davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ATG Credit, LLC (IL)

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
Consumer complaint received 2020-05-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX, XXXX filed an Affidavit in a court case in XXXX County, Florida, that states my note and mortgage DO NOT incorporate XXXX Servicer Guidelines. ( My Loan Servicer is  Nationstar d/b/a Mr. Cooper ). This Affidavit was filed to prove XXXX has no obligation to honor Hurricane Irma Assistance protocols that are outlined in their Servicer Guidelines, as I have demanded they do. 

However, a year earlier, on XX/XX/XXXX, in another Court Hearing in XXXX County, XXXX Counsel had insisted there had been no protocol breaches because the Servicer Guidelines say so, and attached two pages from a Servicer Guideline to support that position. They used the very same Guidelines that they claim a year later are not even applicable to my mortgage, completely contradicting themselves in doing so. Obviously, both positions can not be true at the same time. 

This could easily be considered as Perjury, and is going to be addressed in Court. 

I ask CFPB to issue a finding of fault in this matter, and sanction XXXX and their Loan Servicer, Mr. Cooper for this dishonest and prejudicial action.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I have attached 3 FTC reports in which these accounts are not mine, severely outdated in which its later that what the FCRA allows, addresses are not mine, and inquiries in which I did not allow.
Consumer complaint received 2020-05-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NE)

I have an CD with Citibank for years. We usually receive a letter at the end of maturity term that I have 7 days to take action else it will auto renew. We thought to continually keep it on CD so that it auto renews. 

Now, we have received a letter asking us to take action on CD to renew or withdraw. When I call the customer care, the customer care supervisor was very rude and states that my account has become inactive and if it does it automatically goes to state. To the record, I have been very active and all my direct deposit and my credit card is with the same bank and the CD is being tied to the same account as well. In addition, I see the interest income has been added to the CD for transaction. I don't understand how a CD will become inactive with no transaction while the entire purpose is to keep the CD for interest at maturity. I have called in couple of times and wrote a letter as well but no luck and no intent has been taken by any of the customer care executives nor the supervisor to help me when I really want the money. Lastly, they keep saying that they have sent me many letters but i have not responded. I have not responded because it says it auto renews and no action necessary. 

I am still trying my best but no luck so far!
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BROKER SOLUTIONS, INC. (CA)

Hello, I checked my credit score and received inquires on my account that I did not receive any credit card or morgagte or anything from these places I checked and seen all inquires have been on my account which is hurting my score and I have not received the product and did not hand sign a application.
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

on XX/XX/2020 spoke with XXXX, Refused to provide collector ID, Also called me another persons name from another account she was on while she was speaking with me, she also than proceeded to tell me that she had 3 people on the line as she verified the account info, I asked for a Verification of Debt letter, She refused to send me one, said that one had been sent, she read me the address they had on file, I advise that was not my information, she than rudely placed me on hold and transferred me to a supervisor who was ever ruder.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

LoanDepot was grossly negligent in their handling of my refinance application. I refinanced my LoanDepot loan with a 3.6 % interest rate, for a new LoanDepot loan at a lower interest rate. Given that I was refinancing my loan with the same company, I would've expected the process to go smoothly. I provided all documents needed to refi within a few days of starting the process and paid for the appraisal. The entire process took 5 months when it shouldn't have exceeded 30 days. In addition, their negligence cost me an additional mortgage payment of over {$3600.00}. By contract they were supposed to fund the loan on XX/XX/2020, they did not fund until XX/XX/2020. XX/XX/XXXX was my deadline to pay that month 's mortgage payment. 

When I reached out to my loan officer XXXX XXXX, he informed me that since my last payment exceeded the amount of the loan, it would be reimbursed to me. The title company sent my a check for only about {$1600.00} ( {$600.00} of that was already slated to be my cash at closing ), so about {$1000.00} was added in addition. There is an additional {$2600.00} that is missing. 

In addition, I was charged about {$600.00} for an appraisal that never took place in person. The appraiser never inspected my property. Therefore I should've been charged less. 

