davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VELO LAW OFFICE (MI)

I contacted Velo law today multiple times after finding their information on my credit report. I was hung up on 5 times for not wanting to verify my social security number. While I was on the phone with them my friend said they already talked with her, called her my spouse, and tried to get payment. When I was connected with someone else who used other information for verification I explained they tried sending mail to a rehab treatment center and for obvious reasons the treatment center didn't allow that. I also explained that I should have never received a bill, XXXX XXXX XXXX XXXX under XX/XX/XXXX XXXX XXXX XXXX. They have placed me on a do no communicate list and said if I want any information I need to write them. I'd rather go in person because of XXXX. I told them sending a letter is difficult without some type of assistance and they hung up on me again. Everyone with the company calls themselves XXXX but they demand first and last name, address, and date of birth. There is no way to make a complaint and they recommend getting a lawyer.
Consumer complaint received 2018-09-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (FL)

Student loan debt was paid in full over two years ago and states paid off on credit reports. I do not owe this company for a student loan that has been paid off in full. False representation and fraudly trying to collect money. I contacted company and they state debt still owed but that in incorrect.
Consumer complaint received 2021-02-10
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. (GA)

These accounts are inaccurately reporting that I was late on my credit file : 1. XXXX XXXX ( Opened : XXXX XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

2. XXXX XXXX ( Opened : XX/XX/XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

3. XXXXXXXX XXXX - is incorrectly reporting that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX and XXXX & XX/XX/XXXX ; please send me proof that this information is accurate. 

4. XXXX XXXX XXXX XXXX is incorrectly reporting that I was 30 days late XXXX XXXX ; please send me proof that this information is accurate. 

5. XXXX XXXX - is incorrectly reporting that I was 120 & 180 days late from XX/XX/XXXX - XX/XX/XXXX ; please send me proof that this information is accurate. 

6. Incorrect Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There is one account that is reporting on my credit file that does not belong to me : 1. XXXX XXXX XXXX - XXXX  XXXX XXXX
Consumer complaint received 2020-07-07
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: Penn Credit Corporation (NJ)

I have a account with XXXX  and this company sold it to 2 different agencies and now they both charging and showing on my CR. I called all of them they not helping me. Keep saying dispute one and nothing happen. Please help
Consumer complaint received 2020-07-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANNER CORPORATION (OR)

I have been steadily making extra payments towards the principal balance in my loan since I moved into my home in XXXX of this year. Starting 2 months ago, I have been unable to make those additional payments online and have had to call the bank and chat online and go through an extremely lengthy process to do so. Every single time XXXX chat online or talk to someone over the phone Im told theres an issue that is being worked on on the online platform. I also am getting conflicting information on payment towards my principal : some workers tell me making a general extra payment will automatically go towards my principal, some have told me its not possible to do it over the phone, some have said it is possible, and some have told me that the simple bug online will be fixed soon. I believe my account has been flagged because I have been paying thousands of dollars extra a month on my principal balance, which means less interest made on my account. The last straw was when I called a few days ago only to be told that I couldnt make the extra {$2000.00} payment on the phone, and to make a general payment online and it would automatically be applied to my principal. I knew for a fact it could be done over the phone ( I did it last month ) but I didnt feel like arguing. I made the payment, and It did not pay down my principal. It was recorded as a regular monthly payment and did not reduce my principal by {$2000.00} like I asked. I got confirmation from the employee that it would. This is the most ridiculous thing but I do believe it needs to be investigated. Thank you.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (RI)

Nationstar misstated to CFPB the process and corrective action Nationstar took in addressing the errors in my mortgage account. ( see attached letter ). 

On XX/XX/XXXX, I made a payment of {$3300.00} one week prior to the payment due date. The escrow calculation had changed from {$1400.00} to {$1600.00}. Nationstar provided no explanation for why the escrow calculation inexplicably changed in XXXX, XXXX. Again, inexplicably, Nationstar changed the escrow calculation back to {$1400.00} in XX/XX/XXXX. 

Secondly, XX/XX/XXXX I made two payments of {$3500.00} on the same date for a total of XXXX. One of those payments should have been credited to the principle balance after the other check paid interest and escrow. Instead Nationstar treated the two payments same. Each check was deposited as if it paid principle, interest and escrow resulting in double payment of interest and escrow on XX/XX/XXXX. 

