davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

Due to XXXX and combined low income, we are selling our home of XXXX yrs. The " title search '' provoked a demand for payment from a XXXX lien with Specialized Loan Servicing , LLC, which we did not expect! In XXXX, due to medical issues and expenses, we refinanced through XXXX XXXX Mortgage Advisors who obtained for us XXXX mortgages, XXXX which would later be sold to SLS. XXXX, we filed a chapter XXXX which was discharged in XXXX but, did NOT include our XXXX ARM mortgages. Wrote to SLS and XXXX XXXX XXXX XXXX asking to modify our loans due to financial hardship. SLS complied and we made our payments on time until XXXX XXXX. 
At that time, I spoke to our XXXX XXXX XXXX, regarding tremendous fear of losing our home, as we were " under water '' $ XXXX!! We also had no choice but to use credit cards for treatment of the XXXX XXXX!!! THAT alone was costing OUT OF POCKET up to {$600.00} a month to stay alive, which medical insurance would not cover at the time!! XXXX recommended a person at XXXX XXXX in XXXX for prevention of foreclosure. That person told us to STOP PAYING XXXX mortgages at once. He said the small mortgage with SLS ( $ XXXX ) would likely get thrown in a " pool '' along with other small loans & be forgiven with all the " bail outs ''. He said it would cost more than the loan amount for them ( SLS ) to go after us, and we would likely not hear from them again, which we did not, until now. 
SIx years later, SLS is demanding $ XXXX inc/interest from the house sale, leaving us broke & virtually homeless! We were counting on using the profit from our home to relocate and find affordable housing, which we had in place. 
Last month, I called XXXX and spoke with a representative at length about our situation and asked if there was anything we could do? Perhaps negotiate the accrued {$10000.00} in accrued interest? She was rude, uncaring and refused to negotiate anything, stating there was nothing they could do for us. 
This is why we are reaching out to you for help! We do have buyers and if all goes through, we will have to be out of our home by mid to end of XXXX. Time is of the essence!! Thank you for your time!
Consumer complaint received 2020-10-19
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Consumer complaint received 2016-08-17
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (CA)

Our mother had a reverse mortgage with Reverse Mortgage Solutions. My brother and I were told we had 6 months to sell and repay. If we showed good faith an additional 6 months would be given to us. We followed the rules, kept in touch sent in required docs etc. Our mother passed away XXXX, On XXXX we received notifications from the mortgage company that a Default for Foreclosure was recorded with XXXX XXXX. We have sold the house XXXX and it is currently in escrow ( pending ). We feel the Default was not necessary and it should be never have been recorded! We are hoping they do not try anything before the escrow closes! Can you help us? Can XXXX help us? We are also asking our XXXX XXXX for help also!
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (SC)

I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2015-10-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Reliant Capital Solutions, LLC (IN)

XXXX XXXX XXXX XXXX, Ohio keeps calling me up at workplace, home cell phone and any which way they can to make me owe a debt that 's not mine. I 've repeatedly told them to stop calling and send letters without proof but there 's no benefit.
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (TX)

I notified Dillard's/Wells Fargo Card Services that my payment for XXXX 2015 was late because of severe XXXX in the XXXX area. Dealing with the real life events in XXXX, I overlooked paying my bill. Immediately once things returned to normal I called and made the required payment and even offered to go on Auto-Pay. Dillard's/Wells Fargo card services said they would remove the late credit reporting, but have yet to do so XXXX weeks later. I do not think I should be penalized due to XXXX in my hometown and the fallout from that.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am having problems getting hired and have applied at several companies including XXXX XXXX XXXX Headquarters, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and more and no one will hire me I am XXXX years old and worked full time 32.5 years and was let go XXXX 2014 because of slow productivity. I lived off my retirement and then went on unemployment while I pursued employment. My question is if my credit is affecting my getting work I ca n't live off my XXXX year old father until Social Security and I cant go back on unemployment until XXXX I have a house, dependents and bills how do I pay? 
Please email me if you could let me know XXXXXXXXXXXX Thank you for anything I am desperate Here are a few responses I received You are scheduled to interview with XXXX tomorrow, Thursday, XXXX XXXX at XXXX No Response yet, We have received your application for the position of XXXX XXXX XXXX Sales Team Member-XXXX. Unfortunately, we are unable to consider your application, Thank you for taking the time to speak with XXXX XXXX XXXX regarding the Mail Services opportunity at XXXX. At this time, we are moving forward with other candidates who are more closely aligned with our client 's specifications for this position., We enjoyed meeting you and sharing more information about XXXX XXXX and its businesses. Although your background and qualifications are impressive, we wanted to let you know that XXXX XXXX has selected another candidate whose qualifications and credentials more closely matched, We appreciate you taking the time to submit your qualifications. After carefully considering our finalists, we have selected another candidate. We invite you to visit our website at XXXX for other opportunities. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (FL)

