davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (FL)

Thank you for taking the time to reinvestigate my recent complaint XXXX. The account XXXX XXXX XXXXXXXX has been removed from my XXXX credit file due to the inaccuracies that I have made you aware of. According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

At this time, I am requesting to have the account removed indefinitely from my credit report and I would like an updated copy of my credit report sent to the address above once the account has been removed. I eagerly await your response!
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT RESOLVE GROUP LLC (NY)

The tactics of this agency are beyond deplorable. Their reps XXXX XXXX and XXXX XXXX have 1 ) Told us to send them a post dated check when we told them the funds were not in our account. 
2 ) Asked us the names of the clients and amounts we are waiting payment from in order to pay the debt. This is a violation of confidentiality. 
3 ) Have continued to harass us with phone call after phone call even when we have told them we are waiting for a check in order to pay this debt. 
4 ) Have threatened us repeatedly with lawsuits and so called " final straw '' warnings. 
5 ) Have made nasty, condescending and wholly unprofessional comments towards our staff. 
6 ) Misrepresenting information to our clients and vendors 7 ) Misrepresenting what our bookkeeper told them
Consumer complaint received 2016-07-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (TX)

I have an auto loan with BMW Financial Services, I 've been trying to remove XXXX 30 day lates that are on my credit report. I received a copy of my payment history reflecting the payments they received from me but they are not correct. I would like assistance from CFPB in solving this matter and having these lates deleted from my credit.
Consumer complaint received 2016-10-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Security Credit Services, LLC (TX)

I was a victim of identity theft and noticed a collection from SECURITY CREDIT SERV I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against SECURITY CREDIT SERV in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you
Consumer complaint received 2016-09-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (NJ)

Received bill for medical services that had already been paid when services were rendered. When I contacted the facility where procedure was done, was told my account was paid and nothing outstanding. A radiology office claimed that I owed an additional fee for the service but the center that performed the procedure confirmed that their onsite doctors reading of the results is included in the price I had already paid with a credit card. Procedure is not covered by insurance so payment is due when service is performed. This Radiologist " billing department '' submitted to the wrong insurance company which denied payment as would be expected. Now charge has moved to a " collections agency '' and ultimately a threat to my credit. All phone numbers provided are automated attendants with no option for a live person. I have also received numerous phone calls referencing the outstanding balance, but it is always a robo-type voice leaving a message. Have read from others who have encountered similar situation and have ruined their ability to acquire credit even after paying off the debt. Worried that my credit card information or other personal information has been stolen without my knowledge.
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am currently a customer with Bank of America and recently was accessed overdraft fees on transactions that when posted to my account had a positive balance. After review of my account it was observed that Bank of America charged me an overdraft fee for a Check # XXXX and for a pending transaction to XXXX that has not processed to my account on XXXX XXXX, 2016. At the time of both transactions my bank account balance had sufficient funds to cover both transactions and this supported by the review of my online statement through online banking. When I spoke to the customer service provider on XXXX XXXX, 2016 at approximately XXXX I was told that the fees were being accessed because my available balance was negative in my checking account, but when I reviewed the account the transaction pending for XXXX was the only transaction that overdrew the account. In addition Bank of America charged me XXXX overdraft fees on transactions that posted to my account when the available balance was positive. 
I spoke with a supervisor who also confirmed the same thing and when I requested to speak with another supervisor or consumer relations they stated someone would have to call me back. I refused this and continued to request, but was denied several times. When I informed them that I was going to file a complaint with the CFPB I was then placed on hold in order for the Bank of America customer service representative to get me to the right person. The activity on the account has still not been clarified and no resolution has taken place at this time as they are still not able to provide me with a sufficient reason as to why the account overdraft fees were accessed. The call center for Bank of America is allowed to see more detailed account information, but I am limited online to what I can view which makes it difficult to argue my issued.
Consumer complaint received 2023-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DIRECMANAGEMENT, INC. (AL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2017-01-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

HRRG contacted me on my cell phone and left recorded message saying they were a debt collector and I needed to call them back at XXXX XXXX. I called back from my house phone and girl ask for my cell phone # to look up what the debt was. I gave it to her and she stated that there was no info on me. She ask for my social security # .... I said absolutely not. This ended the phone call. They had no reason to call or ask for my SSN. I do not have any outstanding bills. This struck me as a fishing for personal info call. The # that called my cell phone XXXX and ask me to call back on XXXX. Thank you.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Around XX/XX/XXXX or XX/XX/2016, I had received a bogus billing from XXXX # XXXX regarding a {$230.00} bill with XXXX. I immediately called XXXX @ XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my XXXX d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from XXXX on XXXX reports, XXXX & TransUnion, so I filed disputes with both companies XXXX had the item deleted, but TransUnion just added a note that " acct was disputed by Consumer '' with a removal date of XXXX. On XX/XX/2016 I filed a second dispute with TransUnion and n XX/XX/2016 I sent a formal complaint to XXXX, with no reply to date. My XXXX score remains at XXXX, due to this bogus reporting by XXXX. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely XXXX XXXX
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NC)

This is for the American Express Platinum card. One of the benefits advertised is that you get a {$50.00} credit every 6 months for XXXX XXXX XXXX it has to be used by XX/XX/XXXX and the second by XX/XX/XXXX of the calendar year. I purchase something for {$64.00} on XX/XX/XXXX. On my statement it shows XX/XX/XXXX. On their app it shows as XX/XX/XXXX. I did not receive my credit. 