Nationstar provided no evidence that the escrow account reflected these double payments. Nationstar should have reduced the balance remaining by {$3500.00} using the second payment check but did not. 

In XX/XX/XXXX, Nationstar screwed up the second payment for the escrow account by depositing the payment as a mortgage payment and had to reverse the payment for deposit into the escrow account. 

I am now requesting a full refund of the extra {$3500.00} paid in XXXX that was not recorded correctly nor accounted for in the payment schedule as a reduction in principle. Nationstar overstated my remaining balance when paying off the mortgage to XXXX XXXX. 

Nationstar miscalculated interest and escrow XX/XX/XXXX and therefore miscalculated the balance resulting in an overstatement of the {$3100.00}. This amount should be returned to me immediately with interest. The adjustments on XX/XX/XXXX of {$140.00} and {$200.00} also reflect that the payment in XX/XX/XXXX was sufficient to cover the mortgage due did not constitute a late payment of insufficient payment given those adjustments were not derived from other monthly mortgage payments. ( see attached supporting documentation )
Consumer complaint received 2020-11-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

Citi will not give me access to my money. I have $ XXXX deposited for over a month. I tried to wire it to an external account of mine. During the wire- the process required me to input a code that was sent to my mobile- I did that and the transaction was confirmed. Later- I was called by a representative- trying to confirm my identity. She sent another code to the mobile associated with my account- which I read back to her. I just recieved a note from Citi- notifying me that my wire has been cancelled. This can not be legal??
Consumer complaint received 2021-02-23
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. (FL)

Its ridiculous! I do not know what to do ... I sent couple of letters already but I am ignored. I believe I am identity theft victim because I do not recognize accounts in my credit report. They are simply not mine but because of the bad reporting or so, these items just destroyed my credit report!!! I am a XXXX XXXX XXXX and we go through difficult times now, but because of this problem I can not rely on any help from the bank. Please can you remove these accounts and inquires that I have never authorized from my profile. These accounts are nor mine and its pure identity theft.
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

On XX/XX/XXXX, my Bankruptcy Plan was approved by the judge. However, have been making payments to servicer since XXXX. See case no. XXXX District of Florida XXXX. 

Although i have been making payments since XXXX and not in default, XXXX has not dismissed the foreclosure action in the state court for XXXX County,  Florida. Court Case No. XXXX. XXXX can not maintain the legal action when the debtor is making timely payments and the servicer is receiving payment and applying to the account on an monthly basis. The servicer must dismissed the legal action because the account is current prior to and after the approved Chapter XXXX plan, signed by judge. Again, XXXX CAN NOT MAINTAIN A LEGAL ACTION WHEN THE ACCOUNT IS BEING PAID IN A TIMELY MANNER AND NOT IN IMMINENT DEFAULT. GET IT?
Consumer complaint received 2020-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (PA)

This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX, XXXX.. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. Please provide validation for the following accounts as listed on my credit reports : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. If you can not provide me the proper validation remove off my credit reports immediately.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

I am a victim of identity theft and I have never had any type of credit cards with Discover Bank. I am requesting for Discover Bank to remove and delete this fraudulent account from my XXXX and XXXX credit report immediately or legal actions will be taken. 

1. Discover Bank Account # : XXXX I have attached correspondence from your company stating for the credit bureaus to delete and remove this fraudulent account from its system. Why is Discover, XXXX and XXXX violating my rights? 

I have attached a copy of my police report, Discover letter as well as a copy of FTC report for Discover Financial Services to remove and delete this fraudulent account from its system as well as my XXXX  and XXXX credit report.
Consumer complaint received 2020-11-22
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: Home Loan Center, Inc. (NC)

