davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (FL)

Midwest Recovery Systems placed an account in collections under all three of my credit bureau reports XXXX as of XX/XX/XXXX in the amount of {$810.00}. I have not received any written or verbal communication from this company regarding this collection nor have they allowed me the chance to validate this debt prior to placing it into collections on my reports. My credit reports state this account went unpaid as of XXXX which is not true! I have not had any unpaid accounts in more than 7 years as I have watched my credit reports vigorously. Therefore, this can not be correct. The account number listed on the reports for this collection is # XXXX. If this company can not validate or verify this debt they are not allowed to collect it. Also, an account can not be reported if the ORIGINAL DATE OF DELINQUENCY is more than seven years. Midwest Recovery Systems will need to provide proof of the original delinquency date which is the date the account first became delinquent ( with original debtor ) and after which it was never again brought current in order to continue reporting. 
Address on file : XXXX, MO XXXX or XXXX XXXX MO XXXX.
Consumer complaint received 2020-06-22
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

DPTEDXXXX {$4000.00} XXXX {$11000.00}
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: J. Mark Heldenbrand PC (AZ)

Recently, I received a letter demanding an unknown amount of {$3600.00} be paid on an old account that was vacated as paid in 2013 for the same account. This letter provides false information as a threat to issue a judgement.

Under law a matter can not receive a double judgement for the same account. This would create multiple judgments for the same account known as Res Judicata. My consumer rights have been falsified with improper information and unnecessary threats to harm my credit. I request a complete investigation into this matter.
Consumer complaint received 2020-06-22
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: CITIBANK, N.A. (CA)

In XX/XX/XXXX I applied for a Simplicity Citibank credit card and was denied. In the denial letter, Citibank stated that the denial was based on negative information reported by XXXX. After contacting XXXX and receiving a copy of my credit report, I was informed by XXXX that I had no negative information that could have been used in Citibank 's decision. After days and hours on the phone, I was finally able to contact a representative from Citibank who informed me that their internal records system showed I still had a negative account from XXXX ending in # XXXX. This is an error on Citibank 's end, as this account was included in a Chapter XXXX Bankruptcy in XXXX. Citibank declined my application for a credit card 12 years after the fact using internal records and data information that was not provided to any of the 3 credit bureaus, yet it was the main piece of information used against me when judging my creditworthiness. This behavior is unacceptable to me, to use outdated internal information ( that is actually incorrect and should have been properly been listed as " included in BK in XXXX '' ) for a credit decision that the consumer doesn't even have access to and can't properly dispute through the credit bureaus. I was able to obtain the address for Citibank 's internal dispute department and wrote them on two separate occasions, yet have not received any type of communication from them. Please assist me in this matter, as Citibank is completely ignoring me. Thank you.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Komyatte & Casbon, P.C. (IN)

This law firm and collection agency does not comply with FCRA regulations. They have failed to validate the debt as allowed to the debtor under 15 USC 692 ( g ) Section 809 ( b ) but has attempted to collect the following balance of {$1000.00} and {$2500.00} ( two separate accounts ). There is no question that they have willfully violated my rights repeatedly tried to collect debts beyond the state statutory limits. This company has refused to validate the debt and HIPAA authorization as I have requested the following : - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me They have been reported to the state and federal agencies that provide regulatory and enforcement oversight. Confirmation of the previous credit reporting date - beyond 7 years - has been provided to credit reporting agencies.

Finally, they have refused to acknowledge the fact it is an illegal attempt to collect a debt that is beyond the statue of limitations.
Consumer complaint received 2017-01-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (TX)

We refinanced our mortgage with The Money Source to an FHA Streamline loan. Our escrow funds balance were misappropriated. They applied the escrow balance towards the principal on the new loan and then sent us notice of a XXXX $ escrow shortage. We have been attempting to get this issue resolved for 3 months. Now they have increased our payment.
Consumer complaint received 2016-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NY)

I opened a XXXX account back in 2015 and I returned the phone in the 14 day return period that was allowed. I was told the account was closed and all I had to do was pay a XXXX dollar restocking fee. It appears that the XXXX store I was dealing with never processed the closing of the account properly. I do not feel I owe the debt.
Consumer complaint received 2022-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

PHH is forcing Mortgage homeowners in NEVADA into Loan Modification by delaying the company approval of XXXX funding is being sponsored through DEPARTMENT of TREASURY. 

