davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2015-08-27
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Greene Finance Corporation (NC)

My recent complaint ending in XXXX was disputed because they referenced an old paid off loan. The loan # in dispute by me is # XXXX. I was not able to " opt out '' of credit life and XXXX on any of my loans prior, even though I 'm an insurance agent myself. This loan is very large now and worth as much as my car itself. Please have them explain my current loan status, not a paid off XXXX from 2014. I understand that the insurance paid by me is purely profit.
Consumer complaint received 2015-10-01
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (KY)

I am being called repeatedly because my name is the same as the debtor. I have called and provided the last XXXX of my social and the system has been updated repeatedly, but yet the calls keep coming up to 4 times a day. The issue should have been resolved last XXXX and the phone they are calling is used for my XXXX business.
Consumer complaint received 2024-11-11
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. (VA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 2015-06-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

My husband and I separated in XXXX 2014. We have a XXXX mortgage with Greentree XXXX. My husband did not / is not helping me financially with any of the bills we had. I contacted Greentree and requested forms to apply for a modification based on XXXX income XXXX mine ). They wanted the divorce decree. I had n't filed for divorce at that point due to the financial state I was in. I was granted a quit claim deed and my husband signed off on the house. My XXXX mortgage company XXXX XXXX XXXX quickly issued me a modification based on XXXX income. Greentree would not accept the quit claim deed and wanted my husbands financial information. I explained to them he does n't live there anymore and will not provide me with his income or expenses. He then was out of work with absolutely no income from mid XXXX thru late XXXX. I have tried to provide everything and anything to Greentree to request assistance with paying my XXXX mortgage and they refuse to do anything until I provide a divorce decree. I have filed but am in the 90 day waiting period that PA has for divorces. I receive telephone calls on my cell phone, and at work, at the minimum of XXXX to XXXX times a day. I always get the same person ( XXXX XXXX and she is very nasty and likes to remind me that I am a mother and need to keep a roof over my sons head so I need to pay my bills and she is a single mother and manages to do it, why cant I? I have blocked every number possible but they still get thru and leave numerous messages on both my cell and work voicemails. I am current with my XXXX mortgage and certainly do n't want to lose my house over a {$14000.00} loan that I can repay with a little assistance. They refuse to work with me and harass me every day of the week.
Consumer complaint received 2015-10-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (OH)

I am a Rushcard victim who has not been able to access my money for eight days. Rushcard did a system upgrade with a glitch in it causing thousands to be without their money. In my case they put my direct deposit on expired Rushcards instead of the new cards I have been using since XXXX 2015. I have emailed, called just to be hung up on, spoken with different Customer Service Reps just to be told different things. When you call they act like they do n't know how to help you or they are just plain rude. People ca n't pay bills, ca n't feed their kids, ca n't make it to work, has lost jobs behind XXXX XXXX Rushcard. We trusted him to protect our money who is going to protect us from him. Please help
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft and fraud. There is an account on my credit report that does not belong to me. I have submitted a fraud report to the credit bureaus ( XXXX, XXXX, and TransUnion ) and disputed this account multiple times, providing all the necessary documentation, including proof of identity theft. Despite my efforts, the credit bureaus have refused to remove the fraudulent account. It is still being reported on my credit report, showing an outstanding balance that I am not responsible for. This error is negatively affecting my credit score and causing me significant distress. I am requesting the CFPB 's assistance to ensure that the credit bureaus conduct a thorough investigation, remove the fraudulent account, and correct my credit report. I have attached copies of all my correspondence with the credit bureaus, as well as my fraud report, to support my claim.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

The Amazon rewards credit card requests me to pay an annual membership fee of XXXX By XX/XX/XXXX, I phoned it, saying that I ' d rather cancel my account than pay the annual membership fee. But the Amazon rewards credit card, every month, still requests me to pay. Now I am asked to pay annual membership fee + late fee + interests, totally XXXX {$.00}
Consumer complaint received 2024-08-18
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

Hello, I had a prepaid edd account. I never received any edd card for it and they denied my dispute. I have appealed it multiple times and received no assistance. i filed a claim and let them know i had previously changed the address on my card and still received no assistance in this. Please Assist in gaining my money back
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Capital One raised the rate on my card with a penalty APR based on XXXX late payments within 1 year.They however showed the late payment posted on the XXXX 2015 statement as activity that took place during that month. Payment made XXXX XXXX, 2015 with the intention of payment for the following month arrived early and was posted to the prior month. Attempts to discuss this resulted in repeatedly being placed on hold for extremely long periods of time while they supposedly researched the payment activity of the accountand when disconnected they did not attempt to continue the call or investigate the matter. It should be noted that attempting to pay on the Capitol One website on the due date in XXXX 2015 would not have allowed the payment to be posted any sooner than payment via my bank bill pay service, which would have made the payment late in any event. 
I will be closing the account with a full payoff by the end of this week.
Consumer complaint received 2015-11-20
Product: Other financial service — Credit repair
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC (NJ)

