davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group (FL)

In XX/XX/XXXX I was contacted via mail by a company called Velocity Investments LLC who referred to themselves as a " debt collector ''. I responded to them disputing their attempts to collect some debt they were saying I owed them since I never heard of these people, following up in XX/XX/XXXX after they ignored my request to validate. I again followed up in XX/XX/XXXX when these people failed to give me what I asked for, which was proof that I owed them money, and told them if they can not provide this to stop contacting me. Approximately one year later I received a letter from an attorney named XXXX XXXX XXXX  ( also identified as a debt collector ) stating that they were collecting for Velocity. I have no clue who either of them are, and I asked him to also prove to me that we had a relationship, provide me with a contract etc. fast forward to XX/XX/XXXX, a docket was opened in XXXX County Florida ( Case # XXXX ) stating that Velocity Investments was now suing me, meanwhile I have written multiple letters etc prior to this telling them to stop contacting me and to simply prove to me that I have done business with them. Now their attorney or whoever it is has been trying to bully me into paying them when the initial questions I asked were never addressed. Even on the docket, I asked for discovery and they deflect etc. This case has been ongoing since XX/XX/XXXX and we havent gotten to the actual merit of the case their attorneys are trying to defeat me based on court procedure because I am representing myself and I am not an attorney, nor did I feel that I needed one because I did not think this would drag on like this because I do not know these people. I simply asked them to present a contract and proof that I owe them money and up until this point they haven't. We were forced by the judge to a court ordered mediation where they presented some " witness '' XXXX XXXX ( I am not sure if it was really him because he was a black silhouette and went by the name XXXX XXXX ) and they were trying to force me to settle ( although they never proved I owe them money ) which I do not understand how if we never discussed the case at all, so naturally I refused and we are prepping for a trial I guess. I am willing to continue at this point but the deceptive and abusive practices of companies like this must stop. To keep this going is a waste of time and tax payers money, and to attempt to force a person to settle on a debt that they have not proven was owed to them seems to be a common practice unfortunately in the debt collection industry and it appears that now they are leveraging the legal system in attempts to obtain default judgements, especially from what they perceive as low income minorities, which they seem to target exclusively.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc. (HI)

I received a call from this Account Control Technology at XXXX  XXXX time from XXXX. I was n't able to answer the call, but called back at approximately XXXX. I followed the prompts and got " XXXX '' on the phone. XXXX took my cell number and attempted to contact the department that was handling the claim. XXXX came back and told me that that department was closed and that I 'd have to call back. I asked how that could be since they JUST called my house. She said that they were calling to " get my attention ''. I asked what would have happened had I answered the phone, and she started to repeat herself. When I tried to ask how they could possibly have closed in the 5 minutes it took for me to return their call, she got irate and screamed into the phone " have a nice day! '' and hung up. I called back, and got her on the phone again. I told her that I 'd be reporting the calls, and she hung up the phone on me. I have no idea what this company is calling about, and I want the calls to stop if they have nothing to do with me.
Consumer complaint received 2024-03-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (CA)

XXXX XXXX solutions issued me a XXXX card in XX/XX/XXXX. It expired on XX/XX/XXXX. To get a new card with an extended expiration date, they want to charge {$10.00}. 15 USC 1693l-1 states that the card should have had an expiration date XXXX years from the date it was issued, not XXXX months later. 
When I talked to the company about this, they refused to waive the fee and told me it is in their terms and conditions. When I told them their terms and conditions violated national law, they told me they couldn't help me.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I checked my credit report with Experian website. I found on my report a tax lien with state of Georgia with ref # XXXX ... dated XX/XX/XXXX an amount of {$930.00}. likewise XXXX and XXXX  who finally removed them from my record after recognizing their error, and I also found this one as well to be an error on my credit report and attached screenshot of state of Georgia tax lien list and after getting in touch with them they clearly indicated that am not on the list and an attachment proved that.
I also found 3 an unauthorized hard inquiries which I never inquired or applied anything from them. They are as follows : 1. XXXX XXXX XXXX dated XX/XX/XXXX. 2.XXXX XXXX  dated XX/XX/XXXX. 3. XXXXXXXX XXXX dated XX/XX/XXXX. Again this is an error on my report and they needed to come out as soon as possible.
Consumer complaint received 2019-10-27
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: Experian Information Solutions Inc. (OH)

