davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Check Security Associates, LLC (CA)

Below is the letter they finally sent me after via email after asking for them to send it by mail which they wo n't do initially. It took the weeks of calling me to finally even send the email. Warner Asset Location Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Phone : XXXX Fax : XXXX XXXXXXXXXXXX Payment Arrangement XX/XX/XXXX Account Information This notice is to inform you that the above referenced debt with XXXX XXXX and all rights and obligations regarding this debt have been assigned Warner Asset Location Services for immediate collection. Warner Asset Location Services has agreed to the payment arrangement below to satisfy your delinquent account with XXXX XXXX. Number of Payments : 1 Payment Date Payment Amount Status Type XX/XX/XXXX $ XXXX PENDING BALANCE IN FULL Once the final payment has cleared, your account will be considered paid in full and reported to the proper credit reporting agencies, where applicable. Furthermore, you will be released of any financial and/or legal obligations pertaining to the above referenced account as well as any remaining balance. If you do not adhere to the terms of this payment plan, your agreement will become null and void and we will continue to exercise all pursuant legal rights and remedies under applicable laws to obtain repayment accordingly. If you have any questions related to the above referenced payment plan, please do not hesitate to us toll free at XXXX XXXX Monday through Friday from XXXX XXXX EST. Please refer to your Account ID as indicated above on all questions and payments. Federal law requires that we notify you that this is an attempt to collect a debt and any information obtained will be used solely for that purpose. Sincerely, Warner Asset Location Services Original Creditor : XXXX XXXX Original Account Number : XXXX Account ID : XXXX Current Balance : $ XXXX
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had gone into a Bank of America to cash a check which was drawn of the same bank. I I specifficaly asked the teller to verify the funds which she did so and the check was cashed and given to me. A week later my account which was n't linked to the transaction was overdrawn for that amount. They claimed that the maker of the check stated it was fraudulent but I have supplied multiple letters from that establishment signed by the owner stating it was not. I am on XXXX and XXXX and I cant get off!!
Consumer complaint received 2017-05-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

We emailed to Dovenmuehle Mortgage Servicing an application for mortgage assistance to complete a short sale onXX/XX/XXXX. The emailed included paystubs for 30 days, bank statement for 3 months, hardship letter, XX/XX/XXXX tax returns, purchase agreement, listing agreement and estimated HUD 1. I called to make sure the documents were received and I was told I had to wait 5 days for review. I called again 5 days later and I was given a list of more documents to submit and I was also told the Borrower needed to explain deposits on Bank statements, at this point I was told the short sale workout would not be opened until all the documents were returned. I submitted more documents on XX/XX/XXXX and XX/XX/XXXX. I submitted 2nd year tax returns, more bank statements, more paystubs then 3 days later I receive  another call telling me I need other explanation letters, lease agreements from non-occupying borrower, more bank statements from a savings accounts and more paystubs and still the bank has refused to open a short sale workout and postpone the foreclosure sale date even when they continue to review and ask for additional documentation not included in the original application instructions. Every time we return documents then they ask for more update documents, its a never-ending process. I need your help!
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BMO Bank, N.A. (WI)

It 's been told to me as I understand it that XXXX XXXX Institutions are requiredfor consumer concerns that within institution must be posted acknowledgement and/orrecognition of Office of Consumer Currency [ OCC ] and/or provide contact # Consumer Compliance Division ... nor FCPB ... .neither of which is provided. When asked for in XXXX XXXX, XXXX XXXX Senior Premier Banker, Vice President, Regional expressed no such ideaof any such agency that I was describing but offering outlandish excuses about myconcerns.
Consumer complaint received 2017-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I saw negative credit on my credit report by Overton, Russel and Donovan debt collection for 6 year old bill. Never received any letter or call from them just directly reported on my credit report. I was not made aware that I could dispute. Being ignorant I paid my 2 weeks paycheck to them. Within 5 weeks they send me another bill from same company regarding my son, same 6 years old. This hospital they send me bills have been taken over by another hospital 2/3 years back. Also my son always had child health plus insurance. I think they saw that I paid one bill so they are purposely sending me more unnecessary bills to collect money. Someone should really investigate in all their collections and revenues.
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Service, Inc. (TX)

