davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (SC)

This company Phoenix Financial Services has placed 2 collections on my credit report that I do not own. Sometimes last year I disputed this same debt with XXXX and the collection was removed. I also contacted the original creditor who reported to me to file a complaint as well as dispute with the credit bureaus. I have also been informed that this company refuses to practice according to the FDCRA and properly validate collections that they are placing on consumer credit reports. 

These accounts are continued to report on my credit reports and they have not been validated according to the FDCRA, which is a direct violation of the FDCRA.
Consumer complaint received 2018-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

XXXX has not provided this consumer with the information of Who verified these accounts and HOW these accounts were verified by virtue of documentation containing my signature binding me to these negative accounts. 

XXXX is now in violation of the FCRA and continues to be in noncompliance.
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX  and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1000.00}
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I purchased a home for $ XXXX in XXXX. I put down a considerable amount leaving me a mortgage balance of $ XXXX. I am on XXXX retirement from the USPS. 
In XXXX-XXXX, I began to contact B of A to see if I could have a loan modification as my wife lost her job, her mother, who lived with us after my daughter was born in XXXX, had passed away. From this time till XXXX, B of A gave me the runaround! I had several employees who were my workout representative and after a new employee was assigned it seems that I had to re-fax in my paperwork and Hardship Letter all over again. I kept notes with dates, whom I spoke with etc.. 
I was actually told that they could not do anything because I hadn't missed a payment yet! 
So now payments were missed in XXXX continuing into XXXX. We had to turn in my wifes ' vehicle, sell furniture and other items just in an attempt to make ends meet. 
I received " foreclosure notices, '' and eventually had to file a Chapter XXXX, in XX/XX/XXXX, because we couldn't meet all the bills and the mortgage. 
Obviously, our credit was shot and FINALLY, B of A approved a loan mod for us. However, this loan mod was not the best by no stretch of the imagination! The interest rates at that time, in XX/XX/XXXX, were very low hovering around 3 %!! My balance at the time this all began was {$220000.00} at 5.875 %. So, in their infinite wisdom gave me a loan mod at 4.625 %, with a hefty balance of {$230000.00} ( adding in missed payments ) and the new term is 40 years!! Are you kidding me??!! 
Presently, I am making payments but there will be a time in the very near future where I may be  unable to meet my payments again. 
I would like to see an adjusted balance or some hefty compensation for B of A dragging their feet, actually informing me to miss payments and then forcing us into a Chapter XXXX. I hope something positive comes of this. 
I have my detailed notes, even some telephone recordings, as I am allowed to do in AZ. They made our lives very stressful to say the least.
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (NC)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2020-08-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

I am a XXXX Veteran with a rating of 100 % and I live in Florida. Freedom Mortgage is my current mortgage company. In the month of XXXX, around about or close to the date of XX/XX/XXXX of 2020, I contacted Freedom Mortgage. I contacted Freedom Mortgage requesting to do a Streamline Refi, due to mortgage interest rates dropping. My current interest rate is 3.25 % .The Loan Officer assigned to my account and who took my information is XXXX XXXX XXXX XXXX XXXX Well after provider Mr. XXXX took all the requested and needed information over the phone, I received as verbal approval with an interest of 2.50 %. 
While providing the need information to the loan officer assigned to work with me, Mr. XXXX, I explained that I was tax exempted due too my XXXX rating of 100 %. And due too my XXXX rating of 100 %, I am tax exempt within the state of Florida as added benefit. Once I received a copy of the Loan Disclosure information, the first thing I noticed is that interest is higher than quoted over the phone. The rate quoted was 2.50 % and instead the documents reflect 2.75 %. As I continued reviewing the documents, the next thing I noticed is errors throughout the loan paperwork which included tax errors, the cost of the balance of my home errors and the final loan calculation amount is higher that the original loan which has the monthly payment is higher. 
I immediately called Freedom Mortgage, attempting to get in contact with the Loan office but he ignored my calls and repeated emails, in my attempt to address the errors. So I called the main line and explained the situation to intake person, whom ended up transferring my call to another department. As I was speaking with some from the another department I pointing out the huge errors in number, which appeared to me as something to obvious as if intentional. The person on the phone agreed that the mistakes where huge. He then expressed that he doesn't see how this was added in and missed but that they would correct the errors and get me new documents. Later learned that this gentleman worked in the Loan Expedition Department. Well nothing ever came of and from the Loan Expedition Department except broken promises.

Unsatisfied on how this is going I called back to Freedom Mortgage complaining of the situation and this time I was given the name of the Loan Officer Supervisor. The loan officer supervisor last name is XXXX, Ms. XXXX, I am unable to recall her first name. Well I spoke with Ms. XXXX at least three ( 3 ) times and she made promise that she never delivered on. 
This Loan has been stuck in the process for greater than 50 days. And along the way other errors was discovered like a past due Escrow Analysis, Escrow Overage. I feel as if errors have been done in my previous with Streamline Refi with Freedom  Mortgage whereas I was over charged for loans. Also I feel as if they are purposely refusing to give me the lowest interest possible to me as consumer so that they can make more on commission as well more interest paid to the Freedom Mortgage.
Consumer complaint received 2021-11-02
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. (MI)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND 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 GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

Prestige Financial out of XXXX XXXX XXXX Utah sold my car after I did a voluntary repo. They are now trying to sue me for over {$16000.00}, reported on my credit and that car is not even worth XXXX.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

