davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NC)

I received a notice in the mail from my mortgage servicing company ( PHH Mortgage Corporation ) in XX/XX/2019 with instructions on how to limit sharing of personal information. The letter was ( 3 ) pages long with sections titled Facts, Who we are, What we do, Definitions & Other important information. The first page included an automated number to call to limit sharing where legally allowed ( 3 of the 7 categories ) as well as a number to call with questions. There were no other pages in the notice & nowhere on the ( 3 ) pages was there a mention of a written request being required in order to limit sharing. ( FYI - I do not live in VT, CA or ND - I wish every state protected its residents by requiring opt in instead of opt out, as these states do. ) I called the automated number shortly after receiving the letter in order to opt out of sharing wherever possible. I went through the entire menu ( verifying my loan & identity ), then received a message that " this service is not available for your loan. '' Since my loan had been part of the merger/reorganization with XXXX & PHH several months prior, I thought they may be slow getting it into a new system. 

I called the automated number again this Friday ( XX/XX/2019 ) & received the same message. I followed up by calling the other number listed on the letter, which is only available during weekday business hours. After again going through a long menu, I was able to speak to a customer service rep & communicated my request to opt out of sharing. She first indicated that I would need to send in a letter ( generated by me ) outlining my request. I told her this didn't make any sense & wasn't indicated anywhere on the letter I received. She put me on hold to " verify facts '', then came back & told me I needed to mail back a form that would let me opt out. I again told her I had never received such a form ; the only notice I had was the one indicating this service was available by phone. She continued to provide inconsistent information, now saying the notice I received was from XXXX, not PHH. ( The first line in the letter I received was " What does PHH Mortgage Corporation do with your personal information? '' ) At this point I had been on the call over 20 minutes & needed to leave for work. I repeated my desire to opt out of sharing & requested any forms necessary to do this be sent to me as soon as possible. 

I have no confidence that PHH will respect my repeated request. It is impossible to see their opt out process as anything but an overt attempt to retain their ability to sell the information of those whose loans are being serviced. They have made the process as difficult as possible in order to subvert the desires of consumers & their clear legal obligations under federal law.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

XXXX Apartments utilized discriminatory collection practices and did not accept payment from XXXX XXXX for Covid Relief victims. The rental agreement did not include this stipulation in the lease. The rental disbursement attempts that were made on behalf of the consumer were illegally rejected as there were no exclusive indications within the lease that identified such payments were deemed " unworthy '' of acceptance. I was displaced and homeless due to the negligence of empathy and tolerance of XXXX who refused payment from an outside source during a time of national crisis in 2020. After which, they sold my information to a 3rd party, National Credit System who are the current holder of the debt.
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My Capital One 360 checking allowed a unauthorized withdrawal of {$570.00} on XX/XX/XXXX from XXXX. I've never in my life had an account with XXXX. Upon informing Capital One of this I found out they have no clear process to remove this unauthorized and fraudulent transaction. While speaking with employees they aren't able to communicate what actions I have to take to remove this.
Consumer complaint received 2019-06-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC (FL)

I received 2 Written Threats from Cedars Business Services LLC about 2 different international accounts supposedly from a Bank in XXXX with which I never has any account. 
1st written threat dated XX/XX/2019 for an amount of {$15.00} 2nd written threat dated XX/XX/2019 for an amount of {$2300.00} Both letters are menacing me reporting me to the report me to the credit bureau if I do not pay these debt within 30 days of these present notices.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc. (GA)

My name is XXXX XXXX. I recently received a lending rejecting letter. I was rejected lending from a lender based my Sagestream credit score. " Sagestream '' is consistently reporting inaccurate scores compared to the big three credit bureaus. The letter states my score with XXXX at XXXX while Sagestream reports my score at a XXXX. 
This practice is fraudulent and should be investigated. 

Thank you XXXX XXXX
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In XXXX I reached out to Equifax to help me remove some unfamiliar inquiries from 2017. They informed me that the company was not able to remove them. 

I continued to file a dispute with all of the credit bureaus. The aforementioned inquiries were removed from every bureau except Equifax. I later received documentation from them listing all of the disputed creditors name, address, and phone contact. 

