davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MS)

I reached out to my lender in XXXX 2014 to advise that I had been in an accident and the car would be going into the mechanic. The accident happened after I was forced to cancel my XXXX that I was offered and kept me from obtaining additional employment. I was in communication with the lender initially and I stopped hearing from them until I reached out with an update. I was finally able to nail down employment in late XXXX and reached out to the company to advise that I was going to be returning to work and had reached out to the mechanic to get my car back and was told that I owed him money, after the supplemental check had been cut from the insurance company. I reached out to Santander and advised them of this and I was told that someone would go out to the location, appraise the work done and pay the mechanic. After that was completed, I was advised that I would receive communication with the next steps. A XXXX months passed and I made a few calls initially but there was no update so I decided to wait, as told initially. I reached out again in XXXX when I had funds available and full intentions of paying them impound fees and getting my car back and was then informed my car had been sold at auction the week before. I advised that this was not an issue, if the car was no longer my responsibility. The agent advised that because the car was sold, I was not liable. I then was refused an apartment and ended up homeless because two months later I get a credit check done and at the last XXXX a lien shows up on my credit that I defaulted on auto loan, which is untrue. Throughout the entire time the car was with the mechanic, I was repeatedly advised that upon completion of work done, the loan would be modified to reflect the time that it was out of commission and therefore I was not late. It would be a totally different situation had I not done my due diligence, but every agent I spoke with was aware that I had XXXX from XXXX to XXXX and no one took the time to update my mailing address. It slipped my mind as well but that is n't my job description. I should not be punished for a company 's poor business practices.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/2019, I navigated to " XXXX '' to get by free annual credit report. I had no issues with XXXX or XXXX but when I tried getting my report from Equifax I was asked security questions which were all non-relevant to my credit history. I had to answer " NA '' for all these questions and as a result, Equifax denied to show me my credit report. I then tried for a 2nd and 3rd time and was faced with the same issue, non-related security questions. I believe Equifax is intentionally denying me access to my annual credit report because they want me to pay. I would like this fixed.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Fay Servicing, LLC (NY)

Robo-signing is illegal and has been outlawed in the State of New York. I have discovered the Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 

Fay Servicing is trying to unlawfully claim ownership of the mortgage using a robo-signed Assignment of Mortgage. 

On XXXX XXXX, 2007 XXXX XXXX was [ n ] ot an employee ( Vice President ) XXXX on that date. XXXX XXXX was also showing to be an employee ( Vice President ) of XXXX Bank, XXXX on XX/XX/XXXX, 2007.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

Equifax Information Services , LLC is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. Despite the removal of incorrect account information. The company continues to damage my credit score and profile by reporting the same negative information. Furthermore, Equifax is in violation of 611 ( a ) ( 5 ) ( A ) ( 1 ) by not having the original paperwork to verify the validity and accuracy before reporting negative information on my credit profile knowing the negative impact it would cause. These illegal practices are n't acceptable.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: American Credit Resolution, Incorporated (NY)

