davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CA)

I found out that Midland Funding LLC add a collection account in my XXXX credit report. This account does n't appear in the other XXXX Credit The actual amount that appears as a collection is {$8000.00} dollars. In the report appears that the account was open in XX/XX/XXXX and on XX/XX/XXXX for {$5500.00} dollars. It shows " XXXX '' past due, Status : Collection. Also, appears on my credit report : Factoring Company, Original Creditor : XXXX. I called Midland funding and they told me that this account has a judgment against me issued in XX/XX/XXXX. They did n't want to provide me with the original account number or creditor, they told me to go to the court if I need any information. XXXX the person at Midland told me this account was originally delinquent in XX/XX/XXXX and then when I asked her who was the original creditor she said I can not give you any more information because you already have a judgment in this account. I never opened any account with XXXX. If the account was delinquent in XX/XX/XXXX how can i have a judgment against me in XX/XX/XXXX!!! I do n't know what to do. I was never served or had any information about this to dispute it and defend myself. I never got the judgment either. I do n't understand how a judge could judge a debt against me without documents that proved the debt or the identity of the person. 
I am complaining about not receiving a notice of right to dispute the false debt and for no receiving information about the account number, amount of the debt, or name of the original creditor.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENCORE CAPITAL GROUP INC. (TX)

I am aware of what this credit card debt is and it is well over 7 years old, which is well over the statute of limitations for debt collectors to collect this debt. It 's so old it should no longer be reported on my credit report which is causing me financial harm and XXXX in trying to get a home mortgage.
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MO)

I was contacted by Diversified Consultants , Inc, XXXX XXXX at XXXX regarding an outstanding balance from XXXX XXXX XXXX. XXXX specifically communicated by our arrangement to settle the debt that XXXX XXXX XXXX would restore my account to good standing so I could restore any services with them nor require additional payment and no further collection or issues would exist. Well, that 's not the case. XXXX is not back tracking after I contacted her XXXX/XXXX/16 stating if XXXX XXXX XXXX wants to continue to collect the difference of the settlement or {$180.00} that is their prerogative. In addition to XXXX XXXX XXXX not allowing any new services they have now hired a new collector, XXXX XXXX XXXX , XXXX at XXXX. I have since spoke to XXXX 's manager, XXXX XXXX at XXXX who is stating XXXX XXXX XXXX can continue to collect. I explained to XXXX he then needs to pull the recorded conversation on file to validate my inquiry as valid and conclude I was mislead or lied to by XXXX. Having XXXX XXXX XXXX restore my account to good standing with no further payment was the reason I agreed to the arrangement and now it 's the one thing not happening not to mention more collection notices from the new Collection Agency.
Consumer complaint received 2016-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION (IL)

I have had fraud issues with my loan including receiving letters from companies with incorrect loan balances, wrong contact phone number to contact them, wrong address to contact them, and servicer information listed on the national student loan data base listed as banks that are no longer in business. I have also been given addresses of closed banks as my servicer. I was even told that no one knows where my loans currently are held by XXXX
Consumer complaint received 2015-08-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX/XXXX/2015, I went to a Bank of America ATM, located at XXXX XXXX XXXX, XXXX MA. When I went to the ATM, I deposited {$550.00} in cash and {$320.00} in checks. It processed the cash and " ate '' the checks - it took them into the machine and failed to acknowledge the action. It gave me no option to return the checks to me. 

I immediately called Bank of America and alerted them that the ATM had not confirmed my check deposit and was not following typical behavior. I was told that it was 'not a problem ' and that in 3 business days the checks would appear on my account. After 3 business days, I did not see the checks so I called Bank of America. 