While at XXXX XXXX on XX/XX/2021, I witnessed a cashier encourage a consumer to apply for a new XXXX XXXX card in order to get a 50 % discount on her purchase that day. The cashier and the consumer both acknowledged that the consumer already had a XXXX XXXX credit card but agreed that she should get a second one to get this discount. It seems like a terrible practice to encourage consumers to get multiple credit cards from the same store. It is not reasonable to assume the average American can manage multiple cards from the same store. It is more likely they will run up larger credit card bills by using both cards. XXXX XXXX should strongly discourage their cashiers from this practice. It is not in the best interests of their customers.
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I am doing the short sale and was on dispute value due to huge repair and damage per inspection. Lender had sent appraiser come out on XX/XX/2018 and appraisal report date XX/XX/2018 with value is {$510000.00} and current offer was {$510000.00}. They said offer is submitted for approval. Meanwhile, current buyer had backed out due to they cant move on with contract due to a lot of repair and they cant handle. We got another offer with same price to submitted to lender and the lender still come back asking {$650000.00} while dispute value based on inspection report include damage and come out last 30 days. I could not understand if the lender will help us out to avoid foreclosure or not. They dont practice in right place and take advantage of us and want to foreclose over helping us avoid it. I attached the appraisal report date on XX/XX/2018 for review. The value is true and cant change just for 30 days and market is so slow down and the lender is very ridiculous.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (OR)

On XX/XX/XXXX a " Validation of Account '' memorandum was sent to PINNACLE LLC XX/XX/XXXX with a Certified Mail Receipt ; [ tracking # XXXX ] receivedXX/XX/XXXX. 

PINNACLE LLC XX/XX/XXXXresponded XX/XX/XXXX8 ; ( 38 ) days after receipt of memorandum for Validation of Account. This is ( 8 ) days past the ( 30 ) day limit under the Fair Credit Reporting Act. 

PINNACLE LLC XXXX and its XX/XX/XXXX response " did not '' validate the account ; they only sent a copy of the bill, with no supporting documents such as signature on a application for service or contract he may or may not have signed. 

PINNACLE LLC XX/XX/XXXX sent a copy of the original bill with no proof of where or when the contract started or where service was established. 

This failure to respond within the ( 30 ) day limit as well as failure to validate this account are contrary to the Fair Credit Reporting Act.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Delete this account. 


5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My daughter, XXXX XXXX and I, XXXX XXXX, were cosigners on an apartment lease with XXXX XXXX in XXXX Oklahoma owned by XXXX XXXX in Kansas. We sent notification per our lease to cancel the lease early via email XX/XX/2021 and were responded to on XX/XX/2021. In that email I asked them to send me a final bill with all penalties listed for cancellation and I would pay the bill. I heard nothing from them thereafter. The next month I attempted to log on to the website to see the final bill and pay it. The XXXX XXXX had deleted my log in and I could not pay the bill online, nor even see what we owed. I attempted to call the office several times, where I reached a message that the office was closed indefinitely- all of the staff had either quit or were fired. I then researched the property group and found XXXX. I attempted to call that office to resolve the issue, to only sent through a maze of voice mail prompts with indication who I can speak to. I was hoping they would eventually send a bill. However I was wrong. In XXXX of XXXX, my daughter and I both received calls from collections regarding the {$300.00} we owed. At this time I called XXXX again and actually got a staff person on the phone. I enumerated my issues to her and she said she could not do anything to help me. She referred me to the region group manager at XXXX. I called that number, which was accounting, not the manager, and got the name and email of XXXX XXXX at XXXX. I sent her an email detailing the issue on XX/XX/XXXX and received absolutely no response whatsoever. When the collection agency called back again, I asked them to forward the final bill so I could pay it which I did the same day I received the bill. I believe my daughter and I were in accurately reported to the collection agency due to staffing issues at XXXX XXXX. Despites all of our efforts to reconcile this bill prior to collections, we were ignored. I would like this blemish on both my and my daughter 's credit reports removed due to negligence on the part of XXXX and XXXX to provide and timely and accurate final bill to me, for deleting my profile from the system that allowed me to pay through the client portal, and for turning us over to collection without any effort to collect the bill from us in anyway.
Consumer complaint received 2021-03-02
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: FIFTH THIRD FINANCIAL CORPORATION (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
FIFTH THIRD BANK Inquiry : XX/XX/2020 XXXX XXXX XXXX  Inquiry : XX/XX/2020
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

I was not notified of a remaining charge on my account that could be disputed and am now being charged {$3700.00}. A letter was never received, and I was not called or emailed by Comenity Bank XXXX Credit Card.
Consumer complaint received 2021-03-02
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ..XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

I have tried for the past month to get Mr. Cooper formerly Seterus to  remove the PMI from my account. I have requested in writing and inform them my balance is within the equired 20 %. A representative continues to inform me that I must call them and not request a written document. I have informed them in writing that I am currently offshore and due to COVID-19 unable to make such a call due to cell phone hacking. 

It has come to another month 's payment and I have not received an adjustment notice as to date. 

I was also informed that I would need to pay {$150.00} for an appraisal. I am fine with the appraisal, although it has been determined that I am within the required amount and due to COVID-19 all appraisals are being conducted remotely.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX.XX/XX/XXXX, XX/XX/XXXX /  XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2020 I received my statement and there was a charge that I questioned. Two days later I received notice from Capitol One that my account was closed. On XX/XX/XXXX I sent Capitol One the balance I owed, {$500.00}. On XX/XX/2020 I received a bill from Capitol One. I sent them notice that they ( Capitol One ) had closed my account in XXXX. 
In XXXX, and XXXX I again received a bill and again I sent them notice that they had closed my in XXXX. I have never received any reply from Capitol One.