davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (VA)

There is a company by the name of LVNV FUNDING, that has stated they returned the debt back to the original owner of the alleged debt, however ; the information they are reporting to the credit agencies is reflecting different information. I have tried contacting them and have used a letter that is available via the CFPB website to contact a creditor and ask them to provide validate the alleged debt. Well, they have indicated to the CFPB that they are no longer seeking this debt, yet their actions are indicating other wise and are continuing to damage my credit.
Consumer complaint received 2015-08-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (CT)

On XXXX/XXXX/15 XXXX? XXXX pulled a hard credit report without my authorization. This was for paypal where I already had a account. They asked me for a differant credit card which I gave them. They never disclosed that they would pull a report.
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (NJ)

I purchased a secured in the amount of {$200.00} on XX/XX/XXXX. I closed the account in good standing on XX/XX/XXXX and wanted my money refunded to me. They sent me a letter saying my account was closed with no mention of my refund. They said it takes 10 weeks and refused to give me my money. They then said I could send a letter in the mail to them so they could expedite the check in the mail so it would come in the mail to me in 7 days. I see it mentions on their website about sending a letter requesting a check to be expedited where it mentions about a {$19.00} fee but they told it me it was free. I did not send a letter because I was scared they would take the fee out of my check that they would send. I went on to the XXXX  website and saw numerous amounts of complaints and reviews saying that people have never seen their money and that this company is a scam. I am terrified I will never see my {$200.00} again. All I want them to do is send me a full refund in the amount of {$200.00}. If they are a legitimate company they can count this complaint as my letter and send it now expedited for free as they claim in the full amount of {$200.00}. That is how I want this complaint resolved.
Consumer complaint received 2020-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I closed on a short sale for two mortgages on XX/XX/20 one with Bayview community service and one with XXXX XXXX. I have all the documents from the short sale and I can add them below. Now the problem is the first mortgage satisfaction of mortgage is still not recorded as of today XX/XX/20. That's over 30 days with no recorded mortgage. The second mortgage with XXXX  XXXX was recorded and sent me a copy of record on XX/XX/20. 

I have called Bayview and my loan representative 3 times in 10 days and her voicemail says she will return a call in 24 hours. Her name is XXXX XXXX. her direct number is XXXX. 

The longer they take to record my satisfaction of mortgage the longer I wait in my three year period. The fact they wont return a call is pathetic.
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (IA)

In XX/XX/2018 I pulled all 3 credit reports from all 3 credit bureaus. I noticed CAINE & WEINER listed as a collection. In XX/XX/2018 I disputed alleged account with all 3 credit bureaus. It came back as verified in XX/XX/2018. I have not received a dunning notice. I also was not informed within 30 days of placing negative information into my credit file. You have trampled my rights to due process.
Consumer complaint received 2016-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

MY HOME MORTGAGE BANK SOLICITED ME FOR A REFINANCE ON MY HOME. THEY OFFERED A 3 % LOAN IN A REFINANCE PACKAGE. WE SUBMITTED ALL THE INFO THEY REQUESTED TO REFINANCE AT THE COST OF SPECIAL MAILINGS AND TIME, THEN WE WERE NOTIFIED THAT THE UNDERWRITER DENIED OUR LOAN. THIS WOULD SEEM A NORMAL REJECTION HOWEVER, OUR CREDIT IS EXCELLENT, AND OUR INCOME IS IN THE {$200000.00} RANGE WITH NO OUTSTANDING DEBTS AND OUR HOME WOULD BE REFINANCED AT 30 % OF VALUE. I THINK THE BANK ( BANK OF AMERICA ) REALIZED THEY WOULD BE REFINANCING A LOAN THEY HAVE AT 4.87 % TO A 3 % WOULD BE A LOSS TO THEM. WE WANTED TO EXCHANGE A 14 YEAR LOAN TO A LOAN WITH A 10 YEAR PAYBACK WITH THE NEW INTEREST RATE THEY OFFERED ... I DO N'T THINK WE WERE TREATED FAIRLY OR HONESTLY ... SINCERELY, XXXX XXXX XXXX
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK (IL)

Loan Officer directed Buyer and Selelr to schedule a closing for XXXX XXXX. Closing is scheduled. TCF bank has not answered phone calls or responded to emails regarding the status of borrower 's loan application for more than two weeks and closing is now 2 days away. Loan may possibly have been denied at underwriting level but since TCF is not corresponding / communication with buyer or buyer 's lawyer, we can not know for sure. Buyer is about to default on contract for purchase of property due to lender 's refusal to share this information
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (PA)

I received a letter that had my husband name on it and I call EOS CCA and I told them I received a letter and found out it was for my step son ( they have the same name ) and I was told that I had to return the letter and they refused to make the address as a bad address and then I ask to be transferred to a supervisor and was hung up one
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I sent my letter off. I told the credit bureaus to " Names, Addresses, Phone Number and former employers '' on my credit report. I have listed below. Also I have attached the letter I sent out. 

