davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Kirkland Asset Management LLC (MN)

I was contacted on XXXX by a company called XXXX. I asked what this was concerning and they said it had something to do with Legal Papers. I asked what type of company Kirkland Management was. They said they did not know. I was contacted the week prior by XXXX XXXX also. At that time, I did not disclose who I was and said I was a Friend of mine answering a phone call. They said I was to call XXXX for more info. I asked them as a 3rd party what it was concerning and they said it was a Judgement in a XXXX Court. Disclosing info such as this to an assumed 3rd party is illegal to my knowledge per the FDCPA, as is saying it concerns Legal Papers to a 1st party. I called Kirkland Management. The person that answered the phone was named XXXX. I asked XXXX what this was concerning. He did not give the company name or tell me they were a debt collection service upon answering. I asked what the Judgement in A XXXX court was about. He asked if I had a case ID. I said I did not. He verified my birthday and said the ID # was XXXX. He then put me on hold for XXXX minutes. At that point, XXXX answered. He told me the call was being recorded for quality assurance and that this was an attempt to collect a debt and that all info will be used for that purpose. He asked for the last four numbers of my SSN. I apprehensively gave them to him. I asked what was the Judgement in a XXXX Court was about. I asked if he knew that saying there was a Judgement in a XXXX Court was illegal per the FDCPA. He acknowledged that he knew that. We went back and forth over this and I told him that today they said it concerned Legal Papers. He would acknowledge this as being an illegal tactic also. I informed him that as a representative of Kirkland Management that it is as if Kirkland Management said it to me. He asked me if it was a recording or if I spoke to someone directly. I informed him I spoke to a person. His reply was " Wow! ". He said he would have liked to have heard what they said. I assured him that is what they said. He said he was n't calling me a liar, but again, would have liked to hear them say that. I told him I was filing a complaint with the FTC over these two issues. We went back and forth for a few more minutes before the call was terminated. Before hanging up, I told him not to call this number and that if they wanted to contact me, that they would have to do it through the mail. He said OK. I did record this call, but must buy the whole version of the app to do so. I will buy it when I get my next Social Security Check in XXXX.
Consumer complaint received 2015-12-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a mortgage with Bank of America. My husband passed awayso I asked for a loan modification. Bank of America asked me to not paythe mortgage while they are processing the modification. I did everythingthey instructed me to do. Before that I was not late on my mortgage. 
I was waiting on my modification, they were behind my back trying toforeclose on my home. This bank has done so much wrong to me. 
They just kept giving me the run around. They asked me to send thesame papers over and over again. They always stated that they did notreceive it. Then they denied me a modification several times. Pleasehelp me.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (DC)

I obtained, after XXXX years of applying to SunTrust, a modification this summer. I contacted my single point of contact in XXXX multiple times to note that I had an unforeseen circumstance in the business and needed a waiver of the trial period. I made XXXX of XXXX payments timely. I did not hear back from SunTrust on any calls or request to speak. It seems to me that the simple and efficient way to workout the temporary setback is to waive the trial period and/or reinstate the loan as modified.
Consumer complaint received 2015-09-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I signed up for an account with 5/3 after they advertised a promotion to giveyou {$53.00} for free if you signed up when they first opened. They gave me anadditional {$53.00} for shredding my other bank 's ATM card in front of them. I wasrequired to deposit {$50.00} in the account to open it. In 2012, they closed mychecking account without my knowledge and without notification. Apparently, they have been deducting money from my savings account since 2012 forinactivity on the account. I received a notice a few weeks ago that it was the '' final notice '' even though it was the first I received, that my account wasactually in a NEGATIVE status and they were going to send me to collections. 
They have taken all of my {$150.00} and actually taken it to a negative balancewithout giving me any notifications along the way. I never received anythingstating that money was being deducted from my account. I called the branchmanager and was told I can only dispute transactions 60 days old or less, andthat the only thing she could do for me was refund me {$11.00} and close theaccount. I offered a resolution to the company to refund me the {$50.00} I openedthe account with and they could keep the more than XXXX of the money they havetaken from me. I was told by XXXX XXXX, office of the president, thatthey would do nothing more than the {$11.00} they refunded. She did n't care thatI told her I would pursue this, and found that it would be worth the {$39.00} Ioffered as a resolution to fight it. 
They maintain that because there was not a checking account, the drafts werevalid. However, THEY CLOSED THE CHECKING ACCOUNT, not me, and they did sowithout notice and without sending me any notifications ( even annual orquarterly ). 
As I am now having to take this beyond the better business bureau, I would likemy entire {$150.00} back that they deducted from my account. 

