everything they had requested in sufficient time. They will not return phone calls not even emails. and everytime they call they seem to add XXXX more thing that they need. I feel this is bad business. if you need names I can supply them.
Consumer complaint received 2015-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MS)

Afni collection agency is coming after me for a XXXX XXXX bill that is my sons. ( {$300.00} ). He is the account holder, the debt is in his name, his address and his phone number. All signatures on the service agreement are NOT mine. They have my name on the top of the agreement ( which I never saw ), that is all they have. Afni, XXXX XXXX XXXX IL XXXX, is attempting to collect a debt I knew noting about and threatened to send to the credit bureau. I am a XXXX XXXX XXXX woman living on social security. I tried explaining to them that it was my sons debt but to no avail. I do not know what to do. I can not attach any documentation but I have it physically. I do n't know what to do. I have called legal aid, they told me to go to XXXX Mississippi. When I went to the web site there was nothing for me to acknowledge, just a section to complain. Help please
Consumer complaint received 2022-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Neon Newco Corporation (OR)

Im not sure how their cars even go on my XXXX pay account, I lost my NetSpend card that I very rarely use a while ago and had my personal bank card on there, but my son sent me {$50.00} XXXX  days ago on XXXX XXXX, I needed it badley for gas to get to work the next day. When I checked my bank account it wasn't there, I saw my bank card was no longer in there but a NetSpend card instead, I called and told NetSpend that my card was lost or stolen and needed them to transfer my money to another account because I badley needd it, first they said I had to order a new card and pay for it, then they said they would do it if I agreed to let them take XXXX out for a monthly fee payment, then they said they couldn't activate one of my other NetSpend cards I have, then they could, then they couldn't get it to activate and I'd have to buy a new one, then they could send it to my bank, then they couldn't, then they said in Friday, after I missed XXXX  days if work and spent XXXX hrs in the phone with them lying to me over and over and hanging up in me when I asked to speak with a supervisor, they promised Friday afternoon my money would be in my bank after they charged me XXXX for a transaction fee that was supposed to be free, that it be in my account and promised in 1 hr, then I get an email after they close in Saturday they need a picture of my ID card, my social sec card and mail with address, why? For a prepaid card I'm afraid they can now steak my identity these people are scammers and liars, now it's Sunday still no money I can't log into my account, they gave me blocked and have every piece of my ID, and I call and she hangs up on me yet again, I needed that money 5 days ago. It's cost me 2 days if work, and I am so stressed out and upset with being in the phone all day and getting hung up on and lied to, I just want my money, have been suffering for a year now with IRS identity theft and my bank account and financial set backs because of it I don't have extra money nor does my son who sent it to me, how can these people get away with this, I can't even understand what they are saying, and they don't seem to know aht they are doing, everytime I call there's yelling and screaming in the background like they are at a tavern I'm sure they can't hear me either, it's very unprofessional and now I am afraid they aren't going to protect my identity because they seem so uncaring and crazy. I am horrified I can't even sleep I'm so upset and worried.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NJ)

We have wired about $ XXXX and another about $ XXXX toward the principal, Mortgage lender hold these wired money for more than 10 days to deposit towards the principal. We lost interest and paid interest on the money that they hold for 10 days. 
Their practice of holding money which is wired to them are not fair and bank is making unnecessary money from consumer like us. We need you to step in and look at their practice. Please help XXXX XXXX
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS sold our property at auction on XXXX/XXXX/2016 despite sending us a letter which arrived XXXX/XXXX/2016 requesting " additional documentation you would like us to consider while evaluating this account for an alternative to foreclosure ''. We believe this is a detrimental reliance.
Consumer complaint received 2015-10-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NM)

I graduated from XXXX XXXX in 2007 with over XXXX in Federal/Private loans through XXXX XXXX. Since 2007 I have been taking advantage of every opportunity to lower my payments and defer most of them ( to this day I still cant afford to start on the federal loans ) I am at a tipping point, every month it gets harder and harder for me to keep up with my loan payments and in XXXX my lower rate plan will end and my student loans will rise. I am panicking as I do n't know how I will afford them. Had I know at anytime during my time at XXXX XXXX that my loans would be this much I would not have attended this school. It seemed every-time I met with financial aid to re-sign those loan papers my estimated repayment was always around XXXXmonth, not the actual XXXX or higher/month that it really is.
Consumer complaint received 2022-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (TX)

Date Assigned XX/XX/2021 GRANT MERCANTILE AGENCY Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Amount Owed {$3300.00} Amount {$4000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i woe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-09-04
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. (FL)

I'm a law-abiding citizen and a human being. I have rights under 15 USC 1681.