In the XX/XX/XXXX, I received a phone call from American Credit Resolution stating that I owed them money for a XXXX membership. Three of my family members received a call as well from a rep that was looking for me. I told the rep that I do not want any of my family members contacted and that I do not owe XXXX any money. I was a member of XXXX around XXXX, but not XXXX. I ignored the two other contact attempts from ACR as they did not provide me proof that I owed any money. I did not hear from them again until XXXX. 
On Friday, XXXX XXXX I recieved a call from an unknown number around XXXX. My father told me he also just received a call from an unknown number and the person was looking for me. On the voicemail a woman left me, she stated- this is a reminder that if I did n't call her back regarding a pending claim that she would be out to my home and place of employment to serve me papers. I was not given any prior warning of anyone serving me papers. I called the number back that she left and spoke to a XXXX XXXX. He also told me that I owe XXXX for debt from XXXX and that if I didnt set up payment arrangements with him, they will be serving me papers and taking me to court where I would have to pay over {$2000.00} for legal fees and the debt. I told them again I do not want my family members contacted and that I do not owe this debt. I also asked for proof or documentation that I owed this money. He threatened to sue me again, so I gave him a credit card number that I knew wouldnt go through because I was scared and wanted to talk to a lawyer. 
I recieved a credit card auth form to sign and send back, and a payment arrangement form from a XXXX XXXX at XXXXXXXXXXXX. I did not sign these forms or send them back. 
I received another call from XXXX XXXX on Friday XXXX XXXX from a number- XXXX, different from the number he gave me to call him-XXXX, also different from the phone number on the letter they emailed me- XXXX. He said the payment denied and that I needed to call him back with other payment arrangements or XXXX XXXX would be out to my home that day with a legal summons to appear in court. I did not call back, and she did not go to my home. 
I received yet another call from a XXXX XXXX on XXXX XXXX where she stated that if I didnt call back, she would be out to my home or work between XXXX to serve me papers. She gave a case number of XXXX, not sure what that case number is for. I did not return her call.
Consumer complaint received 2020-06-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Telerecovery Corporation (TX)

