davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Machol & Johannes, LLC (NM)

1. In addition to not receiving notice of right to dispute, 2. The law firm Machol & Johannes LLC is repeatedly submitting legally insufficient filings to the Defendant ( s ) they serve 'Complaint For Money Due. ' For example, in order for the 'Complaint for Money Due ' to be legally sufficient their filings fail to comply with Rule XXXX ( XXXX ). Machol & Johannes LLC did not attach alleged contract to the complaint, as required by New Mexico law, nor did they serve the alleged contract with the complaint. Therefore, it is legally insufficient if the 'Complaint for Money Due ' does not have the alleged contract attached. They MUST be served together to be legally sufficient. Machol & Johannes LLC does not comply with Rule XXXX ( XXXX ). They do not attach the alleged contract to the 'Complaint for Money Due ' that results in their improperly serving Defendants. 
3. Machol & Johannes did not prove ownership that it is the holder in due course thru chain of title, as also required by law. 
4. Instead, Machol & Johannes attached their XXXX Offer Form to make payment arrangements to 'Complaint for Money Due ' that was served to defendant instead of the legally required alleged contract. This is a deceitful business practice and an attempt by Machol & Johannes to make their payment form appear like a 'legal ' document. This is shameful that the New Mexico courts, do not carefully review how Machol & Johannes are serving defendants. 
5. Machol & Johannes take advantage of Defendants who are not represented by attorney because they assume Defendants do not know the laws and or court rules. 
6. Machol & Johannes attorney, XXXX, continued to send me excessive emails after I notified her not to contact me via email due to security/privacy issues. XXXX ignored numerous emails to discontinue communication via email and to continue to contact me by regular mail instead.
Consumer complaint received 2016-12-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Machol & Johannes, LLC (CO)

collection agency garnished my checking account and savings account. took all of my funds, and left me with a negative XXXX dollar balance so my next direct deposit will go to them leaving me no money for food, gas, utilities much less my mortgage payment. have XXXX dollars cash now, a week before XXXX which i will not be having this year.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

Please remove hard inquiries from in account, not all are applicable. I 've never had dealings with Equifax mortgage solutions, do not have mortgage nor do I need one. I dislike that this reporting lowers my credit score. Also, I do n't understand why my credit cards represent a negative. My history is clear ; I always pay my accounts in full monthly.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I was doing a annual credit report and saw that my credit report was already viewed on XXXX/XXXX/15 and could n't get a free credit score and report on Equifax. Todays date is XXXX/XXXX/15, I noticed that the credit report was viewed around the time my wallet was lost. It had my Driver 's license and my social security card. So I 'm almost certain that my identity is in danger.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

I have been working to repair my credit of which I have been having success. I had a Tax Lien ( with the tax Lien on my credit report, my credit status was XXXX ). I decided to go ahead and pay off this Lien because I was now in a better financial situation to do so. I was so happy the day I got the release letter from the tax board until I looked at the credit I was trying so hard to repair. My score fell to XXXX and remains there. I have asked the credit bureau to remove it since it has been satisfied, of course they would n't. 
I had better credit with the lien on my record, than now that I have paid it off. The tax board says they have nothing to do with this. Why are people being punished for trying to do the right thing. 
I would appreciate if you can help me in having this removed from my credit, I was in the process of purchasing a house and it was being quite successful until I paid off this bill and my score plummeted to XXXX. 
Please help me get this removed. I have enclosed my Tax release.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

There are a number of items on my credit report that have been closed pre consumer request, that i would like removed form my credit report due to the alloted time they have been closed. In addition to, some item that to do not belong due to fraud/ identity theft that should be removed from my credit report. Thank you in advance.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (MA)

So Experian has a massive data breach through XXXX, and I get to pay them, and the other XXXX XXXX, for the privilege of freezing my credit reports to minimize the damage they did to me through their incompetence. See anything wrong with this?
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CO)

On XXXX/XXXX/15, I contacted Experian to dispute two addresses that are n't mine that are showing on my credit report, and they refused to update. 

On XXXX/XXXX/15, I contacted Experian again to have the addresses removed, and they again refused to update. 

They areAddress ID - XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) and Address ID - XXXX ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) I live in Colorado. I expect them to remove inaccurate information that is not on either of my other two credit reports.
Consumer complaint received 2016-03-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (MD)

I went through the loan modification process with Flagstar bank and my modification was approved with my new mortgage amount. My agreement from Flagstar bank and signed by XXXX XXXX on XXXX XXXX, 2016 as a true and certified copy. Since my new agreement, I have been making my payments on-time and I still receive collection calls from the Flagstar XXXX XXXX at XXXX, today I have receive a call from XXXX. I have informed Flagstar 's employees XXXX that I have a new agreement in place, have made my payments and request the calls to cease but they have failed to do so. I have repeated ask if they kept notes in their system on the previous calls since it is " recorded for quality assurance '' and it is apparent to me that XXXX do not keep a log of the calls that they have made to me since I had my XXXX Modification Agreement XXXX signed and approved. This action by Flagstar is gross harassment when they call my cell and home phone. If I have any legal standing to take action against Flagstar and XXXX please advise me. Attached is the XXXX to support my position.
Consumer complaint received 2016-02-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (AR)