I have been receiving multiple calls per day from a number with a XXXX area code, for several days. I finally answered the call and it was about a 15+ year old debt. I hung up. 
They called back immediately and left a voice mail message. They claimed they were pursuing legal action in XXXX county Florida, where I reside, with a case number of XXXX. 
They are using deceptive tactics to collect a debt that is well beyond the Statue of Limitations in Florida.
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Trident Asset Management, L.L.C. (WA)

I have tried to contact this company numerous times to pay my debt, but there is no XXXX answering my calls or emails. This business seems to be closed, but I 'm unsure. I also need to know who to pay my debt to so I can close my accounts.
Consumer complaint received 2016-03-04
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Debt Management Partners LLC (WA)

I have been getting phone calls from an agency. The calls always come in from " unknown '' " anonymous '' or " blocked '' telephone numbers. The first call I got was from someone stating he was am " enforcement officer ''. He told me he had been " looking for me ''. He said since I had made his job difficult he was going to make my life difficult. He then provided me with a telephone number to call as well as a case number stating there was a legal case being filed against me. The phone number is : XXXX. Not 2 minutes after I hung up with him I got a voicemail message on my phone from a female leaving the same number so I called it back. 
They say they are " XXXX '' I called the number and spoke to a lady who told me fraud charges were being filed against me for a payday loan I defaulted on from 3 years ago. She said her agency had purchased the debt and I owed them {$2000.00} to stop them from taking me to court. I told her I did n't have the money. She then listed names of friends and relatives stating she was going to contact them as well as my employer and tell them just what kind of person I was. I asked why they called from unavailable numbers and were threatening me. She said they do n't make the calls that they hire outside agencies to handle that and they only take incoming calls and that they can do anything they want they have a 99 % success rate and hung up on me. Several hours later I received a call from my sister who resides on the other side of the country in XXXX. Her mother in law got a call from someone looking for ME. I have never even met my sister 's mother-in-law. She is elderly. Whatever they said really upset her and it was embarassing to me. I 'm not sure what to do. It just does n't seem right. On a side note, my address and phone number have not changed since I took out the loan years ago. I have lived at the same address for 7 years. They obviously know how to reach me, they are choosing to harass me to try to intimidate me or something. It 's kind of scary.
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: RSH & Associates, LLC (KS)

I was contacted by phone on XXXX XXXX, 2015 by RSH & Associates , LLC. I was told they had been contracted by XXXX XXXX XXXX to collect a debt. I advised them I was still working with the hospital attempting to get financial assistance and I was told they would " mark my file. '' I was continually called and began receiving mail. On XXXX XXXX, 2015, I sent a letter requesting debt validation and requested that all future communication be in writing. I continued to receive calls. After several months, I was unable to get financial assistance from the hospital, I once again requested debt validation and a settlement request from the collection agency in writing. I received neither but I did receive more phone calls. Finally on XXXX XXXX, 2015, I sent my final letter, stating that I had never received any debt verification from their company and continued to receive at minimum a weekly phone call from their office when I requested all communication be in writing. I again requested debt validation XXXX final time and even gave them an email address to send the information to. I never heard from them again until today. I pulled my credit report to find they have put a collection on it. I have been paying XXXX XXXX XXXX directly for over a year and I have copies of cancelled checks to prove that. Not once has a check been returned or made out to anyone other than XXXX XXXX XXXX. I have no idea why this collection agency is reporting to my credit when they have never verified the debt and never followed the FDCPA when I requested all communication be in writing.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