My first experience with LoanDepot went well, but this last experience was a nightmare. Their staff did not communicate well. They were unavailable, and as of late, are completely ignoring my communication.
Consumer complaint received 2020-05-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (MA)

Hello I made a transfer with the company Remitly on the XXXX of XX/XX/2020. The transfer amount was of {$2000.00} to transfer to XXXX and receive R {$10000.00}. The transfer was to arrive on the XXXX of XXXX. I received an email saying it was being delayed for some technical reason on the XXXX. Then I received another email 20 mins after that one saying the funds had been successfully been sent to my bank in XXXX and they would be available at XXXX XXXX  EDT. Its been over 3 days and they funds have been delivered to my account in XXXX. The only way to contact them is through a chat on their site and I have tried the chat twice and every time they say to wait a few more days. The last time I was on the chat was today Friday the XXXX of XXXX and someone told me to give them time that it would be resolved as soon as possible and that they are having technical issues. I don't think thats a good response with no information at all just to wait that they would resolve it as soon as possible. They have shut off all phone and email communication and they people at the chat give you no useful information. I am afraid to lose my money.
Consumer complaint received 2018-03-19
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)

XXXXXXXX XXXX was paid but the account is still reporting as late and in collection disputed this multiply time but hasnt gotten any verified information as to why this is so.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: JPMORGAN CHASE & CO. (WA)

My credit card was declined and no reason given. I contacted the company. They advised me that nothing was wrong with my credit card account, and that I should try again. I did so and was again declined. I contacted the company again and they said, well actually we don't service that account anymore. " We transferred it to XXXX XXXX. '' They advised me to call XXXX XXXX I did so and was told that they don't have an account that was transferred. I have called several times. Now Chase insists that I never had an account with them. I saved one of my statements and will attach it here.
Consumer complaint received 2020-05-01
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: CITIBANK, N.A. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2020-05-01
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: SYNCHRONY FINANCIAL (FL)

Synchrony/TJ Maxx lied to me when they upgraded my store credit card to the Mastercard version back in XXXX by telling me that my payment, account history and opening date would transfer from the store card to the new account. That was not the case since the old account was still open and the new one was showing an opening date of XX/XX/2020 and not reflecting an updated balance. I called them on the XXXX to rectify this situation and the person I spoke with assured me the old account will be updated as closed and all my account history including account opening date will be transferred to the MasterCard account and my balance updated, and that I will receive a letter explaining this as well. I called again on the XXXX to confirm what the first person said, and I was told that was the case. Then today XX/XX/XXXX1st I checked my credit report and the old account is now showing as closed but the new account is having the updated balance but none of the account history from the old account was transferred to the Mastercard account. I called again and requested a manager. I spoke with " XXXX '' who was apologetic about the misinformation but she said what the other two people informed was incorrect. That once you accept the upgrade it is a brand new account and no account history will be transferred to it. That was not informed to me at any point and the two agents I spoke with provided me misinformation. I then asked " XXXX '' to please revert to my old account and close the Mastercard and she said that is not possible. Basically I was lied twice and they could not care less.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

1. XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX was paid-in-full {$5700.00} as defined by the Bankruptcy Trustee.

2. XXXX can not agree that the account is paid-in-full and also claim a charge-off, ( see attached XXXX correspondence dated XX/XX/XXXX ). Amount paid to XXXX was made by the Bankruptcy Trustee not me.

3. XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. This account is closed so how can the account be in a Payment Plan? 
4. XXXX is reporting the account as Account has been closed due to inactivity. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record ). 
6. It is not XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Goodman Frost, PLLC (MI)

This complaint is against XXXX XXXX and Goodman Frost , PLLC. 

I never received any form of communications from XXXX XXXX regarding this alleged debt but was informed from XXXX XXXX that they had turned it over to the law firm Goodman Frost , PLLC which is in XXXX, Michigan and I was told by XXXX XXXX to contact them to settle the debt. The first I heard of XXXX XXXX was when I contacted the original creditor to negotiate a settlement of the bill on XX/XX/2018. I was told by XXXX XXXX XXXX, XXXX, the original creditor, to contact them regarding settling the bill. I was served the summons and complaint on XX/XX/2018. The summons was not served in a timely manner. The summons was issued on XX/XX/2018, the complaint was dated XX/XX/2018. My address has been the same for more than 3 years and my phone number has been the same for more than 10 years. When I contacted XXXX XXXX law firm, I spoke to a woman named XXXX. Per my phone conversation with XXXX, I requested a settlement amount of {$260.00}. She stated the firm did not have authorization from their client, XXXX XXXX, to settle. This does not sound truthful since they had been given the right to file a lawsuit against me. She was offended and spoke rudely to me when I asked why a {$530.00} alleged debt was being increased to {$560.00} and accused me of " going around and around '' with her, per our conversation. XXXX finally stated it was a {$35.00} filing fee. I went to XXXX XXXX XXXX 's website, it stated that the filing fee was {$25.00} for suits {$600.00} or less. She said she would send me paperwork to sign stating I would pay {$560.00} in monthly payments of {$47.00}. When I received the paperwork, " Conditional Order of Dismissal, '' on XX/XX/2018, the amount had gone up again to {$590.00}, an increase of {$28.00} and stated in this court document that it this was the agreement between the firm and myself, which is not true. XXXX XXXX is not dealing in reasonably or in good faith with me regarding the payment of this alleged debt. There have been no award of fees of any kind ordered by the court in this matter and at this present time, there is no court date for the lawsuit. 
XXXX XXXX did not give me any opportunity to verify the debt, settle the alleged debt, or deny owing the alleged debt. I do have the documentation that I can and will attach it to this complaint. 
I believe there has been several violations of the Fair Debt Collection Practices Act because I received no notification from XXXX XXXX and because the amount of the alleged {$530.00} debt is continuing to increase.
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (NJ)