TeleRecovery of Louisiana was showing on my credit report. I called to inquire about the collection reporting. The representative that answered the phone was very rude to me. I filed a complaint with the Office of the Attorney General of Louisiana. The Attorney General Office took my complaint against the agency. They submitted my complaint to the company, Telercovery of Lousiana. A representative, named XXXX, worked with me to resolved the issue in a professional and ethical manner. However, the company representative was not professional and used an abrasive tone with me when I first made contact to inquire about the debt. However, I paid the debt, and it was removed from my credit file. The general manager, XXXX XXXX XXXX did not reach out to me to obtain my side of the story. She assumed that I did not make sense as she sided with the inexperience representative. She tried to portray me as argumentive in her response. Her response had a lot of grammatical errors that portrays her as unintelligible in her written response to XXXX XXXX XXXX. The company never sent me an itemized bill for debt verification to retain for my personal records. The company did not have the correct address but did have my phone number on file. This was an attempt to collect an old debt, due to COVID-19, which has past the statute of limitations for debt collection. XXXX XXXX XXXX XXXX should be knowledgable about the time frame a debt can be collected. I do think that she and the unnamed representative are unprofessional and lack professional etiquette for effective customer service.
Consumer complaint received 2016-02-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I became aware that Prestige was storing my credit card info in some part in their system and via a 3rd party system I requested on several occasions that the information be removed, that I had n't consented nor was I told that my credit card number will be stored To this request I received push back and was ultimately that Prestige only keeps the last XXXX digits of my card info I was told their 3rd party vendor XXXX XXXX houses the information. Again I asked that the information be removed and that was again met with resistance. I was told to contact XXXX XXXX which on XXXX/XXXX/2016 I did. I subsequently did a 3 way call with XXXX XXXX and XXXX from Prestige. 
During this recorded call XXXX said XXXX XXXX had the stored credit card details and the rep from XXXX XXXX said they did not keep those details. I have n't made any payments directly to XXXX XXXX my payments are made to Prestige and no where on their website nor in any other disclosure is there any information about how my information is stored. Prestige has refused to remove the information from their system or request that the information be removed by their 3rd party ( where applicable by law ) Prestige has continuously refused to aid in removing this information. They also have refused to remove the viewable information from their system. 
Prestige is engaging in deceptive practices and privacy violations as well as compliance violations as it relates to keeping credit card information on file.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX, New York XXXX hereby states for the record with the Consumer Financial Protection Bureau that Nationstar Mortgage LLC and any predecessor as servicer to a mortgage attached to XXXX XXXX XXXX, XXXX, New York was handled abusively during a numerous modification processes. Nationstar Mortgage LLC has assigned a foreclosure process pertaining to a note and mortgage originally procured with XXXX XXXX Mortgage in XXXX with XXXX XXXX XXXX as master servicer to a New York XXXX law firm for foreclosure. 
There are several criteria established that proves that the entire transfer of the note and mortgage were fraudulent, along with an original foreclosure filing in XXXX where I was never personally served. The fact that it took nearly five ( 5 ) years after this initial filing for the legal entity to re-file the original complaint is highly suspect that the note and mortgage are not in any legitimate position to foreclose. 
I was approached by the mortgage servicer on at least XXXX XXXX XXXX XXXX occasions with a modification pre-trial arrangement, all of which resulted in a declination by the servicer. There was never a legitimate reason given for the modifications being declined. 
The collection processes were abusive at all levels against all Fair Debt Collection Practices Act guidelines to remedy a debt. 
The real estate meltdown highly affected my property valuation in XXXX through XXXX, all of which should have been taken into consideration during the modification process, mostly due to the fact that the ultimate responsibility to make the debt whole to investors would fall upon the taxpayers of the United States. Real estate securitizations have become an area that is under attack for using fraudulent means to an end for the American banking institutions. The original note was fractionalized whereas there are multiple owners located in several securitization trances. 
The note and mortgage were split on a level XXXX forensic on public record by MERS, and once again by XXXX XXXX XXXX Corporation as the note was positioned into XXXX XXXX XXXX XXXX several years after the securitization trust was closed in XXXX. 
I will take this matter to an administrative court to offset the foreclosure action in New York XXXX if deemed necessary. However, the letter attached to my submitted modification state on record that I am willing to re-modify the existing mortgage or sign a new mortgage if there is a considerably reduction in principal and interest rate. 
I also request that the Consumer Financial Protection Bureau to monitor the entire modification process that I have submitted to evaluate if Nationstar Mortgage LLC is operating within the amended FDCPA guidelines on modification/foreclosure workouts as of XXXX XXXX, XXXX. ( GUIDELINES ATTACHED )
Consumer complaint received 2016-01-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I XXXX, XXXX, my mortgage service company sent me a letter stating that I am eligible to recast my mortgage. I said yes, and sent the form back to them. They never responded again, so on XXXX XXXX, XXXX, I called them to check on the recast and they said it was still pending. I paid the new, higher, amount on XXXX XXXX, XXXX. Since that time I have called repeatedly and have been told by Nationstart my recast was pending, being reviewed, lost, resubmitted, denied, and now pending again. 
Could you please help me? My interest rate was adjusted XXXX/XXXX/XXXX, and without the recast, I am having real difficulty paying the extra money each month. I am concerned about losing my home, especially when the interest adjusts again XXXX XXXX, XXXX. The recast would enable me to be able to pay each month. 
They were kind enough to offer this to me, but have not done anything to help recast my mortgage. I have done everything they have asked and still nothing. One department told me the last week of XXXX they had halted recasting HAMP mortgages at that time, XXXX XXXX, XXXX. However, I applied for the recast when they offered it in XXXX, XXXX. 
My mortgage information is : Nationstar Mortgage, XXXX, TX My loan number : XXXX Thank you for any help you can offer me. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX XXXX
Consumer complaint received 2017-02-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (MI)