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

IN REGARDS TO : UNITED REVENUE CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. ON XX/XX/2017 A CERTIFIED LETTER WAS SIGNED RECEIVED BY XXXX XXXX FROM USPS. I HAVE NOT GOTTEN A RECEIVED INFORMATION THAT I REQUESTED A DEBT VALIDATION LETTER ASKING FOR PROOF OF THE DEBT THEY CLAIM I OWE AND PAPERWORK BEARING MY SIGNATURE. I HAVE YET TO GET A RESPONSE YET AS ALL THREE ACCOUNTS REPORTING ON MY XXXX REPORT HAVE DIFFERENT ACCOUNT NUMBERS BUT SAME AMOUNT. THEY HAVE NOT FOLLOWED THE ( FDCPA ) RULES AND REGUALTIONS. I KNOW THAT MY RIGHTS ARE TO BE PROTECTED BY THE VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES. THEY HAVE NOT VALIDATED THAT THE DEBTS BELONG TO ME BUT INSISTED ON BREAKING THE FDCPA RULES OF REPORTING WHILE VALIDATION WAS IN PROCESS THE COLLECTION AGENCY IS NOT ALLOWED TO REPORT TO ANY OF THE 3 MAJOR CREDIT BUREAUS. I AM JUST TRYING TO STRETCH MY RIGHT TO REQUEST VERIFICATION UNDER 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I XXXX XXXX, I have been unaware of these XXXX printed checks, under my account on Wells Fargo and notified, Wells Fargo ; as soon as I found them on my account history. I have delt with a terrible experience in regards to Wells Fargo assisting in these Fraudulent and tragic losses, I've obtained. I have unfortunately had a recent other encounter with them that made me investigate the status of these checks. I have already previously addressed this and from what the bankers have told me on the phone and even via mail, this is completely illegal. 
Honestly, it's purely evil. I don't even recognize the company name and would never give anyone knowingly access, to print checks on my behalf. These checks have now backdated for at least a year of this company printing checks that I apparently signed without my knowledge. When I was notified that these checks were printed, I was disturbed, because I don't even use checks. I've only used a few once in a blue moon for rent, for my company and the move I made. 
I am signing an affidavit to attach some of these XXXX checks for your reference. I have just became aware that I can utilize your assistance for the issues pertaining to Wells Fargo. Even if its just as mediation ; to a honorable outcome. 

Wells Fargo keeps prolonging communication with me and or completely ending the call, whenever I answer to address this matter. Please help me escalate this because it has been fat too long and I have suffered tremendously from this loss in my company and the way in which Wells Fargo has handled the situation really doesn't make sense. They denied the most recent check claimed but paid out others? Told me I was denied, due to timing. Which again, wouldn't make sense then that I would be paid out for the older checks? Please help me.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (AR)

I have attempted to verify the debt with the original creditor because when i asked for verification of the debt from Trident Asset management I was only provided with a computer print out of something I have never seen before. I contacted XXXX who trident said is the original acct holder and was given the acct number XXXX. XXXX said they do not have any acct with that number or even with my social security number, XXXX said to contact XXXX communications because XXXX sold the company to them. I contacted XXXX 's customer care, collections, retention, and escalation department. they attempted to locate any account using my name, my social security number, old address, old phone number and the acct number that was given to me by trident. trident has refused to verify this acct and only sends me that computer generated paper. they have not provided me with anything that proves the said debt is mine. I have also submitted a power of attorney to haven services to try to resolve this on my behalf, trident has been avoiding their calls and when trident does pick up the phone for haven services, trident puts them on hold and hangs up or say they did n't receive the power of attorney. the person i spoke to at trident confirmed that they indeed had the power of attorney.
Consumer complaint received 2016-06-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

I recently purchased a home with the intention of enjoying my retirement with my husband. Before I closed my husband passed away leaving me grieving for his loss and with half of my monthly income. I struggled to pay this mortgage for as long as I could before falling behind. The struggle has been difficult on me, I reached out to my bank in an effort to see if they would offer me any type of mortgage assistance. It was long before I found myself in foreclosure and denied for at least 3 modification requests. I finally decided to give up and sell my home- thats when I discovered that my mortgage is also upside down and had to request help with a short sale. I enlisted the help of a realtor and listed my home, I live in XXXX California and at times it takes homes a long time to sell. My bank reviewed XXXX offer on my home and countered the buyer XXXX on their offer- the buyer increased their offer XXXX but the bank denied it saying that I have a sale date approaching and that they would rather foreclose. All I want to do is avoid foreclosure and I feel like Caliber couldve of worked with us a little better and been less aggressive given my circumstances. the offer that was presented wouldve almost payed them in full and I couldve avoided having a foreclosure on my record that will follow me for at least 7 years.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (TX)

Received account statements from BMO bank on a savings builder account with a account balance of XXXX for two months. I've never even heard of BMO, when I tried to call and resolve this they said they can't verify who I am after I gave them my name, last four and the account information. They verified that the account exist.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AR)

UNDER THE BANKRUPTCY CODE, LEXIS NEXUS MUST FURNISH ME A RECAP REPORTS OF ALL PUBLIC RECORDS, TAX LIENS, JUDGEMENTS ETC..ALSO TO WHAT CREDIT REPORTING AGENCIES, ENTIRE HISTORIES..ALL PROPERTIES OWED OVER THE LAST 20 YEARS.
Consumer complaint received 2019-10-27
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: EQUIFAX, INC. (FL)

