davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Guglielmo and Associates (AZ)

I am receiving continuous phone calls from a creditor ( Gugliemo & Associates ) despite I am XXXX, receiving Social Security XXXX, and informed this creditor. They continue to call and harass me, and cease to stop. 

Section 207 of the Social Security Act ( 42 U.S.C. 407 ) protects Social Security benefits from garnishment, levy or other withholdings by the federal government, except : To enforce child support and alimony obligations under Section 459 of the Social Security Act ( 42 U.S.C. 659 ) ; For certain civil penalties under the Mandatory Victim Restitution Act ( 18 U.S.C. 3613 ) ; With a Notice of Levy to collect overdue federal taxes under Section 6334 ( c ) of the Internal Revenue Code ; Through the Federal Payment Levy Program to collect overdue federal taxes by levying up to XXXX percent of each monthly payment until the debt is paid under Section 1024 of the Taxpayer Relief Act of XX/XX/XXXX ( Public Law 105-34 ) ; To withhold and pay another federal agency for a non-tax debt you owe to that agency according to the Debt Collection Improvement Act of XX/XX/XXXX ( Public Law 104-134 )
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (FL)

The creditor, Midland Credit Management XXXX Inc., formerly Asset Acceptance , LLC, garnished my bank account on XX/XX/XXXX and took {$700.00}. I filed a claim for an exemption in the case under Florida law. The money that was garnished was being held by Midland Credit Management XXXX Inc. while the claim for exemption was pending. On XX/XX/XXXX at the hearing for the claim for exemption, we reached a settlement agreement that I would pay {$100.00} per month. The money that was garnished was to be returned to me. The money that was garnished was never returned to me, and I was never given credit towards my outstanding balance for the {$700.00}.. I have been calling the company for two months now and no one at the company can tell me why my money has not been returned or credited. I have met my monthly payment obligations of {$100.00} per month pursuant to the settlement agreement. I want the {$700.00} returned to me. I am aware that Asset Acceptance , LLC was sued by the FTC in XX/XX/XXXX. Meanwhile, they have opened a new company called Midland Credit Management , LLC at the same address in XXXX, MI.
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MD)

We received a letter addressed to my husband XXXX XXXX ( letter says XXXX XXXX XXXX ), stating we owe a debt to XXXX XXXX bank. We do not have an account with XXXX XXXX. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam.
Consumer complaint received 2024-09-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TomoCredit Inc. (CA)

I subscribed to the service. I paid for the first month and didnt like the service and emailed customer support to cancel. They responded back and asked why did I want to cancel and offered me a 70 % monthly discount code. I declined and they are still trying to charge my card. My card has tried to be charged over 40 times in the last 2 months and I would like to make a complaint and pursue any type of legal action because it should never be this hard to cancel a simple subscription when you are dissatisfied with the services.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

I have a JC Penney credit card that is being serviced through Synchrony Bank. In XXXX of 2015 I contacted JC Penney/Synchrony Bank in order to rectify and pay off any past due debt that I owed them. I came to an agreement with them and even received a letter stating that they would accept a settlement offer of {$360.00} dated XXXX XXXX, 2015 in order to close out the account. I happily accepted and as soon as I got the letter I attempted to consumate the agreement and pay them off. When I tried calling them to pay off the amount agreed upon, I was told by a XXXX that they could n't accept my payment because they were no longer collecting the debt because it was past the " statute of limitations. '' When I asked her to clarify that statement, she could n't clarify it but just said that they would not be taking my money. I asked for an employee ID and she refused. I then asked to speak to a manager and was transferred to a voicemail. I attempted to call him again at a later date and XXXX again I got a voicemail and have yet to receive a return call. I then spoke to a different representative named XXXX on a different date and he said they would not take my money. They even sent me a letter dated XXXX XXXX, 2015 which is just 6 days after they sent me a settlement offer stating that they were not going to collect on this debt but that they were still going to credit report it! For a few weeks I tried calling them to pay them the settlement offer we had agreed upon but they still wo n't accept my payment. I may not be a legal expert, but I know they ca n't simply refuse my payment because they are claiming they are no longer collecting it and STILL report it as an unpaid debt. That is fraud, defamation of character, and outright Malicious. Not only that, but because they wo n't take my money to clear this debt I am unable to proceed in obtaining credit as most creditors want me to pay this debt before they will extend me credit themselves. Does Synchrony Bank want their money or not? Either they accept my money so I can clear off my debt or they truly stop collecting this debt and stop reporting any balance owed since they refuse to accept any payments. They ca n't have it both ways. Please assist me in this as I am trying very hard to clear up my debt and if you can not assist me then I will be forced to sue Synchrony Bank.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (FL)

