davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

We recently had insurance unjustly forced on us by Everhome Mtg. We had provided proof of insurance in a timely manner plus XXXX more times after that, because of XXXX subsequent threatening letters from Everhome Mtg., advising that they had no proof of insurance, and, that they were proceeding with the forced insurance. After an exhaustive effort, we finally compelled them to remove this unjust instrument. Our XXXX insurance agent advised us that Everhome Mtg. admitted to receiving all of her prior email/faxes documentations ( the cover letters I attached below ). The problem we have is that this happens every year. I discussed this issue with Everhome 's " escalation '' department. She advised that they have no supervisors or quality control. Her recommendation was to just to " keep calling '' until they acknowledge our proof of insurance. Since the employee I talked to has no record of the problem, it is unlikely to be solved between them and me alone.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OH)

Under the Fair Credit Reporting Act, Experian must remove XXXX late pay status on my credit report as it has exceed 7+ years. Those are XXXX XXXX - 60 Day Late for XXXX XXXX account number ending # XXXX for XXXX XXXX ; XXXX XXXX Dept Store/XXXX XXXX - XXXX late for XXXX XXXX account # XXXX ; XXXX XXXX Bank - 30 Day late for XXXX XXXX account # *******************. My street address is XXXX XXXX XXXX, XXXX Ohio XXXX with SS # *********** and phone XXXX. I have repeatedly send correspondence over the past two year to both creditors and Experian who continues to ignore, send frivolous responses or works in collusion with each other to keep these deliquent status on my credit report -- I want them removed by law.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

I 've repeatedly reported to Experian that people are applying for credit in my name. I continue getting alerts that my credit file is being accessed. I recently received notification of inquiries I did n't authorize from XXXX XXXX XXXX, 2017 & XXXX XXXX XXXX, 2017. These are fraudulent inquiries that must be removed by law.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Northland Group Inc (CA)

I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Consumer complaint received 2016-09-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (IL)

XXXX XXXX XXXX, XXXX. began sending me this bill in approximately 2011. My husband has a mortgage with same. However, I have not ever, nor do I now have an account with XXXX XXXX. I have ignored the bill until news broke recently that the bank was opening credit cards in the names of people without their consent. 

That is when I realized I could possibly be one of the victims. 

To the best of my knowledge, this bill has now been turned over to Northland Group , Inc. and they are now still trying to collect an amount I do not owe. As well, it is now a blemish on my credit report.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MD)

I have several issues with Experian. See below : 1. The following XXXX bankruptcy accounts appearing on my file were previously removed in XX/XX/XXXX due to my credit file being mixed with another individual and not belonging to me. The Bankruptcy case # 's are XXXX and XXXX. As of XX/XX/XXXX they were re-inserted back onto my file. In addition, there were several other accounts that were not mine, XXXX, acct # XXXX, XXXX acct # XXXX, XXXX, acct # XXXX, and XXXX, acct # XXXX. All of these accounts belong to whomever my file is mixed with, they are not my accounts. I asked Experian to provide me with the documentation received from the creditors identifying that these accounts in fact belong to me which would be my ENTIRE social security number, address and DOB. I was informed by XXXX whom I spoke with today, ( XX/XX/XXXX ) that I would need to contact the creditors to obtain this information. I would like for Experian to provide me with a copy of the documentation proofing that the accounts in fact belong to me or remove them from my file immediately.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX Adjustment B Account Number Num : XXXX Balance {$2800.00} Dear XXXX, I am writing in regards Adjustment B account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I am an XXXX with XXXX properties in XXXX FL. XX/XX/XXXX I received a bill for {$28.00}, which I immediately paid via online banking on XXXX/XXXX/XXXX. In checking my credit report XX/XX/XXXX/XX/XX/XXXX, I found an unknown charge from a company for {$36.00}. In calling the company, they advised me that they were contracted by XXXX XXXX. I called XXXX XXXX, as I knew I had paid them. It was at this time that they advised me that they received my payment XX/XX/XXXX, but they did not know where to apply it. Please note, I only have XXXX accounts with them in XXXX FL. When I asked them why they did n't bother to phone, they did not have an answer. They told me that I would have to deal with the Collection Company. I called back. I explained the entire situation. I heard nothing back, so I checked my Credit Report again and the {$28.00} was credited, leaving a balance of {$7.00}. I called back to the Collection Company. I spoke with XXXX on XXXX/XXXX/XXXX, who informed me that they are contracted to do the final bill with XXXX XXXX. I asked her how I can pay the balance and have this removed off of my credit report due to the circumstances. She could not help me. I asked for someone " above her '' to call. On XXXX/XXXX/XXXX, XXXX XXXX, VP of Operations phoned. I went through the entire story again. I informed him that I DID NOT RECEIVE ANY NOTICES IN THE MAIL FROM THEM. He verified that the last mailing that was going to the same address as the previous XXXX was, in fact, returned to them. He refused to help me, so I asked to speak to someone above him. He informed me that " he is it. '' He said that the President of Operations does not speak to the public. He will not remove the account from my credit report, even though XXXX XXXX received the payment and did not bill me for the balance due. Neither XXXX XXXX or XXXX XXXX ever called me regarding the initial payment made in XXXX of XXXX or notices that were supposedly sent. This was verified by the account. I want the account removed immediately from my credit report, as XXXX XXXX dropped the ball and XXXX refuses to cooperate!
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