I have been a Discover Cardholder since XXXX. I have used this card for both purchases and cash advances. There are 4 types of balances listed on my bill - Purchases after XX/XX/XXXX with a rate of XXXX, purchases made between XX/XX/XXXX and XX/XX/XXXX at a rate of XXXX, purchases prior to XX/XX/XXXX at XXXX, and cash advances at XXXX. I have been making minimum payments on thecard for several years, and I recently took a closer look at the payment breakdown because it seemed that the balance was just not dropping. What I found was a bit disturbing. I only have my XXXX most recent statements, but I am trying to get online access to more. On my XXXX statement, I had a total interest charge of {$180.00}, which was paid from the payment I made of {$210.00} and dropped my outstanding balance by {$27.00}. All of that seemed correct. The problem arose when I reviewed the interest charge calculation portion of the bill and realized that the interest was not being paid by my minimum payment as I had thought. The interest was being added to the outstanding balance of my higher rate balance types, causing that balance to go up, which will result in a higher balance subject to the higher interest rate with no additional purchases or advances done by me. Below is the information : Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$32.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4200.00} - interest charged {$59.00} Cash Advance - APR XXXX - balance {$4100.00} - interest charged {$85.00} Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$31.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4300.00} - interest charged {$62.00} Cash Advance - APR XXXX - balance {$4000.00} - interest charged {$83.00} Instead of applying my minimum payment to interest charged, it was applied to pay the lowest rate balance and my balance subject to the XXXX and XXXX interest increased by {$120.00}. This does not seem like a legitimate practice for applying payments. My balances are increasing, but I have made no additional purchases or advances and have received no penalties.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Services has continued to pursue me over a credit card debt that along with many other was discharged in a bankruptcy proceeding. I have disputed the {$660.00} claim numerous times through the credit bureaus and PRS continues to provide false statements as to the validity of the debt. I am trying to buy a new home and at the advisement of my lender, decided to pay the debt in order to bolster my credit rating. Even though I have paid the debt in full ( which I believe strongly to be bogus ), they have not properly reported the collection as " closed '' to the credit bureaus and continue to report it as an open balance of {$660.00} and continue to call me to pay the debt. I recently read that this company ( Portfolio Recovery ) was ordered to pay back XXXX of dollars due to unethical practices, which lead me to file this complaint as I believe I am also a victim.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (FL)

I am writing to bring to your attention a matter of great concern regarding the recent handling of my credit report as per the Fair Credit Reporting Act ( FCRA ), specifically in relation to the list of accounts outlined below. These actions appear to be in violation of my federally protected consumer rights to privacy and confidentiality as stipulated by 15 USC 1681. 

The accounts in question are as follows : Account Name : XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX Account Number : # XXXX I initiated a request for reinvestigation of these accounts with XXXX, XXXX, and Equifax , in accordance with the FCRA. However, to my surprise, their response indicated that everything was deemed complete and accurate. This assertion baffles me, as several critical pieces of information, such as the open date, date of last activity, and other essential details, are clearly incorrect. According to 15 USC 1681 ( 5 ), it is incumbent upon them to rectify inaccuracies and discrepancies in accounts. 

My right to privacy, as provided by 15 U.S.C 1681 section 602 A, is paramount in this situation. Moreover, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish any account information without my explicit written instructions. This principle holds significant weight in safeguarding my personal financial data. 

I must also highlight the provision within 15 U.S.C 1681c. ( a ) ( 5 ), which explicitly prohibits the inclusion of certain items of information in consumer reports, particularly adverse items that predate the report by more than seven years. This section is a crucial component of maintaining the accuracy and fairness of credit reporting. 

Furthermore, the obligation outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no entity should provide information to a consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. These provisions are designed to ensure the integrity of credit reporting, and their adherence is essential. 

It has come to my attention that the entities involved are not even in compliance with Metro 2 credit reporting standards, and I possess substantial evidence to substantiate my claims. Therefore, I kindly request a thorough review of this matter in line with the FCRA, and I anticipate a prompt resolution to rectify these violations. 

Please acknowledge the receipt of this formal complaint at your earliest convenience, and provide a clear timeline for the investigation and resolution of this matter. I appreciate your attention to this serious issue and trust that a fair and just outcome will be reached.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about the CONVERGENT OUTSOURCING account has been diligently neglected by XXXX and XXXX. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2016-06-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

I reached a settlement agreement with the debt collector to make two monthly installments to pay the debt. It was agreed upon that I would call on or before the due date to make each payment. When I called to make the first payment, the representative would not take my payment, stating that the only way he could do so was if I set up the next payment to be automatically deducted from my bank account at the same time. This was not the agreement, nor was this included in the written settlement agreement sent to me. I filed a disput with the XXXX, the company responded by giving me the name and direct extension of an account manager to call. I have tried several times to reach this person. They do not answer the phone or return messages. They have now filed a civil judgement for the full amount of the debt.