PHH has had atleast 6 months to process the XXXX XXXX XXXX XXXX XXXX XXXX and its look like they will not be completing this process this year! 

What is PHH motive? What states have PHH completed the Process? Why is it taking PHH 6 months to process the agreement? 

CFPB needs to do an internal investigation as to what is going on with this process and to see if PHH is deliberately holding up the completion of SERVCING PARTICIPATION AGREEMENT.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WY)

1. On XX/XX/XXXX I got a letter from Wells Fargo Home Mortgage requiring me to submit proof of flood insurance on a home I own and on which they hold a mortgage. 
2. The mortgage has been in effect since XX/XX/XXXX and I have never required flood insurance. This is probably because the home is in the middle of the XXXX XXXX and about a XXXX miles from any water bodies. 
3. On or about XX/XX/XXXX, I called WFHM to inquire about this. They admitted it was a mistake. They said they would send a letter confirming that flood insurance was not required on the property. No letter came. 
4. On or about XX/XX/2016 I called WFHM to ask about the letter. They assured me one would go out. WFHM has no identification of its phone agents, they will not send an email, and the only identification I got was from some phone attendant named XXXX. Again no letter came. 
5. The letter is important because : a ) Wells Fargo Home Mortgage refinanced this home in approximately XX/XX/XXXX, promising a rate of 3.75 %. When the documents came for signing, the rate was 4 %. It took a complaint with the CFPB and the Wyoming Attorney General to resolve the issue in my favor, since WFHM was unresponsive. 
b ) This is the same company that took it upon itself to take out an insurance policy on the home, charging me {$3000.00}, when I already had insurance in place. It took a WF Bank employee 2 months to reverse the charges.
Consumer complaint received 2020-06-22
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX {$4000.00} XXXX {$11000.00}
Consumer complaint received 2021-10-31
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. (FL)

XXXX  XXXX  Original creditor : XXXX XXXX {$120.00} Balance updated XX/XX/XXXX XXXX  XXXX Account number XXXX and XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX  XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX/XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card US DEPT OF EDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Inquires US SM BUS ADMIN ODA XXXX XXXX NA RESIDENT VERIFY XXXX
Consumer complaint received 2020-10-07
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. (GA)

TO WHOM IT MAY CONCERN, I AM APPALED AT THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. I NEVER SIGNED UP FOR XXXX. I AM A VICTIM OF IDENTITY THEFT. I AM ALSO APPALED AT THESE EXCESSIVE INQUIRIES ON MY CREDIT PROFILE. THESE ARE A VIOLATION OF MY RIGHTS. THESE FRAUDULENT ITEMS ARE ALSO A HINDERANCE FROM ME DOING IMPORTANT THINGS I NEED TO DO. THESE INQUIRIES AND FRAUDULENT ACCOUNTS APPEAR TO BE AN EFFORT TO HOLD MY CREDIT SCORE DOWN, SO THAT I AM CHARGED HIGHER INYTEREST RATES FOR ANYTHING I HAVE TO CREDIT QUALIFY FOR.
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

On XX/XX/XXXX, the XXXX  XXXX XXXX XXXX dealership inadvertently registered and financed the incorrect vehicle in my name. On XXXX, I caught this error and contacted the finance director at the dealership. At that time, I was advised by the director that they would have to send the finance department at Nissan Motor Acceptance Corporation a check to  payoff this vehicle. Thus, a check was sent overnight to them on XX/XX/XXXX by XXXX and NMAC received it on XX/XX/XXXX. As of today, this check still has not been processed and this account remains open in my name. I've called the finance department at NMAC at least 10 times to check on this account and as of today it still in the same status for the full balance of that vehicle.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AZ)

