davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (MD)

I lived in a rental apartment, and a previous tenant ( who I 've never met ) apparently owes a creditor money. I recently purchased a house and moved to another county. The creditor 's attorney 's listed my new home as the address of the guy who owes them money. I have returned multiple letters, and recently a process server showed up on my door. I told him that person does not live here and I have never known him. I contacted the creditor 's attorney and demanded that they cease this contact ( since they clearly have the wrong address ), and to remove my address in the case file with the court. I received an email from the attorney stating that they would remove my address from the case. Apparently they did not, because I am still receiving mail on this case, and now there is a motion filed with the courts ( by the creditor 's attorney ) to change the jurisdiction of the case up here to where I live. 

I am being harassed and incriminated at my new house all because some guy who owes them money rented an apartment that I later moved into once he left.
Consumer complaint received 2015-07-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BlueChip Financial (OR)

I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/14 in the amount of {$800.00}. They have debited {$130.00} twice a month since. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I did n't realize I would be paying so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I have noticed several accounts on my credit report that do not belong to me. These accounts were opened without my knowledge or consent, violating my privacy rights under 15 U.S.C. 6802. I did not authorize the sharing of my personal information, nor was I given the option to opt out before these accounts were furnished on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the immediate removal of these fraudulent accounts from my credit report. Additionally, I demand that any negative information associated with these accounts, including late payments and charge-offs, be deleted. I am a victim of identity theft and did not authorize these accounts ; therefore, they should not be reported on my credit file.
Consumer complaint received 2016-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Crosstown Law, LLC (CA)

XXXX and Crosstown Law LLC, continues to try and collect a debt that not only do I not owe but I 've never had a XXXX account. XXXX themselves has verbally told me that there 's nothing in there system showing I 've ever had an account with them. 

XXXX can not validate the debt according to the FDCPA Law 15 USC 1692g, Section 809 ( b ) Validating Debts.
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Meade & Associates, Inc. (NC)

I was contacted by a female from Meade and Associates on XXXX/XXXX/2015 in regards to a balance owed to XXXX in the amount of {$150.00}. I spoke to a lady who inquired about a payment she stated that agreed to make in XXXX. I never stated a firm payment date with this company and stated that I 'll will make a payment on the website sometime in XXXX. A definite date was never supplied nor confirmed to the company. The female proceeded to insist that I agreed to make a payment on a specific date in XXXX and began arguing with me. During the conversation, she stated that if I do n't make the payment today, I would be sued and would have to go to night court. This company has not provided the proper documentation notifying me of a possible lawsuit if the debt is not paid. I have yet to receive any such notice nor a notice from Meade and Associates of the current balance owed or the alleged payment arrangement. The female stated that I last spoke with them on XXXX/XXXX/2015. It 's now XXXX/XXXX/2015!!! Now, I being threatened with a lawsuit for {$150.00}? The level of hostility the female expressed was unnecessary for the amount of the debt. Especially, when I initiated the contact to learn how I can resolve the debt. If I did n't want to pay off the debt, I never would 've contacted them in the first place in XXXX.
Consumer complaint received 2015-07-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Recovery Solutions, LLC (NY)

We have continuously been receiving phone calls from the following numbers and companies for someone who does not reside at this residence. They are bottom feeder debt collection agencies who obviously do not know the law or choose to ignore it. Here are a couple of the XXXXXXXX XXXX XXXX. They are calling our number that are unrelated to this issue. Please stop this.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I was approved by my mortgage company for the HAFA Program ( Home Affordable Foreclosure Alternative Option ) and entered into an agreement with RoundPoint Mortgage Service Company to transfer my property to them by doing a Deed in Lieu of Foreclosure on XXXX XXXX, 2015. Part of the agreement was they would waive the deficiency Amount outstanding. At which point RoundPoint would then issue me a XXXX after everything was completed at the end of the year ( 2015 ). To date I still have not received the XXXX even after repeated phone calls and requests made to them. Instead they inaccurately issued me the wrong form a ( XXXX ) and now refuse to correct it, because the representatives are confused and they continue to say it 's a foreclosure even when all of their own documents show that it 's a deed-in-lieu. At this point I do n't know what to do and how to get this situation resolved with them, because for me to accurately and correctly report the deed in lieu on my own 2015 XXXX Tax Return, which would be the correct year, I need them to send me a XXXX form, but they still refuse to do so no matter how many times I 've called and tried to explain it to them. So I 've attached supporting documentation to verify my position and request.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Early Warning Services, LLC (IL)

I opened an account with XXXX XXXX XXXX shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from XXXX XXXX XXXX informing me that my account was being closed due to fraud. I never committed an act of fraud. XXXX XXXX XXXX has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with XXXX XXXX XXXX for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and Earlywarning systems directly but they report that XXXX XXXX XXXX is standing by the fraud claim with no evidence to substantiate the claim.
Consumer complaint received 2016-03-31
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Onity Group Inc. (DC)