My Credit Score for Equifax XX/XX/XXXX was XXXX. My Current Credit score is XXXX. My wife 's current credit score is XXXX. For XXXX my Credit Score is XXXX. My Score XX/XX/XXXX was XXXX. My wife 's current credit score is XXXX. We have EXACTLY the same items on our Credit reports, my report took a huge nose dive from XX/XX/XXXX to XX/XX/XXXX. The only difference between the two months is XXXX extra credit card, that 's neither delinquent nor is there a balance on it. I less than XXXX % credit card utilization, and I 've never missed a payment on anything. I ca n't get anyone to explain it to me either. This is costing me a lot of money. You should be able to just ask why scores are the way they are, rather than have this cloak and dagger! I need someone from both to explain what is going on, and why. 

FYI, I put down Information is not mine because that 's the only thing that even came close.
Consumer complaint received 2015-10-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (CA)

Creditor 's representatives gave me incorrect information regarding " filing a dispute ''. If Creditor 's representative did n't mislead me, I would not have a balance on the account. I would have disputed a {$5000.00} charge and it would n't be on my credit
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (UT)

For the past several months, I have contacted Discover card via online chat, disputing the fact that my statement does not provide me with complete or full disclosure as to how my payments, including additional payments, are being applied towards my account. It also does not provide ACTUAL current balances still owed, as well as when my promotional interest free period expires. I have attempted to get Discover to provide this information on my statement on XXXX several occasions. I am told, this is general industry practice, and they are well within the law. I do not feel that i have TOTAL disclosure, as they do not provide me with the ACTUAL amount that is being applied toward my balances. They give me the formula that they use to generate their interest charge, and i have to figure it out myself. I do not know how much of my additional pmt being made is actually being allocated towards the higher interest balance, they only tell me that it is going down. I guess i am just supposed to believe this? I have asked that my statement provide the actual balances still owed, as well as the breakdown of actual payments made, and where they are applied, to which balance, as well as when promotional period expires. I do not feel I have total disclosure of my billing, since i can not see exactly where my payment is being allocated, other than they tell me that my balance is going down. I should not have to just take their word, it should be provided to me, in my statement, on a monthly basis, so i can see EXACTLY how much i still owe in each balance, both the higher balance, as well as the interest free balance. If this truly is standard industry practice, I believe it is an unfair billing practice, meant to be vague and deceitful.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (NY)

Discover Credit Card : My credit line was declined. 
My automatic payment was removed. 
I was charged a late fee. 
The bank will not return the late fee. {$25.00}, this is the fist time I would be late. I am not sure why they will not return the late fee.
Consumer complaint received 2015-10-12
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (KS)

In XXXX 2015, an account was opened with Discover Online Savings Bank in my name. This was a fraudulent account and not requested by me. I have attempted to resolve with Discover direcly, providing documentation and a signed affidavit stating that this account was not opened by me. I have requested proof that its been removed from my name and none has been given. I received a statement on the fraudulent account on XXXX/XXXX/15 still showing the account open and in my name. I called Discover again and was rudely stopped from getting any information about an account in my name, all I was asking was why this account is still showing in my name and has it been closed/marked as fraud and removed from my records. The representative and manager I spoke with refused to provide any such assurances because I would not provide my personal information to " verify '' the account. I did provide the information on the statement but apparently thats not enough. They claim to refuse to provide me with this due to their security verification protocols but its a shame that they didnt do this when opening the account with the fraudster. I have no accounts with Discover and certainly never will based on this horrific experience. 
Please ensure that Discover confirms that this account was opened as fraud and my information and records reflect no existince under my name.
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (NV)

