davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Javitch, Block & Rathbone LLC (OH)

I received a Notice of Court Proceeding to Collect Debt on XXXX XXXX XXXX. On the back of the same letter it states : Payment to avoid Garnishment and lines to fill out information such as my Employer 's signature, work place and only XXXX lines to complete as far as money they want me to send in for payment XXXX % of my earnings. This debt occurred in XXXX it is a valid debt however, I was only given 15 days to comply to my understanding I should have 30 days according to the Fair Debt Collection Practices Act I read. I have not received no other notices allowing me to respond before now. I spoke with the creditors Attorney regarding this debt in XXXX and the Attorney stated he would get back in contact with me regarding payment arrangements that was the only contact I had with this creditor. Now 4 years later no other notices sent to me in all this time they want to garnish me without any type of negotiation and acceptance of what I shared I can pay them every week which is {$100.00} dollars. I have already sent {$100.00} last week in good faith to show I am willing to pay the debt owed. So my claim is this debtor failed to give me enough warning does not return my calls and try to work with me, the Debtor is stating I have to pay what they want me to pay regardless of my other creditors and household bills. So I feel I am being done wrong in that that debt is 4 years old, they have not sent me in the 4 years no type of notices giving me the opportunity to work out the debt, only 15 days given for me to respond instead of 30 days which most my other debtors send, pressuring me to get this done in a certain time frame of 15 days, wanting my employers information versus allowing me to make my payments and not returning my calls. I would like to know what can be done about this? I am speaking with a consumer attorney on Monday for more help.
Consumer complaint received 2020-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (OK)

I received a collection letter dated XXXX from Progressive Management Systems in XX/XX/XXXX. They also hit my credit on XXXX with a collection for {$1200.00} despite the letter stating that they would NOT report to the credit bureaus unless I failed to respond to their letter within 30 days. On XXXX I sent them a debt verification request via certified mail which was received by them on XXXX. As of XXXX XXXX XXXX I have received no communication or validation that this alleged debt belongs to me, no dates for the original debt to prove that it's still within the statute of limitations for collections, nothing. They are continuing to hammer my credit with the collection, adding interest and reporting it every month. They are in violation of the FDCPA for their failure to respond and failure to provide proof of the alleged debt. I will be happy to involve my attorney if this they don't take this collection off my credit and cease all collection attempts immediately.
Consumer complaint received 2016-12-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Movement Mortgage LLC (LA)

Received a purchase / construction mortgage from Movement Mortgage in XXXX XXXX. That loan was for the property purchase ( $ XXXX ) and renovation funds of XXXX $ XXXX XXXX for a total loan amount of {$180000.00}. Contractor did n't start work until XXXX XXXX. Worked four weeks, was paid $ XXXX from construction fund. After receiving payment the contractor abandoned site. Found a replacement contractor. Movement Mortgage wo n't release any of the remaining construction funds to the new contractor or to me to pay the contractor. They wo n't even work with me to refinance the original loan for the new contractor 's contract price. The new price is higher than the original contractor 's price, since major damage was caused by that contractor and now has to be fixed under the new contractor contract. In the interim I am required to pay monthly principle and interest on the remaining construction funds they are holding and wo n't release toward any construction. This has created a complete STOP on renovations of our home and has created much over costs since we can not move into our house. Since Movement Mortgage wo n't do anything for us, we have found a local Bank that maybe able to payoff Movement and issue a new mortgage. Movement after too many requests, refuses to give me payoff amounts on my existing loan. They wo n't give me any actual numbers. They continue to refer me to my mortgage statement balance which includes the remaining $ XXXX construction funds that they are holding and wo n't release but demand that I pay monthly on. 
The attorney that I have hired to sue the first contractor, spoke to an attorney at Movement Mortgage who gave a reason for not doing anything for us was that they were afraid I was going to sue Movement Mortgage. As of this writing Movement mortgage wo n't return my calls or respond to me. I want to have this situation investigated as to the legal right of Movement Mortgage to keep funds and demand that I pay principle and interest on those funds. Also to refuse to submit proper payoff accounting of my loan so I can move forward with a fairer and more reasonable lender.
Consumer complaint received 2024-10-14
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

My payment agreed to was XXXX dollars a month. This company upgraded their online system and as a result I could not pay my bill on time in XXXX. I called, they acknowledged it was a system error and they reversed the late fees and said if I paid XXXX dollars that would cover my bill until my XXXX payment. I have 18 months to pay off the bill with no interest. My XXXX bill shows XXXX dollars due now. I've tried calling and sat on hold for multiple hours trying to get to someone to talk about it without success. I finally got to a representative who was looking into it on XX/XX/XXXX. As I was on hold, the call dropped and no one called me back and the call center was then closed. The auto dialer for late payments calls after XXXXXXXX XXXX XXXX  which is illegal in XXXX. If you do happen to even answer the call, there is no one even on the line and it automatically hangs up once you say hello. My bill now shows XXXX dollars due but no breakdown on my bill as to what this amount entails.
Consumer complaint received 2019-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