I received a letter from Wells Fargo XXXX XXXX OFFERING me an increase on my card and stating all I had to do was call the number ... XXXX ... to answer a few questions. Little did I realize what would result. The rep asked my income and I told her. It is higher by about {$5000.00} than when I got the card. The letter states : your account must be open, in good standing, and your credit limit must not have changed in the past three months. '' Great ... that 's me. A person named " XXXX '' or " XXXX '' said, sorry my income does n't meet the requirements. I disagreed and asked to speak to her supervisor. My income is more and my debt less, so I do n't understand. XXXX told me she would have the supervisor email me later and I said I 'd rather hold and speak to the supervisor ... .and after a hold of about XXXX minutes, someone who identified herself as " XXXX XXXX '' spoke with me and reiterated what was said. The supervisor was fake understanding and conciliatory but would not understand my point. My main complaint is the letter and their tactics were deceptive. The letter never said I would have to requalify and prove my income. According to the letter, I fulfilled all the criteria, and they said they were raising the limit, I did n't ask. Adding insult to injury, I am a Wells Fargo customer with a checking account and a home mortgage with them.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-05-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (VA)

Sallie Mae, I have received upwards of XXXX calls per day from Sallie Mae through automated call systems despite explaining my situation and conditions to Sallie Mae. These phone calls are harassing and threatening the viability of my cell number. I ca n't leave my phone on and may miss important calls due to this harassment.
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I received a call today from a XXXX XXXX ( name given but most likely not the real name XXXX to my number at XXXX CST on my work paid cell phone on a work day. The woman asked for someone who was not me. I told XXXX " XXXX '' that I was not this person and asked for the name of the company she was calling from since they were calling my work cell phone and calling for someone who is not me. 

" XXXX XXXX '' did not answer the question of " what is your company name/where are you calling from '' which I could see was XXXX she ignored me and asked " do you know XXXX ''. I in turn did not answer her question for many reasons:XXXX This is obviously debt collection for someone else which is none of my business nor is it within privacy laws to provide. 
XXXX. The answer was quite rude. 
XXXX. With all of the scams and security issues surrounding personal information I would not give out any information on myself or another person to begin with. 
XXXX. I am not on that company 's payroll and am not being paid to provide the collection company information on someone they pay people to contact. 
XXXX. The company 's employees should use their other forms of contacting people they are after, which large amounts of uncollectible debts are bought anyway to scare people into paying with uncouth and threatening tactics even if they are past their term or statute of limitations. 
XXXX. These tactics are against the Fair Debt Collection Practices Act. 

The charade continued with " XXXX XXXX '' when she asked again if I knew xxxx, and I in turn asked her more sternly and concisely each time she would ask her question listed above and refuse to answer mine " What is the name of your company '' ... which she is required to disclose. This went back and forth about XXXX times more. Then she tried the typical rhetoric of " well you are saying you do n't know her but I am calling you on this number '' and then stated that it was Portfolio Recovery Services. I promptly stated I would be contacting the Consumer Complaint Bureau thank you '' and she continued to talk and say " that 's fine ... '' and I hung up. 

I am tired of being harassed by people such as this for people that I WILL NOT give any information about, known or not known, due to the reasons listed above. 

I suggest that XXXX XXXX and her direct reports come up with another form of communication other than rude collectors and failed business practices. Until that time happens leave me out of it and do not call my phone again - leave it off the list and remove it from the system.
Consumer complaint received 2015-05-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

1. Electronic Payments status is complete but the funds are not subtracted from the current balance creating an account out of balance condition. 
2. Some payments are completely removed from the account ( scheduled payments, completed payments and account details ) while in process resulting in an account out of balance condition.
Consumer complaint received 2015-05-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX 2015Federal Bank RegulatorOn XXXX XXXX, 2015 Chase Bank confiscated {$14000.00} from my checking account. They did this with a simple debit entry. They did not provide any advanced notice. This was done without any discovery of fact procedure, arbitration or legal hearing. My account did not have sufficient funds and therefore was overdrawn. A check for local property tax was outstanding and subject to penalties. The entry that triggered this action was a direct deposit from the IRS on XXXX XXXX, 2015, a month and a half earlier. I have not received any correspondence from the IRS about any issues. I understand the clearing of funds between banks and the need to reverse transactions. Chase shows this in funds available for withdrawal. This normally takes days not a month and a half. I believe all issues are with Chase Bank and their handling of the transaction and their procedures for confiscating money. I have contacted Chase and they are working to resolve the error. I hope and expect the monetary portion to be resolved. What can not be resolved is the procedural issue which allows a bank to at their whim without notification and any formal procedure to confiscate money from an account holder. This requires Federal regulation. In summary my question is : Can a bank at any time confiscate money from an account holder without advanced notification and without a formal fact finding hearing? 

Banking is not practical without assurance of funds. If this is not legal, what is my recourse? 