My son was an authorized user on my Discover account. He went to the store to use the card where he often shops, and when the card was swiped, the code came up " Call Authorities. '' Fortunately, the cashier knew him enough and did not call the authorities. 
I contacted Discover and they told me that they had requested the authorized user 's SSN and DOB by email or mail, and when they did not receive the information they removed him from the account. I understand this part due to the Patriot Act. However, I have gone through all my emails and paper mail and I received no such request. I also did not receive any notification that my son was removed from the account. 
What I am furious about is that the code sent to the merchant at the time said to " Call Authorities, '' scaring the XXXX out of my XXXX year old son, and making him look like he did something wrong. 
When I contacted Discover, the agent was very helpful, but also agreed that the code sent to the merchant should have just been a decline. I am not sure if they are having system issues with this type of decline or what, but I am so furious about this. I can not imagine what it would have been like if he had been somewhere they did n't know him and actually called the authorities, as directed by Discover. He visits XXXX and XXXX, and this is the card that I send for emergencies too! What would have happened? I am now requesting compensation for this bad bad error. I would like an account credit for no less than {$500.00}. I do n't even think that 's enough.
Consumer complaint received 2015-10-20
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Smart Auto Leasing (NV)

I was receiving notifications via text to my cell phone number XXXX regarding my auto loan account. Within the text It states " to opt out reply STOP ''. I replied STOP on XXXX/XXXX/15 and received the reply " You 'll no longer receive account mgmt msgs. I have received text messages on XXXX/XXXX/15, XXXX/XXXX/15,XXXX/XXXX/15 regarding the auto loan account.
Consumer complaint received 2016-04-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC (TN)

A CSR from Titlemax in XXXX, TN has broken the privacy policy. She took the title to my vehicle, the first page of my contract ( with my personal information on it ), and a letter from the state of TN denying their request to be made lien holder on my title to XXXX XXXX telling them to fill out a discharge of lien paper and give it to her because when XXXX XXXX released the lien on my title the store associate had not put the date next to her signature. The XXXX XXXX employee that the Titlemax CSR spoke to when she took the papers into the office saw all of the information on the contract page because the CSR laid the papers down on the counter in front of her and said that my name was even highlighted on the paper. I used to work XXXX the Titlemax employee went to and the XXXX XXXX employee she spoke to was XXXX and she now knows not only that I have a loan with Titlemax, but she saw all of the information on the first page of my contract twith them. I can not even begin to explain how embarrassing this is and how upset I am about my private information being shared which is a clear violation of the privacy policy that was explained when the loan with Titlemax was established. The XXXX XXXX employee explained that she could not give a discharge of lien to anyone other than myself or the state of TN if requested because of privacy laws in TN, and then contacted me to let me know what had happened.
Consumer complaint received 2016-07-12
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: R.M. Galicia, Inc. (CA)

Today I received a letter from Progressive Management Systems in XXXX XXXX, CA for their account XXXX stating I did not pay a {$100.00} bill. I immediately called and XXXX stated it was for a co-pay of {$100.00} for a XXXX XXXX, 2016 XXXX bill. I asked her if this had be reported to my credit report as I did not want this to effect my credit report and she said if I resolved it with in 30 days it would not report to my credit report. I told her I never got five notices from XXXX and I will check my receipts and call back. I searched my receipts and check book and only found two letters XXXX sent me asking if this XXXX visit was for an XXXX but no invoices were ever sent by XXXX to me. I called back and spoke to XXXX to pay it. After I gave her my XXXX and paid the {$100.00} bill I confirmed that this was paid and resolved and not showing on by credit report. She said if I dispute it to them they must report it to the credit report. I told her I am paying it and I was told if I paid it immediately it would not show on my credit report as I have excellent credit. XXXX and XXXX both lied to me to get me to pay this bill and then after they had my XXXX and I paid it then they said it would be reported. I told them I should be able to state the fact that their client has poor procedures and billing processes and that I never got even one invoice from XXXX. XXXX continued to tell me that even if I paid it the same day I got the notice it would go on my credit report. I do not feel it is right for them to misrepresent or lie to me and then report this account to my credit report after I paid it immediately. I owned a XXXX for 30 years and find their behavior unethical and misleading to consumers. These types of agencies should be put out of business and closed.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc. (CO)

I was web browsing and clicked on an add from Lending tree about the HARP program. 
I clicked a link that said " Instantly find out if you are eligible '' I clicked the link and took a short survey. The link did not tell me if I was eligible. The link sent out all my info to lender for a loan. I was never told I was applying for a loan. Now I am getting called - pestered - by several different lending institutions. I never was told if I qualified for HARP. 
This seems very fraudulent to me as I was never told I was going to have my information sent out and I was never told what the original link specifically indicated it would do. Bait and Switch.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (DE)

1. I opened my discover card 5 years ago, which was my first credit card trade in my bureau. This card was about to expire in XXXX 2015. Instead of reissuing a same number card w/ later expiration date like other issuers do, discovercard closed my old credit card account and issued a card w/ new number. And when I looked into my credit bureau information, i noticed that my credit history was shortened for nearly 48 months, which is critical since being an immigrant, I only have 5 years credit history. 
2. when i logged in my discover account today, I received a mail stating that discover makes a business decision of closing my account based on my account information. I am always a normal consumer, never being past due and did n't see any legit reason of being close. I have n't felt so furious before and felt like being treated unfairly.