Starting with my payment on XX/XX/19 I began to pay over the amount of my loan payment. I paid {$700.00} instead of my regular payment of around {$430.00}. The American Education Services ( AES ) website says the following as far as paying over, " Yes, you can pay more than the amount you owe. Any interest or fees that have accrued on your loans will be paid first before reducing your principal balance. '' However, I found that after I paid over, AES instead paid the additional {$270.00} to the following months loan payment. I had to call them to get my payment fixed, and then was forced to send them a written message asking them to put any money I paid over in the future to the principle of my loan. Like their own website already says they do. 
I again paid over my payment amount for XX/XX/19. I paid {$620.00} instead of my normal payment of {$420.00}. I got the verification that my loan had been processed correctly and then saw later that it had been changed so that the extra {$200.00} had been moved to the following months payment. After I was forced to call again, I was told that it would take 7-10 business days to be corrected. Now I see that when they finally corrected it, they only credited my account for {$420.00}. The additional {$200.00} I paid, magically disappeared, but was still taken from my bank account. 
After being forced to call them again, I was told that it was going to take them 7-10 business days to apply the missing {$200.00}. I am awaiting to see if this is done correctly. I also had to pay my loan again today for XX/XX/19 not knowing if its going to applied correctly or not. Luckily I have been watching my account or AES would've been applying my loan payments incorrectly, or basically stealing my money. 
I am forced to attach some screenshots I have taken from my account. I have not received a correct statement from them in going on 3 months now because of their constant errors, so I don't have copies of them at this time. I can send them at a later time, when I have access to them.
Consumer complaint received 2016-07-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MST Financial Services, L.L.C. (WA)

I Provided XXXX insurance cards at time of service, returned to XXXX provided second copy of insurance, called XXXX three ( 3 ) times leaving voice mail requesting a call back. Emailed XXXX ( A Division of MST Financial Solutions, LLC ) once ( 1 ) via their website and called leaving voice mail twice ( 2 ). Did not receive a response from any attempts to contacts XXXX or XXXX After repeated disputes with XXXX on this issue, I finely received a call from XXXX. I informed XXXX of all stated above and that XXXX failure to bill in a timely manner if at all does not make this my responsibility and demanded that this be removed from my credit report. XXXX informed me it 's my burden to provide proof of coverage, which I sent yet again. I expected this to be removed from all XXXX credit agencies and they have taken little to no action to remove their fraudulent collections attempt besides sending me a letter stating they would.
Consumer complaint received 2016-09-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AmerAssist A/R Solutions, Inc. (CA)

It was an insurance claim which they paid, and I continue to get threatening letters, calling the dentist several times and well as AmerAssit A/R solutions. Both XXXX are at fault and I am the victim. What even worse I am in the middle of escrow so this potentially could hurt me buying a my house. Please help
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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/year>
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Law Office of Charles G. McCarthy Jr. & Assoc. (SC)

The office of Charles G McCarthy collections agency representative XXXX XXXX has called on numerous occasions advising I owe a debt to XXXX XXXX. I sent a letter of cancellation 30 days notice by mail as advised by contract to the gym but he said if it was not signed for it is not legal. He has threaten me on several occasions with saying it was an attorney. He called my daughters phone and when she called the number back and said she was not me he call her a lair and she advised that she would called the police. I am going to send a certified letter to the company and advised them to stop contacting me. I have the voice mail and taped conversations where he tried to intimidate me on the phone. This I feel is unfair practices on the debt collections agency.
Consumer complaint received 2024-10-15
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. (SC)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2016-07-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I began receiving mail from USAA Bank confirming the establishment of my new XXXX XXXX XXXX XXXX account. These mailings included account numbers, amounts, membership cards with account numbers, account disclosure statements, etc. I contacted USAA to inform them that I did not, and have never, dealt with USAA - and I was repeatedly transferred to different departments until the call was dropped. I was repeatedly told that they ( USAA ) could not discuss the account with me because it was " restricted ''. USAA possesses all personal information for both me and my wife - I do n't know how they came into possession of this information and they will not discuss anything with me - even though they have allowed this account to be established. FDIC is their regulatory authority and I can not understand why this account was opened in my name without proper due diligence ... .rules state that proper identification must be obtained prior to opening an account. See XXXX XXXX for Banks, XXXX ( a ) ( XXXX ) Customer Identification Programs for banks, etc. I would like to pursue punitive measures against USAA Bank and XXXX XXXX, CEO., USAA Bank XXXX
Consumer complaint received 2016-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