This made reaching out to the creditors simple. My plan was to contact them and inquire about the proper procedure for handling this matter. Since then Ive been redirected several times. The creditors saying we dont have you on file, contact Equifax. Equifax saying that they dont have the power to remove those inquiries.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

Saturday XX/XX/XXXX my mortgage company Mr. Cooper-Nationstar sent an email to all customers stating there was a processing issue. I had a payment schedule for XX/XX/XXXX. Well I woke up Monday XX/XX/XXXX to my bank account being in the negative over {$700.00}. I then scrolled to see that Nationstar had taken 4 payments out, then reversing two and retrying one more ( not sure what that means yet XXXX. I then called them immediately getting a recording stating they are aware of the processing issue and they are responsible for all unauthorized charges and bank fees incurred and the issue would be resolved no later than Tuesday XX/XX/XXXX ... ..My husband and I called daily to find out the status of our refund and all they could say was by the end of the day ... By Friday XX/XX/XXXX the woman stated they were now told 3-5 day processing time from Monday the XXXX. Well here we are Monday XX/XX/XXXX and we have still not received the refunded of the two payments owed to us in the bank. I also submitted for a refund on the mr. cooper website for the bank fees of {$210.00} incurred so far. They say they will send in the form of a check! 
I have not had access to my funds or any money for a week now this is unacceptable!
Consumer complaint received 2021-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (AZ)

My personal loan with lending club had fallen delinquent, due to things going on with the pandemic I wasn't able to make the payment on time. I got paid today and at the point I could take care of the payment I did so at XXXX XXXX  today XX/XX/2021 in the amount of XXXX. per the guidelines from the point I submitted the payment and satisfied my obligation to the debt at that point the calls in attempt to collect the debt should have stopped. I received one at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, none of which I answered nor did a message get left so I get that being covered by the rules. What my complaint is in regards to is that I proactively called lending club at XXXX XXXX to let them know the payment was completed ( which they even verified upon answering the call ) to which I asked if that would stop the calls and it was indicated to be the case. The violation occured when they called again at XXXX XXXX  after already having spoke to them in an attempt to collect a dept. Per the update to the guidelines, the attempts should have stopped at the moment that was noted. I will provide a receipt and a picture of my call logs with times. Note I did accidentally call them trying to read the call logs so there are extra records that will show that can be disregarded.
Consumer complaint received 2017-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

Contacted FAY SERVICING on XXXX XXXX regarding escrow analysis ' and two payment increases. 

Two escrow analysis were done in one year resulting in payment increases. Two Representatives including a supervisor could not tell me why. Supervisor stated he would send this over to escrow department for review and within 72 hours someone would get back to me. I 'm still waiting. In addition my single point of contact representative has not returned numerous messages left for her. 

Verification of account holder is very poor. 

Lack of XXXX when calling a cell phone.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

On XX/XX/2022 I sent a debt validation letter requesting validation that is competent evidence bearing my signature, showing a contractual obligation to pay this debt collector. On XX/XX/2022 I received a one page document with an address not belonging to me and a similar name as mine. As a result, on XX/XX/2022 I sent a response to their correspondence acknowledging their failure t o proved me with a copy of viable evidence, bearing my signature, showing the account is being reported accurately AND belongs to me. It is now XX/XX/2022, I have not received validation. I am demanding the immediate deletion of this reporting from all consumer reports.
Consumer complaint received 2020-11-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (FL)

On XXXX, I noticed a collection entry on my credit report. On XXXX, I wrote a debt validation letter addressed to National Credit Adjusters, XXXX XXXX XXXX XXXX, XXXX, KS, XXXX via certified mail. The letter was delivered on XXXX to the Front Desk/Reception/Mail Room according to the USPS tracking information. As of XXXX, I have not received any communication from National Credit Adjusters regarding the validity of this debt. On XXXX, I disputed the information with XXXX via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (PA)

I don't know what is going on but I keep getting my card hacked into. Customer service at Direct express is horrible you can barely talk to anyone. I never give my information out for no reason. There has been numerous charges on my account. How I don't know but I called to speak to supervisor and all they tell me is they will investigate it. When I heard back from them they say they find no evidence. Hello it's right the XXXX there. I am sick of this card this company needs to be closed down direct express is horrible and i do not like them and will be switching but before I do I need to get my money back that they stole from my account.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/21 I called TransUnion concerning unauthorized inquiries on my credit report. I was told to call the companies. I already did. I have been given the run around, and all I was given by TransUnion operator was the opportunity to buy some type of fraud credit protection plan. 

