davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

Apologies, my thoughts are all over the place as we've been dealing with this issue for months now .... 

In XXXX, my wife and I refinanced our HELOC into a home equity loan and Shellpoint bought the loan. From the moment Shellpoint took over servicing our loan, we have had nothing but issues just trying to pay them. We have sent instructions 3 times online to pay our bill, yet have only been successful paying once. We call and get no information ( no one can help us ) and no follow up back from them, yet we jump through all the hoops they ask of us. It has been such a hassle to work with them that we decided to refinance again. However, Shellpoint is now rejecting the wire from the bank to pay off our loan. Shellpoint practices predatory debt servicing and is not allowing us out of this loan. The pay off was wired to Shellpoint on XX/XX/XXXX and they credited our account, then debited it - same as they had with our other XXXX payment attempts that didn't go through. Also, Shellpoint took XXXX of our payments, never applied it to our loan, and said they never received it/sent it back - depends on who you speak to there. 

We were notified of Shellpoint taking over our loan in XXXX of XXXX - normal, standard practice after taking out a new loan. Unbeknownst to us, Shellpoint had set up auto-payments to draft funds from a XXXX XXXX account that did not belong to us. We only learned of the error when Shellpoint mailed us a letter about the insufficient funds notice they received from XXXX. So then I created a login for Shellpoint 's website and cleaned up the XXXX instructions, then used the new ( correct ) instructions to set up a one-time payment ( to cover the missed payment ) and set up automatic payments for future months. The one-time payment went through, no problem - cash was taken from our XXXX account and correctly applied to our loan. 

However, with the first automatic payment, the cash was taken from our XXXX account on XX/XX/XXXX but not applied to our loan. Shellpoint says XXXX told them the transfer was rejected ( NSF ) and the money was returned to XXXX. XXXX says no such communication occurred and the money was never returned. There's a disconnect here somewhere. The XXXX ID # for the transfer from XXXX is : XXXX. Also, the ACH instructions that were used to set up this transaction have been deleted and we didn't do that - someone on the Shellpoint side would've had to do that. I've already provided all this information to Shellpoint via multiple phone calls. Weve tried paying you 3 times so far and have had only XXXX transaction successfully occur. 

This needs to be fixed. Shellpoint should be able to practice predatory servicing. It's crazy, all we're trying to do is pay. Please help us.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

my mortgage was taken over by phh mortgage from ocwen. i had gotten behind on my mortgage payments. i was sent a modification in XXXX of XXXX since XXXX i have not been able to speak to anyone concerning the modification. i was only told by one representative that i needed to reapply but i can not get into my account to apply because my account is locked. my case manager has not answered calls and her mailbox is now full. when i call and enter my ss # or loan # my called is sent to the relationship manager phone automatically. if i dont put in my information and get customer service, they can not help me and sends my call back to the same person. so for approx 3 months i have not been able to get any assistance. i have been calling every week.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ENCORE CAPITAL GROUP INC. (FL)

The two open collections on my credit report are from a company Ive never done business with. Ive never signed any documentation with these companies nor have I ever been in contract with these companies before. These account were charged off by the original companies a few years ago, to my husband loosing employment because of COVID. I have written several cease and desist letters to Midland Credit Management and XXXX XXXX XXXX explaining this to no avail. So I am questing your assistance in this matter, please!
Consumer complaint received 2024-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MD)

The processing of my reaffirmation form is taking longer than expected after being denied twice due to errors made by the school 's financial aid office. The delays are not my fault, yet they have resulted in my dis-enrollment from graduate classes. Additionally, Aidvantage has contributed to this issue by taking more than a month to process the reaffirmation form, further impacting my enrollment. Aidvantage needs to change the way it handles students ' documents, as the current policy is damaging students ' academic progress.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tate and Kirlin Assoc (GA)

The company claims I owe them money. However, I never opened an account with them. Nor have I ever signed anything. They claim I owe them money from a debt. This debt does not belong to me. It is affecting my credit score.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I opened a XXXXXXXX XXXX XXXX XXXX ( Comenity Capital Bank ) store credit card in 2022 for the first time. I believe that XXXX steered me to a predatory division of their store credit card company because they re-issued the store credit card to me within a month after I received the first one and because of their merciless late fees and fines applied to my now closed store credit card account. Usually credit card companies issue new credit cards AFTER the first credit card expires, but XXXX issued two different store cards to me without reason. They told me that the original credit card was no good and to use the new one._______________________________________________________________ The problems with this company became more evident in XX/XX/XXXX XXXX  after I paid my bill in full within the same month of the due date, XXXX. My first and last bill for {$15.00} was due XXXX was paid XXXX in full. I did not make any new purchases at XXXX or charge any additional items on the store card after making the final payment in XX/XX/2022. I CLOSED the account shortly in XX/XX/2022. Nonetheless, XXXX and its bank continue to send bills to me with compounding interest and fees as if the account is still open. Closed accounts are to be sent to collections, but not in this case. They reported the account to the collection agencies. They did not send the account to collections.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (DE)

