davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-12
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been Paying Asset Acceptance , LLC due to a court mediated order since XXXX of 2013. After 6 months they tried to make like I was n't making payments because they wanted them sent somewhere other than court order. Now I find that the checks I am sending are being cashed by XXXX bank and not going to Asset acceptance account.making out like I am not paying. I have been sending these checks the same way for over two years. XXXX has nothing to do with this and I have not been notified of anychange. XXXX will not talk to me nor give me what I have paid since court order. XXXX has Posted checks into XXXX seperate accounts. XXXX is for a XXXX bank that I do n't have any idea what this is, but fraudulently is nothing to do with the court case with asset. I will file a seperate case against them.
Consumer complaint received 2024-08-14
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. (IA)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

I received a statement from ditech notifying us that any partial payments ( additional but not yet an entire month 's payment ) will be held in an " un-applied funds account '' until it totals an entire mortgage payment, then they 'll apply it to the mortgage. We 've been on time with our payments the length of the mortgage ( 5+ years ) and have been paying a little ( {$65.00} ) extra per month to be applied toward principal. Based on this statement, instead of applying to reduce our principal, they 've created an " account '' that now has {$360.00} in it. This " account '' has no benefit to me ; it is not earning any interest nor has it been applied to my principal. I contacted ditech today and they said, " oh you just need to call us and let us know, we can make an exception to your account to apply these extra amounts to principal. '' While perhaps my account is now squared away ( I 'll keep checking ), this seems like a pretty deceptive practice as a whole. It is my understanding that payments should be applied to the benefit of the borrower, but this practice clearly offers no benefit to borrowers, particularly those who are current and who 's loan is in good standing.
Consumer complaint received 2016-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I began making payment to my mortgage on a bi-weekly basis in XXXX 2015. I sent SLS {$1200.00} electronically every 2 weeks. 
I wrote letters to SLS stating that all payments should be applied to my regular monthly mortgage ( any excess of {$2400.00} would be applied to the principal ). I have paid my mortgage 1 month in advance since the XXXX 2015 payment. SLS continues to misappropriate the funds, add late fees to my account, and send me delinquency notices.
Consumer complaint received 2024-08-14
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. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

After reviewing my credit report, I found several fraudulent accounts listed. These accounts are negatively impacting my creditworthiness, so please remove them from my report. 
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
Consumer complaint received 2015-12-15
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Williston Financial Group (CA)

in the process of purchasing a property in XXXX XXXX, Ca on XXXX XXXX XXXX XXXX XXXX the buyer 's son received a wire instructions from someone pretending to be the escrow company with the account # XXXX at XXXX XXXX XXXX with the address XXXX XXXX XXXX, NY XXXX the wire was send from XXXX XXXX Bank in XXXX, Ca, I did call up XXXX XXXX XXXX and asked if they can place a hold on the funds that I sent and they told me that for privacy they could not do anything, the transfer money was XXXX ( XXXX XXXX XXXX dollars ), I have reported this to the police and XXXX XXXX Bank had requested at least XXXX times for the money to be send back to XXXX XXXX 's account at XXXX XXXX Bank so far no response I am attaching the copies of the wire instructions and the wire transfer and confirmation together with XXXX other wire instructions the first XXXX for XXXX is real the other XXXX are created by the person who owns the account at XXXX XXXX XXXX, please help, I just learned that the person who did the scam took the money out, that is what XXXX XXXX Bank just inform us is XXXX XXXX XXXX responsible for it clients? how we as consumers are protected? is this a case for FDIC to cover the loss? 
Please help
Consumer complaint received 2016-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants Credit Corporation (OR)

Continues to contact me after sending a receipt of payment to the original creditor ( hospital ). Told them on the phone and in writing that I disputed the debt and not to contact me by phone any more and to send any proof that I am wrong about this debt. I have seen nothing from them to show that I owe the debt. They stopped calling but began again recently. So my complaint falls in several areas of the fair credit act. Not calling again after told. Not responding in a timely manner when the debt was disputed 6 months ago.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (FL)