They told me then, that they would investigate the issue and get back to me within '6 weeks. ' They temporarily gave me the missing {$320.00}. After 6 weeks, I was told that I was out of luck - that I had to have the checks reissued, and that there was nothing they could do. They then removed the {$320.00} from my account. I raised the issue again, as I feel this is unacceptable, and they took another 3 days to look further into the matter before restating that there was n't anything they could do. They could locate my transaction ( the deposited {$550.00} in cash during the same transaction ) but 'could not locate the checks. '
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XXXX. I have been making payments on time since XXXX. I contacted XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

there is a item on my credit report that i can't identify and have tried to dispute the item but is having a hard time doing so with equifax, nor can i get the original contract or documents to prove accuracy of this item it's on my credit report from XXXX XXXX XXXX {$1300.00} i'm in need of information so that i can prove ownership
Consumer complaint received 2016-04-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have a HELOC with Bank of America. It was originally written by Countrywide and sold some years ago to BOA. I have a BOA checking account used exclusively to autodraft my monthly interest payments to the BOA payment center for this loan. 

I just learned today that the autodrafts were stopped and my loan is in foreclosure. No one at the branch bank could explain this. They put me on the phone with BOA mortgage, which then sent me to the foreclosure department, where was told that a Reinstatement Letter was being faxed with my amount due on it, and that i would have it in 1-2 hours, and then could obtain a cashiers check from the my BOA branch, which they could overnight. After that I would have to call and write several other people to get my credit reinstated and the attorney fees and late fees returned to me. This took 90 minutes on the phone while in my branch office The fax number I gave was my branch managers number. 

When I returned, I was told no one received a fax. I had to call the Foreclosure department again, who this time told me it was impossible to get an amount to pay them for three days. 

The underlying facts are : I have the money in my BOA account. I never stopped the autodrafts. No one at BOA can explain how they stopped - not even their technical support division. No one at BOA will ALLOW me to pay them. And, they have found a way to add unknown late fees and attorney costs - while destoying my creditworthiness to all - without my knowledge and while I was enrolled in their system to make all payments promptly. 

ALL of my recurring payments - XXXX mortgages, utility bills and alarm monitoring at XXXX properties in XXXX states, etc. are handled using automatic drafting because I travel for months at a time and am not present to make payments or to receive mail. BOA has designed a system in which its customers are put at great risk.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (IN)

We were denied credit and the bank said there is an American Express collection on our credit reports. There are XXXX account numbers listed for XXXX collection. We made another complaint and the response had NOTHING to do with our request. Please publish this issue as its unacceptable to not respond correctly. We are currently seeking other avenues to complain as well. We need either a XXXX or a payoff to remedy this debt. American Express can not ignore, legally, this request. Numerous calls to American Express have been futile as their call center is in XXXX and they can not pull up information or send information needed. We have also emailed the corporate office and will make a complaint with the department of corporations as that office has not responded. Calls to the corporate office are also futile. The XXXX account numbers end in XXXX and XXXX. Not sure what this means? This is affecting our ability to borrow money and the fact that American Express does not respond appropriately is not allowed by law as we have requested via phone and email and will send a letter today to their corporate office so also by mail as of XX/XX/XXXX ( today ) a response that is valid to satisfy this debt on credit.
Consumer complaint received 2024-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (DE)

Navient account was on my credit report from a private student loan for a school that I XXXX  in XXXX. The school was named XXXX XXXX XXXX located in XXXX. The school was shut down due to being a fraud school years ago .At the time XXXX XXXX XXXX their loans. Then Navient bought them. I paid on that loan for many years which the sum was {$XXXX} around about XXXXThis loan is now XXXX years old. And Navient placed a charge off on my credit report this year in XXXX and took XXXX points from my XXXX XXXX. I believe thats unfair that they can take XXXX points off your XXXX XXXX and still want the same amount of money for a loan that I paid on for years and the balance still remains the same. This loan was also included in XXXX  because my mom was a co-signer on the account. She filed many years ago. Navient knows this loan is fraud and still wants money. This school was shut down for being a paper mill with false practices financially for students. And their loans as well. I shouldnt have to be paying Navient for a school that closed down for false misreputation.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/XXXX i wrote a check for {$450.00} to my XXXX for storm damage repairs. I mailed off the check and the check was deposited on XX/XX/XXXX i have the picture of the check and the bank where it was deposited at on my Wells Fargo statement. 