Equifax is governed by USC 1681.And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've also included an attachment for XXXX XXXX XXXX the collections agency expired license status since XXXXAlso an attachment Equifax admitting they have had added and listed a collection account more than once.
Consumer complaint received 2024-02-12
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. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I logged online to my American Express Blue Cash card, and there was an offer to the effect of " upgrade your blue cash card to preferred card and spend {$2000.00} in next three months and we will give you a {$250.00} statement credit ''. The upgrade has a {$95.00} annual membership fee. I responded to the offer on that day, and spent more than {$2000.00} within two months. 

But I did not see the {$250.00} statement credit. I then chatted online with an American Express customer service member and his supervisor to inquire about the credit. They told me that I had already been given the credit for the same offer in XXXX and was not eligible for the offer again. I counter argued, telling them that there was no way for me to know all the details. More importantly, American should not have made the offer to me the second time. Be that the case, we would not even have this conversation. I also told them that I had tried hard in order to meet the {$2000.00} spending requirements, for example, I used their card but not using credit cards from other issuers even though they offered % 5 cash back rewards.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

HFC, Member HSBC Group, XXXX. XXXX XXXX, XXXX, XXXX XXXX:1. Refinanced my original mortgage, {$140000.00} XX/XX/XXXX and consolidated XXXX mortgage for {$60000.00} into new principal balance of {$210000.00}. Reported the {$68000.00} XXXX mortgage as Charged Off and sold it to XXXX XXXX XXXX XXXX, Attn : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX has me in Collections and the inaccurate information is being reported as Negative and effecting my XXXX Score in a very negative manner. 

2. My original mortgage did not have the provision to pay Real Estate Taxes but HFC paid {$10000.00} to a parcel in the City of XXXX and charged me with an additional {$10000.00} thus increasing my principal balance to {$220000.00}. I have been disputing this fact since XX/XX/XXXX and have not received resolution. 

3. HFC did not report to any Credit Bureaus from XX/XX/XXXX to current and there are ( XXXX ) XXXX days past due on my Credit Report. 

4. I refinanced with HFC in XX/XX/XXXX, paid on time, and HFC did not report new mortgage and reports as XXXX+ days past due.
Consumer complaint received 2015-08-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IN)

I had paid a medical debt, I ask the representative named XXXX if he could send me a statement saying that my debt was paid in full, he 's response was '' yes I will do that, you just have to wait 30 days ". It 's been now more that XXXX moths, I called them several times, and the only thing that he says is that he will send it out. I asked if it was easier he could fax it to me, and he said " yes that will be fine " I gave him the fax #, and until this day nothing has happen.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have several accounts listed with you that are fraudulent some of these companies such as XXXX acct # XXXX have said they are removing these items as fraud as my idenity has been stolen but your credit reporting company has refused to remove it as such i have filed a fraud affidavit of identity theft and police report notarized the report also includes the email in which it was sent electronically with the named accounts that need to be removed immediately
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an incident regarding my old checking account with Bank of America, and I kindly request your assistance in resolving this matter. 

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 XXXX XXXX XXXX XXXX XXXX XXXX The incident in question occurred on the aforementioned date, marked by unauthorized activity in my checking account. It came to my attention that my account was compromised after I lost my debit card. Upon further investigation, it was evident that someone had unlawfully accessed my account and attempted fraudulent transactions. 

This incident has been deeply concerning and has had significant repercussions on my financial well-being. Despite my efforts to address the matter with Bank of America, the incident remains unresolved, and the repercussions continue to affect my ability to utilize banking services. 

Moreover, I wish to emphasize that I have been a victim of identity theft, as evidenced by the unauthorized changes made to my account, including the alteration of my email address from XXXX XXXX XXXX 

Given these circumstances, I respectfully request the removal of the checking account fraud incident from my credit/banking early warning system report. This erroneous listing is adversely impacting my financial standing and impeding my ability to access essential banking services. 

I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection and fair banking practices. Your assistance in rectifying this matter would be greatly appreciated. 

Thank you for your attention to this request. I am available to provide any additional information or documentation required to facilitate the resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bepensa Capital, Inc. (DC)

The debt owed to Afs Acceptance Llc has been paid in full. Credit report states the debt is paid in full as well. However, account remains on credit report of all Credit Bureaus. 

