davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-20
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 have received automated calls from a company calling themselves Portfolio Recovery stating that they have received a bad check through their office with my bank information, routing number and social security number and to press XXXX to speak with a representative. They will come on the line, verify my number and last XXXX digits of social security number then place me on hold to look up my file. The never come back to the line. After XXXX minutes or so the line goes dead.
Consumer complaint received 2017-03-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have repeatedly requested that MIdland Fuding provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2016-09-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery Accosiates added an account to my credit file and I have no idea what this account is. I know this account is not mine and must be removed ASAP. I pay my bills, and I do not owe any money to this company or their client. This is a fraudulent collection and must be removed. The following information is all I have on this account. Please remove. 

Account Number : XXXX Amount Owed : {$720.00} Date Opened : XXXX/XXXX/2014
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

A few years ago I opened FREE checking account in Bank Of America, in XXXX, Oregon. I had to follow few simply rules as not using teller services, only ATM, and I pad no fees. Few weeks ago I have noticed that while still following rules I agreed, I was being charged {$12.00} per month fee for having this account. 
I called, I visited in person and was told that type of free account I opened do not exist anymore. I closed my " free '' checking account immediately. 
Bank of America used " bait and switch '' tactics in order to trick a lot of consumers, I supposed, into paying monthly fees. 
I have no idea for how many months I was paying $ XXXX monthly fee without my knowledge, but I am quite sure I ma not the only one who was tricked by BofA ( in Oregon at least ). In my opinion switching free account into $ XXXX monthly fee account was purposely designed trick. More than receiving paid fees, I would to ask to investigate BofA banking practices and I offer to provide more information and comments if needed.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NE)

RE : Case number : XXXX NOTE : See attached hazard insurance payments ( 2 ) from XXXX. 
The attached PDF file with the cancelled checks from the hazard insurance company shows that there were two payments to XXXX XXXX XXXX to completely pay the insurance in full. The annual premium was {$1900.00}. XXXX XXXX received the first payment on XXXX/XXXX/XXXX in the amount of {$1300.00}, and the second payment received on XXXX/XXXX/XXXX in the amount of {$550.00} totaling {$1900.00}. The mortgage was sold from XXXX XXXX to Loan Care on XXXX XXXX, XXXX several months after the Hazard insurance was paid in full and all monthly statements and final escrow statements from XXXX for the XXXX transition was paid in full and in good standing. 

Loan Care 's response to case number XXXX dated XXXX XXXX XXXX obviously did not review their own documents they attached to the response of the original complaint. The transition documents from the seller ( XXXX XXXX ) and the Buyer ( Loan Care ) shows there was no escrow shortage in the account and all escrow was paid and up to date. THERE WAS NO ADDITIONAL OR DUPLICATE PAYMENTS IN EXCESS OF THE PREMIUM AMOUNT AS THEY ARE STATING IN THEIR XXXX/XXXX/XXXX CFPB RESPONSE ( Case number : XXXX ). 

Within the last couple months, I unfortunately paid what was suppose to be the shortage with Loan Care on XXXX/XXXX/XXXX in the amount of {$460.00} that I want refunded to me as soon as possible.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MI)

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. 
account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 information is inaccurate. 
Sincerely,
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (CT)

A hard inquiry was made on my credit on XXXXXXXX by FEB/DESTINY and I did not apply or attempted to apply any sort of credit hard. I have no knowledge of this inquiry and no information from the company was provided to me
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I mistakenly underpaid my XXXX credit card balance to Bank of American by {$10.00}. The amount due was {$730.00} and I paid {$720.00}. As a result, interest was charged to my account the following month. However, that particular month I had an unusually high bill because I had gone on vacation : total new charges were {$5300.00}. Nevertheless, the bank charged me interest on that amount in addition to the unpaid {$10.00} balance. This was keeping in line with their policy of charging interest on newly accrued charges if the previous month 's balance was not paid off in full. As a result, {$39.00} in interest was charged to my account. I did not notice the charge until the following month. Even though I paid the {$5300.00}, the following month I was charged {$44.00} in interest because of the {$10.00} balance which I had not noticed. After calling the bank to explain the situation, they agreed to refund the second interest charge " as a courtesy '' but not the first. I do question the ethics of having a rule that allows interest to be charged on newly accrued balances regardless of the past amount due. I have a history of always paying off my credit card balances in full and have always been a good customer. This however, did not sway the bank whose customer service representative stated to me that she thought their offer was " more than fair. '' I disagree. To have to pay {$39.00} in interest on an unpaid {$10.00} balance when I have been an outstanding customer for many years seems unreasonable and I would like this amount refunded.
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> COMPLETE CREDIT SOLUTION XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Fraudulent Charge Account Number : XXXX Dear XXXX, Subject : Dispute Under 15 U.S.C. 1692 Account Inquiry for {$11000.00} Dear XXXX, I am writing to formally dispute an amount of {$11000.00} associated with my account, as outlined under 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ). I believe this charge is inaccurate and may have originated from an error or fraudulent activity.