I was told by the companies that they couldn't help, meanwhile, I have these things on my report.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TN)

In XX/XX/XXXX my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, hyundai closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to Hyundai in the amount of XXXX on XX/XX/XXXX. I called XXXXXXXX XXXX   almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. Hyundai reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me Hyundai was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX Hyundai received a payment from GAP, Hyundai then forwarded me two refund checks and sent a letter stating the account was paid off. In XX/XX/XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called Hyundai several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then Hyundai reported negatively again.
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XX/XX/2018 Fair Collections & Out Acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. 
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. 
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

We have enrolled in auto payment XXXX and were told we were all set after trying to do it online. Also informed that auto payment would begin on XX/XX/XXXX and we were set for XXXX. 
Emails XXXX auto request approved through email XXXX were advised that changes had been made to account XXXX auto payment cancelled XXXX - account on autopay XXXX friendly reminder that payment was due even though account shows it was paid paid again for fear of credit repercussions XX/XX/XXXX confirmed payment XX/XX/XXXX once again request denied XX/XX/XXXX request denied again XXXX payment delinquent reminder XXXX change in loan status and reminder of payment due XX/XX/XXXX Charged for auto payments Accused of bad checks due to their processing errors. 

Had contacted Connecticut Attorney General in XXXX for help regarding so many inconsistencies, but suit was settled and they couldnt help us. 

Numerous phone call during the past week with different information being relayed each time.
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

XX/XX/2018 XXXX XXXX XXXX acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. 
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff  attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. 
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner.
Consumer complaint received 2018-12-09
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. (NV)

I filed an identity theft report with the XXXX on XX/XX/2018. This is the report number : XXXX. XXXX is not removing the inquiries and accounts associated with this report of identity theft. I spoke with an agent from XXXX on XX/XX/2018. The agent said that he would remove the inquiries immediately and furnished the following confirmation number : XXXX. Upon calling for an update on XX/XX/2018, I discovered that the agent did not remove them as promised- despite me furnishing XXXX with the identity theft report, confirmation # XXXX.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

My XXXX XXXX Visa Card issued by XXXX  XXXX has the following rewards : 1. {$500.00} reward dollars ( unexpired, re-issued on XX/XX/XXXX and XX/XX/XXXX ) 2. {$95.00} reward dollars ( expired ). XXXX XXXX representatives has always assured me that expired reward dollars will be re-issued. 

I haven't been using the card because this type of reward dollars was not the most useful thing for me. I was saving the {$590.00} reward dollars for future purchases. 

I signed in to this account on XX/XX/XXXX to get them to re-issue the {$95.00} rewards dollars that expired, something that I routinely do because the reward dollars expire in 6 months. I found out that XXXX  XXXX has closed my account. I did not receive any warning about them closing my account and hence, losing all my reward dollars as well. 

While XXXX  XXXX might have the legal right to close my account without notifying me, I find this practice unfair and unethical. If XXXX XXXX had notified me that my account would be closed, I would have spent the {$590.00} before they close my account. In essence, by closing my account, XXXX XXXX   has saved the {$590.00} they might incurred if I had the opportunity to spend it.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My issue has been our credit reporting picking and choosing what they want on it any negative it's ridiculous it's so hard to take care of my family if I don't even get a opportunity buy a home or get a load of even get a credit card because I'm instantly denied
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I recently ran my credit report, and noticed a numerous amount of credit inquiries on my report. I need these removed from my credit report immediately, as they are untrue and horrible reflection of my of my credit worthiness. 

1.XXXX/XXXX/XXXX 2.XXXX  XXXX  XXXX   3.XXXX  4.XXXX  5.XXXX/XXXX  XXXX  6.XXXX XXXX XXXX   7.XXXX/XXXX  8.XXXX  XXXX  9.XXXX XXXX XXXX XXXX XXXX