We lived in our home for 19 years. As everyone knows, the economy crashed and I lost my job/ business that I had owned for over 20 years. We could n't afford our home anymore and so we moved out. We tried renting it, selling it, we tried everything. Our lender -PNC Mortgage- suggested that we do a " deed in lieu of foreclosure " which we completed in XXXX of 2015. 
Each month since then we get a late notice collection letter that each month has new late charges, interest and fees on this loan that we do n't have anymore. We do n't own the home now. 
They are continually reminding us and hounding us with these notices. I call them each time and they tell me every time that our deed in lieu is complete and that my loan is in maintenance and to disregard the notices. But I keep getting them and this is a very emotional, hurtful harassing thing they keep doing, reminding us every month that we lost our home. We are starting over and trying to forget and get past this terrible time.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  XXXX / XXXX / XXXX .
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I have initiated XXXX separate disputes with Experian for XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and Experian has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

XXXX XXXX
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: CASHCALL, INC. (ID)

XXXX XXXX has called both cell phone and office phone twice over a debt I received relief from in bankruptcy. The have told me they were a fraud department and arrest was going to happen in XXXX days. The first time I spoke with them I explained that they were in violation of bankruptcy laws. They said they would remove my record. Less than a month later they have made harassing calls again. The number they are calling from is XXXX. It was only after I refuse to give them any personal information did they finally tell me what debt they were after.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (NC)

Last year my friend and I found out that Discover offered a matching bonus ( Double cash back ) program for opening a new DISCOVER IT card. Previously I had DISCOVER MORE card and I called customer service to swap my MORE card to IT card, and I was promised that I was qualified to earn the double cash back after my first XXXX bill cycle payments. Now after one year, I did n't receive my matching bonus but my friend did ( my friend also swap from MORE card to IT card ). Therefore, I called discover customer service to ask about this. The supervisor said that they do n't have any evidence shows that I enrolled in this program and they do n't keep the phone call record from last year so that they can not do any thing about it. However, I believe this is not a enrollment required program at that time and I called customer service to ensure I can receive the rewards since I swapped from another card to new card.
Consumer complaint received 2018-12-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MN)

" Granted '' a HELOC from CITIBank in XX/XX/XXXX, interest only for 10 years, ballooned in XX/XX/XXXX, started " Loan Modification '' in XX/XX/XXXX. After sending in the same information over and over again, requesting information not necessary, finally made it to Underwriting for the second time only to be denied a " Loan Modification '', they now have me over {$18000.00} past due and was told to bring my account current or do a short sale! I was " Granted '' this loan with a picture of my property taken out of a car window in the dead of winter and I spoke with NO ONE regarding questions on the house, if they would have spoken to me they would know that it was started in XX/XX/XXXX, added on to 5 times, has no conforming sewer and a sandpoint for water, thus I was told that I have too much equity to qualify for a loan modification!
Consumer complaint received 2015-04-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Patenaude & Felix A Professional Corporation (AZ)

Law Firm Patenaude & Felix keep harassing me with calls to me, my mom, and now my work. This is for a debt that is not mine or one that I do not recognize. Regardless, they are in violation of credit collection laws and my privacy to be contacting family and my work!
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NJ)

Case # XXXX-Update I wanted to add more detail to my response to MT Bank response : -XXXX-check received by MT Bank with letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT. Check was mailed back. 
XXXX XXXX - overnighted check - letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT. 
-XXXX - Postal tracking confirmed MT received the check. Spoke with XXXX at MT-she confirmed that this payoff needed to be processed AND informed me that SHE was immediately reaching out to the attorneys so that house did not go to sheriff sale. Two days later house listed for sale. 
Payment not processed- check mailed back AGAIN- different story every time MT Bank is called. 
-Spoke with Attorneys- Overnighted the same check on XXXX/XXXX/16. It is now XXXX/XXXX/16 and account is still not paid off. 
-M T Bank has had the first two insurance checks since XXXX. 
So there response that they can not waive fees is not only ridiculous but should be illegal. There should be notes all over the account at MT of all the discussions. The time spent on phone calls ( which were usually hour or so long ) is frustrating and stressful. How do they get away with treating consumers like this. There should be a class action brought against M T Bank-reading other consumer complaints on the consumer protection bureau about this same treatment makes me wonder how many consumers were charged more then they should of been or worse yet lost there homes.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

