davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 
Debt validation requests were sent on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GOLDMAN SACHS BANK USA (IL)

I am writing to you to determine whether my mortgage situation with Goldman Sachs falls under the purview of the XXXX XXXX XXXX. 

In XXXX XXXX, I refinanced my home with XXXX XXXX XXXX Mortgage. Six months after the refinance was finalized, my loan was sold to Goldman Sachs. XXXX XXXX has admitted the selling of loans during that time was a regular occurrence. XXXX XXXX continues service my loan. I can assume that based on possible redlining, my mortgage would fall under the subprime category and would have been attractive to Goldman Sachs.

The Statement of Fact from the DOJ settlement, states, For principal transactions, Goldman purchased groups or pools of loans from third parties prior to securitization. XXXX bought pools of mortgage loans from numerous lending institutions, or originators. These originators included XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others. Goldman acquired the loans through two primary channels : ( 1 ) bulk purchases of large portfolios of loans, and ( 2 ) acquisitions of smaller volumes of loans through Goldmans conduit program. 

The loan originators identified are those banks would later become major suspects in the home mortgage crisis. Although not named, Im pretty sure that loans from my lender XXXX XXXX were included in the Pool. 

I have confirmed with XXXX XXXX that Goldman Sachs is the primary investor on my mortgage. I have tried unsuccessfully ( in prior years ) to locate anyone within Goldman Sachs who was willing to discuss any type of relief for my situation. 

My property is distressed and underwater. During the height of the crisis, the foreclosure rate in my community was astronomical. Yet, I endured. My property value slide from a f $ XXXX to $ XXXX in the matter of a few years. However, I faithfully paid my mortgage on time. I believe that I am too impacted as a result of my relationship with Goldman Sachs.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

On or about XX/XX/XXXX when I had just turned XXXX, I applied online for a Discover Credit Card. I did not get a co-signer for the credit card application, and as a full-time XXXX XXXX XXXXt at the time, I only had nominal earnings, such as, babysitting. Perhaps my yearly income was around {$300.00}, and I did not provide any income verification, like pay stubs, as I only did the occasional job. I am now a XXXX XXXX, who just finished her XXXX XXXX, and only work during summers. I am still financially dependent on my parents and have substantial student loans. I am not earning sufficient income to support a credit card. 

According to section 301 of the Credit Card Accountability Responsibility and Disclosure Act, XXXX, which relates to extension of credit to minors, a consumer under XXXX years of age must meet one of two requirements before opening a credit card : The application must either include the signature of a co-signer who is at least XXXX years of age, or provide financial documentation of ability to repay debts accrued from the usage of the credit card. 

I did not satisfy either of these requirements on my online application. Therefore, this financial institution circumvented these terms and conditions.
Consumer complaint received 2018-01-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (MD)

I have made several attempts on my own to reach a understanding of the additional fees accumulating on my account and was unsuccessful. In XXXX of XXXX, I asked an attorney to assist with reaching a resolution. The attorney sent a letter and was able to get a full detailed record of the account in XXXX of XXXX but was unable to get a response to the request to explain the fees, which was the original request. The attorney representing me was referred to a attorney at Real Time Solutions and she was told they have only two attorney 's and they would get back to my representative as soon as they can. As of today, my attorney has followed-up with several phone calls and no return call or letter response received. I would like to reach a resolution for this account but unable to get answers from anyone. Its been more than six months and we have not been able to talk to someone.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Slovin & Associates Co., LPA (OH)

I received a court document that I was being sued by Slovin and Associates on behalf of XXXX XXXX XXXX XXXX, for the amount of {$4700.00}. There are 2 issues here in regards to them attempting to collect the incorrect amount. 

1. Not only is the documentation that they filed with XXXX XXXX XXXX almost entirely redacted/obfuscated, there are four pages that appear to be identical. In Exhibit A of the attached file, on pages 12 through 15, they are all identical ; same " Current Account Balance, '' and " Amount 's, '' all totaling {$100.00}. This is an attempt to collect money from me that is not due and the documents they sent to me are false. 