I chatted with customer service and they said that despite it showing XX/XX/XXXX on my end, on their end it shows as XX/XX/XXXX and therefor I dont get my credit. I said thats not what their advertising says. It says purchase made XXXX of the calendar year and it shows XX/XX/XXXX on my end. 

The rep said it didnt matter what I saw on my end. Their systems post differently and thats what it goes as. In some travel credit card forums, this has been coming up a lot. People who made year end purchases to get their credits/sign up bonuses/etc are being told they arent getting it because its posting in their systems are showing after the date they did the transaction and coincidentally on a date to which they lose out on some kind of reward, credit or bonus.
Consumer complaint received 2017-01-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is guilty of conducting XXXX without the authority to do so. In this instance, Bank of America has failed to properly execute and record any mortgage related document by associating the document with my private property and home. Specifically, only XXXX properly executed and recorded document has been associated with the assigned assessors ' property number ( APN ) of the subject property. Therefore, no default can be had or may be claimed on the recorded XX/XX/XXXX Deed of Trust. 

Just to be clear, neither Bank of America or XXXX ( XXXX ) hold the power of sale under the XX/XX/XXXX Deed of Trust in which the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( XXXX ) has been associated with and recorded as the XXXX is incorrect as it appears on these and other documents recorded since XX/XX/XXXX by Bank of America and their representatives, including the currently named trustee, XXXX. From this date forward, Bank of America and XXXX can no longer claim ignorance as to this fact. Any action from this point forward is fraudulent in nature and scope as well as evidence of a XXXX ( XXXX ) banking, mortgage, and real estate enterprising scheme intended to defraud honest, law abiding, and unsuspecting good folk of their homes. 

Since beginning the loss mitigation process with my request for mortgage assistance ( RMA ) in XX/XX/XXXX, Bank of America has done everything to separate me from my home.rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( XXXX XXXX. Bank of America continues to refuse to make the requested corrections of the errors made knoen to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
Consumer complaint received 2016-06-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services (MD)

I ALREADY SUBMITTED A COMPLAINT NUMBER XXXX AND WAS TOLD IT WAS SENT TO THE COMPANY LENDMARK AND I HAVE ADDITIONAL INFORMATION AND EXPLANATION TO SUBMITT. THE PAYMNET HISTORY INDICATED A MALST PAYMENT IN XXXX.. I AM XXXX VETERAN AND HAS BEEN GOING THRU XXXX AND XXXX WAS IN XXXX 2016. WEHN MY WIFW ENT INTO MAKE PAYMENT SHE WAS TOLD THERE WERE NO MORE PAYMENT DUE BUT UET WE WOULD RECIVED LETTERS INDICATING OTHERWISE AND WE ARE FAXING XXXX LETTER WHICH INDICATES A XXXX BALANCE DUE AND ITS VERY CONFUSING. THE FINACIAL READINESS PERSON AT THE XXXX ADVISED US TO CONTACT YOU. IT APPEARS THE COMAPONY IS CHOSSING TO CHARGE OTHER THAN THE XXXX INDICATED
Consumer complaint received 2016-12-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TD BANK US HOLDING COMPANY (TX)

I have received a credit card from Target with a credit limit of {$200.00}. I have been paying my debit with a balance of {$78.00}. due to financial problems I neglected to pay the debt and balance was taken over by collection agency. The balance owed has been inflated to the amount of {$450.00} appx. I have tried calling Target customer service but I was referred to call the collection agency. Target will not answer my questions and the collection dept. will only collect a debt that is over inflated.
Consumer complaint received 2016-12-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I am getting REPEATED calls for debts I do not owe that my ex-husband owes. Every time his debts get sold, the calls start again. 

Today I received call from Portfolio Recovery Associates. I asked them to remove my name ... .My ex has never used this number, I am remarried and now have a different name. I am sick of being dragged into his nonsense. 

At the same time they were calling me they called my MINOR son. My son is XXXX years old. They have no business calling a child and dumping his father 's mess on him. I had them remove the number and told them if either one of us receives another call, I will sue them. 