I wanted them to delete all multiple names, addresses, phone numbers and Former employers " XXXX XXXX XXXX XXXX '' and they did not delete them. I have multiple names on my credit report.
Consumer complaint received 2015-05-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (PA)

I 'm pretty feed up with payment processors sending out mailings that resort to scaring people into reading their mailer and possibly tricking a consumer into calling them. 

The mailer i received today has " Mortgage Payment Information Enclosed '' most prominently displayed on the front of the letter in bold, red letters. It also has the return address of " Loan Payment Administration '' and through the window has " Regarding your : '' and my current mortgage called out by lender name. 

The body of the letter also states the direction to " Contact us by XXXX XXXX, 2015 '' and that " if you decline the biweekly program, you will be asked to confirm that you understand that you are voluntarily giving up the interest savings and loan term reduction. " We know what they 're doing and while it may be technically legal because they 've found the right loopholes, it 's still predatory. They must be tricking some people into calling, otherwise why would they do it. It should not be allowed. It 's just flat out dishonesty and that sort of dishonest should not be tolerated.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CA)

For approximately the past 3 months I have been receiving recorded phone calls from Harris & Harris, a debt collection agency ( that is stated in the recording ), instructing me to call a number with a XXXX area code. My name is never mentioned, nor is the reason for the call. They call at various times throughout the day or evening. Sometimes they skip a week, other times they call 3 or 4 times in a week. On one occasion they actually called 3 times in the same day! I am on the " do not call '' registry but obviously to no avail. Thanks for your assistance.
Consumer complaint received 2022-02-10
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: Maximus Federal Services, Inc. (DC)

According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps. 


Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a secure account with Bank America XX/XX/XXXXpartial account from my credit report # XXXXaddress id XXXXthe amount was XXXX the account was last use in XX/XX/XXXXI was XXXX the security was deducted however theysent this account to collection which as been terminated becauseI did owe on this account they have been reporting this as a charge off!!! 
it has been removed from my XXXX report but its still onmy XXXX and XXXX ACCOUNT! 
Bank America did agree to remove these accounts from the trade linebut it has yet to do so with these XXXX credit reporting agencies!! 
Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. " Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XXXX, court records show, the bank will remove any marks on consumers ' credit reports.
Consumer complaint received 2016-12-29
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fein, Such, Kahn & Shepard, P.C. (NY)

FEIN SUCH AND CRANE sought judgement and sale of my home when they have NO RIGHT TO DO SO. I have been fighting this for over 2 yrs. I was working on a loan modification with XXXX who was the servicer meanwhile XXXX who was no longer the servicer continued with the foreclosure with this firm I contacted this firm on numerous occasions stating that XXXX had no right to proceed with the foreclosure they then claimed they were working for XXXX then they claimed they were working for XXXX. Meanwhile I have letters from XXXX and XXXX stating they were not proceeding with foreclosure since they had no standing with the loan. I sent copies to this law firm they didnt care stated they had judgement and were proceeding with the sale even though THEY HAVE NO RIGHT NO INTEREST IN THE PROPERTY HOW CAN THEY DO THIS
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TN)

XXXX added a fruad alert, as have others with all of these breeches. I never authorized ANY alert. XXXX reefuses to remove the alert. yes, my id was stolen, as my ssn numbers- however, that does not give anyone permission at any company to refuse acces to my files in any way due to panic mode at their company. remove all blocks and alerts. I am being denied credit due to this, which is unlawful. Furthermore disputed information is fraudulently being re aged and re certified. IT MUST BE REMOVED. THE DEBT IS CHALLENGED- if companies will not comply in CORRECTLY REPORTING THE DATA- and they have not so far for years, then it must by law- be removed.
Consumer complaint received 2019-02-23
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: EQUIFAX, INC. (FL)

I have tried to collect my credit report from Equifax and XXXX XXXX. 


Both these credit bureaus have sent me XXXX reports. 