I checked my XXXX XXXX account on XX/XX/2020 and had an inquiry from SYNCB National credit cards/ Airlines . I called synchrony bank and they were of no help and very rude. I want to file a complaint with synchrony bank, XXXX XXXX and XXXX, especially synchrony please.
Consumer complaint received 2018-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed the balance on my XXXX XXXX  XXXX credit card. The bank over charged me with their error and are refusing to fix it. So I disputed it. TU didn't act as if they investigated even though I sent a mountain of info with all of my statements and a letter detailing the issue. They treated it as any other frivolous dispute and ignored it leaving the info unchanged. It's inaccurate and I want it fixed! I'm not accepting their response. The balance is wrong, XXXX over charged me with interest and other fees for their error. The item should've been cleared with all of the payments I made. One of them fairly huge! They ignored it so they could double charge me for the item doing a bait and switch so they could earn double interest. They tacked on back interest and have refused to correct it. I suspect I will end up having to sue them when I get the balance lower. I refuse to pay the add on costs period. Their account is in dispute as far as I'm concerned.
Consumer complaint received 2016-01-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (AZ)

I followed all the steps and fulfilled all the conditions laid out by Discover Bank. They also communicated verbally with the confirmation # and later via email communication. First they said bonus will be paid on XXXX/XXXX/XXXX. Later they said by XXXX/XXXX/XXXX. But till now no bonus ( {$100.00} ) has been paid. 
Please refer to the CFPB cases : Case number : XXXX Case number : XXXX
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX, Bank of America VP patently denied our ( The XXXX, Re-Fi Loan No. XXXX application based on erroneous information. We refute the denial of Action Taken on the basis of : alleged garnishments ( there are none in our credit history ) ; no repossesion actions ; no delinquent past credeit obligations in the last 12 years. 

The BOA low-balled our property appraisal : XXXX XXXX XXXX XXXX XXXX, Ga, XXXX. I have evidence of more appropriate FMLS appraisals that I sent these people..several times. I have numerous 'run around the flag pole documents ' tax returns, home-based business documents, bank accounts, etc. 

Let me cut to the chase..These uncaring community-busters chose not to work with us in year XX/XX/XXXX-XX/XX/XXXX ; we successfully were approved for the Chapter XXXX bankruptcy..paid off all of our obligations..and have maintained stellar credit posture since Year XX/XX/XXXX. If they had only worked with us in Year XX/XX/XXXX-XX/XX/XXXX, we would not obviously not be at a loggers head. We have a XXXX FICO score and getting better. BOA wants to punish us..'too big to fail.they have not learned yet that taxpayers bailed them out! '
Consumer complaint received 2016-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (CA)

A collection company by the name of Diversified Consultants , Inc., claims that I owe XXXX on XXXX bill. When I got their letter of collection, I 've sent a reply with a dispute letter via USPS with certified/ signature required. I asked them to validate the debit, but what they sent me was a single page statement that is not sufficient to validate this debit. They even reported the debit of collection on my credit reports to all reporting agencies- they completely ignored what I 've asked from them.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have a credit card with Synchrony bank which I am using to pay for my furnace/ac installation. Payments are due the XXXX of each month. My first payment was due XX/XX/XXXX2021. 

This is my payment history : XX/XX/XXXX {$560.00} ; XX/XX/XXXX {$670.00} ; XX/XX/XXXX {$670.00} ; XX/XX/XXXX {$650.00}. Note : all of these payments are significantly higher than the amounts due. However, when I paid the XX/XX/XXXX payment I received a notice that my XXXX payment was " late ''. It clearly wasn't, as I'd made 4 payments in 3 months. When I contacted Synchrony, I was told I was charged a {$28.00} late fee because I had paid the bill EARLY and they had applied the XX/XX/XXXX payment to the " wrong month ''. Nothing in my consumer agreement penalizes me for paying my bill early. I was told that the fee would be " waived '' ( suggesting they were doing me a favor ) and that I only could get 1 " waiver '' every 12 months. I also was told that if I paid the bill early again I'd be billed a late fee again. This is fraud, plain and simple. XXXX should not be allowed to get away with this. If they're doing it to me they're doing it to everyone.
Consumer complaint received 2016-12-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