Greetings. Last XX/XX/XXXX I started receiving letters from Citibank saying that there was a problem with my mother 's address ( this is a conjoint account, where I am the primary holder ). I called the number provided and also contacted my branch manager in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided the required documents. They said all was fine. 
Then, last month I could not pay a credit card using this account. I did not know why. Then the same week I received a letter saying that the account had been blocked. However, I had complied with the rules the letter mentioned. It states that an account can have a mailing address AND a physical address ( residential or business ). 
That is the case of all my accounts. In this particular XXXX XXXX, that was confirmed the month before ( XXXX ) by several calls to Customer Service and XXXX XXXX. However, on XX/XX/XXXX, after I received the letter XXXX suddenly said that I can not have a mailing address different from the residential one, denying my right of privacy. 
But in fact, based on what the Citibank letter says, there is no reason for this account to be blocked, causing me and my old mother stress and late payments in her credit cards. 
Citibank must reactivate my account immediately. After that phone call ( XX/XX/XXXX ), XXXX said she was going to call me back the same afternoon. She did not, just sent an email saying she had transferred me to another branch. That is rude and unprofessional. At the moment the account is still blocked, as my mother is traveling. This is outrageous. We had followed the rules, I have been with Citibank for 29 years in 3 countries. But from XXXX the service hasgotten worse and worse. It seems discrimination, like they are trying to get rid of me. Does the CFPB allow this kind of behavior? I hope not. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (GA)

I received a credit alert from the credit bureaus that I have 5 different loans in collections. I contacted the number listed in the info and it was a collection agency stating I took out 5 different loans in XX/XX/2019. I dont understand how someone could get approved for 5 loans, 5 days in a row. I asked if they could verify the account information the money was deposited to and they couldnt. I informed them I live in Georgia and this loan company doesnt offer loans in my state. I have no information regarding these loans. Ive never received any documentation or phone calls from the loan company nor collection agency. They told me to file a police report to dispute the issue.
Consumer complaint received 2016-06-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Professional Bureau, Inc. (TX)

I have asked Merchant & Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

I recently filed a complaint with the CFPB about Equifax Consumer Agency refusing to provided me with my consumer credit report. Now, Equifax is falsely stating that I have placed a Fraud Alert on my Credit Report, which is not true at all. Equifax has also notified all the other Credit Consumer Agencies of a false Fraud Alert that I have not submitted at all. Would someone please assist me with this issue please?
Consumer complaint received 2015-08-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Resurgent Capital Services L.P. (TX)

A debt collector contacted my elderly mother, who has a XXXX, at her telephone number. She was told that there was a warrant for my arrest and that I was due to being arrested any minute, if I did not contact them. She was told that she had XXXX minutes to contact me and have them contact them so that I could be arrested wherever I was located at. She contacted me at work and I then contacted the company. Meanwhile, my brother had to take my mother to the doctor due to her XXXX. 

When I contacted the company, a representative told me that I needed to make payment immediately and he would then terminate my warrant of arrest. I paid them with whatever I could and am now making hospital payments for my mother. 

I believe this was very unethical on the companies behalf and should be disciplined for verbal abuse and domination over something that does not originally belong to them.
Consumer complaint received 2016-01-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

the creditor has approved to settle my account at 60 % of the {$150.00}. I pad them the {$94.00}. THATS THE 60 % .BUT THEY STILL SAYING THEY WHAT MORE.
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (DE)

I have 3 collections accounts being reported to my bureau : Lockhart Morris and Mont XXXX  XXXX XXXX XX/XX/2020 XXXX Lockhart Morris and Mont XXXX  XXXX XXXX XX/XX/2020 XXXX Lockhart Morris and Mont XXXX XXXX XXXX XX/XX/2020 XXXX I have asked numerous times for validation of debt and proof this is owed by me, as I believe it is an error. I have yet to receive any information- each time I dispute thru the bureau 's the debt is transferred to a different company with still no validation of debt.
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (PA)

I submit a request through annualcreditreport.com, but Experian will never provide it. Instead I am asked to mail identification and a copy of a utility bill. This is a nuisance. Experian should provide the report to me free and online, as the other XXXX agencies never have a problem doing this through annualcreditreport.com. This happens every year with Experian.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Periodically we are required to recertify our income. Income recertification will cause my monthly payment to go up by {$1900.00} per month. I have been asked in a letter from Mohela my loan servicer to recertify my income by XX/XX/XXXX. Studentaid.gov clearly states that any income recertification dates for prior to XX/XX/XXXX will be pushed back by one year. As such, my income recertification date should be pushed back at least one year to XX/XX/XXXX. I spoke with agent, XXXX at Mohela on XX/XX/XXXX regarding this. He stated this would be fixed, but my income recertification date remains the same.