Requesting that this account be removed from all three Credit Bureaus. 

Ive contacted AFS Acceptance LLC previously and no help was offered.
Consumer complaint received 2020-06-01
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)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$110000.00} XXXX  XXXX {$110000.00} XXXX  XXXX {$25000.00}
Consumer complaint received 2015-08-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (DE)

On my note with Caliber Funding LLC. Under section XXXX. BORROWER 'S FAILURE TO PAY AS REQUIRED section ( A ) of my note it specifies " If the Note Holder has not received the full amount of any monthly payment by the end of XXXX calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 4.00 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment '' On the statements Caliber Funding LLC. sends out it specifies " If payment is received after XXXX/XXXX/15, a {$28.00} late fee will be charged. '' I made a payment on XXXX/XXXX/15 and received confirmation of said payment in an email sent by Caliber Funding LLC. on the same day XXXX/XXXX/15 that specifically stated " XXXX Time Payment Received ''. Despite what my Note says and the statement says Caliber Funding LLC. still charged me a late fee for the month of XXXX 2015. I have noticed that they also charged me late fees for the same scenarios in previous months. I called Caliber Funding LLC on XXXX/XXXX/2015 to explain my issue on and the customer service representative did not understand the issue and referred me to the Note. She explained that Caliber Funding LLC charges late fees based on the payment draft date and i then explained to her that payment draft date is not mentioned in the statement letter sent out only payment received date.She then told me I would receive a phone call within XXXX hours from a senior representative. I did not received a call back until XXXX/XXXX/2015 the customer service agent explain to me he reversed my late charges but i explained to him that this affects all customers and is an unfair and deceptive practice. I also explained that no where in the statements I receive or the Note I signed does it say anything about payment draft date, it only mentions payment received date.He said he would take it under advisement. From talking to the XXXX representatives I do n't think they understood that Caliber Funding LLC. is breaking their own Note terms.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CO)

In the foreclosure process and Caliber homes does n't seem to be willing to work with me. I was requested to submit the same documentation in different formats over 5 different times. My application is about to expire because they did n't like the formatting of what I submitted. I also get different answers each time I call. I have been working with them since XXXX 2015 and still do not have any answers on if I will receive a modification.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (GA)

I chose Caliber Home Loans as my lender to buy a condo. I had 53 days before I closed on the condo. The seller chose a long closing because she had not found a place to move at that point. Although I had 53 days before closing, in order to make my offer attractive I did a 21 day financing contingency. Caliber was well aware of my 21 day financing contingency and ensured me it would not be a problem. I followed up with my loan officer everyday to make sure everything was going smoothly. She ensured me that everything was fine and we would be able to close on time. Not once during this process was there any issue or alarming matter or any kind. The appraisal was completed and came back clean at the offer price. I checked in with her to make sure that everything was in line and that there were no issues especially close to the end of my financing contingency. She again ensured me my loan was good to go and there were going to be no issues. I received a very alarming call from the loan processor, asking for my credit card information to pay for the HOA questionnaire and budget that had to be obtained online. Since there had been no mention of this previously, I assumed this process had been done a month earlier during the appraisal and financing contingency. Any lender who does their due diligence knows that when purchasing a condo, that is the first thing to look into. Caliber proceeds to tell me less than 24 hours before we were supposed to close that there is a huge HOA issue and that I would not be able to obtain a loan. The contract had to be terminated the day we were supposed to close and I lost all of my earnest money. If Caliber had not been so negligent in processing my loan and had worked in a timely manner, the contract would still have been terminated but I would have received my large amount of earnest money back, and not have been out of a place to live.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (VT)

I have {$130.00} in 'Thank you rewrds '' on my citi credit card. I am unable to transfer the money to my bank account ( which I have always done ). 

I initially tried on line chat to resolve this, approx 3 weeks, ago with no results, given a number to call. Then approximately 1-2 week ago I spent 2 hours on the phone trying to resolve the issue was transferred to 8 different people and no one was able to resolve the issue. At this point, I was getting transferred back to departments I had already spoken with. 

I supplied them with this error message 'We 've experienced a system error. Please try again or select a different redemption option like statement credit, gift card or Shop with Points ' I was asked to try it from my phone using their app, which I did, but I received the same error message. I was asked to try making it a credit on my statement instead of cash into my checking account, got same error message. I then requested it be sent to me via paper check, same issue.