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person with a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX - XX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX - XX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXX XXXXXXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Consumer complaint received 2015-11-18
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/XXXX at XXXX, I received an email alert from Paypal that I had authorized a payment of {$39.00} to XXXX. I emailed them back and told them I had not authorized such payment, asked for refund. I also emailed XXXX and told them I had not authorized any such payment or any continuation of services. Asked them to cancel. XXXX renewal date was XX/XX/XXXX, the date I emailed them, so I saw no reason for them not to cancel and refund my l money. I received an email from XXXX on XX/XX/XXXX telling me I could change my payment options from automatic for the following year but they would not refund my money. I went to XXXX website to check my account and the only account authorized for payment was my debit card from my bank, not my Paypal account. The debit card on file with them was no longer valid, I had to get a new one. I do not know how they got my Paypal information. I contacted Paypal and told them this, but all I 've gotten from them is form letters telling me to change my payment plan on their website, but I never authorized them to pay it in the first place. I have contacted both Paypal and XXXX several times and informed them that I saved the XXXX page, took pictures of it and printed it, showing that I had not authorized use of my Paypal account. I also have asked for an explanation of what the {$39.00} charge was actually for but have not gotten any good answers about anything. I then checked back and Paypal paid XXXX {$19.00} from my account in XX/XX/XXXX, which I also did n't authorize. I have checked the consumer complaint boards and there are XXXX complaints about XXXX and Paypal doing the same thing to other people. Please stop them.
Consumer complaint received 2015-07-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (PA)

I borrowed {$10000.00} from Wells Fargo for a private student loan while I was a XXXX. The loan was taken out on XXXX XXXX, XXXX. I graduated and began paying back the loan in XXXX XXXX. Before the principal repayment began, I was being charged 10.313 % interest, when the principal payment began the interest rate jumped to 10.753 %. The total finance charge for my loan, at repayment, as you can see from the attached document, was {$13000.00}. The total amount I will have paid, after all payments have been made is {$23000.00}. 
My principal balance due as of XXXX XXXX is {$10000.00}, per a conversation with a Wells Fargo Rep. My monthly payment amount is {$130.00}. According to last month 's statement, {$44.00} of my monthly payment was applied to the principal and {$61.00} was applied to the interest ( and I had a {$28.00} late fee ). 
During my repayment period, there have been months were my payments were late due to lack of employment, however, the loan payments were always made. Wells Fargo charges a {$28.00} late fee after a 10 day grace period. 
I feel that the interest rate and the pay back amount is exorbitant. If this had been a federal student loan it would be governed by federal regulations. Wells Fargo would not be permitted to take advantage of students needing funding for education.
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NorthStar Technologies (OK)

I received a call from XXXX a debt collection company stated I owed {$4900.00} to XXXX XXXX, to which I informed the debt collector I did not. I was not given FDCPA, no any disclosures, I asked them to not contact me again as I did not owe any debt to XXXX XXXX and also asked for validation of the debt. to which has yet to be provided, after asking them not to contact me again and to cease collections efforts on XXXX XXXX a debt collection letter was sent to me via mail.
Consumer complaint received 2015-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In XXXX I had to file bankruptcy due to my XXXX to protect myself. I had to include my car loan eventhough I intended to pay it off, which I did in XXXX of XXXX. I have the lien free title and a letter from Capitol One Auto Finance releasing the lien. I have asked Capitol One to remove this bankruptcy report from my credit reports but they refuse even though they acknowledge that I paid it off and they say it will stay on my reports until XXXX. I contacted the XXXX credit reporting agencies as well however they are telling me that it is up to Capitol One Auto Finance to remove the negative reporting. I want this removed from my credit repors as I am trying to rebuild my life after the devastating blow that I took because of my exhusband. 
My name is XXXX XXXX, my loan number is XXXX and it was for a XXXX Ford Taurus VIN # XXXX. My contact number is XXXX.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MO)

On XXXX XXXX XXXX, 2015, I attempted to deposit {$800.00} cash in the ATM at the US Bank location at XXXX XXXX XXXX in XXXX XXXX, MO. The ATM was unable to complete the transaction and issued a receipt with a toll free number to call. I received an e-mail on XXXX XXXX at XXXX XXXX stating the deposit transaction completed. The money was still not showing in my account. I called the toll free number, as advised by the branch manager, and started a Reg-E claim. At this time I was told that it would be XXXX business days before my {$800.00} deposit was reflected in my account. My fianc called and tried to speak with the manager because this incident occurred at another US Bank in XXXX and the branch manager was able to issue an instant provisional credit. I still do not have the money in my account, even though I provided the e-mail showing the transaction was completed. I have been advised that they would reverse any NSF fees, but I fee they should also compensate for the inconvenience and interest, as US Bank would charge. This has been a horrible disservice to me and my family as our rent check will be returned and while the account is overdrawn, I have {$50.00} cash to fee my family of XXXX. We should not be inconvenienced due to US Banks faulty equipment. Please help.
Consumer complaint received 2015-07-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Federal Credit Control, Inc. (OH)