USAA FEDERAL SAVINGS BANK 's failure to report in a timely manner my mortgage and mortgage payments to the Credit Reporting Agencies is hurting my credit. USAA was contacted by me and requested first in XXXX 2016 by me too report my VA Mortgage Loan and payment information. Still it has not been done, as of this date. 
I now have XXXX reporting : " What 's hurting your score. There is insufficient information about mortgage accounts. You either have no mortgage accounts, or there is insufficient information about mortgage accounts, in your credit file. People without mortgage accounts or those who do not have sufficient information about mortgage accounts are considered riskier by lenders. It is important to have various types of credit that are held in good standing in your credit file, including mortgage accounts. '' Plus, XXXX which is used by USAA reports : " Factors influencing your score downwards. Lack of sufficient relevant real estate account information. A real estate loan can be a first mortgage, a home equity loan, or home equity line of credit. The XXXX credit score model relies on information in your credit files at the XXXX national credit reporting companies ( XXXX and XXXX ) to generate your score. Your credit file does not contain enough credit behavior information about your real estate accounts. A mix of different types of open and active credit accounts, including real estate loans, can have a positive impact on your credit score. '' USAA 's internal problem was also reported to the XXXX to no avail since my current mortgage information has NOT been reported to XXXX and XXXX as of this date ( see attached ).
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

I have done my research on this collection company that is reporting to my Credit Reports that I owe a debt, and in my findings I discovered via The California Secretary of State that XXXX XXXX XXXX is not, nor have they ever been bonded in the state of California to do business and/or collect debts. So i have questions : 1. What is your authorization of law for your collection of information? 2. What is your authorization of law for your collection of this alleged debt? 3. Can you evidence your authorization to do business or operate in this state?
Consumer complaint received 2016-11-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (IL)

To who this may concern, XXXX/XXXX/XXXX My name is XXXX XXXX, I have contacted your company before due to our mortgage company not following guidelines about our modification. XXXX bank seems to have done it again, and refused our payments and according to the FHA guidelines if we live within a XXXX miles radius of one of their offices the company is to send an agent for a sit down conference, this never happened and we live within a XXXX mile radius of a branch in XXXX Michigan. Instead we had our payments refused on and off since XX/XX/XXXX, then XX/XX/XXXX, refused again in XX/XX/XXXX and then accept it again XX/XX/XXXX, and then refused the entire rest of XX/XX/XXXX only to have the payment accepted again XX/XX/XXXX. Our mortgage was then sold to Planet Home Lending who is a debt collection company and has also refused our payments from XX/XX/XXXX all the way up until XX/XX/XXXX and we were told they were attempting to collect a debt we would not have had if XXXX had just accepted the payments and followed the guidelines they were required to by law, Planet Home Lending then did a trial modification for 3 months, XX/XX/XXXX to XX/XX/XXXX. When that was done our payment in XX/XX/XXXX was refused, when asked why this happened, I was told by XXXX XXXX the modification was accepted, we then received permanent modification papers to be returned no later than XX/XX/XXXX with the first payment, which was n't due til XX/XX/XXXX, however we are also being charged and additional {$5100.00} for legal and attorney 's fees. I do not believe we are responsible for all this, due to the fact we made our payments on time and monthly, the payments were refused. We are now responsible for extra fees we did not cause and we have been placed with a debt collection company for a debt we did not accrue. I have all the documents to prove we made our payments and we even had to hire an attorney to explain why this was happening. I am at my wits end our payments have increased over {$100.00} a month, and we were not in the wrong or at fault for this to happen, how can a company cause this kind of issues and get away with it? 

Thank you for your time, XXXX XXXX