2. I have had health insurance for quite some time, and there is no way that the amount due was not covered by my insurance company. I have a low deductible on my insurance that would have covered that amount. But since all of the dates have been obfuscated, there is no way of confirming this with my insurance company, and there is no way I can protect myself against these charges.
Consumer complaint received 2024-10-07
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. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MA)

Im a XXXX XXXX holder. Last year I missed a payment. I had an auto pay ACH set up for XXXX per month. XXXX began taking XXXX per month from my bank account. I assumed this higher amount was addressing the back amount due. Now a year later they continue to take XXXX a month ( my actual purchases were less than XXXX ). The onus is on me for not looking at this sooner but I discovered theyve charged me a XXXX late fee every month. Where I attempted to work this out with them I was treated to rude behavior, hung up on and left on hold with no response. I feel they should take what theyve already gotten from me and call it a day. They refuse to do any more than 2 fee rebates and will only do that if I pay them XXXX ( XXXX more than the rebate theyre offering ). My balance after a year is still XXXX. I asked a supervisor to escalate my complaint ( I asked the first rep to put a complaint in and was later told they dont do that ) the supervisor ( XXXX ) told me Id have to write to them and that she was the highest person Id be speaking with. She offered the mailing address for my complaint then hung up before giving it. My account with them is XXXX. They have my name as XXXX XXXX, Ive been attempting to get them to change that ( mailed them a certified copy of my marriage cert in 2010 ). Still no name change. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-01-10
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: EQUIFAX, INC. (FL)

XXXX recently started reporting Re-Aged Disputed Mortgages that had already been removed over a year ago due to the 7 year Limitation. The Accounts last reported delinquent payment was in 2009. It  appears they simply removed the old Info and started re-reporting even with False information of a payment even though one was never sent and the Historical Information they provide clearly shows no payment has been received. The issue is compounded with trying to deal with Equifax. Even though Equifax has and was provided documents from themselves in the past they simply send back a letter saying XXXX states they reported correctly ( Information is blank or conflicting ). The agents in the call centers have no ability to do anything but re-dispute. When I have been able to actually speak to a empowered person like a supervisor at XXXX XXXX for example they actually review the documents with me and clearly see the issue with a resolution. The Equifax agents appear to be not USA based and never allow you to even get to the Survey to complain. I have actually let my phone sit on mute for almost a half hour to be hung up on. This same issue has happened to my husband 2 times in the last few months again with XXXX and Equifax. Equifax needs to fix its dispute system and XXXX needs to be held liable for the abuse of its reporting
Consumer complaint received 2019-02-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALLIANT CREDIT UNION (CA)

We bought a RV in XX/XX/XXXX and financed it through Alliant Credit Union The amount borrowed was {$44000.00}. 
My husband became very ill with XXXX and we had trouble making the payments on the RV They served us with papers demanding the full amount of the balance I had to get an attorney to help me while my husband was very ill and after he died. 
After my husband died, I sold the RV and wired Alliant Credit {$29000.00} toward the balance owed. 
They calculated a balance due of {$25000.00} owing through my attorney even though the actual balance owed was {$14000.00} plus their attorney fees. 
I also had to pay my attorney as well. 
They demanded that I pay {$450.00} per month until the balance was paid off. 
I paid the best I could on the balance as I am a widow who lost her husband 's income Alliant 's attorney obtained a Stipulated Judgement against me for the balance due and I could not afford to pay the {$450.00}. I made an agreement to pay {$150.00} per month until the balance is paid which I am paying. The balance is about {$3800.00} now They are reporting the account to the credit bureau as a balance sheet charge off which it is not as they are still receiving payments on the account/ They are reporting the account as being closed which it is not as it is still an open account. This is also damaging to my credit report. 
They are reporting the monthly amount being paid as {$450.00} which is not. This is damaging to my credit report as it increases my monthly obligations. 
Their inaccurate reporting to the credit bureau is hurting my credit when I am trying to reestablish my credit They opened the account in XX/XX/XXXX and then in order to damage my credit they reported the last payment of {$1700.00} was received in XX/XX/XXXX so they can keep reporting my account. 
I feel they have purposely submitted information to the credit bureau to damage my credit standing. 
If they have a stipulated judgement against me and I don't pay it, they can get a judgment against me. They don't need to keep reporting erroneous facts to the credit bureau. They are using the XX/XX/XXXX date in order to purposely keep reporting my account to the credit bureaus.
Consumer complaint received 2018-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: First Associates Loan Servicing LLC (NY)

I 'm an receiving debt collections calls from XXXX XXXX XXXX XXXX XXXX XXXX about an account that is not past due. I am being refused the option to speak wit ha supervisor about stopping the calls.
Consumer complaint received 2018-10-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2018 I went to well fargo XXXX XXXX XXXX XXXX to do an currency exchange for XXXX currency. The bank did not have the proper envelope to do the exchange advised me that they would get the correct envelope. The gave me a call about XXXX XXXX and I returned the bank around XXXX XXXX that day. I walked out of wells fargo with XXXX us dollars. Today at XXXX XXXX XXXX i was informed by wells fargo agent that the XXXX dollars were out of circulation and that Wells fargo would be debiting my account for the XXXX. The bank at the time should have known that the dollars where out of circulation.
Consumer complaint received 2018-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called to dispute money that was taken out of my account by Bank of America on approx. XX/XX/XXXX for XXXX and XXXX case number : XXXX case number : XXXX I opened this account for child support. Bank of America took money out of my child support money that I use for my child. SMH ....
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Collections, Inc. (TX)