Debt collection company, makes harassing phone calls at all hours, applies misleading and incorrect representations of accounts, by posting the same account under different account numbers in excess of XXXX times to each credit bureau. refuses to acknowledge or verify debt is actually mine to the individual credit bureaus, under the laws of Identity theft.
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America I requesting your assistanceAt anytime XX/XX/XXXX - XX/XX/XXXX did Bank of America acknowledge XXXX XXXX XXXX as owner of property located at XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (FL)

I have a XXXX credit card, I was making monthly payments online till XXXX month the payment did not credit my account, I do n't know why. After that XXXX started adding monthly fees even after I told them I made the online payment. I 've been paying what I can {$50.00} every month but still they do n't stop adding late fees and calling me.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been in the process of attempting to get a loan mod from Capital One for months. I sent in my first application XXXX/XXXX/15. Their strategy is repeated over and over by first telling me they have everything they need except for a short list of documents. I send them the requested documents right away. After some time they contact me to ask for updated documents, which I send. In one case I sent the documents just before their deadline. A few days later they notified me the application had been cancelled because they had not received the documents before the deadline. I told them I had sent them. They looked again and were able to find them but then told me because the application had been cancelled I had to apply all over again and I must do it really fast because the foreclosure sale was right around the corner. I sent the new and revised application right away. The whole routine started again, asking for more documents, loosing documents and asking for them again, each time telling me the foreclosure is about to happen if I do n't get them in fast. 
I am now at the supposed final steps again, with the foreclosure set for Monday XXXX XXXX, 2015. Yesterday ( XX/XX/XXXX ) they gave me a new list of documents to update, which I sent to them within an hour except for an updated P & L, which I sent today ( XXXX/XXXX/15 XXXXET ). A call to them informed me the sale was still on for Monday. There seems nothing I can do to appease Capital One. There is equity in my house and I think they are dead set on taking it to sale where they would probably get the house back and sell it for a profit, all while cheating me of my house. 
I was completely current on my payments but because my husband ( only him ) filed bankruptcy to stop a civil lawsuit. My house was my separate property but the bankruptcy court took the house anyway. They collected the payments for a couple of years all while not making any mortgage payments or property taxes, then gave the house back to me. I never missed a payment but yet it is now years behind in payments. I had no choice but to lose the house to foreclosure or apply for a loan mod.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

collection/ charge off from the state of XXXX XXXX account went delinquent in XX/XX/XXXX with the state of XXXX. made payment arrangements but never regained current. XX/XX/XXXX account transfered to state of XXXX and refuse to remove and correct the origional delinquency date of XX/XX/XXXX and origional creditor.
Consumer complaint received 2015-09-22
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF THE WEST (CA)

XXXX XXXX XXXX XXXX XXXX wired {$250000.00} on XXXX through our bank : Bank of the West to XXXX XXXX Bank in XXXX XXXX XXXX, Ut through their bank : XXXX XXXX Bank, XXXX XXXX XXXX, CA. 
XXXX XXXX Bank did not receive the funds. Our Bank : Bank of the West put a tracer on the wire twice - No response XXXX. 
On XXXX XXXX finally admitted that they deposited the funds into someone else 's account XXXX their account number matched our tax id # XXXX XXXX 's account number was clearly identified on the wire. 
On XXXX XXXX told XXXX Bank that they had to contact the branch that had the wrong account and for them to contact the customer and ASK FOR THE MONEY BACK!!!! 
On XXXX XXXX told Bank of the West to recall the wire, which they did. 
Today - WE STILL DO NOT HAVE OUR {$250000.00}!!!!!!!!! 

Please help. I can be contacted at XXXX.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Billing disputes — 
Company: REGIONS FINANCIAL CORPORATION (CA)

Filed a complaint regarding a credit card fraud ( XXXX gas card account # XXXX ) sent all the requested information and document followed all the instruction provided by XXXX XXXX XXXX ( fraud Manager ) direct line XXXX XXXX XXXX. 
All supporting information and document sent on XXXX/XXXX/2015 After numerous phone calls and Email never received any follow up. 
Until now when we are contacted by various collection agencies.