There was a charge of {$19.00} to my account without my permission or knowledge. I called to dispute it and request they return my money as they unethically did not notify me before the charge and was not even the amounts vof the monthly service that I had previously cancelled. The representative stated that they were " processing fees '' and valid. I requested a supervisor and she refused. I have since had to freeze my account get a new debit card that I had to pay extra {$20.00} for shipping to get my debit card. Not to mention my credit score has dropped by XXXX points since I started using the service.
Consumer complaint received 2015-08-27
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We have a timeshare at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. We were contacted by XXXX XXXX XXXX and XXXX XXXX XXXX saying that they have someone interested in buying shares in order to have voting privileges at the resort. We participated for a while, including sending a wire transfer and providing our drivers license copies to them. Then, we began researching the companies and became skeptical. They placed many phone calls to us, but once we asked for all communication to be via email, reimbursement for our expenses, and to void on the deal, their communication has ceased. We have not received a refund, after them saying it would take 25-30 days.
Consumer complaint received 2015-06-05
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I settled XXXX law suits with Portfolio Recovery ( PR ) PR was reporting open collections XXXX XXXX XXXX XXXX XXXX Although these accounts have been settled in full PR is continuing to report XXXX collections as open to XXXX. I called PR several times and was told, send a credit report to verify this, your problem is with XXXX file a complaint we do not know who the CFPB is. Essentially they used abusive language.
Consumer complaint received 2015-10-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

USAA will not allow me full member access to my accounts saying that " Since I declared bankruptcy they ca n't collect debts ''. This is contrary to bankruptcy law, as my bankruptcy was finalized 3 years ago, and therefore I no longer owe them money. When I call to find out more and get more details and ask to speak to a supervisor in banking they put me on hold for XXXX minutes and then disconnect me. They only allow me mobile access, which does not allow access to my USAA accounts to change how I pay my bill and do other critical things.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management has contacted me over the phone incessantly. They then sent a letter in the mail threatening legal action if I did not respond to their letter within 30 days. Also, this company never verified my identity or that the debt belonged to me.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Debt Validation Letter mailed to Midland Credit Management on XX/XX/year>. Under 15USC1692 ( e ) and 15USC1692 ( f ) evidence of authorization to seek any claim on me, The XXXX XXXX XXXX to the legal name fraud, was not met. ( Please see all attached documentation : copy of signed and notarized in Truth debt validation letter as well as reply correspondence failing to provided requested Proof of Debt Validation ).

Their " reply '' to my Debt Validation request was hysterical. DO NOT attempt to claim your collection company is not reporting this false information to my credit reports- you admitted it and it has been remitted to the CFPB as proof.

NO CONSENT NO CONTRACT. 
Again, kindly provide me with a Valid Contract including : Full, Honest Disclosure, Equal Consideration for both parties, TWO wet ink human signatures - digital signatures are null & void.

Midland Credit Management also continues to contact me continuously from various phone numbers claiming I owe this debt on my personal phone. This has caused emotional and mental distress. I have opted out several times, stated Cease and Desist in Letter form, while they have continued to contact me regardless. 
YOU HAVE 10 CALENDAR DAYS TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$50000.00} } per violation for : Defamation of Character Negligent enablement of identity fraud Fair debt collections practices act & Unlawful Debt Collection Practices under 15 USC 1692g violations Fair credit reporting act 15 USC 1681 violations for willful noncompliance, 616 civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Violation of Consumer Rights, A.R.S. 44-1522, Failure to Authenticate Evidence as per Federal Rule 90, Unauthorized Contracts for Collection Services as per 31 U.S.C. 3718 and A.R.S. 12-134, Failure to Provide Signature Certification as per Treasury Direct Signature guidelines XXXX A.R.S. XXXX, and Violation of Natural Person Rights as per 46 U.S.C. 104 and A.R.S. 44-1-215.

Furthermore, Midland Credit Management is in complete violation of The False Claims Act ( FCS ), 31 U.S.C. 3729.
Consumer complaint received 2015-08-27
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Med-1 Solutions, LLC (IN)

They call using a different number sometimes.they call everyday sometimes 3-4 times a day. I asked them to stop with repeated calls .they said they are in their right by law to make repeated calls til debt is collected.I asked if I submitted a letter to cease the constant calls would they then stop. I was told yes but then I would be sued immediately. I told them what hours my kids go to bed to please refrain from calling past XXXX if they felt they must call and if I had to tolerate the constant calling to keep from being called. I was informed they were in compliance with the law they could call me anytime they wish between XXXX and XXXX, I have a few bills on my self and my husband and could receive calls on each separate account that it was legal to do so.my daughter used my address so I now receive calls on her. I told them she does not live here. I was informed til they had a working number and proof of her address I would be receiving those calls.my daughter was homeless at the time bouncing from home to home giving my home number was for emergency contact only not for billing calls.
Consumer complaint received 2015-10-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

a debt I want to resolve but the amount has been XXXX they want down payment of a little over {$400.00} before they talk about a program to get on. I am really concerned about the amount. the company is Midland Funding LLC. collection agency, I do not have that kind of money. I defaulted but I want to do the right thing. The account debt was bought from XXXX the original credit card issuer. The sum of {$1500.00} as the principal amount. Please help.
Consumer complaint received 2015-10-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I keep receiving letters from a collection company called Fidelity Creditor Service that I is not mine. Their mailing address is : XXXX XXXX XXXX, XXXX, CA XXXX, amount of bill is {$490.00}, account number is XXXX. 