We moved from XXXX to XXXX and went to XXXX XXXX to purchase furniture. They falsified financing information to me. I signed and agreed to pay {$1400.00} for furniture. The Company sent different paperwork after we got the furniture home. They are now trying to charge us {$3000.00}. I tried to set up a payment plan with the original financing Company. They denied money unless it was paid in full. This is unacceptable business practices from top to bottom.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NC)

I have never applied for a credit card until XXXX and it was with XXXX I have no idea who XXXX is. 
XXXX, FL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (PA)

I have two accounts with Td. They are both being closed. I have been a customer for 8 years. I asked corporate i I can send wires international. They said i can send as many as I want. 
I had recieved two wires in XXXX.. A {$3000.00}, {$1800.00} wire. They were put into my account before XXXX XXXX and taken out of my account. XXXX XXXX said they were handling it. My attorney called twice he never got a call back. They belong to XXXX and XXXX told me to have them call him. He does n't return their calls. He then intimadated me yesterday XXXX XXXX. He said to stop calling the branch managers and said have their banks call him in an aggressive tone of voice. Which they did. He does n't call them back or return their money. Professionally he should have reversed the money already. It 's been four weeks and both wires are missing and not returned. TD corporate said XXXX XXXX of XXXX XXXX has all the control. Good customer is not going on. I should not have to chase this guy.
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was having a hard time managing multiple checking accounts while going through my XXXX treatments, so I closed the one charging me monthly fees ( Bank of America Checking ). I closed this account from within my local branch ( the only way allowed ) and was told that it would be closed with a zero balance and all pending transactions ( including automatic payment to my credit card also with BoA ) were factored in. I was given incorrect information by the branch, and the payment to my credit card did not go through ( a tiny {$20.00} or {$40.00} amount ). Due to the bounceback from closing my checking, BoA put a restriction on the credit card payment system and did not allow me to make any payments on the account. I was not able to visit a local branch again due to being in the hospital for XXXX with my XXXX, and they listed the account as past due and closed my credit card, resulting in a 100 pt drop in my nearly perfect credit score.

In addition, when I called to attempt to resolve the issue ( a call placed while at my local branch ), I was given a trove a misinformation ( which was also given to the branch manager. They also ran my credit again without my permission when " looking into re-opening the closed account '', resulting in a hard inquiry that I did not place and further drop in my credit score.

Both of these issues have caused my credit score to drop.
Consumer complaint received 2018-01-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (GA)

XXXX : XXXX XXXX XXXX XXXX My husband and I purchased the vehicle mentioned above from a 3 party dealeXXXX XXXX XXXX XXXX. XXXX XXXX purchase the vehicle from a auction. 

This vehicle was repossessed from the owner, by the lien holder XXXX XXXX. However, there was a 2nd lien from XXXX. XXXX and XXXX from the XXXX store who stated I would have to pay the loan. I have no associate with the original owner ( XXXX XXXX ). WE NEED TO GET A TAG AND REGISTER THIS VEHICLE FOR OUR DAUGHTER.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XXXX-2018 I was advised by a law firm that my salaries were being garnished in XXXX County, GA, a county I have not lived in for over 23 years. I went to the county 's public records and XXXX XXXX  XXXX, XXXX filed an Affidavit for Continuing Garnishment and for disbursement funds to be issued to XXXX XXXX ( Attorney for Plaintiff ) -Bar # : XXXX, Tel : ( XXXX ) XXXX. 
I have not been notified of this ganishment ; I do not have any outstanding debt with XXXX XXXX XXXX, XXXX. ; the address Portfolio provided to the XXXX  County magistrate court for XXXX XXXX ( my employer ) is false, as it is instead the address of the courthouse in XXXX County. 
All of my outstanding debts are in good standing. It seems Portfolio is attempting to collect on a debt that has either passed its statute of limitations-as it is no longer on my credit report, or one that I do not owe.
Consumer complaint received 2018-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TX)

I am financing a vehicle via Wells Fargo Dealer Services. I earned a uniquely high interest rate for the auto loan and wonder if my race may have been the determining factor for the high interest rate. I am also wondering why the organization will only credit 3 prior months of overpayments toward the principal of the loan but have been reluctant to apply other prior overpayments. I was verbally informed that this change took effect in the Spring of 2017, yet I do not recall receiving any notification of such change. I used to be able to speak with a Wells Fargo Dealer Services Representative and have them apply all overpayments to my principal balance. I find this to be a bit concerning and would greatly appreciate any assistance and clarity you can gain on my behalf. Thank you for this amazing platform! 

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