I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates UCC 9-509, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC (CO)

On XX/XX/year>, I requested from MRS BPO LLC proof of the Debt by mail with a certified return receipt. I requested proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC (CO)

I requested from MRSBPO LLC proof of the Debt by mail with a certified return receipt. I requested proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I deposited a check from my husband on Friday the XXXX of XXXX and it has not cleared since. My husband got a message on Thursday the XXXX to verify that he had indeed written the check- which he confirmed on the phone to the Bank of America agent. Yet the funds are not available. I called Bank of America again and they said it is ok hold as they are not sure it will clear. My husband called his XXXX XXXX  and they confirmed it was cleared on XXXX XXXX itself. 
Our money is lost between the XXXX banks with no one saying when it will be either returned to XXXX  or deposited in Bank of America
Consumer complaint received 2015-06-13
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I had a vehicle repossessed that was originally financed with XXXX XXXX XXXX XXXX. The vehicle deficiency debt was purchased by Cavalry Portfolio Services. This past Wednesday I had a consultation with a consumer protection attorney and provided all information and paperwork regarding the repossession and was informed that XXXX XXXX XXXX XXXX did not follow Texas state statutes regarding my due process. At the time of the repossession my residence was in Texas but I was XXXX. Therefore the debt should not be on my credit files.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2023, I logged into my Navy Federal online banking and noticed I received my tax return, which was a surprise because I had just filed I seen that It was only XXXX in my account. I called Navy Federal up to someone and asked where my money was in my account. They stated we took it. I said for what they stated for a credit card in collections. I was in the biggest shock. I had no knowledge of this, never received any correspondence in the mail, called anything the rep stated, we sent an email. On XX/XX/2023 in Reference to the credit card about collections I never received it then she stated that it's like if you don't pay your light bill I don't know how that correlate I have been in contact with Reps for them to do this to me is very Surprising I have been explaining to them my circumstances me and children are homeless when I talked to a rep I sated I would pay the pay due balance I owe when I got my return they took everything from me and when I called they were unprofessional unpleasant and uncompassionate I asked to speak to a manager someone higher up was hung up on called back and placed back in a queue put on long holds I have been banking with this company for 17 years I have never experienced a situation like this with Navy Federal credit union before. People fall on hard times ; the FDCPA protects consumers from how and when they can contact a consumer concerning a debt, also the statue of limitations of the debt. I want this issue resolved and my money back I told them I would pay the past due balance they went the wrong way about this I was never made aware by mail or phone of the collection against me in order to make arrangements payment plan they just took all that I have and I'm back at square one
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CL Holdings LLC (NV)

I voluntarily gave them the car back, they sold the car for more what they are trying to get from me.. They broke even on the car to what I owed and they got back from the sale and then they tried to harass me by sending fake people to a past address trying to sue me
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

From 2018 through the end of the loan they started reporting me late when I was paying on the payment date. Also I called them about that several times and they didnt fix the issue, the company is horrible right now they have lawsuits against them. Due to the fact of fraudulent information on the customers who is currently with them, and as myself for people who have paid out their accounts. Almost every month they were reporting my account delinquent and messing up my scores with the credit bureaus. The more I reached out to this company it seemed the worst it gotten. I had no clue what I was dealing with until I got involved with the company. Now Im trying to move forward with my credit and cant because if this fraudulent reporting. Can you please help me with this situation, the name of the company is Credit Acceptance. My car note was XXXX a month, they added so much late fees during the coarse of the loan until I almost paying another car payment just dealing with late fees. They truly got over on me.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MO)

Re : JEFFERSON CAPITAL ACCOUNT NUMBER UNKNOWN Dear JEFFERSON CAPITAL, I am writing to formally demand that you cease all communication with me regarding the above-referenced account, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I request that you cease all collection activities, including but not limited to phone calls, letters, or any other forms of communication, concerning this account.

In addition, this letter serves as a formal demand for you to immediately cease reporting this account to any credit reporting agencies. I believe this account to be the result of identity theft, which I have previously disputed. Attached is a copy of my identity theft report for your records. Since this account is fraudulent, it should not be reflected on my credit report, and I expect you to take immediate action to remove it.