Fifth Third will respond to this with statements showing the deductions taking place. The question to ask, however, is when were these sent to me? They were not sent to me, neither annually, nor even quarterly. They maintain that it was my job to log in online and notice them taking money from my account.
Consumer complaint received 2015-05-14
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (NC)

To Whom It May Concern : My father is XXXX since XX/XX/XXXX and lives on a very low monthly budget. I was going through some of his mortgage papers to see if we could get help with his mortgage and found out that he has an XXXX mortgage on his home for repairs through a company called XXXX XXXX who give out bad loans to consumers with no knowledge of the mortgage industry, and I know that my father would not had no idea of what he was signing and the company could not have told him that he was signing a loan that when he make a payment nothing goes towards the principle. This company, XXXX XXXX has been known for violating mortgage underwriting practices just to close bad loans that cost taxpayers millions of dollars and hurt neighborhoods when the houses go into foreclosure. Although they are an FHA lender the loan in question should n't have been approved. Now my father has a {$32000.00} loan that he has had since XX/XX/XXXX, and here it is XX/XX/XXXX and he still owe {$32000.00}, and it has been sold several times to other companies like Ocwen Mortgage who has multiple law suits in XX/XX/XXXX and have lost cases due to robot signing or missing assignments coupled with an inability to produce escrow and settlement statements demonstrates a deliberate concealment of the ownership of the borrower 's mortgage debt obligation and the actual lender to whom the borrower is indebted. Lack of the original note, failure to timely and accurately apply payments made by borrowers, charging borrowers unauthorized fees, providing false or misleading information make us believe that these companies are taking elderly people for their low budget and finance problems. State financial regulators, state attorneys general, and the CFPB uncovered substantial evidence that Ocwen violated state laws and the Dodd-Frank Act. We need help and my father does n't recall getting any papers that he could file a claim against either company. Please help us keep my father in his house. Thank you so much for all your help.
Consumer complaint received 2015-12-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO Bank, N.A. (IL)

I purchased a car XX/XX/XXXX and the loan was through BMO Harris Bank. I had to take a Chapter XXXX Bankruptcy XX/XX/XXXX. However, I was allowed to keep my car and make the rest of the payments IN FULL to a court-appointed trustee. I paid over {$11000.00} in principal and over {$800.00} in interest ( documentation attached ) to the trustee, who in turn paid BMO Harris Bank. I have completed all paybacks on my bankruptcy and yet Harris Bank ca n't seem to locate my title. They also turned me in to all XXXX credit report agencies as having over {$8000.00} " charged off as bad debt '' which is absolutely not true ( see attached documents ). I have spent hours on the phone, hours writing letter, and hours waiting for return calls that never come.
Consumer complaint received 2015-10-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Arcadia Holdings, LLC (VA)

I received an alert indicating that there was a collection amount on my credit report. Since I did not receive a notification, I did not get a chance to verify or refute the information submitted to the credit bureaus. 
I contacted the original creditor ( hospital ) to verify and get the issue resolved, but Arcadia will not remove the information. 
The information being reported has negatively impacting my credit.
Consumer complaint received 2015-10-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I purchased my auto from Nissan and financed the sale via Nissan Finance. I elected the FinanceSignatureDIRECTPAY system which allows for automatic payment withdrawal from my bank account. Nissan Financial has been taking my monthly payments directly from my bank account since the sale was made. For some reason - they say my paper work was late I say they delayed processing it - the first payment was delayed and therefore some subsequent payments, according to them, were late. Nissan Finance has been taking all payments out of my checking account on the XXXX of every month, none of those payment were late ( see attached payment record ). This problem is a bookkeeping issue on the part of Nissan Financial and should not affect my credit history. I made an " extra '' payment to this loan to fix the bookkeeping error on XXXX/XXXX/2014. Please have Nissan Financial correct the information they sent to the credit reporting agencies post-haste. 
Enclosed is a copy of my payment records from Nissan Financial 's web site supporting my position. Please investigate this matter and contact the national credit reporting companies to which they provided this information to have them delete the disputed item [ s ] as soon as possible. 
I tried to resolve this issue with your phone customer service reps to no avail.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor's Collection Service, Inc. (NC)