I have sent them over all of my information requested and have yet to recieved my reports per request.
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

While Bank of America has a right to extend or withdrawal a credit line at their leisure. I find their business practice to reduce a {$9000.00} credit line to {$500.00} on a perfect payment history and sufficient income to meed internal fiscal goals and lay a bogus claim that I 'm not a good risk with an average credit score and average spending and borrowing habits very concerning. Their action while it may server their purpose whatever that might be affects my credit rating, a rating I 've been working on for a long time to establish in a purley positive direction. Their action will take up to XXXX points on my score while they used me to meet their repayment of TARP and now that they do n't need to they are " reducing risk. '' I opened this card with a {$2000.00} credit line and they freely gave a line of {$9000.00}. To reduce my total credit line with the bank to {$500.00} from a total of {$14000.00} across XXXX cards because I take out a loan and close all but XXXX revolving lines does n't make sense to me. If I want to pay XXXX a month on debt and I have the income to do it that 's my perogative. The questions asked in the credit determination were insufficient to make an accurate determination. I gave my loan payment amount monthly. I gave my current monthly liquid assets and answered questions about my lines of credit. The man, XXXX made some rediculus comment about the unsecured ammount lent to me was too high ( as if people do n't have loans 4 times larger than their income with houses, cars, school etc. that even some secured they often do n't recoup anywhere near the full investment amount ). Yet here I am with a perfect payment history, sufficient income to exceed all my minimum payment requirements after all bills paid monthly for at least a total of about {$50000.00} of average interest and this man wants to say that he can only safely make money off of me with a {$500.00} credit line. I told him that I would stop using the bank and was going to cancel the card and he did n't care. So I am in the process of switching banks and will keep the card at {$0.00} only because it serves my length of credit history on open accounts reported. But they will not make money off my money. Whatever they are doing is not with the consumer in mind and this disruptive business practice that affects credit scores and financial planning is a shame, I do n't even see how it serves them other than they are trying to increase their credit rating and manipulate their reporting numbers. While what they do might be legal it is suspicious and should be looked into as to what their lending strategy is if they ar n't trying to make money off of interest from the cards and why a consumer product is not with the consumer in mind.
Consumer complaint received 2015-10-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CA)

company in question did not inform me of any collection action nor did they notify me of any action that was taken legialy. They also failed to give me a final demand letter after reciving a judgment aginst me. Also creditor is the same as the company that is collecting on this dept.
Consumer complaint received 2017-01-14
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/2015 {$22000.00} was wired from my personal bank account at XXXX to cover illegal charges. The identity theft continues till today. I have lock my personal information and credit thru the agencies. I have contacted all appropriate law enforcement but to no avail.
Consumer complaint received 2022-02-10
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. ()

equifax has wrongly used my information on there XXXX XXXX that i have taken multiple loans on my PAN no. which is not true. The name which shows in there site is also not my name. They have ruined my credit and XXXX XXXX, for which i am not able to take loan from any bank. please look into the matter i am facing severe mental harrasement. ITS A CASE OF IDENTITY THEFT
Consumer complaint received 2022-02-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I was adversely effected by erroneous information on my credit report. I requested an investigation and removal of the erroneous information from my credit report. I can't get employment or housing due to this information.
Consumer complaint received 2015-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (AZ)

I have received a XXXX/XXXX/2015 letter and various phone calls from Central Credit Services, LLC attempting to collect a debt from XXXX in XXXX. These are most likely about a XXXX services accrued in a Bundled service. I have statements from XXXX showing that the statements are paid in full. I previously filed a complaint with the FTC regarding this manner and I thought it was taken care of. Now I am receiving bills at my new location in XXXX.
Consumer complaint received 2017-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

SETERUS has charged me {$10.00} for their mistake. My payment is due the XXXX of every month. I sent in my XX/XX/XXXX payment with the monthly coupon to SETERUS that they received and allocated to principal only on XX/XX/XXXX when the payment of {$540.00} was supposed to be allocated to monthly payment of principal and interest as was indicated on the coupon. They called me about XX/XX/XXXX saying I was late with my payment! I told the representative that it was sent in and she found where the payment had been miss allocated to principal instead of the monthly payment. She vowed to correct the error but failed to tell me it was going to cost me {$10.00} for their mistake! This not the first time I have had difficulty with SETERUS. They even lost a {$2000.00} payment I made on the principal which was not corrected until I found the cancelled check and sent that to them. They have changed their payment coupon so that there is NO space to allocate additional funds for the principal only. I have made several additional principal payments plus the normal monthly payment that arrived at their office prior to the first of each month due date and they allocated the entire amount to principal and called me asking when I was going to make my monthly payment when in fact they had {$2000.00} additional principal plus the monthly payment of {$540.00} in their account from me.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

I have not received my 1099 tax document for calendar year 2021 from Navy Federal Credit Union and they are refusing to send me a copy of my 1099 tax document via a method with a tracking number such as by XXXX, XXXX, or USPS certified mail. This same issue happened last year and this year Navy Federal Credit Union advised that they may close my accounts as a result of this dispute. Please advise what assistance you can provide.
Consumer complaint received 2016-09-21
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Embassy Loans (FL)

item is reporting wrong and not paid in full EMBASSY LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account # XXXX and never issued my refund