Debt collector XXXX, as trustee for XXXX XXXX, Asset Back Certificates, Series XXXX ; is attempting to collect on a stale, alleged debt which is more than 3 years past the Statute of Limitations. OCWEN alleging itself to be a mortgage servicer, who is in fact a non bank creditor, is attempting to file suit, to obtain the home of the consumer which was obtained for personal family household uses. Both parties were served a notice of dispute pursuant to the Fair Debt Collections and Practices Act, both parties have either not responded or not properly responded. They have within 5 days of the receipt of this complaint to respond per request of the consumer.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MO)

I 've been with Citimortage since XX/XX/XXXX when I refinanced with them from XXXX for a fixed rate. After dealing with them with their loan modification for only four years instead of the one I wanted provided by the Obama administration. After going back to my original fixed and reapplying for another loan modification which they rejected saying I did n't qualify even showing what have after I have after paying bills and mortgage is barely enough to live month to month. After giving them a bad rating on the phone when they called me in XX/XX/XXXX. They sent me a letter last month telling that they sold my mortgage to XXXX XXXX. Here it is XX/XX/XXXX and I 'm not able to enter the account number to login in to make payments online like I did with Citi every month on time due to Citi have transfer my account information to them after XX/XX/XXXX and it will take 10 business day or maybe 60 days? I call XXXX regarding if they got my account info in their systems yet. They telling me about waiting for Citi to transfer my account and apologizing for the inconvenience and hitting me about fees for making payments over the phone and online and XXXX about my XX/XX/XXXX payment which Citi already received on time from my bank account on time. I feel that Citi sold my mortgage because I was unsatisfied with their customer service history and felt they did not want to deal with serving my mortgage in Missouri when they had to deal with the settlement their XX/XX/XXXX lawsuit with the federal government last year and they selling off mortgages to others so they do n't have to deal with refinancing them as they possible the government.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SOFI TECHNOLOGIES, INC. (GA)

I applied only twice as instructed first time was as a co borrower application but I was instructed by XXXX to apply by myself but I gave notice to the lender about multiple inquiries but she stated they don't do that but I have proof that they did.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My financial aid that I have been waiting for four months for receive was deposited into my account. Less than 24 hours after, CapitolOne decided to put a hold on BOTH my checking AND savings accounts of which I already had money in. I called and they said they need to " verify the funds '', when it was an ACH/electronic deposit, not a check. They did this before but with a physical check deposited, which made no sense then, and makes even less sense now. Why would an electronic deposit need to be verified? Don't banks usually put holds on accounts for large withdrawals? CapitolOne bank is the only bank I know that puts holds on accounts for deposits. This practice should be ILLEGAL.

They said they have to call me school to " verify the funds '' that have already deposited into my account. Of course, it was XXXX pm so the school didn't answer. They refuse to remove the hold from my account. When I made payments totaling over {$5000.00}, last month, not once did CapitolOne call me to verify I was the one making such transactions. Only when you get money, will CapitolOne treat you like you're fraudulent and withhold your money from you as if they are GOD. CaptialOne, however, is the only one fraudulent here. I will be filing a police report to report fraud and I will be looking into suing them for emotional distress. NO ONE DESERVES TO BE TREATED LIKE THIS WITH THEIR MONEY!
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SOFI TECHNOLOGIES, INC. (GA)

Good Afternoon, Recently the lender XXXX XXXX from Sofi denied my application. I am aware that I may or may not get approved for the amount I asked for originally. I am upset because She has pulled my credit four times and I do have proof. 

Also, XXXX promised last Friday I would get a loan amount sent out to me last Friday but no response last Friday on XX/XX/XXXX or today on XX/XX/XXXX. 

The only reason I found out about this denial letter was because I received a notification through the no reply email. 

I would have like to have gotten a response from her as promised and at least given me an amount that I could have received instead of just a straight denial. 

I felt she was not very helpful and stated to me she was working with you on the gift of equity with her manager I called her and spoke to her last week and on a recorded line she told me she would reach back out with a loan amount last week on XX/XX/XXXX. 

Reached out by email yesterday XX/XX/XXXX but no response. I called Sofi three times on XX/XX/XXXX to complain was able to get a email but when I sent the email to XXXX XXXX her manager the email was blocked.
Consumer complaint received 2015-05-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (NJ)

I fell behind on my car payments because I was unemployed. I had made payments when I could. When I was 60 days late they kept dunning me 4 to 5 times a day. The problem was is that they called my XXXX year old mother. I sent a letter to them and they called and told me it would n't happen again and it did. This woman is old and retired and does n't have to know my business.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CA)

EQUIFAX sends XXXX XXXX the followng correspondences - maybe considered " fraud '' that violates consumer rights : 1. On XXXX XXXX, XXXX from Equifax Information Services LLC ( attached, XXXX ). Subject of Letter : " XXXX XXXX 's call re Fraud Alert, '' 2. and XXXX XXXX, XXXX from Equifax Security Freeze/Equifax Information Services LLC , advising of a subsequent " security freeze '' on consumer 's Equifax credit file. ( attached, scan XXXX ). 