I had water service in XXXX VA back in 2011. In XXXX 2011 when I paid my bill I enclosed a note requesting service be discontinued on XXXX XXXX, 2011 because I was moving out of state. I left Virginia early on XXXX XXXX. I had a forwarding order in with the post office and never heard anything else from the water company. I recently discovered that I have XXXX collection accounts for that water service, both with different amounts. I disputed with the credit bureaus and requested proof from the collection agency, stating that since I only had service at XXXX location, I was concerned about having XXXX different collections. The collection agency sent paperwork which appears to show that XXXX collection account is for water service and XXXX collection account for collection fees. However, I noticed that water service was continued for almost 2 months after the date I had requested for disconnection. Furthermore, the last payment I made, placed into a water company drop box, was never credited. My deposit was also never credited. I was also never sent a final bill, so I was unable to dispute the charges for after I requested disconnection. Taking into account the deposit that was never credited and the the payment never credited, if the charges after I requested disconnect were removed, I believe the water company would actually owe me a refund. I absolutely feel the account for collection charges is wrong because if I am owed money, then how can I be charged collection fees? I do not believe the account for the balance is accurate, again because of unauthorized continuation of service and failure to credit payments and a deposit.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

My complaint is with Equifax credit reporting agency. I have repeatedly filed several disputes with them in regards to incorrect information reported by a mortgage company, XXXX XXXX, that comes back with the same or very minor information changed. I have asked them to verify and prove all information which would prove inaccuracys yet they continue to end dispute with no proper results made. I have done this particular dispute at the very least 10 times! This is why I am filing this complaint. I also will be filing a complaint againt XXXX XXXX. 
Thank you, I hope that you can help me. 
The issue is that I had XXXX mortgage with XXXX XXXX which was part of a chapter XXXX bankrupcy. XXXX XXXX has XXXX separate mortgage account numbers listed on my credit report. XXXX states a {$0.00} balance and that it was included and discharged in my bankrupcy which is accurate. Then they have a separate account that has a different account number but it is the same mortgage. They list the date the account was open by a few days different than the other. They have done this with all the dated information to have it appear as though it is a separate mortgage account. It is not! I only had XXXX mortgage at that time with XXXX XXXX. One of the excuses they give is that they say the mortgage listed in question was sold prior to the discharge in XX/XX/XXXX therefor they say they are allowed to report it. This is not true. Even if I did have another account anything prior to my chapter XXXX discharge in XXXX, would be part of my public record. XXXX XXXX continues to report on this account as recently as XXXX XXXX stating I am 120 days past due. I have explained this to XXXX several times and have pointed out the obvious discrepancies with this account from the date open, date closed, first delinquency, etc ... yet Equifax still allows XXXX to report this bogus information. The particular account in question even has a payment grid along with it that does n't even match up to the dates they have listed on this account. It is obvious harassment and I am so frustrated and upset that what appears to be an obvious and easy fix is continuing to still haunt me. XXXX XXXX is in complete violation with my FCRA by reporting on an account that was discharged in XX/XX/XXXX. 
I hope you can help me with Equifax to resolve this matter. I pay $ XXXX/mo for the services I have with Equifax yet they have done nothing to resolve this blatant error. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TMX Finance LLC (TX)

titlemax called me many time telling me to contact them. 

I answered one of their calls. told them I had no business with themthey called me a liarthey wanted me to give them personal information which would have allowed them identity fraud on methey kept telling me to XXXX payment and I never dealt with them ever in my life. 

I tried to be nice and explain they had the wrong person. 

when I asked how they got my phone number, they said it was in their " system '' they said I live in XXXX, I never lived in XXXX. I told them numersous times I did not live in XXXX, never did, they kept telling me I was a lair. and was lying to them. and to fess up and make payment. 

this is unacceptable harassment and trying to collect money from me and I never had had any dealing with themtheir phone number isXXXX
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THIS CREDIT REPORTING AGENCY TRANSUNION WAS TOLD IN A WRITTEN COMPLAINT THAT AN ITEM THAT JUST APPEARED ON MY TRANUNION CREDIT FILE ON XXXX/XXXX/2015 THAT THE ITEM WAS NOT MINE AND I DEMAND IT BE TAKING OFF AT ONCE AND THEY HAVE REFUSED TO REMOVE IT I REQUESTED THEM TO SEND ME THE ORIGINAL PAPERWORK TO PROVE THE ITEM IS MINE AS PER THE FCRA RULES AND THEY HAVE REFUSED THAT AS WELL THEY ARE IN VIOLATION OF FCRA RULES AND REGULATIONS AND I DEMAND THATHIS ITEM FROM A COMPANY XXXX FOR {$1700.00} THIS ITEM IS NOT MINE AND WANT IT REMOVED AT ONCE ... IT TAKES THEM XXXX DAYS TO REMOVE AN ITEM BUT ABOUT XXXX SECONDS TO PUT AN ITEM ON ...
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NJ)

Equifax has refused to send me a copy of my credit report several times this year. I sent the last and most recent request for my full report to Equifax in late XXXX 2015 because I 'd learned only recently that XXXX XXXX lowered my credit limit on a credit card I 'd had for more than a decade because of false information Equifax provided to it. Yet, as copies of letters to Equifax from earlier this year that are attached to XXXX previous CFPB complaints about Equifax demonstrate, I have asked for a complete, corrected copy of my credit report from Equifax several times this year but it has failed to provide it. There is no way I can know what false information Equifax continues to carry in my file or has newly added to it without being able to review my entire file. 