I have a tax lien on Equifax and tried to call and get them to take it off and tried to dispute, but am having a challenge. The lien has been paid in full and withdrawn - I 've gotten this off XXXX and XXXX. Can you help and let me know what I need to push this through? Thank you!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the Equifax and XXXX and XXXX credit reporting agency , block information reporting on my consumer report that result in identity theft and fraud within 4 daysof receiving this complaint.The fraudulent inaccurate account is XXXXXXXX XXXX account number XXXXThis account account appearing on my consumer report i do not recognize the aforementioned account.I have attached my FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In light of XXXX and XXXX response to my complaint through CFPB, 60 days is not an option. Theyve been receiving challenges and notices since XXXX or XXXX of this year and also had disputes they disregarded last year. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes WITHIN 30 days of receiving a consumer 's dispute notice. They must complete the investigation, inform the consumer of the results, and provide a summary of their findings. If the information is found to be inaccurate or incomplete, they must correct it or delete it from the consumer 's credit report. THEY DID NOT DO THIS. I would like my requests to have said items removed to be honored and honored within the next 30 days according to the law by which the agencies are to abide and I know that they will.
Consumer complaint received 2015-08-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

On XXXX/XXXX/15, I submitted a complaint letter to Suntrust Bank concerning incorrect information provided by XXXX as my credit data for consideration of a credit card offered by Suntrust. On XXXX/XXXX/15, I sent a letter to XXXX concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both SunTrust and XXXX. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ). 

Thank you.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DriveTime (LA)

I was getting ready to apply for a car loan, I realized they weren't anywhere near me. They called and I explained this to them. I asked them not to pull my credit report, they did anyways without my approval. Then they did it again and I called them a second time. I'm trying to repair my credit and I don't want anyone pulling my credit report without my approval. Many companies does this even after you call them and keep pulling it after you tell them to stop. PLEASE help me.
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

My account was compromised on XX/XX/2019. I reported this promptly to Wells Fargo, and there is a XXXX XXXX charge on my account that was not made by me. The charge is {$600.00} dollars. This low funds caused my account to go into negatives and when I made a withdrawal, because the system went into negatives after this happened also caused a {$35.00} dollar fee. I have tried resolving this through the phone, and the associate told me that there was conflicting information given, and I gave my pin to someone. I've talked to the merchant XXXX XXXX and they said there is nothing they can do, and that the person that used my identity made an online transaction and not a face to face one. Also, no one knows my pin. It is disgusting to know that this company only protects consumers when they want to, and their fraud liability is complete lies. I let the agent over the phone know that I reported this to the FTC, and she said she didn't care and that I had to try to resolve this with the merchant. I am requesting a credit for the fraudulent activity on my account of XXXX XXXX, and the {$35.00} fee. Also, when I talked to the agent over the phone the first time, she mistakenly included additional transactions on the fraud claim that made it about {$720.00} dollars, and when I was talking to her I told her I didn't remember exactly, and I don't know who took my card, but how is that conflicting information? This is so disgusting. Also, I would like to close my account after this is resolved please
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
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 never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GAMACHE & MYERS, PC (MO)

This company obtained a judgement against me for a credit card debt that is more than 5 years old, they are now attempting to renew the judgment against me. I never received a summons to appear in front of a judge. The original credit card was for less than {$400.00} dollars and they are attempting to gain a garnishment against me for over {$1200.00}
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I filed for Chapter XXXX Bankruptcy in XXXX. My credit cards from XXXX XXXX were included in my bankruptcy. XXXX XXXX & XXXX acquired these former XXXX XXXX credit accounts and converted them to " XXXX XXXX XXXX & XXXX. '' The XXXX XXXX XXXX & XXXX were ALSO included in my bankrutcy. 

XXXX XXXX  & XXXX/XXXX  XXXX XXXX & XXXX continued to collect on this account after my bankruptcy file date and reported the account to Equifax as being " charged-off '' in XX/XX/XXXX. As of XX/XX/XXXX, the account STILL shows a charge-off status on Equifax, instead of " included in Chapter XXXX bankruptcy. '' These actions violate the the automatic stay provision afforded debtors pursuant to Bankruptcy Code 11 U.S. Code 362. I have now disputed the reporting of this account several times, and both XXXX XXXX & XXXX/XXXX XXXX XXXX & XXXX AND Equifax keep verifying their reporting as accurate, and it is not. 

The " charge off '' status of this account is inhibiting my ability to rebuild my credit. The account was included in my bankruptcy, and my credit file should reflect that fact. 

I have attached the dispute results from Equifax regarding this matter ; the results are current as of XX/XX/XXXX. 

I am requesting that XXXX XXXX & XXXX ( XXXX XXXX XXXX & XXXX ) update the account language and descriptors on my Equifax file to read : " included in Chapter XXXX Bankruptcy. '' Thank you.