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-05-22
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Reverse Mortgage Solutions, Inc. (CA)

It took XXXX months for the RM to go thru due to the Lender misinformation I had to notar sign documents XXXX I had to call my city planner because they then told me my townhouse did n't qualify. I spent hours on the phone myself doing their job That was wrong I own and paid for totally my home, the appraiser was XXXX hours late did n't take the pictures properly so I had to do that also. I recently had my daughter & granddaughter move in and need help so I asked for money from a line of credit which has XXXX XXXX and was told NO, I then ask for monthly payments and was told NO. This is insane to me I am not vacationing I am trying to take care of my family in this desperate economy.
Consumer complaint received 2015-05-22
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (AK)

I have been contacted over and over during the past three years for a debt I do n't owe. XXXX it was XXXX call, then a year later they started calling me ever few weeks, then XXXX or XXXX a week, and now they call me every single day, XXXX times a day. I have spoken to them on multiple occasions and they have been nothing but difficult. XXXX they absolutely refuse to say anything but " I 'm sorry you are not authorized '' as soon as they find out I do n't owe them money. XXXX they keep taking my name and phone number but it apparently does absolutely nothing. I have XXXX and this is not only very XXXX but I also have XXXX and their calls at XXXX are disrupting what little sleep I get.
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (TX)

I CANT STAND WHEN COMPANIES HAVE THE WRONG PERSON, AND THIS ONE DOES YET THEY KEEP CALLING AND SENDING ME JUNK. THEY KEEP SAYING THAT THEY WILL OUT IT ON MY CREDIT REPORT IF I DONT TAKE CARE OF IT. WHY SHOULD I IF IT ISNT MINE?
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

approximatley 3 yrs. ago my mortgage loan with Indymac was sold or transferred to ocwen debt collection-loan servicing company. it has been a consistant battle with them since then, regarding payments i send on time and then they will hold the payment till it 's considered late so they can collect late fees, then indicate they will foreclose on my home. i have documentation of the paper work they send re : this. i have documented all the phone calls of when, person 's name and id # & time of calls. i ask if it will be recorded. they say it is. i had to miss a payment in XXXX 2015. i called XXXX, told them it was just for XXXX, explained why, asked if it was ok and if there would be any penalties or issues of foreclosure. cust. service said a XXXX time XXXX month payment would not have any effect and my account was in good standing, and that it would be fine. so, i did not make XXXX payment. i made XXXX and XXXX 2015 payments on time and have been harrased by collections dept. @ ocwen, recieved paper work from them giving me options to short sell, give deed in lieu of and foreclosure. i call them about this and am told to disregard it because it is automatically sent by their system. then i am sent more paper work re : foreclosure issues. and they applied XXXX payment to XXXX and then they applied XXXX to XXXX. more foreclosure paper sent to me. i sent the funds required to them on XXXX XXXX and then XXXX XXXX 2015 to be caught up and they withheld paymenys till they were considered late again. this is my complaint.. i am very concerned they are sabotaging all the payments i send so they can foreclose on my house. indymac did this as well just before they gave my loan w/them to ocwen. i had to hire attourney 's to stop foreclosure then. please instruct me on how to get ocwen from doing what they are doing. Thank-you. Sincerely XXXX XXXX.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My family was hit with numerous XXXX bills at the same time our monthly mortgage payments went up so our ability to pay all our bills on time was seriously affected. We have approximately {$10000.00} in credit card debt with Capitol One and have tried repeatedly to make our monthly payments of approx {$260.00} on time and have missed some therefore incurring late fees, we have contacted Capitol One repeatedly to see if we could lower our monthly to {$150.00} they said all they could offer was to not attach late fees if we continued to make those {$260.00} payments on time, which as I said we can not do, I therefore contacted Capitol One and requested my account be closed, we still are trying to make our payments on time but continue to incur those late fees, our last bill was for {$560.00} which we ca n't pay, as I have said we have never refused to pay our bills, but when we get at least XXXX calls per day at various hours that is just harassment. We are at a loss as to what to do we are potentially looking at bankruptcy or foreclousure if we can not get any help.
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I had a negative loan amortization with originally XXXX xferred to XXXX XXXX XXXX and when I was in the midst of modification when the loan transferred to SLS. 
SLS, since day one advised me that I should foreclose and thats my only option. My loan mod attempts keeps getting denied without even being reviewed. 
They keep denying me due to incomplete package, but I am calling them every day, half hour after they told me the package was complete, they would deny my package due to incompleteness. 
They changed my account manager XXXX times in 2 weeks. they never returned my numerous calls back & I was calling them everyday. I have proof in writing that my acct mgrs were changed almost every other day in the past 3 weeksI offerd them a downpayment toward modification, to get a fixed interest rate, but no luck, they are not letting me make my regular monthly payment either. 
All I want from them is a fixed interest rate, so my loan amount doesnt increase due to a negative amortization. 
Now I have a trustee sale date for XX/XX/2015 right in the middle of modification. and after scheduling the date I was denied me due to incomplete packagte again. 
I did n't even find out about the trustee sale until the county sent me a letter yesterday,. They were trying to foreclose on me without letting me know.
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I live in XXXX I recently applied for a refinance loan with 53 Bank to combine my mortgage and equity loan together for a lower interest rate. I have had my mortgage and equity loans with 53 Bank for over XXXX years. 53 Bank recently ( XX/XX/2015 ) did an appraisal of my home with a company XXXX XXXX located in XXXX. The appraisal valued my home at {$60000.00}. The appraisal appeared to be based on foreclosed properties and/or condo properties. At one time 53.com appraised my property at {$140000.00}, a couple of years ago at {$120000.00}. 
My complaint is that I feel that 53 Bank uses improper appraisals to deny mortgage loans in my area
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.