I was contacted on the morning of XX/XX/XXXX about an erroneous debt that ARA said that I owed ; the name of the person that talked with me was XXXX XXXX. ARA alleges that I opened a credit card account in XX/XX/XXXX and that I made payments until XX/XX/XXXX. They further allege that I then stopped making payments. They have the wrong person. Today, XX/XX/XXXX, I received a letter from XXXX XXXX of ARA including an affidavit of assignment of a debt to ARA. The letter instructs me to make a payment by tomorrow, XX/XX/XXXX, for a partial sum of {$2300.00} on the owed balance, or else I owe the full amount of {$17000.00}. Again. They have the wrong person and provided no further details around this alleged debt owed by me. I did not open this account almost 40 years ago. I have never seen any adverse reports on my credit history that would reflect this type of default, and I remain in good credit standing. I deny that I am the debtor that ARA are looking for. It would have been impossible for me to maintain my military security clearance for the 22 years that I spent on XXXX XXXX, which includes the time of the alleged debt default of XX/XX/XXXX. The unprofessionalism from ARA is concerning. They asked me lots of personal questions and I felt pressured by them. Isn't there some statute of limitations that applies to this type of harassment? In their letter they state that if I settle the debt, they won't report any derogatory information to the credit bureaus. Isn't that illegal in this case? This is causing me great stress. 

I just don't know what my options are here.
Consumer complaint received 2016-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

I have paid XXXX ins. 1 month in advance since XXXX. STARTING in minnesota. I never heard of these clowns trying to collect/steal money NEVER owed. Outrageous stupidity, petty greed here. I told them to cancel my policy XXXX XXXX. My car was repossed XXXX XXXX XXXX. These clowns at this collection agency do n't know what there doing or what there trying to collect!!!! I do n't owe XXXX a XXXX dime. They owe me my 1 month in advance and/or any arbitrary fees for cancellation refund goes to me. Instead these XXXX insult my intelligence send this to a collection agency for {$88.00} ( {$10.00} ) of that is a fraudulent fee charged.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From XXXX XXXX  Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}. 
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information. 

I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX
Consumer complaint received 2015-11-02
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (DC)

AmericanExpress Gift card numbers have been stolen, it is commonly known within their call centers but they are n't willing to help consumers reclaim the funds, or file for fraud - I have been on phone with their call centers in XXXX for hours now and still ca n't get put through their fraud center. AmEx knows this is going on - but are n't helping customers or alerting vendors that their card numbers have been stolen.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I order a product from a website, it say only XXXX for trying this product. I didn't notice there is a catch on this product for XXXX cost. on the email i got from this company see attached doc, it didn't say anything about additional charge. i call my credit card company and provide them with this email, my credit card company refuse to get this taking off my credit card. please assist.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MA)

I TRY TO PULL MY CREDIT REPORT FROM EXPERIAN, BUT I FAILED ON ONE OF ID QUESTION, THAN THE COMPANY SAID I HAD PULLED, THAT IS NOT TRUE, I JUST GOT FROM XXXX. 
I NEED THIS INFORMATION.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

STATUS XXXX XXXX made this response about the improper use of my information on XX/XX/XXXX. 

Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of XXXX XXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. XXXX XXXX has reviewed XXXX XXXX concerns. Our records show that our member established the following XXXX XXXX accounts : a credit card account ending in XXXX on XXXX XX/XX/XXXX, a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX, a credit card account ending in XXXX on XXXX XX/XX/XXXX and a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX. These are valid debts and XXXX XXXX remains responsible for their repayment. As noted in the XXXX XXXX Important Disclosures, which may be viewed at navyfederal.org, we may report information about accounts to the credit reporting agencies. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX XXXX XXXX loan and credit card accounts. We will not request the removal of valid data from his s credit file. Should XXXX XXXX have any questions, he may contact us toll-free anytime at XXXX ( XXXX ). 