Submitted proof to Equifax that XXXX XXXX had removed the collection off of my XXXX-XXXX   Account on XX/XX/2019. It is still on there. XXXX XXXX Has legal responsibility to me as a Consumer to remove this OFF my XXXX and Equifax reports as well.
Consumer complaint received 2019-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

The servicing company has scheduled a disbursement from my escrow account to pay real estate taxes which is significantly greater than the amount due. I've tried twice to contact the escrow servicing area to request that the scheduled amount be reduced to the invoiced amount. They have been totally non responsive.
Consumer complaint received 2021-10-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (MO)

This company contacts me up to 5 times a day 5 days a week. They contact my work number even though I have told them I can not receive calls. They contact my husband and my elderly father in law on their personal cell phones. When they contacted my elderly father in law they lied to him and said they were from the hospital. They are harassing me!
Consumer complaint received 2017-10-05
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: Experian Information Solutions Inc. (VA)

I 've been trying to get a look at the my credit report from Experian but I 've had no luck with them. I tried joining their service and still no luck. 
It is impossible to get my personal info from them which affects my life. 
My score from XXXX is XXXX and XXXX is XXXX so why is my Experian is at XXXX. The Experian is stating that I 've seriously delinquent account but I do not.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/17 while trying to put down a {$200.00} deposit for my daughters XXXX birthday I was told that my card was declined. I called XXXX XXXX only to be rudely told that all of my accounts with them had been closed and that I would have to wait for a letter in the mail to find out why. I have never missed a payment in fact I make multiple payments a month. I would like all of my XXXX accounts restored.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

I am being told that I need to pay for another XXXX, but I do not feel as if that is acceptable. Here is the timeline of events and why I believe I should not have to pay for another XXXX : XX/XX/XXXX - I paid for a XXXX  that was completed on this date. 
XX/XX/XXXX - I received a letter stating the value of the property was {$120000.00} and the value needed to be paid down {$8400.00} for the PMI to be removed. 
XX/XX/XXXX, XXXX I received a letter from NewRez stating I will need to submit a written request to have the PMI removed once I paid the value down to below 70 % and that the XXXX was good for 120 days from the completion of the valuation. Since the valuation was completed on XX/XX/XXXX, the valuation would be good until XX/XX/XXXX. 
XX/XX/XXXX - I submitted a check to be applied to PRINCIPAL BALANCE ONLY as noted in the memo line, and in the letter sent with the check. That balance was NOT applied to principal only and I had to call twice to have the corrected. 
XX/XX/XXXX - The principal only payment was corrected and the loan was paid to below {$84000.00}. 
XX/XX/XXXX - I submitted a request in writing to have the PMI removed, AS WELL AS a request to have the escrow removed. I have included the email below that I sent on XX/XX/XXXX. 
XX/XX/XXXX - I called your customer service line and spoke with XXXX who transferred me to the supervisor XXXX. I was told me request for PMI removal would be escalated. 

Since then I have called seven more times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again and XX/XX/XXXX ). I have spoken with 11 different people ( XXXX XXXX, XXXX XXXX- supervisor, XXXX , XXXX- Supervisor, XXXX XXXX , XXXX XXXX , XXXX, XXXX- supervisor , XXXX XXXX, XXXX XXXX and XXXX XXXX ) to find out why my PMI request on XX/XX/XXXX had not been addressed. All 11 of those people stated they would either call me or email me back, and the only one that did is XXXX XXXX who called me back once to tell me she did not have an update for me. 

I paid my loan down to the amount you requested, well within the time frame you asked me to pay it down within, and I submitted a request in writing ( as shown below ) also well within that requested timeframe. Please tell me why I need to pay for another vacation.
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (AZ)

I did not sign promissory note that the student loan servicer has on file. Section682.402 ( e ) ( 1 ) ( I ) ( B ) Program regulations provide that XXXX  XXXX benefits are payable to holder of the loan where the lender obtained a legally enforceable promissory note to enforce the loan. 
All promissory note that are done electronically must have a consent for electronic signature with the documents in order to make them legal in lieu of a wet signature. 
The signature itself must contain the consent code for the type of consent used. The document contains neither and the signature itself was clearly done without consent as it does not have the consent code. 
I have a copy of the Authoritative document which shows the electronic document was altered long after the note was signed. 
I am asking for a copy of the original un-altered promissory note with the electronic consent. 
The note supplied is already been proven altered plus a number of legal shortcomings not mentioned above that makes it un-enforceable.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2022-09-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (CA)

Mercury Bank closed our business checking account on XX/XX/XXXX for business XXXX On XX/XX/XXXX they issued a check for the funds that were held in the account which we never received. The check was XXXX ) sent to the wrong address and never delivered XXXX ) addressed to an old business name. 

We have reached out to Mercury support 5 times to have the check reissued and they've continuously directed us to the compliance team. The compliance team only sends us templated emails and refuses to help.