Lending Tree website provided an icon that I believed, would give me " information only '' on an auto refinance with XXXX XXXX XXXX. Lending Tree gave no disclosure that by clicking on the icon a credit report would be generated to XXXX XXXX XXXX and an application, you never saw or approved of, a " ghost application '', would be generated. Lending Tree gave no disclosure that this application would continue to be moved along to other lenders, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, who each would make a credit inquiry. It is unknown how many lenders were notified or could have potentially dinged my credit report with an inquiry. There is no end to how many lenders could do it this way. I never applied for a refinance with XXXX XXXX XXXX. The other lenders involved have no failsafe method to verify if the application they received was legitimate. They simply trust XXXX XXXX XXXX to send them a legitimate and valid application. XXXX XXXX of XXXX XXXX XXXX admitted to me in an email that once the icon is clicked it " automatically '' produces an inquiry. XXXX XXXX XXXX also has no failsafe method of blocking a credit inquiry if all the consumer was looking for was information. This is " application harvesting '' and needs to be stopped. Only XXXX XXXX responded to my complaint, but they don't understand the issue involved. They dont understand there is a moment in time between when they receive the application to when they make the credit inquiry where they could act to verify if the application is legitimate. I am dealing with four inquiries on my credit record for a refinance I never applied for. The Credit Reporting Agencies have told me they have no way to remove inquiries for a loan application that was never made. I'm stuck with these inquiries for two years.
Consumer complaint received 2018-09-18
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: CITIBANK, N.A. (CA)

I have lodged disputes with XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer  Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Consumer complaint received 2018-09-18
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)

I was never late on my XXXX. I always paid on time. I never had a XXXX XXXX account, XXXX XXXX card is not mines, XXXX is not mines, XXXX mail dated XX/XX/XXXX I never had this account please removeand the 3 accounts below. Please help me. These are not mines they need to be removed from my credit XXXX bless XXXX XXXX  Act. # XXXX {$1200.00} Past Due XX/XX/XXXX Opened {$1200.00} High Balance {$1200.00} Creditor Contact : Not Available XXXX XXXX # XXXX {$520.00} Past Due XX/XX/XXXX Opened {$520.00} XXXX Act. # XXXX 30 Days Late 12.01.2017 Opened {$540.00} High Balance {$0.00}
Consumer complaint received 2020-09-06
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: EQUIFAX, INC. (TX)

I have called and written Equifax several times regarding the inquires on my credit profile which are : XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have no open accounts with these companies and Equifax refuse to updated this inaccurate information on my credit profile.
Consumer complaint received 2020-11-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (FL)

XXXX XXXX XX/XX/2017 Act. # XXXX {$6700.00} There is also a collection agency by the name of " MRS BPO LLC '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.
Consumer complaint received 2020-07-06
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. (MA)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (NJ)

Signing up to XXXX and I am not able to link my bank account so that I may add funds to my account to begin investing. When trying to do so, the XXXX XXXX informed me that PNC was not allowing this to happen.
Consumer complaint received 2020-05-22
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: EQUIFAX, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX   XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TN)

We have a mortgage with Midland Mortgage. Three years ago ( XXXX ) my husband was on FMLA and we began getting behind, he got back to work and a garnishment ( we did not know about garnishment it was sent to XXXX and we live in XXXX ), we contacted Midland to ask for a loan modification or refinance. They suggested loan modification. We filled out all requested paperwork, application, and submitted all documentation. We were told 15-30 days we would know something. Every week or so, we would get a call or email stating they did not receive this documentation or that documentation, so we would send again. Then with in a week or so, another request for a piece of documentation they didn't get. This would go on until all documents previously submitted were out of date and we would have to start the application all over again. This has been going on since last part of XXXX. Last time they could not read a date, I spoke with someone in the foreclosure department and they stated they had all required documents ( XX/XX/XXXX ) and a decision would be made within two weeks. I just received an email stating all documents had expired! I believe this is the third time on one application that this has happened! 
We called on XX/XX/XXXX and were told they had all they needed and should be reaching a decision soon. On XX/XX/XXXX, I receive an email stating that all documents had expired! 
We continue to make payments and they are charging late fees and having us jump thru hoops! PLEASE HELP!
Consumer complaint received 2021-02-23
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: STERLING JEWELERS, INC. (NY)

I have written XXXX XXXX XXXX XXXX letters to Kay Jewelers regarding their reporting of a fraudulent Kay Jewelers account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX XXXX XXXX XXXXXXXX credit reports. The only communication that I have received from Kay Jewelers was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Kay Jewelers.