On XX/XX/XXXX Wells Fargo reversed the check and did not notify me at all. I missed seeing the reversal on my account so it went unnoticed till XX/XX/XXXX when i got a letter from the XXXX attorneys stating i have not paid the required fees for the storm damage. read more of the letter and I am on the hook for the attorney fess and interest on the fee, so the new total amount due is {$620.00}. 

if the check was not reversed i would not have gotten a letter from the XXXX attorneys or additional fees added. I have a complaint open with Wells Fargo but they have not responded. Also I had more than enough funds in the account at the time the check was taken out so low balance was not the issue.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I am attempting to use the card to make an online purchase where the billing address zip code is required. I have attempted to contact American Express to get one, or register the card so that I can use it. All attempts to contact the company by phone or online have failed, there is no option on their contact numbers to speak to an agent, and one number puts you into a survey / sales pitch loop, then hangs up.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXXXXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the mentioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-03-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Holloway Credit Solutions (AL)

XXXX posted a collection on my credit report and they have never contacted me regarding a bill. I still to this day use XXXX and have never been told even when i have an appointment. I called them and they stated that they would check and return my call. Two weeks later i called again and was told the same thing. To this day i do not know if I owe a debt or not. If i still use them you would think that they would tell me.
Consumer complaint received 2024-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (AR)

Ive been making payments off and on since 2004 when I wasnt in forbearance or deferment. It seems my balance only grows and I started making payments starting with Ed financial and the loans has been traded or sold a few times. I dont think all my payments have been recorded correctly and the interest rates have changed. I feel my balance should be considerably lower but cant find my history of all payments made. I do have lots of money order receipts, but maybe not all of them
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX : Account # ending XXXX with the balance of {$5200.00} result in CHARGE OFF. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I have had a very difficult time with Indy Mac. I have tried to submit for a loan modification. I was never able to communicate to the same person which always caused confusion. Indy Mac always seemed to lose my paper work, which I constantly had to re fax. My loan adjusted last year and was no help or information from Indy Mac.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 informationisinaccurate.
Consumer complaint received 2024-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concord Servicing Corporation (TX)

Re : Disputed Debt - XXXX XXXX XXXX XXXX  I received a mail ( with your website printed on it ) regarding the debt collection for the XXXX XXXX XXXX XXXX allegedly installed at my residence. I vehemently dispute this debt. 

The installation was fraudulent, done without my consent or authorization by my ex boyfriend while I was away working out of state. I called and emailed the two companies involved ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX CANCELED THE LOAN. ( I have the cancellation email ). I have consistently contested this since inception. 

Despite numerous calls and emails to XXXX XXXX to come pick up their panels. They made me feel so bad and I cried on this everyday because they either kept me on hold or hang up phone on me on several times. But because they didnt even get the proper approval from my HOA ( they sent application form to my HOA without my consent ). HOA started threatening my mortgage and I had to remove the panels from my roof and its kept save at a storage. However, unbeknownst to me, XXXX continued charging my card. I repeatedly requested XXXX XXXX to remove their panels, to no avail. 

I emphasize : I do not own these panels, nor did I engage in any business with XXXX XXXX XXXX XXXX 

Attached is the cancellation email from XXXX, corroborating my claims. I request : 1. Immediate cessation of debt collection efforts. 
2. Removal of the fraudulent charges.

3. Moving of solar the solar panels from storage 4. Refund all charges from my card 5. Remove this debt as lien from my mortgage I appreciate your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached is Cancellation email from XXXX and some others
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NH)

More recently, Navient decided that I can not decide to apply my extra payments to all principal if I wanted to. Like usual with all important changes I do not receive proper notice that I can not decide how to apply my extra payments to wherever I see fit for my best interests. For instance, my lender changed from XXXX to Navient and I received no communication of this or the impact to me on my obligations to now Navient. Is n't that illegal if my lender changes without me being notified? ( And to be clear its my lender that changed not the servicer ). 
Also, they do not communicate interest rate changes outside of regular statements you receive. In addition, I fail to understand how someone with good credit and a great history of repayment still pays more than someone applying for a new loan. Their decisions on how to decide interest rates for customers are suspect.