Experian asks a user to input a credit card and teases that it will provide credit reports for {$1.00}. This is deceptive, because it is actually billing a monthly credit monitoring service that costs {$21.00} if not cancelled within 7 days. Beyond this, Experian displays all XXXX credit reports and the user can click on these. Experian charges the credit card on file a one-time fee of {$39.00} for accessing another credit report. There is no disclosure that this amount will be charged, either before or after clickthrough on the displayed credit reports. The user interface is deceptive and looks like these are free products provided with the {$1.00} service. I disputed this with Experian and obtained a refund of the charges to my credit card, but I am concerned about other users being misled. Experian should provide a disclosure that there will be a {$39.00} charge before allowing users to clickthrough and access other credit reports. There should be a more visible disclosure that the {$1.00} charge is actually a signup for the monthly credit monitoring service.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I have om going disputed with Experian cresdit monitoring since XX/XX/XXXX, about company call XXXX XXXX XXXX this is Number XXXX. This finance services work with XXXX ; this company do not have license to operate since XX/XX/XXXX. I got proof letter from XXXX XXXX XXXX XXXX CA department of consumer affair. My case number XXXX and this there phone number XXXX have got a lot of denied credit because of this. The credit bureau taking side XXXX. 
Sent from my iPhone
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

I have taken the liberty of compiling all of the credit card and credit limits that have been affected due to Synchrony Bank 's harsh and detrimental behavior. The credit cards are as follo w  s : 1.   TJ Maxx/Marshalls  XXXX   XXXX   XXXX   XXXX , card ending in  XXXX , {$2400.00} limit - closed completely in  XXXX  without explanation and had a {$0.00} balance, open since  XXXX , never late 2.  XXXX , card ending in  XXXX , {$6000.00} limit - lowered to {$100.00} and had a {$0.00} balance when lowered without explanation, open since  XXXX , never la te 3 .   XXXX   XXXX    XXXX , card ending in  XXXX , {$5000.00} limit - lowered to {$630.00} and had a {$200.00} balance when lowered without explanation, open since  XXXX , neve r late 4. Walmart,  card ending in  XXXX , {$1200.00} limit - lowered to {$100.00} and had a {$0.00} balance when lowered, just recently closed  XXXX / XXXX / XXXX  without explanation, open since  XXXX , never  la  te 5. Amazon   Prime, card  ending in  XXXX , {$2500.00} limit - lowered to {$100.00} and had a credit of {$140.00} when lowered without explanation, open since  XXXX , nev er late 6.   XXXX   XXXX   XXXX   XXXX  , card ending in  XXXX , {$3500.00} limit - lowered to {$1500.00} and had a balance of {$1200.00} when lowered without explanation, open since  XXXX , never  late 7.  Care Credit, card ending in  XXXX , {$3900.00} limit - lowered to {$2900.00} and had a {$0.00} balance when lowered, just recently closed on  XXXX  without explanation and open since  XXXX , never  late Total affec ted amounts : {$24000.0 0} New limit totals :  {$2300.00} Now you can clearly see why I am upset and am boycotting these stores. This entire situation has impacted my credit negatively. Synchrony Bank not once reached out to me during their credit lowering and closing process.     Thank you again,  XXXX
Consumer complaint received 2017-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

This was an emergency room visit for my daughter At  XXXX   XXXX  medical center of  XXXX  Illinois. The date was  XXXX   XXXX    XXXX  . At the time of the visit I presented them with my daughters medical card, and then several months later I was contacted saying I owed them this money because they did n't handle things in the proper manner or something. I informed them this was their mistake and not mine to which they gave me a ridiculous list of actions that I needed to take for their mistakes. I informed them that due to the time lapse the medical card program was probably not going to pick up the bill now, and since then I have heard nothing from them and I had assumed they got everything straightened out, that is until I ran my credit report today and found out I was still in collections for it. I fail to see how their negligence should be something I have to pay for both literally and metaphorically speaking. Especially considering the reason I applied for the medical card for my daughter because I could not afford to provide her with the proper medical treatments myself.
Consumer complaint received 2016-04-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

ProCollect Inc, located at XXXX XXXX XXXX # XXXX, XXXX, TX. XXXX reported several collections items on my credit from XXXX XXXX, 2014 to XXXX XXXX, 2014 when payments were already made. The account is still there causing me loss of opportunities.
Consumer complaint received 2016-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

a couple of days before XX/XX/2015, I rceived a phone call by someone asking me to pay a debt for an unrecognised source. I asked them to send me the information to my house and provided the home address. They said they will send it to the collection agency. I said I am ok with that since I have no idea what they were talking about. Today I received the letter and it is by ProCollect Incorporated in XXXX, Texas. I called the number they provided but one operator answers and forwarded me to no answer. The name of the creditor is XXXX XXXX XXXX. I never lived in these apartments. As I saw and reserached online that creditor I understood immediately that : 1 ) they contacted the wrong person or 2 ) it is a fraud I would like to stop this and I was forwarded to this site by the ftc customer service.