I have asked them to provide an evidence that is bill is mine but the have not done so. I would like to assure this bill which does not belong to me, does not show on my credit report. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2015-08-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/2015 I paid {$590.00} to Best Buy. Thinking the balance was paid the following month I discarded my statement. I began getting phone calls daily and when I answered a recorded voice came on that said its very important we talk to you please call Citi and a phone number that could not be made out. Not disclosing who the call was for or the matter we have ignored these calls for the past XXXX days. On XXXX XXXX I was able to make out the phone number and called it. The company identified itself as Best Buy and said my account was past due for a balance of XXXX cents and that the payment in XXXX was posted after the due date there for I now had a balance of XXXX. So for a XXXX cent balance I have now accrued XXXX in late charges. 
The company never engaged in a live person contacting me to discuss the remaining balance, they just had a robo dialer call my house, and the benefit is they are able to keep accruing fees. They are reporting my account past due on my credit report and accruing fees for a XXXX balance. 
Since it was my error of not paying the XXXX I have paid the initial late charge of XXXX and the XXXX balance, however they state they wo n't waive the remaining late charges. If this was a balance owed of a substantial amount they would have been sure to have a live person on the phone, but because this is fee income they will allow the balance to build. This is unfair and abusive!
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Recovery and Collections, Inc. (OH)

I could not find a reason in the drop down window however, this is regarding my attempts to set up payment arrangements with a debt collector. 

On XXXX XXXX 2015, I pulled my credit report due to a Statement of Reason I received from the Consolidated Adjudications Facility regarding my security clearance. I contacted XXXX the creditors, Sentry Recovery and collections. I spoke with XXXX XXXX on XXXX XXXX 2015. During this conversation, he requested that I pay at least {$1000.00} down before he could set up a payment arrangement with me for the XXXX accounts his company holds. I told him that I could not come up with that amount and I would have to call him back. 

I was referred by my command to seek the assistance of a financial counselor XXXX. On XXXX XXXX, I spoke with my counselor and she attempted to reach XXXX XXXX three time. Two times, messages were left. I returned to see my counselor on XXXX XXXX to attempt to contact XXXX XXXX and again we reached his voicemail. On XXXX XXXX 2015, I returned to see my counselor and this time she made contact with XXXX XXXX. She explained that I was needing a payment plan arrangement and that if, in the future, I have an increase in household pay, I will contact him to adjust my payment plan accordingly. His comments were unprofessional as he told my counselor that I would never call him again. At that time she informed him that he was obligated to entertain a payment arrangement with me and that if he did not, I would be contacting the CFPB. He changed his demeanor and requested that we submit by fax a request to begin a monthly payment plan. I did this and the fax was sent and received by his office on XXXX XXXX 2015 XXXX. 

I have again returned to see my counselor on XXXX XXXX 2015, as it has been 7 days since I faxed the request. He has not responded. We attempted to contact him and reached his voicemail and she left a message.
Consumer complaint received 2015-09-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Over the past couple months my Bank of America checking account has started to receive a {$12.00} fee. I was told this {$12.00} fee is because I do not have a direct deposit of $ XXXX set up on my account. The {$12.00} is waived if you have a $ XXXX monthly direct deposit set up to the account. The problem is I have been conducting {$250.00} transfers from my account at another institution for over XXXX years and have never had a fee for this. So why now? I was told by an online representative that I am now receiving the fee because my transactions are transfers, not deposits. However, my girlfriend has relationships at the same places and conducts the exact same activity that I always have. She is not being charged the {$12.00} fee. How is it that BofA can be allowed to charge me but not her for the exact same activity? I believe this is a form of discrimination. Unless they can identify every person who transfers money instead of having it directly deposited and applies fees to all of those customers I should not be receiving this fee. Why I am I being targeted all of a sudden? My activity has never changed so why am I being charged for that now?
Consumer complaint received 2015-06-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (CA)

My FHA loan was closed in late XXXX of 2014. I lost my job due to injury prior to the close of escrow. The lender funded and closed the loan anyway. I did not know this was a problem. 
Now, I was looking to do a Streamline Refinance and the current lender tried to help me, but said my FHA loan was not insured. I have never been notified of this until now that i am trying to refinance. I am paying monthly MIP, but the loan is not insured. Am i entitled to a refund for all those payments? My loan closed with Crossline capital and was transferred to Stonegate Mortgage about a month after we closed. 

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