This letter does not serve as an acknowledgment of any debt or liability. I do not consent to any communication by phone, at my place of employment, or home regarding this matter. If you intend to take legal action, any further communications should be limited to written notice of such action as required by law.

Failure to comply with my request may result in further legal actions.

I expect written confirmation within 30 days that you have ceased all communication and collection activities and that you have notified all credit reporting agencies to remove this account from my credit report. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I canceled my gym membership over the phone with XXXX XXXX. When asked what bank I wanted the close out fees deducted from I provided my existing bank ( XXXXXXXX XXXX  ). An employee working the counter at the gym took my bank account and routing number. She then charged an old bank on file ( Citizens Bank NA ) that had been closed for 2 years for {$49.00} on on XX/XX/XXXX. In her defense they have very similar account numbers, but completely different routing and bank names. I then spoke with XXXX XXXX ( handles billing for XXXX XXXX ) who fully admitted fault in writing. I offered this admission in writing to Citizens Bank, who told me they would contact me and let me know if they needed the information, but never took my evidence, and completed the case weeks later by sending me a letter saying no fraudulent activity was found ( after their own agents told me to open the fraud case in the first place ). To be clear, I never gave XXXX XXXX XXXX authorization to charge a Citizens Bank account XXXX in any dollar amount. Citizens Bank reopened my XXXX XXXX XXXX closed account and debited the amount, and then charged me overdraft fees and it was sent to collections before I ever knew what was going on. I am a XXXX XXXX and it is very important that I do not have debt settlements or collections as it could effect my licenses. The money is a minor amount and not the issue for me. It's the principle that I provided correct, updated bank information, and a bank that I haven't used for anything and has been closed for over 2 years is extorting me for petty overdraft fees. This is bad business and absolutely fraud. 

Additional info : I updated my bank account information with XXXX XXXX on XX/XX/XXXX online, and took the time to be extra careful and read out the entire account number and routing number foXXXX XXXX XXXX to the representative at XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2024-10-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TN)

I was in a coma from XX/XX/XXXX until XX/XX/XXXX. My husband has no idea how to even pay the house payment. AS SOON as I got out of the hospital, I started going through mail. I immediately paid {$100.00} on my XXXX XXXX XXXX. There was a huge late charge. They then turned around and turned the {$40.00} bill from XXXX in as delinquent to my credit report. I talked to XXXX at their customer service when I realized what they had done. He promised that he personally would take that whole {$40.00} off my credit report by XX/XX/XXXX and would send me a bunch of coupons. The only thing he did was report it up to date but the delinquency is still there. How do I get it off?
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (FL)

I have requested the accuracy of my report. Midland credit has this collection as an open status. I have requested to show the account closed and XXXX close the account and then reopened twice. Midland has various variations on my credit file. The collection company is providing inaccurate information on my file. Please remove due to the open and closing this account multiple times. The account is inaccurate and continues to report as an open account. The FCRA states removal of inaccurate information.The open date is inaccurate XX/XX/year>. It also shows Midland as the original creditor. Please remove due to the many errors.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : Collection Account Name : PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (KS)

I created two accounts ( Checking and savings ) with Ally Bank on Saturday XX/XX/XXXX. On that date I used their mobile deposit process to submit two checks on my XXXX XXXX account. {$2000.00} for the checking account, and {$10000.00} for the savings account. Ally states the checks were posted on the XXXX and came out of my XXXX  account that today. Ally shows the balance in my accounts, but does not show it as an available balance. When I reached out to a customer service rep, I was told there was a hold placed on the checks because they were a large amount. Really? $ XXXX is a large amount? Regardless, the csr told me the funds would be available yesterday. They were not, and are still not. 

I tried to escalate the situation and asked to speak to a supervisor, but received no response. They have had my money since Monday, but for some reason are keeping it unavailable to me. Is it legal to do this? Thank you.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

This is my first action taken, calling them by past experiences with debt collectors would only result in a futile conversation over my owing the debt and nothing would be resolved. 

According to them, Convergent, I supposedly contacted them on an issue of an ID/Theft claim. Then I was directed to call XXXX in regards to a Mobile service subscribed to me, and to file a claim. 

I never subscribed, purchased or contracted any mobile services from XXXX. 

The claim against me by Convergent was dated in a letter sent on or about XX/XX/2023. The following was enclosed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Convergent XXXX XXXX XXXX XXXX  Account Balance {$190.00} Collection Cost {$840.00} Total Owed {$1000.00} Again, I have no recollection of this debt, verbally or in writing : its not mine, I never contracted with XXXX XXXX for any services. 

I am attaching a file, please disregard the letter to " XXXX XXXX XXXX XXXX XXXX '' which happens to be included in this file.