Please provide me with a detailed account of this charge, including any documentation that substantiates its validity. I am entitled to this information under the Fair Debt Collection Practices Act and would appreciate your prompt cooperation. 
Thank you for your attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Here the nutshell version ... ... .My ( now ) ex-husband and I filed for divorce in XXXX, and I moved out of our house in XXXX that year. As part of the divorce proceedings, we also ended up having to file for bankruptcy which was finalized/discharged in XX/XX/XXXX. Shortly after that, believing that the bank would soon be taking over the house, my ex-husband also moved out of the house. Bank of America, the mortgage holder on the house, was notified of the divorce proceedings and the discharge by our bankruptcy attorney. B of A continued to send statements to us, requesting payment on the mortgage & home equity line. I made multiple calls, advising the bank of the bankruptcy discharge, and I faxed the Discharge Notice to B of A at least XXXX times over the next six or eight months because nobody seemed to have any notation of it in our file. This has literally gone on for years until I finally filed a complaint with the Consumer Financial Protection Bureau in XXXX XXXX. Once I filed the complaint, B of A " expedited '' the processing of the discharge and it seemed like everything was going to move along swiftly. When there was a lull in the processing, I filed a XXXX complaint with the Consuer Financial Protection Bureau ( in XXXX XXXX ), and B of A seemed to get back on track. However, B of A STILL has not completed this matter. I really do n't know what else to do ... .... I 've tried contacting a couple attorneys to get some help, but nobody is interested in taking this on. I 've also contacted the XXXX who says they ca n't do anything .... B of A continues to drag their feet, and I am feeling like this is bordering on negligence on the part of the bank. Nobody seems to know where I should file any type of formal complaint against the Bank - who does Bank of America answer to? There must be some governing body that they report to .... What are my options at this point? How do I get the bank to actually expedite and finalize this matter?
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. (MS)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general
if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

Equifax deleted then re-inserted a collection account that is not mine. 

Please see former complaint. I will copy and paste the info for your review. 

Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The XXXX account XXXX has been deleted from the credit file. Written confirmation has been mailed. 
Relief XXXX account for XXXX XXXX XXXX has been deleted from the credit file per the credit grantor. 

Response *Equifax reviewed the complaint, its records and initiated a reinvestigation. 
*Equifax did not receive any additional communications from the consumer during the review of the complaint. 
*Equifax will mail the results of the reinvestigation within 30 days.
Consumer complaint received 2016-09-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: California Business Bureau, Inc. (CA)

The XXXX XXXX XXXX billed me for {$120.00} in late XXXX and I never knew about this charge until a few months later when apparently a collections agency, California Business Bureau, was put on the case. When I finally heard from the California Business Bureau in XXXX XXXX, I paid off the debt immediately in full. I had called them last week regarding this affecting my credit almost 4 years later as it was never disclosed that this would affect my credit score and, as a result, there was no disclosure that I had the right to dispute this affecting my credit. When I called, I was put on hold over almost an hour, just to get a representative who was extremely accusatory and said that they had sent a bill to a particular address. This address was NOT correct, and was a version of my address with typos in it. The representative was aggressively asserting that I must have gotten their bill since they did n't receive any " return mail '' but I know that is impossible because she did n't even have the correct address on file for me. In addition, she said they made several attempts to call. I never received any phone calls or voicemails from anyone telling me that they were calling to collect a debt for the XXXX XXXX XXXX. I am not going to stand for my credit being affected by XXXX points just because this debt collection agency could n't get my address right or properly make contact with me when billing me. It 's clear that the way this collections agency handles business is extremely unprofessional as illustrated by their numerous negative XXXX and XXXX reviews. I was told by the XXXX to contact the XXXX XXXX XXXX XXXX XXXX and I wanted to make sure that everyone knows this is the manner in which they conduct business -- affecting your credit score for years after a mistake on their end, just to insist they were not at fault and berate you on the phone after putting you on hold for an hour.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CO)