I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. Gramm-Leach-Bliley Act gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want use to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies. Please stop reporting my auto loans, inquiries, credit cards, or anything else.
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Home Loan Center, Inc. (CO)

I was seeking information on a auto refinance on XX/XX/XXXX around XXXX. I input information and within 7 mins my phone phone was being blown up with phone calls and text messages. As of today XX/XX/XXXX I've had 27 calls and 3 text messages. Please make this stop.
Consumer complaint received 2016-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (FL)

I have student loans which I believe were with Great Lakes. Recently, I have been receiving calls from XXXX stating all of my loans are in default and threatening me with garnishment of my wages. I told a family member who advised me I would have qualified for a deferment however, I was never notified of this. Great Lakes had my personal information. 
I attempted to speak with Great Lakes today about why these loans went straight into default and they refused to answer at all. Further, they refused to allow me to speak to a supervisor or anyone else there. I called the Dept of Education and they suggested I call Great Lakes also and stated they are the ones who should answer the question as to what happened, but had no further information to guide me as to what to do.
Consumer complaint received 2016-05-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (TX)

FCRA 623 ( a ) ( 5 ) States that the original creditor ( TDAF ) is required to accurately report the DOFD separately to the CRA ( XXXX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. TDAF acted as was both the original creditor and collector for this account. 

The vehicle was repossessed in XXXX, XXXX. 

FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. The specific key point in my account is that this charged-off account became delinquent XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. 

TDAF has misinterpreted FCRA 605 ( c ) and failed to accurately report the DOFD as mandated by FCRA 623 ( a ) ( 5 ). 

Attached is copy of the Account History provided by TDAF, copy of XXXX Investigation Report and a Certified Mail Receipt copy of my dispute to TDAF.
Consumer complaint received 2015-08-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has lost a transaction I made around XXXX/XXXX/2014. The transaction amount was for {$3000.00} loan made to another party. The parties name is XXXX XXXX XXXX XXXX account number XXXX his bank is XXXX XXXX. According to Bank of America this transaction never took place. I would like for Bank of America to tell how come my account mysteriously lost {$3000.00} around that time frame.
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (TX)

Receive a citation Security Credit Services , LLC in XXXX XXXX TX. XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. This company is not locate at the address nor have a physical office in the State of Texas. I received a notification an assumption of debt by the agency. Nor has Security Credit Services , LLC sent confirmation debt owed. The amount is {$10000.00} on XX/XX/23. The agency has weaponize the court system I not received notication of the debt and provide any options to resolve it.
Consumer complaint received 2022-02-16
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. (MD)

I am writing to dispute the following information that appears on my Equifax consumer report : XXXX XXXX XXXX XXXX : XXXX Creditor Account No. : XXXX Balance Owed : {$110.00} On XX/XX/XXXX a collection for {$110.00}, owed to XXXX XXXX XXXX, was added to my Equifax credit report. On XX/XX/XXXX I opened a despute challenging the validity of the collection reported by Equifax Information Services and requested the method of account verification and proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by Equifax Information Services via USPS Certified Mail on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Equifax which outlined their investigation methods. Equifax then marked the account as verified, never stating their method of verification. I then contacted XXXX XXXX XXXX via USPS on XX/XX/XXXX, requesting any proof of a contractual agreement between myself and their company. In response to that request I received a cover page with XXXX 's letterhead and a copy of a XXXX phone bill, not any sort of contract bearing my signature drafted between myself and XXXX XXXX XXXX XXXX 

Both XXXX XXXX XXXX and Equifax Information Services have failed to produce any competent evidence showing a contractual agreement was made between myself and XXXX XXXX XXXX, therefore I demand that this negative and incorrect information be removed from my credit report immediately.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AZ)