PROBLEM is - XXXX XXXX NEVER made a CALL to EQUIFAX! Not sure what Equifax is UP to ... BUT these XXXX FACTS could be a backdrop to these correspondences : 1. Equifax Settlement Services was acquired by XXXX XXXX XXXX in XXXX XXXX - from EQUIFAX Inc. [ XXXX ]. Essentially - XXXX XXXX XXXX 's direct link to Equifax..XXXX who is the subject of our Mortgage Fraud Complaint with CFPB. See item XXXX below. 

2. XXXX XXXX XXXX is the subject of our Mortgage Fraud case with CFPB - CaseXXXX, lodged XX/XX/XXXX. Purported servicer making an illegal attempt to " steal our residential home in broad daylight. '' No proven LEGAL Rights to foreclose ... and ALLEGED DEBT most recently proven to be NON-Existent! See XXXX XXXX Results XX/XX/XXXX ( Exhibit XXXX from referenced CFPB file : XXXX XXXX XXXX account was DELETED from XXXX XXXX 's XXXX Credit file. ) Consumer is sending correspondence to EQUIFAX by regular mail re this DISPUTE. Given the urgency of our personal situation however - XXXX making illegal attempts to foreclose against our home next week - XXXX XXXX, XXXX - we thought it proper to lodge this Complaint with CFPB for possible investigation vis-a-vis CFPB case against XXXX XXXX XXXX ( CFPB XXXX ). THANK YOU.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

After receiving a copy of my consumer report, I've noticed that there are a few collections accounts thats reporting to my report. I then contacted the creditors thats reporting these accounts and asked them to provide me documents including signed contracts, agreements, receipts, and date of first delinquency in which they failed to provide. Experian is reporting these unlawfully reporting accounts without the proper documents which violates multiple laws. How can there be an alleged debt if there is no contracts or agreements between me and the companies listed? I never gave them consent to continuously call me at unusual times in which I asked them to cease all communications with me. It is against my right of privacy to report anything to my credit report nor did I give them permission to obtain and share my personal information with anyone. included in my complaint is a copy of my consumer report in which I ask Experian to thoroughly investigate my dispute and remove any inaccurate or unverifiable information. Violations committed by the creditor & Experian:15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Consumer complaint received 2024-09-02
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-01-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I have been charged several insufficient fees for XXXX transactions. Initially when I made the charge with my debit/credit card the funds were available in my account on XXXX XXXX, 2016 in the amount of {$12.00} and the other charge {$11.00} on XXXX XXXX, 2016. In my account I had approximately {$850.00} available. So those transactions were completely covered. I also viewed my account on XXXX XXXX, 2016 my account was still in good standing all through the day until XXXX XXXX, 2016 at XXXX. Then my account went into negative over {$350.00} of fees. I called chase and reminded them that on my account I signed for transactions to be declined when funds are not available. He said a check was presented for {$1600.00} on XXXX XXXX and their policy is to pay the check first no matter what other transactions were presented before the check. I 'm asking for the return of the fees of {$68.00}. The check was deposited by error I had chase to cancel the check.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :
Consumer complaint received 2015-05-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

As a co-signor, I am authorized on my son 's account. We had XXXX Private Student Loans with XXXX XXXX. XXXX loans were combined as a Group on XXXX invoice and we always sent XXXX payment that was pro-rated between the loans. But after the loans were transferred to Navient, NO PAYMENT made in 2015 has ever been posted properly. 

I called Navient in XXXX and again in XXXX to ask that the account be fixed, but nothing ever happened. So in XXXX 2015, I wrote a letter with very detailed Excel spreadsheet attached showing how payments Were vs.Should Have Been applied. 

Instead of correcting the mess, Navient replied that our accounts are in XXXX Standing and that if we suspect that payments have n't been applied appropriately, then please contact them!!!! It 's insanity.
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Over XXXX years ago my wallet was stolen. I had XXXX credit cards in my wallet XXXX of which were Bank of America. I reported all credit cards stolen within XXXX. All other charges were dropped but from Bank of America. I spoke with someone on the phone and was told since they had copy of my license I would be responsible for fraudulent charges. I continued to pay the balances I had prior to fraudulent charges. Once they were paid off I told them I did n't feel I should pay for fraudulent charges.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

Experian has been reporting an account with XXXX. Bank in the amount of {$280.00}. I have disputed this account with them numerous times and each time I was not provided with the actual verification documentation used to verify this account. This account was paid in full. Experian has the burden of proof to ensure the information reported is correct. They have not done this. I have an attorney on standby should this zombie account remain on my credit report.