The lender placed the file in review and did not postpone sale for this review - the lender is in violation of Dual Tracking. The lender also is not allowing the time in which the client has to appeal the decision on the review for loss mitt. The loan was denied on XX/XX/2017 due to not being able to get the pmt to 31 % and it was stated that the LTV was to low to modify the loan - The lender should offer additional options. The property is value is higher than the current loan balance and the lender has not provided how they calculated the LTV - the lender is also in violation of RESPA - We are asserting a violation of the dual tracking provisions of Regulation X sections 1024.41 ( f ), 1024.41 ( g ), or 1024.41 ( j ). We were told today that the sale is still set b/c the lender has " completed review and is now issuing a denial '' - to which we still have no valid reason for nor have our clients been granted an appeal period. The borrower does not yet even have a letter stating such reason for notification of denial. RESPA : ( 2 ) Deadlines. A servicer shall permit a borrower to make an appeal within 14 days after the servicer provides the offer of a loss mitigation option to the borrower pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section. ( g ) Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) The servicer has sent the borrower a notice pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section that the borrower is not eligible for any loss mitigation option and the appeal process in paragraph ( h ) of this section is not applicable, the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied ; Sale date they ( did not postpone during review ) - dual tracking, is less than 14 days away ( appeal period )
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I filed a report with HSBC in reference to a few fraudulent charges on my checking account on XXXX XXXX 2016. When I spoke to a representative from the fraud investigation department they had stated that I would be receiving a provisional credit while the investigation is going on. I waited after 10 business days and still did not recieve a provisional credit. I contacted the representative that was handling my case and she stated that the provisional credit was denied. I inquired why and she did not provide me with a valid reason and continued stating that I need to take liability for the loss of money in my bank account. I told her that I need the provisional credit to provide me some relief since a large sum of money has been taken out of my account without my permission. She was unsympathetic and continued with her statements that I will have to wait until the whole investigation is over. I stated to her that I am at a loss and I have financial obligations. She stated that she could not issue a provisional credit and I could talk to the supervisor. I spoke to the supervisor and he continued to speak to me in a derogatory manner. I stated that I wanted more information on why my provisional credit was declined. He stated that I needed to be more careful with my debit card and basically put all the blame on me instead of offering me support. I stated if he could authorize a provisional credit since I had pending financial obligations. He continued to state that it was my fault for the fraudulent charges and due to that I need to wait until the whole investigation is completed. I stated that I have followed through with all requirements including filing a police report and mailing the fraud claim form. He stated to me that I will have to file a police report in every state where the fraudulent transactions took place. I stated that I was not informed by the woman who is handling my case that I need to do that. I stated that I want in writing in regards to the policy that HSBC utilizes when handling fraudulent transactions. He did not comply. I told the supervisor that I am deeply unsatisfied with HSBC and would appreciate if I could get provisional credit. He declined my request and continued blaming me that I caused the situation that I am in.
Consumer complaint received 2016-04-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received two calls from Portfolio Recovery from XXXX different numbers both on XXXX XXXX, 2016. The first number was XXXX and they called at XXXX EST and the second call was from XXXX and they called at XXXX EST. The number that they are calling is my work number and I have asked several times that they do not contact me at work and they continue to do so. They have my cell phone number. I have spoken with a rep by the name of XXXX XXXX and again I have asked that they do not contact me at work. The rep stated that they would continue because I refuse to answer my personal cell number. I have asked them to provide proof of debt in writing and each time they have told me no. I would like for them to stop calling me I have been reprimanded for their unwanted phone calls.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection : XXXXXXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Former : XXXX XXXX Former : XXXX XXXX