I had a pay-option ARM loan that was originally with XXXX. This loan was later sold to XXXX XXXX XXXX. My loan was included as part of XXXX class action settlements, once from the state of Arizona and again through the National Mortgage settlement. For 6 years, XXXX XXXX XXXX refused to modify my loan pursuant to the terms of the court ordered settlement. On XX/XX/XXXX my loan was sold to Caliber Home Loans. I sent copies of all court documents to Caliber and asked them to comply with the court ordered settlement. On XXXX XXXX I received a letter from Caliber stating that " Caliber has no affiliation with the defendants referenced in the documents. As such, we are not able to address the matter '' I find it hard to believe that I lost all of my rights under the settlement agreement just because XXXX XXXX XXXX sold the Loan to Caliber. Especially since I received a letter from Caliber on XX/XX/XXXX that specifically stated " The transfer of servicing of your mortgage to Caliber will not affect any term or condition of your mortgage '' Caliber refused to provide a single point of contact and I spent many hours on the phone talking to multiple people. I was frequently promised call backs from supervisors and representatives that never occurred. I was told my loan was going to be reviewed by a legal department but it never was. My loan was dual tracked while I was applying for a loan modification in direct violation of the court order. 
I did submit all required documents to Caliber for a loan modification. I was told by XXXX ( ID # XXXX ) on XXXX XXXX that Caliber had recommended a loan modification to the investor and that they were waiting for the investor to approve it. XXXX also stated that I would be contacted by the manager XXXX ( ID # XXXX ). XXXX never contacted me. On XXXX XXXX I received a call from XXXX ( ID # XXXX ). She informed me that my modification was declined. She stated that no other options would be made available to me and that my home would foreclosure on XX/XX/XXXX. Due to the dual tracking of my loan I have no time left to dispute the foreclosure which will occur tomorrow.
Consumer complaint received 2016-02-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MI)

I originated a mortgage with Guaranteed Rate. The close date was XX/XX/XXXX, or XX/XX/XXXX. My mortgage was then transferred to Freedom Mortgage. I have my homeowner 's insurance and property taxes escrowed into my monthly mortgage payment. I currently have a escrow balance of around {$4800.00} at Freedom Mortgage. My real estate taxes were due XX/XX/XXXX to the city of XXXX, Michigan. They have not been paid, and penalties and interest has accrued. The total tax bill that is currently due is around {$2800.00}. 

I first found out that my taxes were not paid on XXXX XXXX, XXXX. I just found out from Freedom Mortgage that the estimated payment date is going to be XXXX XXXX. The problem with this is that the City of XXXX is going to transfer my property taxes to XXXX County and a lien will be placed on my property. This is going to happen on XXXX XXXX. 

So, this is a very serious situation. I can not have this happen. I have been speaking to someone directly at Freedom for the past week. Her extension is XXXX. She said they escalated it to their claims department, but I can not get any further idea when it will be paid. I told them that my property taxes will be transferred to XXXX XXXX, Michigan on XXXX XXXX, but I am getting nervous as to if it 'll be paid. 

Please find something out or see if you can do anything to escalate this. 

My contact information XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Cell : ( XXXX ) XXXX
Consumer complaint received 2023-04-13
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. (TX)

On XX/XX/2023 I sent EXPERIAN through their online portal n FTC Identity Theft Report No # XXXX listing the fraudulent accounts and hard inquiries along with proof of my identity, proof of my address, and a second notice written letter stating that the accounts they've re-inserted in my credit report must be properly verified. 

EXPERIAN concluded their " investigation '' on the fraudulent accounts and determined that the accounts will remain to report in my credit without proper validation, the reporting agency never sent me the original instrument of indebtedness so nothing has been lawfully verified. 

I've called EXPERIAN multiple times since XX/XX/2023 without being able to remedy the injury they have caused me. They've been ignoring my claims and have not deleted the accounts, inquiries, and addresses that I've told them are a result of Identity theft. They've claimed to conduct investigations without any further explanation on how they verify or conclude those accounts/inquiries and addresses are mine. The actions of EXPERIAN are causing injury to my reputation and ability to do commerce and can not be approved for credit. My rights have been continuously violated by EXPERIAN representatives who say they follow their " policies '' without any regard for the law as mandated by Congress. This is all damaging my mental health and causing me hardship.