XXXX previous CFPB complaints against Equifax this year alone indicate a breathtaking amount of false information in my Equifax credit file, including that which significantly and intolerably undermines my identity. XXXX previous CFPB complaints about Equifax ( # XXXX, submitted on XXXX XXXX, 2015 ; and # XXXX, submitted on XXXX XXXX, 2015 ) document Equifax 's multiple stone wallings and denial of my rights that supposedly govern its operations. It has falsified my birthdate and refused to indicate where it got it from or why it inserted it into my credit file. 

Please force Equifax to provide me with a full, complete and accurate copy of my credit report immediately. It provided false information to XXXX XXXX and I have been denied credit and have been charged more there because of Equifax 's injury to me and its habitual refusals to comply with the law. ( A lower credit limit at XXXX XXXX entails fewer discounts on anything I buy there, and have bought there, this year. This drives up the price for all purchases at the store. )
Consumer complaint received 2015-10-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I 've had a checking, savings, pre-paid cards and business checking for 1 year with Fifth Third. I have had issues with the bank the entire time I had an account. The bill pay did n't work correctly and I called several times because the bills did n't get paid on the correct date that the bank GUARANTEED. I received debit cards for the business checking that never worked. One night we were in the bank in the winter, going in and out the branch because they did not have an inside ATM XXXX another disadvantage ) and the representative could not get the cards to work. They sent the cards several times and they never worked, meanwhile, we opened up other accounts elsewhere to service our business needs. We could never utilize the Fifth Third business account as we wanted to. I went in to close the account on XXXX/XXXX/2015 and the representative told me she could NOT close pre-paid cards at all. Also, she suggested I should wait a week so that the business account is 1 year old and I could avoid the {$50.00} fee. I call the XXXX number provided by her to close the pre-paid cards and they say I have to close the cards in the branch. I was very frustrated at this point. I go inside the branch on XXXX/XXXX/15 to close the pre-paids and speak with XXXX and she tells me that she can close the cards. I ask her to close the business and she tells me she can not waive the {$50.00} fee. I explain to her that the other representative told me I had to wait a week and the fee could be waived. She puts the disclosure dated XXXX2015 in my face and say 'you have to pay the fee '. I tell her about the unsatisfactory service with this branch, how we never got to use the account, and how many monthly service fees we have paid that should cover the closing fee. She does n't care, she 's quite arrogant, and refuses to help eventhough her staff mislead me into thinking the fee could be waived. It was not disclosed to me at the time of opening the account there was a closing fee indefinitely.She should have taken into consideration the inconvenience of going back and forth to the branch due to her staff lack of knowledge. I filed a complaint over the phone that night and I called XXXX/XXXX/2015 and there 's no proof of a complaint being filed and the representative states I have to go into the branch to file a complaint ... AGAIN! This branch is totally unprofessional and the manager is not training her staff properly.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

In the dispute linked to this NEW action item, Equifax stated the following : '' Explanation of closure - Equifax has reviewed the complaint and its records. XXXX account number **************** and XXXX account number XXXX has been updated. The disputed XXXX account numbers XXXX and XXXX are currently not reporting on the Equifax credit file. Written confirmation was mailed on XXXX/XXXX/15. " The DISPUTED account numbers they claim do not exist, even with the screen shots of their product, were never responded to. 

These Accounts - as evidenced by the original attachment in the original dispute, and then a new attachment specific to these accounts ( Equifax XXXX 's ) - are attached. These screen shots are from my report, in XXXX 's product. 

Once again Eq -1. Please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 
2. Delete the verbiage that says " Consumer disputes this account information ''
Consumer complaint received 2015-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There are XXXX addresses that are listed on my report that do not belong to me, but to my former spouse. They are : XXXX XXXX XXXX XXXX XXXX, XXXX Wa XXXX and XXXX XXXX Wa XXXX. I would like them removed from my credit report. I have never lived at these addresses.