My son is a child, he has been through enough because of his XXXX father.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I 'm being harassed by phone, and emails on a daily basis, I get between 4 to 7 calls a day. I have asked branch manager XXXX to stop calling multiple times, but calls keep coming. I try to answer all calls but they been using harassing and threating language. I sent a written request to stop calls but I was told that they have all the right to continue calling. they have called some of my relatives as well on multiple occasions. I have proof of all the calls, voicemails, and emails that I have received. my payment has never been late for more than thirty days. Manager XXXX XXXX claims that they 're not a collection agency, therefore I cant stop the calls, but the emails I receive claim that they 're a debt collector and they 're trying to collect a debt.
Consumer complaint received 2017-01-13
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (AZ)

I am writing to you concerning the fraud float activity by the company Pay Pal. The account in question involves attempting to transfer funds from the Pal Pay Account XXXX to the confirmed bank account XXXX . On XX/XX/2017 I attempted to transfer a total of {$870.00} in funds to the confirmed bank account. Only {$1.00} was transferred although Pay Pal removed all {$870.00} out of the Pay Pal account. The company is illegality floating on these missing funds and I suspect tens of thousands of other consumers and they need to be fined. I demand {$870.00} in funds be credit immediately to the confirmed bank account or returned to the pay pal account. If this does not occur within 5 days of this letter I further demand an additional {$870.00} in delayed processing damages. 


Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} completed transfer XX/XX/XXXX Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} missing Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} missing Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$870.00} missing Total transfer {$1.00} Total missing funds {$870.00}
Consumer complaint received 2017-01-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America refuses to make requested corrections to errors made during the loss mitigation process. Upon receipt of my request for mortgage assistance XXXX in XXXX XXXX, Bank of America has done everything to separate me from my home, including taking more than ninety days to conduct an initial review for loss mitigation options and programs and failing to inform me in writing of approval for modification assistance. The intentional misrepresentation as to eligibility and approval of mortgage assistance and documents related to mortgage assistance programs is fraudulent. 

Bank of America has confirmed receipt of my XXXX XXXX XXXX and I have informed Bank of America no additional installment payments will be made. I have informed Bank of America of my claim of ownership of this property by virtue of adverse possession multiple times and have received no opposition to this claim to date. To date, I continue to occupy the property openly as the sole owner. 

The XXXX Requirements for adverse possession on a mortgaged piece of real property are as follows : a ) A claim of adverse possession of real property secured by a mortgage or Deed of Trust may be had upon notifying the mortgagee or their representative when any violation of law during loss mitigation resulting from a request for mortgage assistance XXXX and ; 1 ) The loss mitigation process has been pending beyond ninety ( 90 ) days without a Trial Payment Plan ( TPP ) in place in accordance with the XXXX Act or other agreed upon workout assistance, or ; 2 ) Upon delinquency, where no Notice of Default has been recorded within ninety ( 90 ) days. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory, including, but not limited to, credit reporting repair and corrections, all state and federal tax liability satisfied on any monetary settlement, all statutory, exemplary, and punitive damages, plus an addtional ten percent, mesne profits ( to include sold at auction amount, rents received, all mortgage values of both principal and interest associated with the subject property ), and an immediate reimbursement of all amounts applied and assessed to the mortgage account at a compounded daily interest rate of ten percent via cashier 's check not drawn on Bank of America or any of their affiates, or on a bank that does not conduct business within the state of California. Not only must Bank of America pay me back, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, XXXX XXXX, XXXX funds since XXXX. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

I have a mortgage through Ditech Financial ( # XXXX ) and my XX/XX/XXXX payment was sent from my credit union online bill pay XXXX XXXX. It was received and cashed by Ditech on XXXX XXXX. My account has never been credited for this payment. I 've had XXXX conversations with customer service regarding this lost payment. I was initially asked to email the bank statement proving payment. The email went through and was not rejected or returned to sender. I called a few days later and they stated they never received the documents. I was then told by customer service to fax the proof of payment to them. I complied and the document was sent. I called back a few days later and they stated that it was now in review. The file has been in review for over 4 weeks and every time I call for an update they ask me to fax in the same documentation proving the payment was made. This is even after they have confirmed that the original proof payment was submitted and the file is in review. This feels like theft to me and their customer service has not been helpful in finding a solution. Please help me.
Consumer complaint received 2016-07-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (NY)

Selene Finance refuses to engage in loss mitigation options with me. I am willing to do a short sale and or a loan modification. They also refused to validate the debt. I have a foreclosure sale date scheduled for this Friday, XXXX XXXX, 2016. I need time to work my options out with the bank and need the CFPB to intervene because Selene Finance has been reluctant to assist. I have an FHA MORTGAGE AND WAS NEVER PRESENTED THE OPPORTUNITY WITH A FACE TO FACE MEETING WITH A HUD COUNSELOR AS FEDERAL LAW REQUIRES THEM TO AND AS WELL AS MY MORTGAGE CONTRACT.
Consumer complaint received 2017-01-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I was a victim of identity theft and noticed a collection from Central Financial Control I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central Financial Control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc. (CA)

My mortgage servicing company has improperly calculated my escrow payments. I have repeatedly told them that they have n't calculated my escrow account properly but they will not change it. I currently pay about {$110.00} per month than what I should. The mortgage servicing company has inflated the tax basis of my property. They also established this escrow account without my permission.
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

An erroneous deposit was made in my checking account XXXX XXXX, 2016 in my account with Bank of America. The check was endorsed for deposit only in my business account with XXXX. Bank of America accepted the check and credited my joint personal account. Then, they erroneously charged my account and claimed the funds were transferred back to XXXX XXXX. XXXX XXXX claims the never received the fund.