On XX/XX/XXXX, one day before my payment was due, I called Westlake Financial Services to see what options they had available to consumers due to the Covid-19 Crisis. I was told they had nothing available to help me. However, the representative said I could give them my bank account information and he could then arrange to have it paid automatically on XX/XX/XXXX. As this was my only option, I called back to have it arranged, and was informed that since I didn't make the payment on XX/XX/XXXX, the due date, I would be charged late fees. The lady said I may be able to call back and have them removed later due to Covid 19. 

Although I keep hearing that creditors can help you during this time, and all my other debtors are more than willing to offer help, I have found Westlake to be totally unhelpful. The reps I have spoken to sound like they don't even know about the crisis. 

I am a XXXX  XXXX who is recently unemployed due to the crisis. Since there are 24 million people now filing, my claim for unemployment is backed up. For this reason, I am not certain that I will be able to make this payment right away, and I need Westlake Financial to work with me. Thank you.
Consumer complaint received 2020-05-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fay Servicing, LLC (CA)

Fay Servicing , LLC will not provide information as to policies and procedures for deferment or forbearance relating to mortgages. 

On XX/XX/2020, fay servicing was contacted so that we could obtain policies and procedures as to deferment/forbearance because of the effect of the covid 19 lockdown. 

we were sent an email with questions as to why we needed the deferment/forbearance. 
the questions were answered and forwarded to 4 representatives of Fay Servicing. 

It has now been three weeks, and we have gotten no information as to deferment or forbearance.
Consumer complaint received 2020-06-24
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: U.S. BANCORP (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo mortgage Transferred my loan with out my knowledge, after having my loan for 13 years. With the mortgage I had a free bank account. that I'm loosing because of the transfer. Now before hand, I was one of the MERS. ( Mortgage Electronic Registration System ) Account holders. That lead into a mess of Fraud taking  place with mortgage paperwork. Anything that has fraud in any legal doc, should be obsolete. My lawyer looked into this matter and told me that they're are other matters of fruad going on with my mortgage that Wells Fargo implemented to me. Even though they forced me to get 3 months behind in 2014 to get a modification, they told me that's the only way to bring down my payments & rate. I realize most importantly for me to resign the new paperwork to make it legit, because they got caught. This was years later from the original signing. The first package they send me was the resign modification docs. I have every Doc from the beginning, also recordings of our conversation on Voice Memos. Ive been getting the run around for almost two months now. XXXX XXXX letters with one page in them telling me the same thing. 

We want to make every effort to fully address all of your concerns and provide you with a thorough response. Seems like they just have a following up schedule to say they spoke or send a letter.
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

Per Letter ( attached ) dated XX/XX/20, credit was updated as of XXXX XXXX regarding no deliquencies. My credit has not changed otherwise and my score is down significantly since this happened. I am being reported 60 days late to the credit bureaus still for the month of XXXX, which is after the servicing period and reported after you XXXX letter ( assuming it was reported in XXXX XXXX. Per my most recent credit report, instead of reporting pays_as_agreed, XXXX  is reporting : Account Status NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE XXXX  is reporting me current in XXXX, and 60 Days late in XXXX, which would have been reported after the XX/XX/XXXX letter. XXXX  is reporting & gt ; Account 60 Days Past Due Date & lt ; I don't have access to XXXX, but expect that their information is erroneous as are the others. Transunion credit timed out while I was writing this and unfortunately don't have the report, but the language above was copied from their site and I have printed and marked the other 2 reports.